Metropolitan Life Separate Account E, et al. – ‘485BPOS’ on 4/23/19

On:  Tuesday, 4/23/19, at 5:06pm ET   ·   Effective:  4/29/19   ·   Accession #:  1193125-19-115081   ·   File #s:  811-04001, 333-190296

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Post-Effective Amendment
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Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Gold Track Select Post-Effective Amendment No. 6     603±  2.64M 
 3: EX-99.10    Consent of Independent Registered Public               1      5K 
                          Accounting Firm (Deloitte & Touche LLP)                
 4: EX-99.13    Powers of Attorney                                    30     92K 
 2: EX-99.3(A)  Amended and Restated Distribution and Principal        8     30K 
                          Underwriting Agreement                                 

485BPOS   —   Gold Track Select Post-Effective Amendment No. 6
Document Table of Contents

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As filed with the Securities and Exchange Commission on April 23, 2019

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

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

                                                                [Download Table]
                                                                     
  REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933            
               PRE-EFFECTIVE AMENDMENT NO.                        [ ]
             POST-EFFECTIVE AMENDMENT NO. 6                       [X]
                         AND/OR                                      
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940      
                    AMENDMENT NO. 272                             [X]

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

METROPOLITAN LIFE INSURANCE COMPANY 

(Exact Name of Depositor) 

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

------------  
(Name and Address of Agent for Service) 
STEPHEN GAUSTER, ESQ. 
EXECUTIVE VICE PRESIDENT AND GENERAL COUNSEL
METROPOLITAN LIFE INSURANCE COMPANY 
200 PARK AVENUE 
NEW YORK, NEW YORK 10166
COPIES TO:
W. THOMAS CONNER, ESQ.
VEDDER PRICE P.C. 
1401 I STREET NW, SUITE 1100
WASHINGTON, D.C. 20005

------------  
Approximate Date of Proposed Public Offering:                                   
On April 29, 2019 or as soon thereafter as practicable.                         

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

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

[X] on April 29, 2019 pursuant to paragraph (b) of Rule 485.                    

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

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

If appropriate, check the following box:                                        

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

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

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

AMERICAN FUNDS INSURANCE SERIES(R) -- CLASS 2                                   
American Funds Global Growth Fund                                     
American Funds Growth Fund                                            
American Funds Growth-Income Fund                                     
BRIGHTHOUSE FUNDS TRUST I                                                       
American Funds(R) Balanced Allocation Portfolio -- Class C            
American Funds(R) Growth Allocation Portfolio -- Class C              
American Funds(R) Moderate Allocation Portfolio -- Class C            
BlackRock High Yield Portfolio -- Class A                             
Brighthouse Asset Allocation 100 Portfolio -- Class B                 
Brighthouse Small Cap Value Portfolio -- Class B                      
Brighthouse/Aberdeen Emerging Markets Equity Portfolio -- Class A     
Brighthouse/Wellington Large Cap Research Portfolio -- Class E        
Clarion Global Real Estate Portfolio -- Class A                       
ClearBridge Aggressive Growth Portfolio -- Class B                    
Harris Oakmark International Portfolio -- Class A                     
Invesco Comstock Portfolio -- Class B                                 
Invesco Small Cap Growth Portfolio -- Class A                         
JPMorgan Small Cap Value Portfolio -- Class A                         
MetLife Multi-Index Targeted Risk Portfolio -- Class B                
MFS(R) Research International Portfolio -- Class B                    
Oppenheimer Global Equity Portfolio -- Class B                        
PIMCO Inflation Protected Bond Portfolio -- Class A                   
PIMCO Total Return Portfolio -- Class B                               
Schroders Global Multi-Asset Portfolio -- Class B                     
T. Rowe Price Large Cap Value Portfolio -- Class B                    

Victory Sycamore Mid Cap Value Portfolio -- Class B                   

BRIGHTHOUSE FUNDS TRUST II                                                      
BlackRock Bond Income Portfolio -- Class A                            
BlackRock Capital Appreciation Portfolio -- Class A                   
BlackRock Ultra-Short Term Bond Portfolio -- Class A                  
Brighthouse Asset Allocation 20 Portfolio -- Class B                  
Brighthouse Asset Allocation 40 Portfolio -- Class B                  
Brighthouse Asset Allocation 60 Portfolio -- Class B                  
Brighthouse Asset Allocation 80 Portfolio -- Class B                  

Brighthouse/Wellington Balanced Portfolio -- Class A                  
Brighthouse/Wellington Core Equity Opportunities Portfolio -- Class A 
Frontier Mid Cap Growth Portfolio -- Class D                          
Jennison Growth Portfolio -- Class A                                  
MetLife Aggregate Bond Index Portfolio -- Class A                     
MetLife Mid Cap Stock Index Portfolio -- Class G                      
MetLife MSCI EAFE(R) Index Portfolio -- Class A                       
MetLife Russell 2000(R) Index Portfolio -- Class A                    
MetLife Stock Index Portfolio -- Class A                              
MFS(R) Total Return Portfolio -- Class F                              

MFS(R) Value Portfolio -- Class B                                     

Neuberger Berman Genesis Portfolio -- Class A                         
T. Rowe Price Large Cap Growth Portfolio -- Class B                   
T. Rowe Price Small Cap Growth Portfolio -- Class B                   
Western Asset Management Strategic Bond Opportunities Portfolio -- Class A  

Western Asset Management U.S. Government Portfolio -- Class A         

FIDELITY(R) VARIABLE INSURANCE PRODUCTS -- SERVICE CLASS 2                      
Contrafund(R) Portfolio                                               
Freedom 2020 Portfolio                                                
Freedom 2025 Portfolio                                                
Freedom 2030 Portfolio                                                
Freedom 2040 Portfolio                                                
Freedom 2050 Portfolio                                                
Mid Cap Portfolio                                                     

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST -- CLASS 2                 

Templeton Foreign VIP Fund                                            
JANUS ASPEN SERIES -- SERVICE SHARES                                            

Janus Henderson Enterprise Portfolio                                  

LEGG MASON PARTNERS VARIABLE EQUITY TRUST -- CLASS I                            
ClearBridge Variable Appreciation Portfolio                           
ClearBridge Variable Dividend Strategy Portfolio                      
ClearBridge Variable Large Cap Growth Portfolio                       

ClearBridge Variable Small Cap Growth Portfolio                       

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

The Fixed Account is described in a separate prospectus.                        

This prospectus sets forth the information that You should know before          
investing in the Contract. This prospectus should be kept for future reference. 
You can receive additional information about Your Contract by requesting a      
Statement of Additional Information ("SAI") dated April 29, 2019.               

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

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

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

PROSPECTUS DATED: APRIL 29, 2019

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TABLE OF CONTENTS 

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Glossary.....................................................    3 
Summary......................................................    6 
Fee Table....................................................    9 
Condensed Financial Information..............................   13 
The Annuity Contract and Your Retirement Plan................   13 
  403(b) Plan Terminations...................................   13 
  Other Plan Terminations....................................   13 
The Annuity Contract.........................................   14 
  Contract Owner Inquiries...................................   14 
  Allocated Contracts........................................   14 
  Unallocated Contracts......................................   14 
  Purchase Payments..........................................   15 
  Accumulation Units.........................................   15 
  Valuation of Assets........................................   15 
  The Divisions of the Underlying Funds......................   16 
  Underlying Funds Which Are Fund of Funds...................   22 
Charges And Deductions.......................................   23 
  General....................................................   23 
  Surrender Charge...........................................   24 
  Free Withdrawal Allowance..................................   25 
  Transfer Charge............................................   25 
  Mortality and Expense Risk Charge..........................   25 
  Underlying Fund Expenses...................................   25 
  Variable Liquidity Benefit Charge..........................   25 
  Administrative Charge......................................   25 
  TPA Administrative Charges.................................   26 
  Premium Tax................................................   26 
  Income Taxes...............................................   26 
  Changes in Taxes Based upon Premium or Value...............   26 
  Account Reduction Loan Fees................................   26 
Transfers....................................................   26 
  Restrictions on Transfers..................................   27 
  Dollar Cost Averaging......................................   29 
Access to Your Money.........................................   29 
  Systematic Withdrawals.....................................   30 
  Account Reduction Loans....................................   30 
Ownership Provisions.........................................   30 
  Types of Ownership.........................................   30 
  Contract Owner.............................................   30 
  Beneficiary................................................   30 
  Abandoned Property Requirements............................   31 
  Annuitant..................................................   31 
Death Benefit................................................   31 
  Death Benefit Proceeds Prior to the Maturity Date..........   31 
  Payment of Proceeds........................................   32 

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  Death Proceeds after the Maturity Date.....................   32 
  Total Control Account......................................   32 
The Annuity Period...........................................   32 
  Maturity Date..............................................   32 
  Allocation of Annuity......................................   33 
  Variable Annuity...........................................   33 
  Fixed Annuity..............................................   34 
  Election of Options........................................   34 
  Retired Life Certificate...................................   34 
  Allocation of Contract Value During the Annuity Period.....   34 
  Annuity Options............................................   34 
  Variable Liquidity Benefit.................................   35 
Miscellaneous Contract Provisions............................   36 
  Right to Return............................................   36 
  Termination of Allocated Contracts.........................   36 
  Contract Exchanges.........................................   37 
  Suspension of Payments.....................................   37 
  Misstatement...............................................   37 
  Funding Options............................................   37 
  Cybersecurity Risks........................................   38 
The Separate Account.........................................   38 
  Performance Information....................................   38 
Federal Tax Considerations...................................   39 
  Qualified Annuity Contracts................................   39 
  Additional Information Regarding TSA (ERISA and                  
    non-ERISA) 403(b)........................................   43 
Other Information............................................   45 
  The Insurance Company......................................   45 
  Financial Statements.......................................   45 
  Distribution of the Contracts..............................   45 
  Conformity with State and Federal Laws.....................   46 
  Voting Rights..............................................   46 
  Contract Modification......................................   47 
  Third Party Requests.......................................   47 
  Postponement of Payment (the "Emergency                          
    Procedure")..............................................   47 
  Restrictions on Financial Transactions.....................   47 
  Legal Proceedings..........................................   47 
Appendix A: Condensed Financial Information for                    
  Metropolitan Life Separate Account E.......................  A-1 
Appendix B: Portfolio Legal And Marketing Names..............  B-1 
Appendix C: Contents of The Statement of Additional                
  Information................................................  C-1 
Appendix D: Competing Funds..................................  D-1 

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GLOSSARY

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

IMPORTANT INFORMATION                                                           

Beginning on January 1, 2021, as permitted by regulations adopted by the        
Securities and Exchange Commission, paper copies of a Portfolio's shareholder   
reports will no longer be sent by mail, unless you specifically request paper   
copies of the reports from us. Instead, the shareholder reports will be made    
available on www.metlife.com, and you will be notified by mail each time a      
shareholder report is posted and provided with a website link to access the     
shareholder report.                                                             

If you already elected to receive your shareholder report electronically, you   
will not be affected by this change, and you need not take any action. You may  
elect to receive shareholder reports and other communications, including        
Portfolio prospectuses and other information we send you by contacting our      
Administrative Office.                                                          

If you wish to continue to receive shareholder reports in paper on and after    
January 1, 2021, we will continue to send you all future reports in paper, free 
of charge. Please contact us at our Administrative Office if you wish to        
continue receiving paper copies of the Portfolios' shareholder reports. Your    
election to receive shareholder reports in paper will apply to all Portfolios   
available under your Policy.                                                    

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

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

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

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

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

MAXIMUM ANNUAL SEPARATE ACCOUNT CHARGES                                         

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

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

                                                                [Download Table]

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

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

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

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

                                                                [Download Table]

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

UNDERLYING FUND EXPENSES AS OF DECEMBER 31, 2018 (unless otherwise indicated):  

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

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

MINIMUM AND MAXIMUM TOTAL ANNUAL UNDERLYING FUND OPERATING EXPENSES             

                                                        [Enlarge/Download Table]

                                                                                      MINIMUM    MAXIMUM
                                                                                     ---------  --------
                                                                                                        
Total Annual Underlying Fund Operating Expenses                                                         
(expenses that are deducted from Underlying Fund assets, including management fees,                     
 distribution and/or service (12b-1) fees, and other expenses)                        0.28%      1.43%  

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

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

                                                        [Enlarge/Download Table]

                                                                 DISTRIBUTION                           
                                                                    AND/OR                              
                                                    MANAGEMENT      SERVICE       OTHER                 
UNDERLYING FUND                                         FEE      (12B-1) FEES   EXPENSES                
-------------------------------------------------- ------------ -------------- ----------               
                                                                                                        
AMERICAN FUNDS INSURANCE SERIES(R) -- CLASS 2                                                           
 American Funds Global Growth Fund................    0.52%     0.25%          0.03%                    
 American Funds Growth Fund.......................    0.32%     0.25%          0.02%                    
 American Funds Growth-Income Fund................    0.26%     0.25%          0.02%                    
BRIGHTHOUSE FUNDS TRUST I                                                                               
 American Funds(R) Balanced Allocation                                                                  
  Portfolio -- Class C............................    0.06%     0.55%            --                     
 American Funds(R) Growth Allocation                                                                    
  Portfolio -- Class C............................    0.06%     0.55%          0.01%                    
 American Funds(R) Moderate Allocation                                                                  
  Portfolio -- Class C............................    0.06%     0.55%          0.01%                    
 BlackRock High Yield Portfolio -- Class A........    0.60%       --           0.09%                    
 Brighthouse Asset Allocation 100                                                                       
  Portfolio -- Class B............................    0.07%     0.25%          0.01%                    
 Brighthouse Small Cap Value Portfolio --                                                               
  Class B.........................................    0.75%     0.25%          0.03%                    
 Brighthouse/Aberdeen Emerging Markets                                                                  
  Equity Portfolio -- Class A.....................    0.89%       --           0.10%                    
 Brighthouse/Wellington Large Cap                                                                       
  Research Portfolio -- Class E...................    0.56%     0.15%          0.02%                    
 Clarion Global Real Estate Portfolio --                                                                
  Class A.........................................    0.61%       --           0.05%                    
 ClearBridge Aggressive Growth Portfolio --                                                             
  Class B.........................................    0.56%     0.25%          0.02%                    
 Harris Oakmark International Portfolio --                                                              
  Class A.........................................    0.77%       --           0.04%                    
 Invesco Comstock Portfolio -- Class B............    0.56%     0.25%          0.03%                    
 Invesco Small Cap Growth Portfolio --                                                                  
  Class A.........................................    0.85%       --           0.03%                    
 JPMorgan Small Cap Value Portfolio --                                                                  
  Class A.........................................    0.78%       --           0.06%                    
 MetLife Multi-Index Targeted Risk                                                                      
  Portfolio -- Class B............................    0.17%     0.25%          0.01%                    
 MFS(R) Research International Portfolio --                                                             
  Class B.........................................    0.70%     0.25%          0.05%                    
 Oppenheimer Global Equity Portfolio --                                                                 
  Class B.........................................    0.66%     0.25%          0.05%                    
 PIMCO Inflation Protected Bond                                                                         
  Portfolio -- Class A............................    0.47%       --           0.77%                    
 PIMCO Total Return Portfolio -- Class B..........    0.48%     0.25%          0.26%                    


                                                                     TOTAL       FEE WAIVER    NET TOTAL
                                                      ACQUIRED       ANNUAL        AND/OR       ANNUAL  
                                                      FUND FEES    OPERATING      EXPENSE      OPERATING
UNDERLYING FUND                                     AND EXPENSES    EXPENSES   REIMBURSEMENT   EXPENSES 
-------------------------------------------------- -------------- ----------- --------------- ----------
                                                                                                        
AMERICAN FUNDS INSURANCE SERIES(R) -- CLASS 2                                                           
 American Funds Global Growth Fund................   --             0.80%       --              0.80%   
 American Funds Growth Fund.......................   --             0.59%       --              0.59%   
 American Funds Growth-Income Fund................   --             0.53%       --              0.53%   
BRIGHTHOUSE FUNDS TRUST I                                                                               
 American Funds(R) Balanced Allocation                                                                  
  Portfolio -- Class C............................ 0.41%            1.02%       --              1.02%   
 American Funds(R) Growth Allocation                                                                    
  Portfolio -- Class C............................ 0.42%            1.04%       --              1.04%   
 American Funds(R) Moderate Allocation                                                                  
  Portfolio -- Class C............................ 0.40%            1.02%       --              1.02%   
 BlackRock High Yield Portfolio -- Class A........   --             0.69%       --              0.69%   
 Brighthouse Asset Allocation 100                                                                       
  Portfolio -- Class B............................ 0.67%            1.00%       --              1.00%   
 Brighthouse Small Cap Value Portfolio --                                                               
  Class B......................................... 0.08%            1.11%     0.01%             1.10%   
 Brighthouse/Aberdeen Emerging Markets                                                                  
  Equity Portfolio -- Class A.....................   --             0.99%     0.05%             0.94%   
 Brighthouse/Wellington Large Cap                                                                       
  Research Portfolio -- Class E...................   --             0.73%     0.04%             0.69%   
 Clarion Global Real Estate Portfolio --                                                                
  Class A.........................................   --             0.66%     0.01%             0.65%   
 ClearBridge Aggressive Growth Portfolio --                                                             
  Class B.........................................   --             0.83%     0.02%             0.81%   
 Harris Oakmark International Portfolio --                                                              
  Class A.........................................   --             0.81%     0.02%             0.79%   
 Invesco Comstock Portfolio -- Class B............   --             0.84%     0.02%             0.82%   
 Invesco Small Cap Growth Portfolio --                                                                  
  Class A.........................................   --             0.88%     0.08%             0.80%   
 JPMorgan Small Cap Value Portfolio --                                                                  
  Class A.........................................   --             0.84%     0.10%             0.74%   
 MetLife Multi-Index Targeted Risk                                                                      
  Portfolio -- Class B............................ 0.22%            0.65%       --              0.65%   
 MFS(R) Research International Portfolio --                                                             
  Class B.........................................   --             1.00%     0.10%             0.90%   
 Oppenheimer Global Equity Portfolio --                                                                 
  Class B.........................................   --             0.96%     0.12%             0.84%   
 PIMCO Inflation Protected Bond                                                                         
  Portfolio -- Class A............................   --             1.24%     0.01%             1.23%   
 PIMCO Total Return Portfolio -- Class B..........   --             0.99%     0.03%             0.96%   

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                                                                DISTRIBUTION                            
                                                                   AND/OR                               
                                                   MANAGEMENT      SERVICE       OTHER                  
UNDERLYING FUND                                        FEE      (12B-1) FEES   EXPENSES                 
------------------------------------------------- ------------ -------------- ----------                
                                                                                                        
 Schroders Global Multi-Asset Portfolio --                                                              
  Class B........................................ 0.63%        0.25%          0.05%                     
 T. Rowe Price Large Cap Value Portfolio --                                                             
  Class B........................................ 0.57%        0.25%          0.02%                     
 Victory Sycamore Mid Cap Value                                                                         
  Portfolio -- Class B........................... 0.65%        0.25%          0.04%                     
BRIGHTHOUSE FUNDS TRUST II                                                                              
 BlackRock Bond Income Portfolio --                                                                     
  Class A........................................ 0.33%          --           0.10%                     
 BlackRock Capital Appreciation                                                                         
  Portfolio -- Class A........................... 0.69%          --           0.03%                     
 BlackRock Ultra-Short Term Bond                                                                        
  Portfolio -- Class A........................... 0.35%          --           0.04%                     
 Brighthouse Asset Allocation 20                                                                        
  Portfolio -- Class B........................... 0.10%        0.25%          0.03%                     
 Brighthouse Asset Allocation 40                                                                        
  Portfolio -- Class B........................... 0.06%        0.25%            --                      
 Brighthouse Asset Allocation 60                                                                        
  Portfolio -- Class B........................... 0.05%        0.25%            --                      
 Brighthouse Asset Allocation 80                                                                        
  Portfolio -- Class B........................... 0.05%        0.25%          0.01%                     
 Brighthouse/Wellington Balanced                                                                        
  Portfolio -- Class A........................... 0.46%          --           0.07%                     
 Brighthouse/Wellington Core Equity                                                                     
  Opportunities Portfolio -- Class A............. 0.70%          --           0.02%                     
 Frontier Mid Cap Growth Portfolio --                                                                   
  Class D........................................ 0.71%        0.10%          0.04%                     
 Jennison Growth Portfolio -- Class A............ 0.60%          --           0.02%                     
 MetLife Aggregate Bond Index Portfolio --                                                              
  Class A........................................ 0.25%          --           0.03%                     
 MetLife Mid Cap Stock Index Portfolio --                                                               
  Class G........................................ 0.25%        0.30%          0.05%                     
 MetLife MSCI EAFE(R) Index Portfolio --                                                                
  Class A........................................ 0.30%          --           0.08%                     
 MetLife Russell 2000(R) Index Portfolio --                                                             
  Class A........................................ 0.25%          --           0.06%                     
 MetLife Stock Index Portfolio -- Class A........ 0.25%          --           0.03%                     
 MFS(R) Total Return Portfolio -- Class F........ 0.56%        0.20%          0.06%                     
 MFS(R) Value Portfolio -- Class A*.............. 0.61%          --           0.02%                     
 MFS(R) Value Portfolio -- Class B............... 0.61%        0.25%          0.02%                     
 Neuberger Berman Genesis Portfolio --                                                                  
  Class A........................................ 0.82%          --           0.03%                     
 T. Rowe Price Large Cap Growth                                                                         
  Portfolio -- Class B........................... 0.60%        0.25%          0.02%                     
 T. Rowe Price Small Cap Growth                                                                         
  Portfolio -- Class B........................... 0.47%        0.25%          0.03%                     
 Western Asset Management Strategic Bond                                                                
  Opportunities Portfolio -- Class A............. 0.57%          --           0.03%                     
 Western Asset Management                                                                               
  U.S. Government Portfolio -- Class A........... 0.47%          --           0.03%                     
DELAWARE VIP(R) TRUST -- STANDARD CLASS                                                                 
 Delaware VIP(R) Small Cap Value Series*......... 0.71%          --           0.06%                     
FIDELITY(R) VARIABLE INSURANCE PRODUCTS --                                                              
 SERVICE CLASS 2                                                                                        
 Contrafund(R) Portfolio......................... 0.54%        0.25%          0.08%                     
 Freedom 2020 Portfolio.......................... --           0.25%            --                      
 Freedom 2025 Portfolio.......................... --           0.25%            --                      
 Freedom 2030 Portfolio.......................... --           0.25%            --                      
 Freedom 2040 Portfolio.......................... --           0.25%            --                      


                                                                    TOTAL       FEE WAIVER    NET TOTAL 
                                                     ACQUIRED       ANNUAL        AND/OR        ANNUAL  
                                                     FUND FEES    OPERATING      EXPENSE      OPERATING 
UNDERLYING FUND                                    AND EXPENSES    EXPENSES   REIMBURSEMENT    EXPENSES 
------------------------------------------------- -------------- ----------- --------------- -----------
                                                                                                        
 Schroders Global Multi-Asset Portfolio --                                                              
  Class B........................................ 0.02%            0.95%     0.01%           0.94%      
 T. Rowe Price Large Cap Value Portfolio --                                                             
  Class B........................................   --             0.84%     0.05%           0.79%      
 Victory Sycamore Mid Cap Value                                                                         
  Portfolio -- Class B...........................   --             0.94%     0.09%           0.85%      
BRIGHTHOUSE FUNDS TRUST II                                                                              
 BlackRock Bond Income Portfolio --                                                                     
  Class A........................................   --             0.43%       --            0.43%      
 BlackRock Capital Appreciation                                                                         
  Portfolio -- Class A...........................   --             0.72%     0.09%           0.63%      
 BlackRock Ultra-Short Term Bond                                                                        
  Portfolio -- Class A...........................   --             0.39%     0.03%           0.36%      
 Brighthouse Asset Allocation 20                                                                        
  Portfolio -- Class B........................... 0.61%            0.99%     0.03%           0.96%      
 Brighthouse Asset Allocation 40                                                                        
  Portfolio -- Class B........................... 0.62%            0.93%       --            0.93%      
 Brighthouse Asset Allocation 60                                                                        
  Portfolio -- Class B........................... 0.63%            0.93%       --            0.93%      
 Brighthouse Asset Allocation 80                                                                        
  Portfolio -- Class B........................... 0.65%            0.96%       --            0.96%      
 Brighthouse/Wellington Balanced                                                                        
  Portfolio -- Class A...........................   --             0.53%       --            0.53%      
 Brighthouse/Wellington Core Equity                                                                     
  Opportunities Portfolio -- Class A.............   --             0.72%     0.11%           0.61%      
 Frontier Mid Cap Growth Portfolio --                                                                   
  Class D........................................   --             0.85%     0.02%           0.83%      
 Jennison Growth Portfolio -- Class A............   --             0.62%     0.08%           0.54%      
 MetLife Aggregate Bond Index Portfolio --                                                              
  Class A........................................   --             0.28%     0.01%           0.27%      
 MetLife Mid Cap Stock Index Portfolio --                                                               
  Class G........................................   --             0.60%       --            0.60%      
 MetLife MSCI EAFE(R) Index Portfolio --                                                                
  Class A........................................ 0.01%            0.39%       --            0.39%      
 MetLife Russell 2000(R) Index Portfolio --                                                             
  Class A........................................   --             0.31%       --            0.31%      
 MetLife Stock Index Portfolio -- Class A........   --             0.28%     0.01%           0.27%      
 MFS(R) Total Return Portfolio -- Class F........   --             0.82%       --            0.82%      
 MFS(R) Value Portfolio -- Class A*..............   --             0.63%     0.06%           0.57%      
 MFS(R) Value Portfolio -- Class B...............   --             0.88%     0.06%           0.82%      
 Neuberger Berman Genesis Portfolio --                                                                  
  Class A........................................   --             0.85%     0.01%           0.84%      
 T. Rowe Price Large Cap Growth                                                                         
  Portfolio -- Class B...........................   --             0.87%     0.05%           0.82%      
 T. Rowe Price Small Cap Growth                                                                         
  Portfolio -- Class B...........................   --             0.75%       --            0.75%      
 Western Asset Management Strategic Bond                                                                
  Opportunities Portfolio -- Class A.............   --             0.60%     0.06%           0.54%      
 Western Asset Management                                                                               
  U.S. Government Portfolio -- Class A...........   --             0.50%     0.03%           0.47%      
DELAWARE VIP(R) TRUST -- STANDARD CLASS                                                                 
 Delaware VIP(R) Small Cap Value Series*.........   --             0.77%       --            0.77%      
FIDELITY(R) VARIABLE INSURANCE PRODUCTS --                                                              
 SERVICE CLASS 2                                                                                        
 Contrafund(R) Portfolio.........................   --             0.87%       --            0.87%      
 Freedom 2020 Portfolio.......................... 0.54%            0.79%       --            0.79%      
 Freedom 2025 Portfolio.......................... 0.56%            0.81%       --            0.81%      
 Freedom 2030 Portfolio.......................... 0.60%            0.85%       --            0.85%      
 Freedom 2040 Portfolio.......................... 0.65%            0.90%       --            0.90%      

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                                                            DISTRIBUTION                            
                                                               AND/OR                               
                                               MANAGEMENT      SERVICE       OTHER                  
UNDERLYING FUND                                    FEE      (12B-1) FEES   EXPENSES                 
--------------------------------------------- ------------ -------------- ----------                
                                                                                                    
 Freedom 2050 Portfolio......................   --         0.25%            --                      
 Mid Cap Portfolio........................... 0.54%        0.25%          0.08%                     
FRANKLIN TEMPLETON VARIABLE INSURANCE                                                               
 PRODUCTS TRUST -- CLASS 2                                                                          
 Templeton Developing Markets VIP Fund*...... 1.05%        0.25%          0.12%                     
 Templeton Foreign VIP Fund.................. 0.79%        0.25%          0.04%                     
JANUS ASPEN SERIES -- SERVICE SHARES                                                                
 Janus Henderson Enterprise Portfolio........ 0.64%        0.25%          0.08%                     
LEGG MASON PARTNERS VARIABLE EQUITY TRUST --                                                        
 CLASS I                                                                                            
 ClearBridge Variable Appreciation                                                                  
  Portfolio.................................. 0.69%        --             0.04%                     
 ClearBridge Variable Dividend Strategy                                                             
  Portfolio.................................. 0.70%        --             0.06%                     
 ClearBridge Variable Large Cap Growth                                                              
  Portfolio.................................. 0.70%        --             0.10%                     
 ClearBridge Variable Small Cap Growth                                                              
  Portfolio.................................. 0.75%        --             0.08%                     
LEGG MASON PARTNERS VARIABLE INCOME                                                                 
 TRUST -- CLASS I                                                                                   
 Western Asset Core Plus VIT Portfolio*...... 0.45%        --             0.12%                     
TRUST FOR ADVISED PORTFOLIOS                                                                        
 1919 Variable Socially Responsive                                                                  
  Balanced Fund*............................. 0.65%        --             0.65%                     


                                                                TOTAL       FEE WAIVER    NET TOTAL 
                                                 ACQUIRED       ANNUAL        AND/OR        ANNUAL  
                                                 FUND FEES    OPERATING      EXPENSE      OPERATING 
UNDERLYING FUND                                AND EXPENSES    EXPENSES   REIMBURSEMENT    EXPENSES 
--------------------------------------------- -------------- ----------- --------------- -----------
                                                                                                    
 Freedom 2050 Portfolio...................... 0.65%            0.90%       --              0.90%    
 Mid Cap Portfolio...........................   --             0.87%       --              0.87%    
FRANKLIN TEMPLETON VARIABLE INSURANCE                                                               
 PRODUCTS TRUST -- CLASS 2                                                                          
 Templeton Developing Markets VIP Fund*...... 0.01%            1.43%       --              1.43%    
 Templeton Foreign VIP Fund.................. 0.02%            1.10%     0.02%             1.08%    
JANUS ASPEN SERIES -- SERVICE SHARES                                                                
 Janus Henderson Enterprise Portfolio........   --             0.97%       --              0.97%    
LEGG MASON PARTNERS VARIABLE EQUITY TRUST --                                                        
 CLASS I                                                                                            
 ClearBridge Variable Appreciation                                                                  
  Portfolio..................................   --             0.73%       --              0.73%    
 ClearBridge Variable Dividend Strategy                                                             
  Portfolio..................................   --             0.76%       --              0.76%    
 ClearBridge Variable Large Cap Growth                                                              
  Portfolio..................................   --             0.80%       --              0.80%    
 ClearBridge Variable Small Cap Growth                                                              
  Portfolio..................................   --             0.83%       --              0.83%    
LEGG MASON PARTNERS VARIABLE INCOME                                                                 
 TRUST -- CLASS I                                                                                   
 Western Asset Core Plus VIT Portfolio*......   --             0.57%     0.03%             0.54%    
TRUST FOR ADVISED PORTFOLIOS                                                                        
 1919 Variable Socially Responsive                                                                  
  Balanced Fund*.............................   --             1.30%     0.41%             0.89%    

*     Closed to new investments except under dollar cost averaging and          
rebalancing programs in existence at the time of closing.                       

The information shown in the table above was provided by the Underlying Funds.  
Certain Underlying Funds and their investment adviser have entered into expense 
reimbursement and/or fee waiver arrangements that will continue from April 29,  
2019 through April 30, 2020. These arrangements can be terminated with respect  
to these Underlying Funds only with the approval of the Underlying Fund's board 
of directors or trustees. Please see the Underlying Funds' prospectuses for     
additional information regarding these arrangements.                            

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

EXAMPLE                                                                         

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

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

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EXAMPLE 1                                                                       

                                                        [Enlarge/Download Table]

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

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

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

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

403(B) PLAN TERMINATIONS                                                        

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

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

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

OTHER PLAN TERMINATIONS                                                         

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

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

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

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

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

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

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

CONTRACT OWNER INQUIRIES                                                        

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

ALLOCATED CONTRACTS                                                             

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

UNALLOCATED CONTRACTS                                                           

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

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

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PURCHASE PAYMENTS                                                               

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

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

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

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

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

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

ACCUMULATION UNITS                                                              

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

VALUATION OF ASSETS                                                             

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

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

    (a) = investment income plus capital gains and losses (whether realized or
unrealized);                                                                    
(b) = any deduction for applicable taxes (presently zero); and        
(c) = the value of the assets of the Division at the beginning of the 
Valuation Period.                                                         

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

THE DIVISIONS OF THE UNDERLYING FUNDS                                           

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

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

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

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

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

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

On August 4, 2017, MetLife, Inc. completed the separation of Brighthouse        
Financial, Inc. and its subsidiaries ("Brighthouse") where MetLife, Inc.        
retained an ownership interest of 19.2% non-voting common stock outstanding of  
Brighthouse Financial, Inc. Brighthouse subsidiaries include Brighthouse        
Investment Advisers, LLC, which serves as the investment adviser for the        
Brighthouse Funds Trust I and Brighthouse Funds Trust II. We and Our affiliated 
companies have entered into agreements with Brighthouse Advisers, LLC,          
Brighthouse Funds Trust I and Brighthouse Funds Trust II whereby We receive     
payments for certain administrative, marketing and support services described   
in the previous paragraphs. Currently, the Portfolios in Brighthouse Funds      
Trust I and Brighthouse Funds Trust II are only available in variable annuity   
contracts and variable life insurance policies issued by Metropolitan Life      
Insurance Company and its affiliates, as well as Brighthouse Life Insurance     
Company and its affiliates. As of December 31, 2018, approximately 91% of       
Portfolio assets held in Separate Accounts of Metropolitan Life Insurance       
Company and its affiliates were allocated to Portfolios in Brighthouse Funds    
Trust I and Brighthouse Funds Trust II. Should we or Brighthouse Investment     
Advisers, LLC decide to terminate the agreements, we would be required to find  
alternative Portfolios which could have higher or lower costs to the Contract   
Owner. In addition, the amount of payments we receive could cease or be         
substantially reduced which may have a material impact on our financial         
statements.                                                                     

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

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

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

                                                        [Enlarge/Download Table]

            UNDERLYING FUND                       INVESTMENT OBJECTIVE              INVESTMENT ADVISER/SUBADVISER    
--------------------------------------- --------------------------------------- -------------------------------------
                                                                                                                     
AMERICAN FUNDS INSURANCE SERIES(R) --                                                                                
 CLASS 2                                                                                                             
American Funds Global Growth Fund       Seeks long-term growth of capital.      Capital Research and Management      
                                                                                Company(SM)                          
American Funds Growth Fund              Seeks growth of capital.                Capital Research and Management      
                                                                                Company(SM)                          
American Funds Growth-Income            Seeks long-term growth of capital and   Capital Research and Management      
 Fund                                   income.                                 Company(SM)                          
BRIGHTHOUSE FUNDS TRUST I                                                                                            
American Funds(R) Balanced              Seeks a balance between a high level    Brighthouse Investment Advisers, LLC 
 Allocation Portfolio -- Class C        of current income and growth of                                              
                                        capital, with a greater emphasis on                                          
                                        growth of capital.                                                           
American Funds(R) Growth Allocation     Seeks growth of capital.                Brighthouse Investment Advisers, LLC 
 Portfolio -- Class C                                                                                                
American Funds(R) Moderate              Seeks a high total return in the form   Brighthouse Investment Advisers, LLC 
 Allocation Portfolio -- Class C        of income and growth of capital, with                                        
                                        a greater emphasis on income.                                                
BlackRock High Yield Portfolio --       Seeks to maximize total return,         Brighthouse Investment Advisers, LLC 
 Class A                                consistent with income generation       Subadviser: BlackRock Financial      
                                        and prudent investment management.      Management, Inc.                     

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            UNDERLYING FUND                       INVESTMENT OBJECTIVE               INVESTMENT ADVISER/SUBADVISER    
-------------------------------------- ----------------------------------------- -------------------------------------
                                                                                                                      
Brighthouse Asset Allocation 100       Seeks growth of capital.                  Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                                                                 
Brighthouse Small Cap Value            Seeks long-term capital appreciation.     Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                            Subadvisers: Delaware Investments    
                                                                                 Fund Advisers; Wells Capital         
                                                                                 Management Incorporated              
Brighthouse/Aberdeen Emerging          Seeks capital appreciation.               Brighthouse Investment Advisers, LLC 
 Markets Equity Portfolio -- Class A                                             Subadviser: Aberdeen Asset Managers  
                                                                                 Limited                              
Brighthouse/Wellington Large Cap       Seeks long-term capital appreciation.     Brighthouse Investment Advisers, LLC 
 Research Portfolio -- Class E                                                   Subadviser: Wellington Management    
                                                                                 Company LLP                          
Clarion Global Real Estate             Seeks total return through investment     Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                  in real estate securities, emphasizing    Subadviser: CBRE Clarion Securities  
                                       both capital appreciation and current     LLC                                  
                                       income.                                                                        
ClearBridge Aggressive Growth          Seeks capital appreciation.               Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                            Subadviser: ClearBridge Investments, 
                                                                                 LLC                                  
Harris Oakmark International           Seeks long-term capital appreciation.     Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                                                            Subadviser: Harris Associates L.P.   
Invesco Comstock Portfolio --          Seeks capital growth and income.          Brighthouse Investment Advisers, LLC 
 Class B                                                                         Subadviser: Invesco Advisers, Inc.   
Invesco Small Cap Growth               Seeks long-term growth of capital.        Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                                                            Subadviser: Invesco Advisers, Inc.   
JPMorgan Small Cap Value               Seeks long-term capital growth.           Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                                                            Subadviser: J.P. Morgan Investment   
                                                                                 Management Inc.                      
MetLife Multi-Index Targeted Risk      Seeks a balance between growth of         Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                  capital and current income, with a        Subadviser: Overlay Portion: MetLife 
                                       greater emphasis on growth of             Investment Advisors, LLC             
                                       capital.                                                                       
MFS(R) Research International          Seeks capital appreciation.               Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                            Subadviser: Massachusetts Financial  
                                                                                 Services Company                     
Oppenheimer Global Equity              Seeks capital appreciation.               Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                                                            Subadviser: OppenheimerFunds, Inc.   
PIMCO Inflation Protected Bond         Seeks maximum real return,                Brighthouse Investment Advisers, LLC 
 Portfolio -- Class A                  consistent with preservation of capital   Subadviser: Pacific Investment       
                                       and prudent investment management.        Management Company LLC               
PIMCO Total Return Portfolio --        Seeks maximum total return,               Brighthouse Investment Advisers, LLC 
 Class B                               consistent with the preservation of       Subadviser: Pacific Investment       
                                       capital and prudent investment            Management Company LLC               
                                       management.                                                                    
Schroders Global Multi-Asset           Seeks capital appreciation and            Brighthouse Investment Advisers, LLC 
 Portfolio -- Class B                  current income.                           Subadvisers: Schroder Investment     
                                                                                 Management North America Inc.;       
                                                                                 Schroder Investment Management       
                                                                                 North America Limited                

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            UNDERLYING FUND                       INVESTMENT OBJECTIVE                INVESTMENT ADVISER/SUBADVISER    
-------------------------------------- ----------------------------------------- --------------------------------------
                                                                                                                       
T. Rowe Price Large Cap Value          Seeks long-term capital appreciation      Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  by investing in common stocks             Subadviser: T. Rowe Price Associates, 
                                       believed to be undervalued. Income        Inc.                                  
                                       is a secondary objective.                                                       
Victory Sycamore Mid Cap Value         Seeks high total return by investing in   Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  equity securities of mid-sized            Subadviser: Victory Capital           
                                       companies.                                Management Inc.                       
BRIGHTHOUSE FUNDS TRUST II                                                                                             
BlackRock Bond Income Portfolio --     Seeks a competitive total return          Brighthouse Investment Advisers, LLC  
 Class A                               primarily from investing in               Subadviser: BlackRock Advisors, LLC   
                                       fixed-income securities.                                                        
BlackRock Capital Appreciation         Seeks long-term growth of capital.        Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                                                            Subadviser: BlackRock Advisors, LLC   
BlackRock Ultra-Short Term Bond        Seeks a high level of current income      Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                  consistent with preservation of           Subadviser: BlackRock Advisors, LLC   
                                       capital.                                                                        
Brighthouse Asset Allocation 20        Seeks a high level of current income,     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  with growth of capital as a secondary                                           
                                       objective.                                                                      
Brighthouse Asset Allocation 40        Seeks high total return in the form of    Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  income and growth of capital, with a                                            
                                       greater emphasis on income.                                                     
Brighthouse Asset Allocation 60        Seeks a balance between a high level      Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                  of current income and growth of                                                 
                                       capital, with a greater emphasis on                                             
                                       growth of capital.                                                              
Brighthouse Asset Allocation 80        Seeks growth of capital.                  Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                                                                                                  
Brighthouse/Wellington Balanced        Seeks long-term capital appreciation      Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                  with some current income.                 Subadviser: Wellington Management     
                                                                                 Company LLP                           
Brighthouse/Wellington Core Equity     Seeks to provide a growing stream of      Brighthouse Investment Advisers, LLC  
 Opportunities Portfolio -- Class A    income over time and, secondarily,        Subadviser: Wellington Management     
                                       long-term capital appreciation and        Company LLP                           
                                       current income.                                                                 
Frontier Mid Cap Growth Portfolio --   Seeks maximum capital appreciation.       Brighthouse Investment Advisers, LLC  
 Class D                                                                         Subadviser: Frontier Capital          
                                                                                 Management Company, LLC               
Jennison Growth Portfolio -- Class A   Seeks long-term growth of capital.        Brighthouse Investment Advisers, LLC  
                                                                                 Subadviser: Jennison Associates LLC   
MetLife Aggregate Bond Index           Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                  Bloomberg Barclays U.S. Aggregate         Subadviser: MetLife Investment        
                                       Bond Index.                               Advisors, LLC                         
MetLife Mid Cap Stock Index            Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class G                  Standard & Poor's MidCap 400(R)           Subadviser: MetLife Investment        
                                       Composite Stock Price Index.              Advisors, LLC                         
MetLife MSCI EAFE(R) Index             Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                  MSCI EAFE(R) Index.                       Subadviser: MetLife Investment        
                                                                                 Advisors, LLC                         

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              UNDERLYING FUND                         INVESTMENT OBJECTIVE                INVESTMENT ADVISER/SUBADVISER    
------------------------------------------ ----------------------------------------- --------------------------------------
                                                                                                                           
MetLife Russell 2000(R) Index              Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                      Russell 2000(R) Index.                    Subadviser: MetLife Investment        
                                                                                     Advisors, LLC                         
MetLife Stock Index Portfolio --           Seeks to track the performance of the     Brighthouse Investment Advisers, LLC  
 Class A                                   Standard & Poor's 500(R) Composite        Subadviser: MetLife Investment        
                                           Stock Price Index.                        Advisors, LLC                         
MFS(R) Total Return Portfolio -- Class F   Seeks a favorable total return through    Brighthouse Investment Advisers, LLC  
                                           investment in a diversified portfolio.    Subadviser: Massachusetts Financial   
                                                                                     Services Company                      
MFS(R) Value Portfolio -- Class A*         Seeks capital appreciation.               Brighthouse Investment Advisers, LLC  
                                                                                     Subadviser: Massachusetts Financial   
                                                                                     Services Company                      
MFS(R) Value Portfolio -- Class B          Seeks capital appreciation.               Brighthouse Investment Advisers, LLC  
                                                                                     Subadviser: Massachusetts Financial   
                                                                                     Services Company                      
Neuberger Berman Genesis                   Seeks high total return, consisting       Brighthouse Investment Advisers, LLC  
 Portfolio -- Class A                      principally of capital appreciation.      Subadviser: Neuberger Berman          
                                                                                     Investment Advisers LLC               
T. Rowe Price Large Cap Growth             Seeks long-term growth of capital.        Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                                                                Subadviser: T. Rowe Price Associates, 
                                                                                     Inc.                                  
T. Rowe Price Small Cap Growth             Seeks long-term capital growth.           Brighthouse Investment Advisers, LLC  
 Portfolio -- Class B                                                                Subadviser: T. Rowe Price Associates, 
                                                                                     Inc.                                  
Western Asset Management Strategic         Seeks to maximize total return            Brighthouse Investment Advisers, LLC  
 Bond Opportunities Portfolio --           consistent with preservation of           Subadviser: Western Asset             
 Class A                                   capital.                                  Management Company                    
Western Asset Management                   Seeks to maximize total return            Brighthouse Investment Advisers, LLC  
 U.S. Government Portfolio --              consistent with preservation of capital   Subadviser: Western Asset             
 Class A                                   and maintenance of liquidity.             Management Company                    
DELAWARE VIP(R) TRUST -- STANDARD                                                                                          
 CLASS                                                                                                                     
Delaware VIP(R) Small Cap Value            Seeks capital appreciation.               Delaware Management Company           
 Series*                                                                                                                   
FIDELITY(R) VARIABLE INSURANCE                                                                                             
 PRODUCTS -- SERVICE CLASS 2                                                                                               
Contrafund(R) Portfolio                    Seeks long-term capital appreciation.     Fidelity Management & Research        
                                                                                     Company                               
                                                                                     Subadviser: FMR Co., Inc.             
Freedom 2020 Portfolio                     Seeks high total return with a            Fidelity Management & Research        
                                           secondary objective of principal          Company                               
                                           preservation as the fund approaches       Subadviser: FMR Co., Inc.             
                                           its target date and beyond.                                                     
Freedom 2025 Portfolio                     Seeks high total return with a            Fidelity Management & Research        
                                           secondary objective of principal          Company                               
                                           preservation as the fund approaches       Subadviser: FMR Co., Inc.             
                                           its target date and beyond.                                                     

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

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

*     Closed to new investments except under dollar cost averaging and          
rebalancing programs in existence at the time of closing.                       

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

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

(a) MetLife Multi-Index Targeted Risk Portfolio                                 

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

UNDERLYING FUNDS WHICH ARE FUND OF FUNDS                                        

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

Freedom 2020 Portfolio                                                          
Freedom 2025 Portfolio                                                          
Freedom 2030 Portfolio                                                          
Freedom 2040 Portfolio                                                          
Freedom 2050 Portfolio                                                          
Brighthouse Asset Allocation 20 Portfolio                                       
Brighthouse Asset Allocation 40 Portfolio                                       
Brighthouse Asset Allocation 60 Portfolio                                       

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Brighthouse Asset Allocation 80 Portfolio                                       
Brighthouse Asset Allocation 100 Portfolio                                      
American Funds (R) Balanced Allocation Portfolio                                
American Funds (R) Growth Allocation Portfolio                                  
American Funds (R) Moderate Allocation Portfolio                                
MetLife Multi-Index Targeted Risk Portfolio                                     

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

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

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

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

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

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

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

o   the distribution of various reports to Contract Owners.               

Costs and expenses We incur include:                                            

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

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

o   other costs of doing business.                                        

Risks We assume include:                                                        

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

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

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

We may also deduct a charge for taxes.                                          

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

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

The amount of a charge may not necessarily correspond to the costs associated   
with providing the services or benefits indicated by the designated charge. For 
example, the surrender charge We collect may not fully cover all of the sales   

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and distribution expenses We actually incur. We may also profit on one or more  
of the charges. We may use any such profits for any corporate purpose,          
including the payment of sales expenses.                                        

SURRENDER CHARGE                                                                

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

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

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

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

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

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

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

o   retirement of Participant;                                            

o   severance from employment by Participant;                             

o   loans (if available);                                                 

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

o   death of Participant;                                                 

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

o   return of Excess Plan Contributions;                                  

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

o   transfers to an Employee Stock Fund;                                  

o   certain Plan expenses, as mutually agreed upon;                       

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

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

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

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

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

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

FREE WITHDRAWAL ALLOWANCE                                                       

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

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

TRANSFER CHARGE                                                                 

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

MORTALITY AND EXPENSE RISK CHARGE                                               

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

UNDERLYING FUND EXPENSES                                                        

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

VARIABLE LIQUIDITY BENEFIT CHARGE                                               

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

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

                                                                [Download Table]

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

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

ADMINISTRATIVE CHARGE                                                           

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

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

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

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

(c)        TPA and/or agent involvement.                                  

TPA ADMINISTRATIVE CHARGES                                                      

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

PREMIUM TAX                                                                     

New York State currently does not impose any Premium Taxes.                     

INCOME TAXES                                                                    

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

CHANGES IN TAXES BASED UPON PREMIUM OR VALUE                                    

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

ACCOUNT REDUCTION LOAN FEES                                                     

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

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

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

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

You may also transfer between the Divisions and the Fixed Account; however, no  
transfers are allowed between the Fixed Account and any Competing Fund. Amounts 
previously transferred from the Fixed Account to the Underlying                 

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Funds may not be transferred back to the Fixed Account or any Division          
investing in Competing Funds for a period of at least three months for the date 
of the transfer. Amounts previously transferred from a Competing Fund to a      
Division, which is not a Competing Fund, may not be transferred to the Fixed    
Account for a period of at least three months from the date of the Purchase     
Payment. (Please refer to "Appendix E -- Competing Funds.")                     

RESTRICTIONS ON TRANSFERS                                                       

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

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

American Funds Global Growth Fund                                     
BlackRock High Yield Portfolio                                        
Brighthouse Small Cap Value Portfolio                                 
Brighthouse/Aberdeen Emerging Markets Equity Portfolio                
Clarion Global Real Estate Portfolio                                  
ClearBridge Variable Small Cap Growth Portfolio                       

Delaware VIP(R) Small Cap Value Series*                               

Harris Oakmark International Portfolio                                
Invesco Small Cap Growth Portfolio                                    
JPMorgan Small Cap Value Portfolio                                    
MetLife MSCI EAFE(R) Index Portfolio                                  
MetLife Russell 2000(R) Index Portfolio                               
MFS(R) Research International Portfolio                               
Neuberger Berman Genesis Portfolio                                    
Oppenheimer Global Equity Portfolio                                   
T. Rowe Price Small Cap Growth Portfolio                              

Templeton Developing Markets VIP Fund*                                

Templeton Foreign VIP Fund                                            

Western Asset Core Plus VIT Portfolio*                                

Western Asset Management Strategic Bond Opportunities Portfolio       

*Closed to new investments except under dollar cost averaging and         
rebalancing programs in existence at the time of closing.                 

We employ various means to monitor transfer activity, such as examining the     
frequency and size of transfers into and out of the Monitored Portfolios within 
given periods of time. For example, We currently monitor transfer activity to   
determine if, for each of the Monitored Portfolios, in a three-month period     
there were two or more "round-trips" of a certain dollar amount or greater. A   
round-trip is defined as a transfer in followed by a transfer out within the    
next ten calendar days, or a transfer out followed by a transfer in within the  
next ten calendar days. In the case of a Contract that has been restricted      
previously, a single round-trip of a certain dollar amount or greater will      
trigger the transfer restrictions described below. WE DO NOT BELIEVE THAT OTHER 
UNDERLYING FUNDS PRESENT A SIGNIFICANT OPPORTUNITY TO ENGAGE IN ARBITRAGE       
TRADING AND THEREFORE DO NOT MONITOR TRANSFER ACTIVITY IN THOSE UNDERLYING      
FUNDS. We may change the Monitored Portfolios at any time without notice in Our 
sole discretion.                                                                

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

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the transfer restrictions described below. Further, as Monitored Portfolios,    
American Funds portfolios also will be subject to Our current frequent transfer 
policies, procedures and restrictions, and transfer restrictions may be imposed 
upon a violation of either monitoring policy. A process has been implemented to 
enforce the American Funds restrictions. There is no guarantee that this        
process will detect all Contract Owners whose transfer activity in the American 
Funds portfolios violates the monitoring policy.                                

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

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

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

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

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

In accordance with applicable law, We reserve the right to modify or terminate  
the transfer privilege at any time. We also reserve the right to defer or       
restrict the transfer privilege at any time that We are unable to purchase or   
redeem shares of any of the Underlying Funds, including any refusal or          
restriction on purchases or redemptions of their shares as a result of their    
own policies and procedures on frequent transfers (even if an entire omnibus    
order is rejected due to the frequent transfers of a single Contract Owner).    
You should read the Underlying Fund prospectuses for more details.              

RESTRICTIONS ON LARGE TRANSFERS. Large transfers may increase brokerage and     
administrative costs of the Underlying Funds and may disrupt portfolio          
management strategy, requiring an Underlying Fund to maintain a high cash       
position and possibly resulting in lost investment opportunities and forced     
liquidations. We do not monitor for large transfers to or from Underlying Funds 
except where the portfolio manager of a particular Underlying Fund has brought  
large transfer activity to Our attention for investigation on a case-by-case    
basis. For example, some portfolio managers have                                

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asked Us to monitor for "block transfers" where transfer requests have been     
submitted on behalf of multiple Contract Owners by a third party such as an     
investment adviser. When We detect such large trades, We will issue a warning   
letter for the first occurrence. If We detect a second occurrence, We will      
exercise Our contractual right to restrict Your number of transfers to one      
every six months.                                                               

DOLLAR COST AVERAGING                                                           

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

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

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

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

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

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

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

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

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

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

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

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If Your Contract is issued as part of a 403(b) Plan, there are restrictions on  
Your ability to make withdrawals from Your Contract. You may not withdraw       
contributions or earnings made to Your Contract after December 31, 1988 unless  
You are (a) age 59 1/2; (b) no longer employed; (c) deceased; (d) disabled; or  
(e) experiencing a financial hardship. Even if You are experiencing a financial 
hardship, You may only withdraw contributions, not earnings. You should consult 
with Your tax adviser before making a withdrawal from Your Contract. Similar    
restrictions may apply if Your Contract is part of a 401 or 457 (b) Plan.       

SYSTEMATIC WITHDRAWALS                                                          

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

We reserve the right to discontinue offering systematic withdrawals.            

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

ACCOUNT REDUCTION LOANS                                                         

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

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

CONTRACT OWNER                                                                  

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

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

BENEFICIARY                                                                     

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

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

ABANDONED PROPERTY REQUIREMENTS                                                 

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

ANNUITANT                                                                       

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

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

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

DEATH BENEFIT PROCEEDS PRIOR TO THE MATURITY DATE                               

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

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

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

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

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

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

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

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

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PAYMENT OF PROCEEDS                                                             

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

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

                                                                [Download Table]

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

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

DEATH PROCEEDS AFTER THE MATURITY DATE                                          

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

TOTAL CONTROL ACCOUNT                                                           

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

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

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

Under the Contract, You can receive regular income payments ("Annuity           
Payments"). You can choose the month and the year in which those payments begin 
("Maturity Date"). You can also choose among income plans (Annuity options).    
While the Annuitant is alive, You can change Your selection any time up to the  
Maturity Date. Annuity Payments will begin on the Maturity Date stated in the   
Certificate unless it has been fully surrendered or the proceeds have been paid 
to the Beneficiary before that date. Annuity Payments are a series of periodic  
payments (a) for life;                                                          

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(b) for life with either a minimum number of payments or a specific amount      
assured; (c) for the joint lifetime of the Annuitant and another person, and    
thereafter during the lifetime of the survivor; or (d) for a fixed period or    
fixed amount. We may require proof that the Annuitant is alive before Annuity   
Payments are made.                                                              

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

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

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

ALLOCATION OF ANNUITY                                                           

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

VARIABLE ANNUITY                                                                

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

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

The amount of Your first monthly payment depends on the Annuity option You      
elected and the Annuitant's adjusted age. Your Contract contains the formula    
for determining the adjusted age. We determine the total first monthly Annuity  
Payment by multiplying the benefit per $1,000 of value shown in the Contract    
tables (or, if they would produce a larger payment, the tables then in effect   
on the Maturity Date) by the number of thousands of dollars of Contract Value   
You apply to that Annuity option. The Contract tables factor in an assumed      
daily net investment factor of 3.0%. We call this Your Net Investment Rate.     
Your Net Investment Rate of 3.0% corresponds to an annual interest rate of      
3.0%. This means that if the annualized investment performance, after expenses, 
of Your Divisions is less than 3.0%, then the dollar amount of Your Variable    
Annuity Payments will decrease. However, if the annualized investment           
performance, after expenses, of Your Divisions is greater than 3.0%, then the   
dollar amount of Your Variable Annuity Payments will increase.                  

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

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FIXED ANNUITY                                                                   

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

ELECTION OF OPTIONS                                                             

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

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

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

(b)        the amount to be distributed;                                  

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

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

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

(f)        any other data that We may require.                            

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

RETIRED LIFE CERTIFICATE                                                        

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

ALLOCATION OF CONTRACT VALUE DURING THE ANNUITY PERIOD                          

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

ANNUITY OPTIONS                                                                 

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

Your income payment amount will depend upon Your choices. For lifetime options, 
the age of the Annuitant will also be considered. For example, Annuity options  
that guarantee payments for two lifetimes (joint and last survivor) will result 
in smaller payments than Annuity options with payments for only one lifetime.   
Annuity options that guarantee that payments will be made for a certain number  
of years regardless of whether the Annuitant or joint Annuitant is              

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alive (such as Option 2, as defined below) result in payments that are smaller  
than with Annuity options without such a guarantee (such as Option 1, Option 4  
or Option 5, as defined below). In addition, to the extent the Annuity option   
has a guarantee period, choosing a shorter guarantee period will result in each 
payment being larger. Generally, if more than one frequency is permitted under  
Your Contract, choosing less frequent payments will result in each Annuity      
payment being larger.                                                           

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

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

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

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

(b)        is                                                             

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

(2) the number of payments made;                                      

and for a Fixed Annuity:                                                        

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

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

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

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

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

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

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

VARIABLE LIQUIDITY BENEFIT                                                      

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

At any time after annuitization and before death, the Contract Owner may        
surrender and receive a payment equal to (A) minus (B), where (A) equals the    
present value of remaining certain payments, and (B) equals a withdrawal charge 
not to exceed the maximum withdrawal charge rate shown on the specifications    
page of the Contract multiplied by                                              

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(A). The interest rate used to calculate the present value is a rate 1% higher  
than the assumed (daily) net investment factor used to calculate the Annuity    
Payments. The remaining period certain payments are assumed to be level         
payments equal to the most recent period certain payment prior to the request   
for this liquidity benefit. A withdrawal charge is not imposed if the surrender 
is made after the expiration of the withdrawal charge period shown on the       
specifications page of the Contract.                                            

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

For allocated Contracts in use with deferred compensation Plans, tax-deferred   
Annuity Plans, and combined qualified Plans/tax deferred Annuity Plans, You may 
return the Contract for a full refund of the Contract Value plus any Contract   
charges and Premium Taxes You paid (but not any fees and charges the Underlying 
Fund assessed) within ten (10) days after You receive it (the "right to return  
period"). Upon exercise of the right to return, We refund all of Your Purchase  
Payments allocated to the Fixed Account.                                        

TERMINATION OF ALLOCATED CONTRACTS                                              

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

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

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

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

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

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

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

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

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

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

We reserve the right to discontinue this Contract if:                           

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

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

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

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

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

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

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

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

CONTRACT EXCHANGES                                                              

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

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

SUSPENSION OF PAYMENTS                                                          

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

MISSTATEMENT                                                                    

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

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

FUNDING OPTIONS                                                                 

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

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CYBERSECURITY RISKS                                                             

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

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

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

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

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

Obligations under the Contract are obligations of the Company. Any obligations  
that exceed the assets in the Separate Account are payable by the Company's     
general account. The amount of the guaranteed death benefit and Annuity         
Payments that exceeds the Contract Value is paid from the Company's general     
account. Benefit amounts paid from the general account are subject to the       
financial strength and claims paying ability of the Company and Our long term   
ability to make such payments and are not guaranteed by Our parent company,     
MetLife, Inc., or by any other party. We issue other Annuity contracts and life 
insurance policies where We pay all money We owe under those contracts and      
policies from Our general account. We are regulated as an insurance company     
under state law, which includes, generally, limits on the amount and type of    
investments in its general account. However, there is no guarantee that We will 
be able to meet Our claims paying obligations; there are risks to purchasing    
any insurance product.                                                          

PERFORMANCE INFORMATION                                                         

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

Performance figures for each Division are based in part on the performance of a 
corresponding Underlying Fund. In some cases, the Underlying Fund may have      
existed before the technical inception of the corresponding Division. In        

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those cases, We can create "hypothetical historical performance" of a Division. 
These figures show the performance that the Division would have achieved had it 
been available during the entire history of the Underlying Fund.                

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

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

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

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

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

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

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

QUALIFIED ANNUITY CONTRACTS                                                     

INTRODUCTION                                                                    

The Contract may be purchased through certain types of retirement plans that    
receive favorable treatment under the Code ("tax qualified plans").             
Tax-qualified plans include arrangements described in Code Sections 401(a),     
401(k), 403(a), 403(b) or tax sheltered annuities ("TSA"), 408 or "IRAs"        
(including SEP and SIMPLE IRAs), 408A or "Roth IRAs" or 457 (b) nongovernmental 
or 457(b) governmental plans. Extensive special tax rules apply to qualified    
plans and to the annuity Contracts used in connection with these plans.         
Therefore, the following discussion provides only general information about the 
use of the Contract with the various types of qualified plans. Adverse tax      
consequences may result if You do not ensure that contributions, distributions  
and other transactions with respect to the Contract comply with the law.        

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

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

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

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

ACCUMULATION                                                                    

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

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

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

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

TAXATION OF ANNUITY DISTRIBUTIONS                                               

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

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

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

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

WITHDRAWALS PRIOR TO AGE 59 1/2                                                 

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

These exceptions include but are not limited to withdrawals made:               

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

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

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

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

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

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

ROLLOVERS                                                                       

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

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

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

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

(a)        minimum distribution requirements,                             

(b)        financial hardship, or                                         

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

20% WITHHOLDING ON ELIGIBLE ROLLOVER DISTRIBUTIONS                              

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

DEATH BENEFITS                                                                  

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

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

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

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

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

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

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

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

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

REQUIRED MINIMUM DISTRIBUTIONS                                                  

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

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

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

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

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

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

You may not satisfy minimum distributions for one employer's qualified plan     
(i.e., 401(a), 403(a), 457(b)) with distributions from another qualified plan   
of the same or a different employer. However, an aggregation rule does apply in 
the case of IRAs (including SEPs and SIMPLEs) or 403(b) plans. The required     
minimum distribution is calculated with respect to each IRA, but the aggregate  
distribution may be taken from any one or more of Your IRAs/SEPs. Similarly,    
the amount of required minimum distribution is calculated separately with       
respect to each 403(b) arrangement, but the aggregate amount of the required    
distribution may be taken from any one or more of the Your 403(b) plan          
contracts.                                                                      

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

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

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

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

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

SPECIAL RULES REGARDING EXCHANGES                                               

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

WITHDRAWALS                                                                     

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

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

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

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

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

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

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

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

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

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

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

DISTINCTION FOR PUERTO RICO CODE                                                

A Puerto Rico qualified retirement plan trust may be exempted from income       
taxation pursuant to 2011 PR Code Section 1081.01 and Section 1022(i) of the    
Employee Retirement Income Security Act of 1974, as amended (ERISA). If a       
variable annuity contract is acquired by said trust, the earnings accumulated   
or distributed under such contract or any income realized from the sale or      
exchange of the contract may not be subject to current income taxation due to   
the income tax exemption that the trust is entitled to. Whether a Puerto Rico   
retirement plan trust is qualified under 2011 PR Code Section 1081.01 depends   
on the facts and circumstances of each case. Each fiduciary of a Puerto Rico    
retirement plan should ascertain the qualified status of the retirement plan    
trust, and thus, that it enjoys the benefits of income tax exemption before     
investing in the variable annuity contract.                                     

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CONTRIBUTIONS                                                                   

THE EMPLOYER IS ENTITLED TO A CURRENT INCOME TAX DEDUCTION FOR CONTRIBUTIONS    
MADE TO A QUALIFIED PLAN, SUBJECT TO STATUTORY LIMITATIONS ON THE AMOUNT THAT   
MAY BE CONTRIBUTED EACH YEAR. THE PLAN CONTRIBUTIONS BY THE EMPLOYER ARE NOT    
REQUIRED TO BE INCLUDED IN THE CURRENT INCOME OF THE EMPLOYEE.                  

DISTRIBUTIONS                                                                   

ANY AMOUNT RECEIVED OR MADE AVAILABLE TO THE EMPLOYEE UNDER THE QUALIFIED PLAN  
IS GENERALLY INCLUDIBLE IN THE GROSS INCOME OF THE EMPLOYEE IN THE TAXABLE YEAR 
IN WHICH RECEIVED OR MADE AVAILABLE. HOWEVER, LUMP-SUM PROCEEDS FROM A PUERTO   
RICO QUALIFIED RETIREMENT PLAN DUE TO SEPARATION FROM SERVICE WILL GENERALLY BE 
TAXED AT A 20% CAPITAL GAIN TAX RATE TO BE WITHHELD AT THE SOURCE FOR           
DISTRIBUTIONS MADE BEFORE JANUARY 1, 2018. FOR DISTRIBUTIONS OCCURRING AFTER    
DECEMBER 31, 2017 BUT BEFORE JANUARY 1, 2019, A 20% ORDINARY INCOME TAX RATE    
MAY HAVE APPLIED TO THE TOTAL DISTRIBUTION IF THE PAYOR WITHHELD THE 10% TAX    
PRESCRIBED BY THE STATUTE AND DEPOSITED THE WITHHELD AMOUNT WITH THE PUERTO     
RICO TREASURY WITHIN THE REQUIRED TIME FRAME REQUIRED BY THE 2011 PR CODE.      
HOWEVER, THE DISTRIBUTION OF BENEFITS IN ONE LUMP-SUM PAYMENT DUE TO SEPARATION 
OF EMPLOYMENT OR TERMINATION OF A RETIREMENT PLAN OCCURRING ON OR AFTER JANUARY 
1, 2019 WILL BE TREATED AS ORDINARY INCOME SUBJECT TO A WITHHOLDING TAX RATE OF 
20%.                                                                            

A SPECIAL RATE OF 10% MAY APPLY INSTEAD, IF THE PLAN SATISFIES THE FOLLOWING    
REQUIREMENTS: (1) THE PLAN'S TRUST IS ORGANIZED UNDER THE LAWS OF PUERTO RICO,  
OR HAS A PUERTO RICO RESIDENT TRUSTEE AND USES SUCH TRUSTEE AS PAYING AGENT;    
AND (2) 10% OF ALL PLAN'S TRUST ASSETS (CALCULATED BASED ON THE AVERAGE BALANCE 
OF THE INVESTMENTS OF THE TRUST) ATTRIBUTABLE TO PARTICIPANTS WHICH ARE PUERTO  
RICO RESIDENTS MUST BE INVESTED IN "PROPERTY LOCATED IN PUERTO RICO" FOR A      
THREE YEAR PERIOD. IF THOSE TWO REQUIREMENTS ARE NOT SATISFIED, THE             
DISTRIBUTION WILL GENERALLY BE SUBJECT TO THE 20% TAX RATE. THE THREE- YEAR     
PERIOD INCLUDES THE YEAR OF THE DISTRIBUTION AND THE TWO IMMEDIATELY PRECEDING  
YEARS. IN THE CASE OF A DEFINED CONTRIBUTION PLAN THAT MAINTAINS SEPARATE       
ACCOUNTS FOR EACH PARTICIPANT, THE DESCRIBED 10% INVESTMENT REQUIREMENT MAY BE  
SATISFIED IN THE ACCOUNTS OF A PARTICIPANT THAT CHOOSES TO INVEST IN SUCH       
FASHION RATHER THAN AT THE TRUST LEVEL. PROPERTY LOCATED IN PUERTO RICO         
INCLUDES SHARES OF STOCK OF A PUERTO RICO REGISTERED INVESTMENT COMPANY (RIC),  
FIXED OR VARIABLE ANNUITIES ISSUED BY A DOMESTIC INSURANCE COMPANY OR BY A      
FOREIGN INSURANCE COMPANY THAT DERIVES MORE THAN 80% OF ITS GROSS INCOME FROM   
SOURCES WITHIN PUERTO RICO, BANK DEPOSITS. THE 2011 PR CODE DOES NOT IMPOSE A   
PENALTY TAX IN CASES OF EARLY (PREMATURE) DISTRIBUTIONS FROM A QUALIFIED PLAN.  

UPON THE OCCURRENCE OF A "DECLARED DISASTER", LIKE A HURRICANE, RETIREMENT      
PLANS ARE ALLOWED TO MAKE ELIGIBLE DISTRIBUTIONS TO A PARTICIPANT RESIDENT OF   
PUERTO RICO WHO REQUESTS THE SAME. THE ELIGIBLE DISTRIBUTION MAY NOT EXCEED     
$100,000, BE MADE DURING A PERIOD OF TIME TO BE IDENTIFIED BY THE PUERTO RICO   
TREASURY THROUGH ADMINISTRATIVE GUIDANCE AND BE USED TO COVER DAMAGES OR LOSSES 
SUFFERED, AND EXTRAORDINARY EXPENSES INCURRED BY THE INDIVIDUAL AS A RESULT OF  
A DECLARED DISASTER. THE FIRST $10,000 WILL BE EXEMPTED FROM INCOME TAXATION,   
INCLUDING THE ALTERNATE BASIC TAX, AND AMOUNTS EXCEEDING $10,000 WILL BE        
SUBJECT TO A 10% INCOME TAX TO BE WITHHELD AT THE SOURCE, IN LIEU OF ANY OTHER  
INCOME TAX, INCLUDING THE ALTERNATE BASIC TAX.                                  

YOU SHOULD CONSULT WITH A PERSONAL TAX ADVISER REGARDING THE TAX CONSEQUENCES   
OF PURCHASING AN ANNUITY CONTRACT AND/OR ANY PROPOSED DISTRIBUTION IF YOU ARE A 
RESIDENT OF PUERTO RICO.Rollover                                                

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

ERISA CONSIDERATIONS                                                            

In the context of a Puerto Rico qualified retirement plan trust, the IRS has    
held that the transfer of assets and liabilities from a qualified retirement    
plan trust under the Code to that type of plan would generally be treated as a  
distribution includible in gross income for U.S. income tax purposes even if    
the Puerto Rico retirement plan is a plan described in ERISA Section            
1022(i)(1). By contrast, a transfer from a qualified retirement plan trust      
under the Code to a Puerto Rico qualified retirement plan trust that has made   
an election under ERISA Section 1022(i)(2) is not treated as a distribution     
from the transferor plan for U.S. income tax purposes because a Puerto Rico     
retirement plan that has made an election under ERISA Section 1022(i)(2) is     
treated as a qualified retirement plan for purposes Code Section 401(a). The    
IRS has determined that the above described rules prescribing the inclusion in  
income of transfers of assets and liabilities to a Puerto Rico retirement plan  
trust described in ERISA Section 1022(i)(1) would be applicable to transfers    
taking effect                                                                   

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after December 31, 2012. Notwithstanding the above, the IRS has recently held   
that a Puerto Rico retirement plan described in ERISA Section 1022(i)(1) may    
participate in a 81-100 group trust because it permits said plan to diversify   
its investments without adverse tax consequences to the group trust or its      
investors.                                                                      

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

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

Metropolitan Life Insurance Company is a provider of insurance, annuities,      
employee benefits and asset management. We are also one of the largest          
institutional investors in the United States with a $264.3 billion general      
account portfolio invested primarily in investment grade corporate bonds,       
structured finance securities, mortgage loans and U.S. Treasury and agency      
securities, as well as real estate and corporate equity, at December 31, 2018.  
The Company was incorporated under the laws of New York in 1868. The Company's  
office is located at 200 Park Avenue New York, New York 10166-0188. The Company 
is a wholly-owned subsidiary of MetLife, Inc.                                   

FINANCIAL STATEMENTS                                                            

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

DISTRIBUTION OF THE CONTRACTS                                                   

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

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

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

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

We may make payments to MLIDC that may be used for its operating and other      
expenses, including the following sales expenses: compensation and bonuses for  
MLIDC's management team, advertising expenses, and other expenses               

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

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

CONFORMITY WITH STATE AND FEDERAL LAWS                                          

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

VOTING RIGHTS                                                                   

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

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

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

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

CONTRACT MODIFICATION                                                           

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

THIRD PARTY REQUESTS                                                            

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

POSTPONEMENT OF PAYMENT (THE "EMERGENCY PROCEDURE")                             

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

RESTRICTIONS ON FINANCIAL TRANSACTIONS                                          

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

LEGAL PROCEEDINGS                                                               

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

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

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

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

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

                                                        [Enlarge/Download Table]

                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30%                                     
                                                                                                UNIT VALUE AT           
                                                                                                 BEGINNING OF           
PORTFOLIO NAME                                                                           YEAR        YEAR               
--------------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                        
American Funds Insurance Series(R)                                                                                      
 American Funds Global Growth Subaccount (Class 2) (12/13)............................. 2018    6.547                   
                                                                                        2017    4.995                   
                                                                                        2016    4.979                   
                                                                                        2015    4.670                   
                                                                                        2014    4.578                   
                                                                                        2013    4.364                   
 American Funds Growth Subaccount (Class 2) (12/13).................................... 2018   49.421                   
                                                                                        2017   38.638                   
                                                                                        2016   35.396                   
                                                                                        2015   33.224                   
                                                                                        2014   30.710                   
                                                                                        2013   29.445                   
 American Funds Growth-Income Subaccount (Class 2) (12/13)............................. 2018   32.482                   
                                                                                        2017   26.621                   
                                                                                        2016   23.943                   
                                                                                        2015   23.670                   
                                                                                        2014   21.459                   
                                                                                        2013   20.576                   
Brighthouse Funds Trust I                                                                                               
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)............................... 2018    3.994                   
                                                                                        2017    3.707                   
                                                                                        2016    3.254                   
                                                                                        2015    3.390                   
                                                                                        2014    3.288                   
                                                                                        2013    3.263                   
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)................... 2018    2.390                   
                                                                                        2017    1.950                   
                                                                                        2016    1.795                   
                                                                                        2015    1.837                   
                                                                                        2014    1.753                   
                                                                                        2013    1.680                   
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................ 2018    3.836                   
                                                                                        2017    3.445                   
                                                                                        2016    2.632                   
                                                                                        2015    2.791                   
                                                                                        2014    2.752                   
                                                                                        2013    2.645                   
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)....... 2018    1.413                   
                                                                                        2017    1.102                   
                                                                                        2016    0.989                   
                                                                                        2015    1.148                   
                                                                                        2014    1.228                   
                                                                                        2013    1.208                   
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).......... 2018    2.565                   
                                                                                        2017    2.110                   
                                                                                        2016    1.955                   
                                                                                        2015    1.877                   
                                                                                        2014    1.657                   
                                                                                        2013    1.584                   


                                                                                                         NUMBER OF UNITS
                                                                                         UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                            END OF YEAR      END OF YEAR  
--------------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                        
American Funds Insurance Series(R)                                                                                      
 American Funds Global Growth Subaccount (Class 2) (12/13).............................  5.937                 --       
                                                                                         6.547                 --       
                                                                                         4.995                 --       
                                                                                         4.979                 --       
                                                                                         4.670                 --       
                                                                                         4.578                 --       
 American Funds Growth Subaccount (Class 2) (12/13).................................... 49.150                 --       
                                                                                        49.421                 --       
                                                                                        38.638                 --       
                                                                                        35.396                 --       
                                                                                        33.224                 --       
                                                                                        30.710                 --       
 American Funds Growth-Income Subaccount (Class 2) (12/13)............................. 31.806                 --       
                                                                                        32.482                 --       
                                                                                        26.621                 --       
                                                                                        23.943                 --       
                                                                                        23.670                 --       
                                                                                        21.459                 --       
Brighthouse Funds Trust I                                                                                               
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)...............................  3.879                 --       
                                                                                         3.994                 --       
                                                                                         3.707                 --       
                                                                                         3.254                 --       
                                                                                         3.390                 --       
                                                                                         3.288                 --       
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)...................  2.143                 --       
                                                                                         2.390                 --       
                                                                                         1.950                 --       
                                                                                         1.795                 --       
                                                                                         1.837                 --       
                                                                                         1.753                 --       
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................  3.242                 --       
                                                                                         3.836                 --       
                                                                                         3.445                 --       
                                                                                         2.632                 --       
                                                                                         2.791                 --       
                                                                                         2.752                 --       
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......  1.213                 --       
                                                                                         1.413                 --       
                                                                                         1.102                 --       
                                                                                         0.989                 --       
                                                                                         1.148                 --       
                                                                                         1.228                 --       
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)..........  2.397                 --       
                                                                                         2.565                 --       
                                                                                         2.110                 --       
                                                                                         1.955                 --       
                                                                                         1.877                 --       
                                                                                         1.657                 --       

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                               
                                                                                               UNIT VALUE AT           
                                                                                                BEGINNING OF           
PORTFOLIO NAME                                                                          YEAR        YEAR               
-------------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                       
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)........................ 2018    2.388                   
                                                                                       2017    2.158                   
                                                                                       2016    2.140                   
                                                                                       2015    2.173                   
                                                                                       2014    1.918                   
                                                                                       2013    1.859                   
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13).................. 2014   47.432                   
                                                                                       2013   45.126                   
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)..................... 2018    2.039                   
                                                                                       2017    1.727                   
                                                                                       2016    1.687                   
                                                                                       2015    1.763                   
                                                                                       2014    1.488                   
                                                                                       2013    1.416                   
 BHFTI FOF - American Funds(R) Balanced Allocation Subaccount (Class C) (12/13)....... 2018    1.743                   
                                                                                       2017    1.496                   
                                                                                       2016    1.392                   
                                                                                       2015    1.406                   
                                                                                       2014    1.330                   
                                                                                       2013    1.294                   
 BHFTI FOF - American Funds(R) Growth Allocation Subaccount (Class C) (12/13)......... 2018    1.834                   
                                                                                       2017    1.516                   
                                                                                       2016    1.395                   
                                                                                       2015    1.410                   
                                                                                       2014    1.329                   
                                                                                       2013    1.283                   
 BHFTI FOF - American Funds(R) Moderate Allocation Subaccount (Class C) (12/13)....... 2018    1.641                   
                                                                                       2017    1.457                   
                                                                                       2016    1.366                   
                                                                                       2015    1.380                   
                                                                                       2014    1.304                   
                                                                                       2013    1.277                   
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)...................... 2018    3.773                   
                                                                                       2017    2.893                   
                                                                                       2016    2.677                   
                                                                                       2015    2.806                   
                                                                                       2014    2.978                   
                                                                                       2013    2.836                   
 BHFTI Invesco Comstock Subaccount (Class B) (12/13).................................. 2018    1.488                   
                                                                                       2017    1.265                   
                                                                                       2016    1.082                   
                                                                                       2015    1.154                   
                                                                                       2014    1.059                   
                                                                                       2013    1.012                   
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).......................... 2018    4.341                   
                                                                                       2017    3.466                   
                                                                                       2016    3.112                   
                                                                                       2015    3.166                   
                                                                                       2014    2.935                   
                                                                                       2013    2.803                   
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).......................... 2018    2.829                   
                                                                                       2017    2.739                   
                                                                                       2016    2.099                   
                                                                                       2015    2.270                   
                                                                                       2014    2.176                   
                                                                                       2013    2.083                   
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)........................ 2016    3.679                   
                                                                                       2015    3.761                   
                                                                                       2014    3.588                   
                                                                                       2013    3.560                   
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)................. 2018    1.471                   
                                                                                       2017    1.277                   
                                                                                       2016    1.227                   
                                                                                       2015    1.246                   
                                                                                       2014    1.144                   
                                                                                       2013    1.115                   


                                                                                                        NUMBER OF UNITS
                                                                                        UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                           END OF YEAR      END OF YEAR  
-------------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                       
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)........................  2.182                 --       
                                                                                        2.388                 --       
                                                                                        2.158                 --       
                                                                                        2.140                 --       
                                                                                        2.173                 --       
                                                                                        1.918                 --       
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13).................. 49.599                 --       
                                                                                       47.432                 --       
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13).....................  1.889                 --       
                                                                                        2.039                 --       
                                                                                        1.727                 --       
                                                                                        1.687                 --       
                                                                                        1.763                 --       
                                                                                        1.488                 --       
 BHFTI FOF - American Funds(R) Balanced Allocation Subaccount (Class C) (12/13).......  1.663                 --       
                                                                                        1.743                 --       
                                                                                        1.496                 --       
                                                                                        1.392                 --       
                                                                                        1.406                 --       
                                                                                        1.330                 --       
 BHFTI FOF - American Funds(R) Growth Allocation Subaccount (Class C) (12/13).........  1.723                 --       
                                                                                        1.834                 --       
                                                                                        1.516                 --       
                                                                                        1.395                 --       
                                                                                        1.410                 --       
                                                                                        1.329                 --       
 BHFTI FOF - American Funds(R) Moderate Allocation Subaccount (Class C) (12/13).......  1.580                 --       
                                                                                        1.641                 --       
                                                                                        1.457                 --       
                                                                                        1.366                 --       
                                                                                        1.380                 --       
                                                                                        1.304                 --       
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)......................  2.869                 --       
                                                                                        3.773                 --       
                                                                                        2.893                 --       
                                                                                        2.677                 --       
                                                                                        2.806                 --       
                                                                                        2.978                 --       
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)..................................  1.303                 --       
                                                                                        1.488                 --       
                                                                                        1.265                 --       
                                                                                        1.082                 --       
                                                                                        1.154                 --       
                                                                                        1.059                 --       
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13)..........................  3.948                 --       
                                                                                        4.341                 --       
                                                                                        3.466                 --       
                                                                                        3.112                 --       
                                                                                        3.166                 --       
                                                                                        2.935                 --       
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13)..........................  2.433                 --       
                                                                                        2.829                 --       
                                                                                        2.739                 --       
                                                                                        2.099                 --       
                                                                                        2.270                 --       
                                                                                        2.176                 --       
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)........................  3.806                 --       
                                                                                        3.679                 --       
                                                                                        3.761                 --       
                                                                                        3.588                 --       
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13).................  1.361                 --       
                                                                                        1.471                 --       
                                                                                        1.277                 --       
                                                                                        1.227                 --       
                                                                                        1.246                 --       
                                                                                        1.144                 --       

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                  GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                            
                                                                                          UNIT VALUE AT           
                                                                                           BEGINNING OF           
PORTFOLIO NAME                                                                     YEAR        YEAR               
--------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                  
 BHFTI MFS(R) Research International Subaccount (Class B) (12/13)................ 2018    2.286                   
                                                                                  2017    1.789                   
                                                                                  2016    1.810                   
                                                                                  2015    1.848                   
                                                                                  2014    1.992                   
                                                                                  2013    1.904                   
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13).................... 2018    1.493                   
                                                                                  2017    1.095                   
                                                                                  2016    1.096                   
                                                                                  2015    1.059                   
                                                                                  2014    1.041                   
                                                                                  2013    0.993                   
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)............... 2018    1.050                   
                                                                                  2017    1.015                   
                                                                                  2016    0.968                   
                                                                                  2015    1.000                   
                                                                                  2014    0.972                   
                                                                                  2013    0.978                   
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)........................... 2018    2.210                   
                                                                                  2017    2.121                   
                                                                                  2016    2.073                   
                                                                                  2015    2.079                   
                                                                                  2014    2.002                   
                                                                                  2013    2.009                   
 BHFTI Pioneer Fund Subaccount (Class A) (12/13)................................. 2016    3.505                   
                                                                                  2015    3.513                   
                                                                                  2014    3.170                   
                                                                                  2013    3.050                   
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)..................... 2016    3.625                   
                                                                                  2015    3.684                   
                                                                                  2014    3.533                   
                                                                                  2013    3.521                   
 BHFTI Schroders Global Multi-Asset Portfolio Subaccount (Class B) (12/13)....... 2018    1.399                   
                                                                                  2017    1.205                   
                                                                                  2016    1.156                   
                                                                                  2015    1.174                   
                                                                                  2014    1.084                   
                                                                                  2013    1.057                   
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................ 2018   13.175                   
                                                                                  2017   11.299                   
                                                                                  2016    9.775                   
                                                                                  2015   10.169                   
                                                                                  2014    9.004                   
                                                                                  2013    8.672                   
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)............... 2018    5.280                   
                                                                                  2017    4.838                   
                                                                                  2016    4.201                   
                                                                                  2015    4.629                   
                                                                                  2014    4.235                   
                                                                                  2013    4.060                   
Brighthouse Funds Trust II                                                                                        
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)....................... 2018    9.843                   
                                                                                  2017    9.483                   
                                                                                  2016    9.224                   
                                                                                  2015    9.197                   
                                                                                  2014    8.614                   
                                                                                  2013    8.626                   
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).............. 2018    8.343                   
                                                                                  2017    6.248                   
                                                                                  2016    6.262                   
                                                                                  2015    5.909                   
                                                                                  2014    5.443                   
                                                                                  2013    5.176                   


                                                                                                   NUMBER OF UNITS
                                                                                   UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                      END OF YEAR      END OF YEAR  
--------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                  
 BHFTI MFS(R) Research International Subaccount (Class B) (12/13)................  1.960                 --       
                                                                                   2.286                 --       
                                                                                   1.789                 --       
                                                                                   1.810                 --       
                                                                                   1.848                 --       
                                                                                   1.992                 --       
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)....................  1.293                 --       
                                                                                   1.493                 --       
                                                                                   1.095                 --       
                                                                                   1.096                 --       
                                                                                   1.059                 --       
                                                                                   1.041                 --       
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)...............  1.025                 --       
                                                                                   1.050                 --       
                                                                                   1.015                 --       
                                                                                   0.968                 --       
                                                                                   1.000                 --       
                                                                                   0.972                 --       
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)...........................  2.198                 --       
                                                                                   2.210                 --       
                                                                                   2.121                 --       
                                                                                   2.073                 --       
                                                                                   2.079                 --       
                                                                                   2.002                 --       
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).................................  3.541                 --       
                                                                                   3.505                 --       
                                                                                   3.513                 --       
                                                                                   3.170                 --       
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13).....................  3.732                 --       
                                                                                   3.625                 --       
                                                                                   3.684                 --       
                                                                                   3.533                 --       
 BHFTI Schroders Global Multi-Asset Portfolio Subaccount (Class B) (12/13).......  1.343                 --       
                                                                                   1.399                 --       
                                                                                   1.205                 --       
                                                                                   1.156                 --       
                                                                                   1.174                 --       
                                                                                   1.084                 --       
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................ 11.932                 --       
                                                                                  13.175                 --       
                                                                                  11.299                 --       
                                                                                   9.775                 --       
                                                                                  10.169                 --       
                                                                                   9.004                 --       
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)...............  4.730                 --       
                                                                                   5.280                 --       
                                                                                   4.838                 --       
                                                                                   4.201                 --       
                                                                                   4.629                 --       
                                                                                   4.235                 --       
Brighthouse Funds Trust II                                                                                        
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13).......................  9.778                 --       
                                                                                   9.843                 --       
                                                                                   9.483                 --       
                                                                                   9.224                 --       
                                                                                   9.197                 --       
                                                                                   8.614                 --       
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)..............  8.520                 --       
                                                                                   8.343                 --       
                                                                                   6.248                 --       
                                                                                   6.262                 --       
                                                                                   5.909                 --       
                                                                                   5.443                 --       

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                 GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                            
                                                                                         UNIT VALUE AT           
                                                                                          BEGINNING OF           
PORTFOLIO NAME                                                                    YEAR        YEAR               
-------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                 
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13).................. 2018    2.378                   
                                                                                 2017    2.221                   
                                                                                 2016    1.887                   
                                                                                 2015    2.017                   
                                                                                 2014    1.844                   
                                                                                 2013    1.773                   
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............ 2018    3.314                   
                                                                                 2017    3.294                   
                                                                                 2016    3.293                   
                                                                                 2015    3.302                   
                                                                                 2014    3.312                   
                                                                                 2013    3.313                   
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)............ 2018    1.750                   
                                                                                 2017    1.642                   
                                                                                 2016    1.575                   
                                                                                 2015    1.590                   
                                                                                 2014    1.526                   
                                                                                 2013    1.515                   
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)............ 2018    1.930                   
                                                                                 2017    1.749                   
                                                                                 2016    1.654                   
                                                                                 2015    1.677                   
                                                                                 2014    1.603                   
                                                                                 2013    1.576                   
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............ 2018    2.092                   
                                                                                 2017    1.829                   
                                                                                 2016    1.713                   
                                                                                 2015    1.740                   
                                                                                 2014    1.661                   
                                                                                 2013    1.617                   
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............ 2018    2.236                   
                                                                                 2017    1.882                   
                                                                                 2016    1.746                   
                                                                                 2015    1.781                   
                                                                                 2014    1.698                   
                                                                                 2013    1.638                   
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)............ 2018   10.801                   
                                                                                 2017    9.409                   
                                                                                 2016    8.820                   
                                                                                 2015    8.625                   
                                                                                 2014    7.825                   
                                                                                 2013    7.594                   
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A)                                    
 (12/13)........................................................................ 2018    8.419                   
                                                                                 2017    7.092                   
                                                                                 2016    6.626                   
                                                                                 2015    6.491                   
                                                                                 2014    5.884                   
                                                                                 2013    5.625                   
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).................... 2018   12.519                   
                                                                                 2017   10.035                   
                                                                                 2016    9.559                   
                                                                                 2015    9.328                   
                                                                                 2014    8.425                   
                                                                                 2013    8.112                   
 BHFTII Jennison Growth Subaccount (Class A) (12/13)............................ 2018    1.747                   
                                                                                 2017    1.276                   
                                                                                 2016    1.278                   
                                                                                 2015    1.157                   
                                                                                 2014    1.064                   
                                                                                 2013    1.019                   
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)............... 2018    2.207                   
                                                                                 2017    2.144                   
                                                                                 2016    2.101                   
                                                                                 2015    2.102                   
                                                                                 2014    1.992                   
                                                                                 2013    1.996                   


                                                                                                  NUMBER OF UNITS
                                                                                  UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                     END OF YEAR      END OF YEAR  
-------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                 
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)..................  2.301                 --       
                                                                                  2.378                 --       
                                                                                  2.221                 --       
                                                                                  1.887                 --       
                                                                                  2.017                 --       
                                                                                  1.844                 --       
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............  3.363                 --       
                                                                                  3.314                 --       
                                                                                  3.294                 --       
                                                                                  3.293                 --       
                                                                                  3.302                 --       
                                                                                  3.312                 --       
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)............  1.700                 --       
                                                                                  1.750                 --       
                                                                                  1.642                 --       
                                                                                  1.575                 --       
                                                                                  1.590                 --       
                                                                                  1.526                 --       
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)............  1.839                 --       
                                                                                  1.930                 --       
                                                                                  1.749                 --       
                                                                                  1.654                 --       
                                                                                  1.677                 --       
                                                                                  1.603                 --       
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............  1.958                 --       
                                                                                  2.092                 --       
                                                                                  1.829                 --       
                                                                                  1.713                 --       
                                                                                  1.740                 --       
                                                                                  1.661                 --       
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............  2.048                 --       
                                                                                  2.236                 --       
                                                                                  1.882                 --       
                                                                                  1.746                 --       
                                                                                  1.781                 --       
                                                                                  1.698                 --       
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)............ 10.363                 --       
                                                                                 10.801                 --       
                                                                                  9.409                 --       
                                                                                  8.820                 --       
                                                                                  8.625                 --       
                                                                                  7.825                 --       
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A)                                    
 (12/13)........................................................................  8.386                 --       
                                                                                  8.419                 --       
                                                                                  7.092                 --       
                                                                                  6.626                 --       
                                                                                  6.491                 --       
                                                                                  5.884                 --       
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).................... 11.762                 --       
                                                                                 12.519                 --       
                                                                                 10.035                 --       
                                                                                  9.559                 --       
                                                                                  9.328                 --       
                                                                                  8.425                 --       
 BHFTII Jennison Growth Subaccount (Class A) (12/13)............................  1.748                 --       
                                                                                  1.747                 --       
                                                                                  1.276                 --       
                                                                                  1.278                 --       
                                                                                  1.157                 --       
                                                                                  1.064                 --       
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)...............  2.196                 --       
                                                                                  2.207                 --       
                                                                                  2.144                 --       
                                                                                  2.101                 --       
                                                                                  2.102                 --       
                                                                                  1.992                 --       

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                   GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                              
                                                                                             UNIT VALUE AT           
                                                                                              BEGINNING OF           
PORTFOLIO NAME                                                                        YEAR        YEAR               
------------------------------------------------------------------------------------ ------ ---------------          
                                                                                                                     
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).................... 2018    4.233                   
                                                                                     2017    3.672                   
                                                                                     2016    3.067                   
                                                                                     2015    3.161                   
                                                                                     2014    2.903                   
                                                                                     2013    2.789                   
 BHFTII MetLife MSCI EAFE(R) Index Subaccount (Class A) (12/13)..................... 2018    2.213                   
                                                                                     2017    1.777                   
                                                                                     2016    1.759                   
                                                                                     2015    1.784                   
                                                                                     2014    1.903                   
                                                                                     2013    1.803                   
 BHFTII MetLife Russell 2000(R) Index Subaccount (Class A) (12/13).................. 2018    4.530                   
                                                                                     2017    3.962                   
                                                                                     2016    3.277                   
                                                                                     2015    3.433                   
                                                                                     2014    3.279                   
                                                                                     2013    3.119                   
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)............................ 2018   12.262                   
                                                                                     2017   10.119                   
                                                                                     2016    9.089                   
                                                                                     2015    9.011                   
                                                                                     2014    7.973                   
                                                                                     2013    7.653                   
 BHFTII MFS(R) Total Return Subaccount (Class F) (12/13)............................ 2018    1.344                   
                                                                                     2017    1.201                   
                                                                                     2016    1.105                   
                                                                                     2015    1.112                   
                                                                                     2014    1.029                   
                                                                                     2013    1.003                   
 BHFTII MFS(R) Value Subaccount (Class A) (12/13)................................... 2018    4.011                   
                                                                                     2017    3.409                   
                                                                                     2016    2.989                   
                                                                                     2015    3.003                   
                                                                                     2014    2.718                   
                                                                                     2013    2.593                   
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)....................... 2018    4.096                   
                                                                                     2017    3.549                   
                                                                                     2016    3.000                   
                                                                                     2015    2.991                   
                                                                                     2014    3.000                   
                                                                                     2013    2.888                   
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)................. 2018    4.184                   
                                                                                     2017    3.144                   
                                                                                     2016    3.106                   
                                                                                     2015    2.819                   
                                                                                     2014    2.598                   
                                                                                     2013    2.494                   
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)................. 2018    5.232                   
                                                                                     2017    4.283                   
                                                                                     2016    3.853                   
                                                                                     2015    3.772                   
                                                                                     2014    3.547                   
                                                                                     2013    3.394                   
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount                                             
 (Class A) (5/16)................................................................... 2018   45.139                   
                                                                                     2017   41.833                   
                                                                                     2016   39.999                   
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)....... 2018    2.443                   
                                                                                     2017    2.403                   
                                                                                     2016    2.380                   
                                                                                     2015    2.374                   
                                                                                     2014    2.316                   
                                                                                     2013    2.322                   


                                                                                                      NUMBER OF UNITS
                                                                                      UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                         END OF YEAR      END OF YEAR  
------------------------------------------------------------------------------------ --------------- ----------------
                                                                                                                     
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)....................  3.732                 --       
                                                                                      4.233                 --       
                                                                                      3.672                 --       
                                                                                      3.067                 --       
                                                                                      3.161                 --       
                                                                                      2.903                 --       
 BHFTII MetLife MSCI EAFE(R) Index Subaccount (Class A) (12/13).....................  1.899                 --       
                                                                                      2.213                 --       
                                                                                      1.777                 --       
                                                                                      1.759                 --       
                                                                                      1.784                 --       
                                                                                      1.903                 --       
 BHFTII MetLife Russell 2000(R) Index Subaccount (Class A) (12/13)..................  4.021                 --       
                                                                                      4.530                 --       
                                                                                      3.962                 --       
                                                                                      3.277                 --       
                                                                                      3.433                 --       
                                                                                      3.279                 --       
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)............................ 11.662                 --       
                                                                                     12.262                 --       
                                                                                     10.119                 --       
                                                                                      9.089                 --       
                                                                                      9.011                 --       
                                                                                      7.973                 --       
 BHFTII MFS(R) Total Return Subaccount (Class F) (12/13)............................  1.262                 --       
                                                                                      1.344                 --       
                                                                                      1.201                 --       
                                                                                      1.105                 --       
                                                                                      1.112                 --       
                                                                                      1.029                 --       
 BHFTII MFS(R) Value Subaccount (Class A) (12/13)...................................  3.597                 --       
                                                                                      4.011                 --       
                                                                                      3.409                 --       
                                                                                      2.989                 --       
                                                                                      3.003                 --       
                                                                                      2.718                 --       
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).......................  3.810                 --       
                                                                                      4.096                 --       
                                                                                      3.549                 --       
                                                                                      3.000                 --       
                                                                                      2.991                 --       
                                                                                      3.000                 --       
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).................  4.123                 --       
                                                                                      4.184                 --       
                                                                                      3.144                 --       
                                                                                      3.106                 --       
                                                                                      2.819                 --       
                                                                                      2.598                 --       
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).................  4.863                 --       
                                                                                      5.232                 --       
                                                                                      4.283                 --       
                                                                                      3.853                 --       
                                                                                      3.772                 --       
                                                                                      3.547                 --       
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount                                             
 (Class A) (5/16)................................................................... 43.294                 --       
                                                                                     45.139                 --       
                                                                                     41.833                 --       
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).......  2.459                 --       
                                                                                      2.443                 --       
                                                                                      2.403                 --       
                                                                                      2.380                 --       
                                                                                      2.374                 --       
                                                                                      2.316                 --       

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                GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                           
                                                                                       UNIT VALUE AT           
                                                                                        BEGINNING OF           
PORTFOLIO NAME                                                                  YEAR        YEAR               
------------------------------------------------------------------------------ ------ ---------------          
                                                                                                               
Delaware VIP Trust                                                                                             
 Delaware VIP(R) Small Cap Value Subaccount (Standard Class) (12/13).......... 2018    1.521                   
                                                                               2017    1.361                   
                                                                               2016    1.039                   
                                                                               2015    1.111                   
                                                                               2014    1.053                   
                                                                               2013    1.005                   
Fidelity(R) Variable Insurance Products                                                                        
 Fidelity VIP Contrafund(R) Subaccount (Service Class 2) (12/13).............. 2018   10.343                   
                                                                               2017    8.532                   
                                                                               2016    7.944                   
                                                                               2015    7.935                   
                                                                               2014    7.128                   
                                                                               2013    6.831                   
 Fidelity VIP Freedom 2020 Subaccount (5/15).................................. 2018   21.498                   
                                                                               2017   18.547                   
                                                                               2016   17.582                   
                                                                               2015   18.424                   
 Fidelity VIP Freedom 2025 Subaccount (5/15).................................. 2018   22.908                   
                                                                               2017   19.544                   
                                                                               2016   18.496                   
                                                                               2015   19.457                   
 Fidelity VIP Freedom 2030 Subaccount (5/15).................................. 2018   23.345                   
                                                                               2017   19.400                   
                                                                               2016   18.293                   
                                                                               2015   19.372                   
 Fidelity VIP Freedom 2040 Subaccount (5/15).................................. 2018   30.579                   
                                                                               2017   24.876                   
                                                                               2016   23.422                   
                                                                               2015   24.877                   
 Fidelity VIP Freedom 2050 Subaccount (5/15).................................. 2018   31.247                   
                                                                               2017   25.418                   
                                                                               2016   23.925                   
                                                                               2015   25.430                   
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13).................... 2018    9.353                   
                                                                               2017    7.783                   
                                                                               2016    6.974                   
                                                                               2015    7.111                   
                                                                               2014    6.727                   
                                                                               2013    6.408                   
Franklin Templeton Variable Insurance Products Trust                                                           
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)......... 2018    2.078                   
                                                                               2017    1.485                   
                                                                               2016    1.268                   
                                                                               2015    1.582                   
                                                                               2014    1.732                   
                                                                               2013    1.686                   
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13).................... 2018    5.315                   
                                                                               2017    4.569                   
                                                                               2016    4.276                   
                                                                               2015    4.586                   
                                                                               2014    5.176                   
                                                                               2013    4.931                   
Janus Aspen Series                                                                                             
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)............... 2018   11.321                   
                                                                               2017    8.935                   
                                                                               2016    7.994                   
                                                                               2015    7.727                   
                                                                               2014    6.905                   
                                                                               2013    6.634                   
Legg Mason Partners Variable Equity Trust                                                                      
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)....... 2014    5.536                   
                                                                               2013    5.287                   


                                                                                                NUMBER OF UNITS
                                                                                UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                   END OF YEAR      END OF YEAR  
------------------------------------------------------------------------------ --------------- ----------------
                                                                                                               
Delaware VIP Trust                                                                                             
 Delaware VIP(R) Small Cap Value Subaccount (Standard Class) (12/13)..........  1.263                 --       
                                                                                1.521                 --       
                                                                                1.361                 --       
                                                                                1.039                 --       
                                                                                1.111                 --       
                                                                                1.053                 --       
Fidelity(R) Variable Insurance Products                                                                        
 Fidelity VIP Contrafund(R) Subaccount (Service Class 2) (12/13)..............  9.627                 --       
                                                                               10.343                 --       
                                                                                8.532                 --       
                                                                                7.944                 --       
                                                                                7.935                 --       
                                                                                7.128                 --       
 Fidelity VIP Freedom 2020 Subaccount (5/15).................................. 20.131                 --       
                                                                               21.498                 --       
                                                                               18.547                 --       
                                                                               17.582                 --       
 Fidelity VIP Freedom 2025 Subaccount (5/15).................................. 21.292                 --       
                                                                               22.908                 --       
                                                                               19.544                 --       
                                                                               18.496                 --       
 Fidelity VIP Freedom 2030 Subaccount (5/15).................................. 21.400                 --       
                                                                               23.345                 --       
                                                                               19.400                 --       
                                                                               18.293                 --       
 Fidelity VIP Freedom 2040 Subaccount (5/15).................................. 27.401                 --       
                                                                               30.579                 --       
                                                                               24.876                 --       
                                                                               23.422                 --       
 Fidelity VIP Freedom 2050 Subaccount (5/15).................................. 27.998                 --       
                                                                               31.247                 --       
                                                                               25.418                 --       
                                                                               23.925                 --       
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)....................  7.947                 --       
                                                                                9.353                 --       
                                                                                7.783                 --       
                                                                                6.974                 --       
                                                                                7.111                 --       
                                                                                6.727                 --       
Franklin Templeton Variable Insurance Products Trust                                                           
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13).........  1.745                 --       
                                                                                2.078                 --       
                                                                                1.485                 --       
                                                                                1.268                 --       
                                                                                1.582                 --       
                                                                                1.732                 --       
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)....................  4.481                 --       
                                                                                5.315                 --       
                                                                                4.569                 --       
                                                                                4.276                 --       
                                                                                4.586                 --       
                                                                                5.176                 --       
Janus Aspen Series                                                                                             
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)............... 11.212                 --       
                                                                               11.321                 --       
                                                                                8.935                 --       
                                                                                7.994                 --       
                                                                                7.727                 --       
                                                                                6.905                 --       
Legg Mason Partners Variable Equity Trust                                                                      
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13).......  5.587                 --       
                                                                                5.536                 --       

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                  GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.30% (CONTINUED)                             
                                                                                           UNIT VALUE AT           
                                                                                            BEGINNING OF           
PORTFOLIO NAME                                                                      YEAR        YEAR               
---------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                   
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2018   8.737                    
                                                                                   2017   7.330                    
                                                                                   2016   6.698                    
                                                                                   2015   6.612                    
                                                                                   2014   5.975                    
                                                                                   2013   5.726                    
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2018   1.529                    
                                                                                   2017   1.287                    
                                                                                   2016   1.122                    
                                                                                   2015   1.176                    
                                                                                   2014   1.039                    
                                                                                   2013   1.001                    
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2018   4.341                    
                                                                                   2017   3.462                    
                                                                                   2016   3.234                    
                                                                                   2015   2.954                    
                                                                                   2014   2.599                    
                                                                                   2013   2.477                    
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2018   4.484                    
                                                                                   2017   3.619                    
                                                                                   2016   3.431                    
                                                                                   2015   3.599                    
                                                                                   2014   3.468                    
                                                                                   2013   3.257                    
Legg Mason Partners Variable Income Trust                                                                          
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2018   3.877                    
                                                                                   2017   3.678                    
                                                                                   2016   3.528                    
                                                                                   2015   3.497                    
                                                                                   2014   3.519                    
                                                                                   2013   3.508                    
Trust for Advised Portfolios                                                                                       
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 2018   6.351                    
                                                                                   2017   5.456                    
                                                                                   2016   5.151                    
                                                                                   2015   5.257                    
                                                                                   2014   4.824                    
                                                                                   2013   4.673                    


                                                                                                    NUMBER OF UNITS
                                                                                    UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                       END OF YEAR      END OF YEAR  
---------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                   
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 8.559           --              
                                                                                   8.737           --              
                                                                                   7.330           --              
                                                                                   6.698           --              
                                                                                   6.612           --              
                                                                                   5.975           --              
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 1.450           --              
                                                                                   1.529           --              
                                                                                   1.287           --              
                                                                                   1.122           --              
                                                                                   1.176           --              
                                                                                   1.039           --              
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 4.329           --              
                                                                                   4.341           --              
                                                                                   3.462           --              
                                                                                   3.234           --              
                                                                                   2.954           --              
                                                                                   2.599           --              
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 4.624           --              
                                                                                   4.484           --              
                                                                                   3.619           --              
                                                                                   3.431           --              
                                                                                   3.599           --              
                                                                                   3.468           --              
Legg Mason Partners Variable Income Trust                                                                          
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 3.779           --              
                                                                                   3.877           --              
                                                                                   3.678           --              
                                                                                   3.528           --              
                                                                                   3.497           --              
                                                                                   3.519           --              
Trust for Advised Portfolios                                                                                       
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 6.272           --              
                                                                                   6.351           --              
                                                                                   5.456           --              
                                                                                   5.151           --              
                                                                                   5.257           --              
                                                                                   4.824           --              

                                                        [Enlarge/Download Table]

                                 GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30%                                 
                                                                           UNIT VALUE AT                   NUMBER OF UNITS
                                                                            BEGINNING OF   UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                      YEAR        YEAR        END OF YEAR      END OF YEAR  
------------------------------------------------------------------ ------ --------------- --------------- ----------------
                                                                                                                          
American Funds Insurance Series(R)                                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)........ 2018    5.324           4.780          --              
                                                                   2017    4.102           5.324          --              
                                                                   2016    4.131           4.102          --              
                                                                   2015    3.913           4.131          --              
                                                                   2014    3.875           3.913          --              
                                                                   2013    3.696           3.875          --              
 American Funds Growth Subaccount (Class 2) (12/13)............... 2018   35.208          34.665          --              
                                                                   2017   27.802          35.208          --              
                                                                   2016   25.725          27.802          --              
                                                                   2015   24.389          25.725          --              
                                                                   2014   22.770          24.389          --              
                                                                   2013   21.843          22.770          --              
 American Funds Growth-Income Subaccount (Class 2) (12/13)........ 2018   23.142          22.433          --              
                                                                   2017   19.156          23.142          --              
                                                                   2016   17.402          19.156          --              
                                                                   2015   17.377          17.402          --              
                                                                   2014   15.912          17.377          --              
                                                                   2013   15.264          15.912          --              

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                     GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                               
                                                                                                UNIT VALUE AT           
                                                                                                 BEGINNING OF           
PORTFOLIO NAME                                                                           YEAR        YEAR               
--------------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                        
Brighthouse Funds Trust I                                                                                               
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)............................... 2018    3.226                   
                                                                                        2017    3.024                   
                                                                                        2016    2.682                   
                                                                                        2015    2.822                   
                                                                                        2014    2.765                   
                                                                                        2013    2.745                   
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)................... 2018    2.095                   
                                                                                        2017    1.727                   
                                                                                        2016    1.605                   
                                                                                        2015    1.659                   
                                                                                        2014    1.600                   
                                                                                        2013    1.534                   
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................ 2018    3.280                   
                                                                                        2017    2.974                   
                                                                                        2016    2.296                   
                                                                                        2015    2.459                   
                                                                                        2014    2.449                   
                                                                                        2013    2.354                   
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)....... 2018    1.257                   
                                                                                        2017    0.991                   
                                                                                        2016    0.897                   
                                                                                        2015    1.053                   
                                                                                        2014    1.138                   
                                                                                        2013    1.120                   
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).......... 2018    2.105                   
                                                                                        2017    1.749                   
                                                                                        2016    1.636                   
                                                                                        2015    1.587                   
                                                                                        2014    1.415                   
                                                                                        2013    1.354                   
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)......................... 2018    2.083                   
                                                                                        2017    1.901                   
                                                                                        2016    1.904                   
                                                                                        2015    1.953                   
                                                                                        2014    1.741                   
                                                                                        2013    1.689                   
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)................... 2014   34.511                   
                                                                                        2013   32.849                   
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)...................... 2018    1.722                   
                                                                                        2017    1.473                   
                                                                                        2016    1.454                   
                                                                                        2015    1.535                   
                                                                                        2014    1.308                   
                                                                                        2013    1.246                   
 BHFTI FOF - American Funds(R) Balanced Allocation Subaccount (Class C) (12/13)........ 2018    1.582                   
                                                                                        2017    1.371                   
                                                                                        2016    1.289                   
                                                                                        2015    1.315                   
                                                                                        2014    1.256                   
                                                                                        2013    1.223                   
 BHFTI FOF - American Funds(R) Growth Allocation Subaccount (Class C) (12/13).......... 2018    1.664                   
                                                                                        2017    1.390                   
                                                                                        2016    1.292                   
                                                                                        2015    1.319                   
                                                                                        2014    1.256                   
                                                                                        2013    1.213                   
 BHFTI FOF - American Funds(R) Moderate Allocation Subaccount (Class C) (12/13)........ 2018    1.489                   
                                                                                        2017    1.336                   
                                                                                        2016    1.264                   
                                                                                        2015    1.290                   
                                                                                        2014    1.232                   
                                                                                        2013    1.207                   


                                                                                                         NUMBER OF UNITS
                                                                                         UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                            END OF YEAR      END OF YEAR  
--------------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                        
Brighthouse Funds Trust I                                                                                               
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)...............................  3.102                 --       
                                                                                         3.226                 --       
                                                                                         3.024                 --       
                                                                                         2.682                 --       
                                                                                         2.822                 --       
                                                                                         2.765                 --       
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)...................  1.860                 --       
                                                                                         2.095                 --       
                                                                                         1.727                 --       
                                                                                         1.605                 --       
                                                                                         1.659                 --       
                                                                                         1.600                 --       
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................  2.744                 --       
                                                                                         3.280                 --       
                                                                                         2.974                 --       
                                                                                         2.296                 --       
                                                                                         2.459                 --       
                                                                                         2.449                 --       
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......  1.068                 --       
                                                                                         1.257                 --       
                                                                                         0.991                 --       
                                                                                         0.897                 --       
                                                                                         1.053                 --       
                                                                                         1.138                 --       
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)..........  1.947                 --       
                                                                                         2.105                 --       
                                                                                         1.749                 --       
                                                                                         1.636                 --       
                                                                                         1.587                 --       
                                                                                         1.415                 --       
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13).........................  1.884                 --       
                                                                                         2.083                 --       
                                                                                         1.901                 --       
                                                                                         1.904                 --       
                                                                                         1.953                 --       
                                                                                         1.741                 --       
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)................... 35.974                 --       
                                                                                        34.511                 --       
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................  1.580                 --       
                                                                                         1.722                 --       
                                                                                         1.473                 --       
                                                                                         1.454                 --       
                                                                                         1.535                 --       
                                                                                         1.308                 --       
 BHFTI FOF - American Funds(R) Balanced Allocation Subaccount (Class C) (12/13)........  1.494                 --       
                                                                                         1.582                 --       
                                                                                         1.371                 --       
                                                                                         1.289                 --       
                                                                                         1.315                 --       
                                                                                         1.256                 --       
 BHFTI FOF - American Funds(R) Growth Allocation Subaccount (Class C) (12/13)..........  1.548                 --       
                                                                                         1.664                 --       
                                                                                         1.390                 --       
                                                                                         1.292                 --       
                                                                                         1.319                 --       
                                                                                         1.256                 --       
 BHFTI FOF - American Funds(R) Moderate Allocation Subaccount (Class C) (12/13)........  1.420                 --       
                                                                                         1.489                 --       
                                                                                         1.336                 --       
                                                                                         1.264                 --       
                                                                                         1.290                 --       
                                                                                         1.232                 --       

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               GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                          
                                                                                     UNIT VALUE AT           
                                                                                      BEGINNING OF           
PORTFOLIO NAME                                                                YEAR        YEAR               
---------------------------------------------------------------------------- ------ ---------------          
                                                                                                             
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)............ 2018   3.215                    
                                                                             2017   2.490                    
                                                                             2016   2.327                    
                                                                             2015   2.464                    
                                                                             2014   2.642                    
                                                                             2013   2.516                    
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)........................ 2018   1.428                    
                                                                             2017   1.225                    
                                                                             2016   1.058                    
                                                                             2015   1.140                    
                                                                             2014   1.057                    
                                                                             2013   1.011                    
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13)................ 2018   3.690                    
                                                                             2017   2.976                    
                                                                             2016   2.699                    
                                                                             2015   2.774                    
                                                                             2014   2.597                    
                                                                             2013   2.481                    
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13)................ 2018   2.492                    
                                                                             2017   2.436                    
                                                                             2016   1.886                    
                                                                             2015   2.060                    
                                                                             2014   1.994                    
                                                                             2013   1.910                    
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13).............. 2016   3.022                    
                                                                             2015   3.120                    
                                                                             2014   3.007                    
                                                                             2013   2.984                    
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)....... 2018   1.397                    
                                                                             2017   1.225                    
                                                                             2016   1.189                    
                                                                             2015   1.219                    
                                                                             2014   1.130                    
                                                                             2013   1.103                    
 BHFTI MFS(R) Research International Subaccount (Class B) (12/13)........... 2018   1.930                    
                                                                             2017   1.526                    
                                                                             2016   1.560                    
                                                                             2015   1.609                    
                                                                             2014   1.751                    
                                                                             2013   1.674                    
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............... 2018   1.432                    
                                                                             2017   1.061                    
                                                                             2016   1.073                    
                                                                             2015   1.047                    
                                                                             2014   1.039                    
                                                                             2013   0.991                    
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13).......... 2018   1.008                    
                                                                             2017   0.983                    
                                                                             2016   0.947                    
                                                                             2015   0.988                    
                                                                             2014   0.971                    
                                                                             2013   0.977                    
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)...................... 2018   1.866                    
                                                                             2017   1.809                    
                                                                             2016   1.786                    
                                                                             2015   1.810                    
                                                                             2014   1.759                    
                                                                             2013   1.767                    
 BHFTI Pioneer Fund Subaccount (Class A) (12/13)............................ 2016   2.815                    
                                                                             2015   2.850                    
                                                                             2014   2.598                    
                                                                             2013   2.501                    
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)................ 2016   2.924                    
                                                                             2015   3.001                    
                                                                             2014   2.907                    
                                                                             2013   2.898                    


                                                                                              NUMBER OF UNITS
                                                                              UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                 END OF YEAR      END OF YEAR  
---------------------------------------------------------------------------- --------------- ----------------
                                                                                                             
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)............ 2.420           --              
                                                                             3.215           --              
                                                                             2.490           --              
                                                                             2.327           --              
                                                                             2.464           --              
                                                                             2.642           --              
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)........................ 1.238           --              
                                                                             1.428           --              
                                                                             1.225           --              
                                                                             1.058           --              
                                                                             1.140           --              
                                                                             1.057           --              
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13)................ 3.323           --              
                                                                             3.690           --              
                                                                             2.976           --              
                                                                             2.699           --              
                                                                             2.774           --              
                                                                             2.597           --              
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13)................ 2.121           --              
                                                                             2.492           --              
                                                                             2.436           --              
                                                                             1.886           --              
                                                                             2.060           --              
                                                                             1.994           --              
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13).............. 3.116           --              
                                                                             3.022           --              
                                                                             3.120           --              
                                                                             3.007           --              
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)....... 1.280           --              
                                                                             1.397           --              
                                                                             1.225           --              
                                                                             1.189           --              
                                                                             1.219           --              
                                                                             1.130           --              
 BHFTI MFS(R) Research International Subaccount (Class B) (12/13)........... 1.639           --              
                                                                             1.930           --              
                                                                             1.526           --              
                                                                             1.560           --              
                                                                             1.609           --              
                                                                             1.751           --              
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............... 1.228           --              
                                                                             1.432           --              
                                                                             1.061           --              
                                                                             1.073           --              
                                                                             1.047           --              
                                                                             1.039           --              
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13).......... 0.973           --              
                                                                             1.008           --              
                                                                             0.983           --              
                                                                             0.947           --              
                                                                             0.988           --              
                                                                             0.971           --              
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)...................... 1.838           --              
                                                                             1.866           --              
                                                                             1.809           --              
                                                                             1.786           --              
                                                                             1.810           --              
                                                                             1.759           --              
 BHFTI Pioneer Fund Subaccount (Class A) (12/13)............................ 2.835           --              
                                                                             2.815           --              
                                                                             2.850           --              
                                                                             2.598           --              
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)................ 3.000           --              
                                                                             2.924           --              
                                                                             3.001           --              
                                                                             2.907           --              

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                  GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                            
                                                                                          UNIT VALUE AT           
                                                                                           BEGINNING OF           
PORTFOLIO NAME                                                                     YEAR        YEAR               
--------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                  
 BHFTI Schroders Global Multi-Asset Portfolio Subaccount (Class B) (12/13)....... 2018   1.335                    
                                                                                  2017   1.161                    
                                                                                  2016   1.125                    
                                                                                  2015   1.154                    
                                                                                  2014   1.076                    
                                                                                  2013   1.050                    
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................ 2018   9.951                    
                                                                                  2017   8.620                    
                                                                                  2016   7.532                    
                                                                                  2015   7.914                    
                                                                                  2014   7.078                    
                                                                                  2013   6.821                    
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)............... 2018   4.307                    
                                                                                  2017   3.986                    
                                                                                  2016   3.496                    
                                                                                  2015   3.891                    
                                                                                  2014   3.595                    
                                                                                  2013   3.448                    
Brighthouse Funds Trust II                                                                                        
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)....................... 2018   6.981                    
                                                                                  2017   6.793                    
                                                                                  2016   6.674                    
                                                                                  2015   6.721                    
                                                                                  2014   6.358                    
                                                                                  2013   6.370                    
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).............. 2018   6.617                    
                                                                                  2017   5.005                    
                                                                                  2016   5.066                    
                                                                                  2015   4.829                    
                                                                                  2014   4.493                    
                                                                                  2013   4.275                    
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)................... 2018   2.033                    
                                                                                  2017   1.918                    
                                                                                  2016   1.646                    
                                                                                  2015   1.777                    
                                                                                  2014   1.641                    
                                                                                  2013   1.579                    
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............. 2018   2.350                    
                                                                                  2017   2.360                    
                                                                                  2016   2.382                    
                                                                                  2015   2.413                    
                                                                                  2014   2.445                    
                                                                                  2013   2.446                    
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)............. 2018   1.542                    
                                                                                  2017   1.461                    
                                                                                  2016   1.416                    
                                                                                  2015   1.443                    
                                                                                  2014   1.399                    
                                                                                  2013   1.390                    
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)............. 2018   1.700                    
                                                                                  2017   1.556                    
                                                                                  2016   1.486                    
                                                                                  2015   1.522                    
                                                                                  2014   1.470                    
                                                                                  2013   1.446                    
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............. 2018   1.843                    
                                                                                  2017   1.627                    
                                                                                  2016   1.539                    
                                                                                  2015   1.580                    
                                                                                  2014   1.523                    
                                                                                  2013   1.483                    
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............. 2018   1.970                    
                                                                                  2017   1.675                    
                                                                                  2016   1.569                    
                                                                                  2015   1.617                    
                                                                                  2014   1.557                    
                                                                                  2013   1.502                    


                                                                                                   NUMBER OF UNITS
                                                                                   UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                      END OF YEAR      END OF YEAR  
--------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                  
 BHFTI Schroders Global Multi-Asset Portfolio Subaccount (Class B) (12/13)....... 1.277           --              
                                                                                  1.335           --              
                                                                                  1.161           --              
                                                                                  1.125           --              
                                                                                  1.154           --              
                                                                                  1.076           --              
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................ 8.922           --              
                                                                                  9.951           --              
                                                                                  8.620           --              
                                                                                  7.532           --              
                                                                                  7.914           --              
                                                                                  7.078           --              
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)............... 3.820           --              
                                                                                  4.307           --              
                                                                                  3.986           --              
                                                                                  3.496           --              
                                                                                  3.891           --              
                                                                                  3.595           --              
Brighthouse Funds Trust II                                                                                        
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)....................... 6.865           --              
                                                                                  6.981           --              
                                                                                  6.793           --              
                                                                                  6.674           --              
                                                                                  6.721           --              
                                                                                  6.358           --              
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).............. 6.690           --              
                                                                                  6.617           --              
                                                                                  5.005           --              
                                                                                  5.066           --              
                                                                                  4.829           --              
                                                                                  4.493           --              
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)................... 1.961           --              
                                                                                  2.033           --              
                                                                                  1.918           --              
                                                                                  1.646           --              
                                                                                  1.777           --              
                                                                                  1.641           --              
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............. 2.361           --              
                                                                                  2.350           --              
                                                                                  2.360           --              
                                                                                  2.382           --              
                                                                                  2.413           --              
                                                                                  2.445           --              
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)............. 1.482           --              
                                                                                  1.542           --              
                                                                                  1.461           --              
                                                                                  1.416           --              
                                                                                  1.443           --              
                                                                                  1.399           --              
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)............. 1.604           --              
                                                                                  1.700           --              
                                                                                  1.556           --              
                                                                                  1.486           --              
                                                                                  1.522           --              
                                                                                  1.470           --              
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............. 1.708           --              
                                                                                  1.843           --              
                                                                                  1.627           --              
                                                                                  1.539           --              
                                                                                  1.580           --              
                                                                                  1.523           --              
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............. 1.787           --              
                                                                                  1.970           --              
                                                                                  1.675           --              
                                                                                  1.569           --              
                                                                                  1.617           --              
                                                                                  1.557           --              

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                 GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                            
                                                                                         UNIT VALUE AT           
                                                                                          BEGINNING OF           
PORTFOLIO NAME                                                                    YEAR        YEAR               
-------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                 
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)............ 2018   7.883                    
                                                                                 2017   6.936                    
                                                                                 2016   6.567                    
                                                                                 2015   6.486                    
                                                                                 2014   5.944                    
                                                                                 2013   5.771                    
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A)                                    
 (12/13)........................................................................ 2018   6.677                    
                                                                                 2017   5.681                    
                                                                                 2016   5.362                    
                                                                                 2015   5.305                    
                                                                                 2014   4.857                    
                                                                                 2013   4.646                    
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).................... 2018   9.303                    
                                                                                 2017   7.531                    
                                                                                 2016   7.246                    
                                                                                 2015   7.143                    
                                                                                 2014   6.516                    
                                                                                 2013   6.277                    
 BHFTII Jennison Growth Subaccount (Class A) (12/13)............................ 2018   1.676                    
                                                                                 2017   1.236                    
                                                                                 2016   1.250                    
                                                                                 2015   1.144                    
                                                                                 2014   1.062                    
                                                                                 2013   1.017                    
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)............... 2018   1.822                    
                                                                                 2017   1.788                    
                                                                                 2016   1.770                    
                                                                                 2015   1.788                    
                                                                                 2014   1.712                    
                                                                                 2013   1.716                    
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)................ 2018   3.553                    
                                                                                 2017   3.114                    
                                                                                 2016   2.627                    
                                                                                 2015   2.735                    
                                                                                 2014   2.537                    
                                                                                 2013   2.438                    
 BHFTII MetLife MSCI EAFE(R) Index Subaccount (Class A) (12/13)................. 2018   1.827                    
                                                                                 2017   1.482                    
                                                                                 2016   1.482                    
                                                                                 2015   1.517                    
                                                                                 2014   1.636                    
                                                                                 2013   1.550                    
 BHFTII MetLife Russell 2000(R) Index Subaccount (Class A) (12/13).............. 2018   3.741                    
                                                                                 2017   3.305                    
                                                                                 2016   2.760                    
                                                                                 2015   2.921                    
                                                                                 2014   2.817                    
                                                                                 2013   2.681                    
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)........................ 2018   9.297                    
                                                                                 2017   7.749                    
                                                                                 2016   7.030                    
                                                                                 2015   7.040                    
                                                                                 2014   6.292                    
                                                                                 2013   6.043                    
 BHFTII MFS(R) Total Return Subaccount (Class F) (12/13)........................ 2018   1.289                    
                                                                                 2017   1.163                    
                                                                                 2016   1.082                    
                                                                                 2015   1.100                    
                                                                                 2014   1.027                    
                                                                                 2013   1.002                    
 BHFTII MFS(R) Value Subaccount (Class A) (12/13)............................... 2018   3.302                    
                                                                                 2017   2.834                    
                                                                                 2016   2.510                    
                                                                                 2015   2.547                    
                                                                                 2014   2.329                    
                                                                                 2013   2.223                    


                                                                                                  NUMBER OF UNITS
                                                                                  UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                     END OF YEAR      END OF YEAR  
-------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                 
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)............ 7.488           --              
                                                                                 7.883           --              
                                                                                 6.936           --              
                                                                                 6.567           --              
                                                                                 6.486           --              
                                                                                 5.944           --              
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A)                                    
 (12/13)........................................................................ 6.585           --              
                                                                                 6.677           --              
                                                                                 5.681           --              
                                                                                 5.362           --              
                                                                                 5.305           --              
                                                                                 4.857           --              
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).................... 8.653           --              
                                                                                 9.303           --              
                                                                                 7.531           --              
                                                                                 7.246           --              
                                                                                 7.143           --              
                                                                                 6.516           --              
 BHFTII Jennison Growth Subaccount (Class A) (12/13)............................ 1.660           --              
                                                                                 1.676           --              
                                                                                 1.236           --              
                                                                                 1.250           --              
                                                                                 1.144           --              
                                                                                 1.062           --              
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)............... 1.795           --              
                                                                                 1.822           --              
                                                                                 1.788           --              
                                                                                 1.770           --              
                                                                                 1.788           --              
                                                                                 1.712           --              
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)................ 3.102           --              
                                                                                 3.553           --              
                                                                                 3.114           --              
                                                                                 2.627           --              
                                                                                 2.735           --              
                                                                                 2.537           --              
 BHFTII MetLife MSCI EAFE(R) Index Subaccount (Class A) (12/13)................. 1.553           --              
                                                                                 1.827           --              
                                                                                 1.482           --              
                                                                                 1.482           --              
                                                                                 1.517           --              
                                                                                 1.636           --              
 BHFTII MetLife Russell 2000(R) Index Subaccount (Class A) (12/13).............. 3.287           --              
                                                                                 3.741           --              
                                                                                 3.305           --              
                                                                                 2.760           --              
                                                                                 2.921           --              
                                                                                 2.817           --              
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)........................ 8.754           --              
                                                                                 9.297           --              
                                                                                 7.749           --              
                                                                                 7.030           --              
                                                                                 7.040           --              
                                                                                 6.292           --              
 BHFTII MFS(R) Total Return Subaccount (Class F) (12/13)........................ 1.199           --              
                                                                                 1.289           --              
                                                                                 1.163           --              
                                                                                 1.082           --              
                                                                                 1.100           --              
                                                                                 1.027           --              
 BHFTII MFS(R) Value Subaccount (Class A) (12/13)............................... 2.931           --              
                                                                                 3.302           --              
                                                                                 2.834           --              
                                                                                 2.510           --              
                                                                                 2.547           --              
                                                                                 2.329           --              

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                   GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                              
                                                                                             UNIT VALUE AT           
                                                                                              BEGINNING OF           
PORTFOLIO NAME                                                                        YEAR        YEAR               
------------------------------------------------------------------------------------ ------ ---------------          
                                                                                                                     
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)....................... 2018    3.439                   
                                                                                     2017    3.010                   
                                                                                     2016    2.569                   
                                                                                     2015    2.587                   
                                                                                     2014    2.621                   
                                                                                     2013    2.524                   
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)................. 2018    3.455                   
                                                                                     2017    2.622                   
                                                                                     2016    2.616                   
                                                                                     2015    2.398                   
                                                                                     2014    2.233                   
                                                                                     2013    2.144                   
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)................. 2018    4.248                   
                                                                                     2017    3.512                   
                                                                                     2016    3.191                   
                                                                                     2015    3.155                   
                                                                                     2014    2.997                   
                                                                                     2013    2.869                   
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount                                             
 (Class A) (5/16)................................................................... 2018   35.802                   
                                                                                     2017   33.513                   
                                                                                     2016   32.257                   
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)....... 2018    1.937                   
                                                                                     2017    1.925                   
                                                                                     2016    1.926                   
                                                                                     2015    1.940                   
                                                                                     2014    1.912                   
                                                                                     2013    1.918                   
Delaware VIP Trust                                                                                                   
 Delaware VIP(R) Small Cap Value Subaccount (Standard Class) (12/13)................ 2018    1.459                   
                                                                                     2017    1.319                   
                                                                                     2016    1.017                   
                                                                                     2015    1.098                   
                                                                                     2014    1.051                   
                                                                                     2013    1.004                   
Fidelity(R) Variable Insurance Products                                                                              
 Fidelity VIP Contrafund(R) Subaccount (Service Class 2) (12/13).................... 2018    8.218                   
                                                                                     2017    6.847                   
                                                                                     2016    6.439                   
                                                                                     2015    6.496                   
                                                                                     2014    5.894                   
                                                                                     2013    5.652                   
 Fidelity VIP Freedom 2020 Subaccount (5/15)........................................ 2018   18.937                   
                                                                                     2017   16.501                   
                                                                                     2016   15.800                   
                                                                                     2015   16.666                   
 Fidelity VIP Freedom 2025 Subaccount (5/15)........................................ 2018   20.179                   
                                                                                     2017   17.388                   
                                                                                     2016   16.621                   
                                                                                     2015   17.600                   
 Fidelity VIP Freedom 2030 Subaccount (5/15)........................................ 2018   20.564                   
                                                                                     2017   17.260                   
                                                                                     2016   16.438                   
                                                                                     2015   17.524                   
 Fidelity VIP Freedom 2040 Subaccount (5/15)........................................ 2018   28.023                   
                                                                                     2017   23.025                   
                                                                                     2016   21.897                   
                                                                                     2015   23.412                   
 Fidelity VIP Freedom 2050 Subaccount (5/15)........................................ 2018   28.635                   
                                                                                     2017   23.527                   
                                                                                     2016   22.367                   
                                                                                     2015   23.932                   


                                                                                                      NUMBER OF UNITS
                                                                                      UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                         END OF YEAR      END OF YEAR  
------------------------------------------------------------------------------------ --------------- ----------------
                                                                                                                     
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).......................  3.166          --              
                                                                                      3.439          --              
                                                                                      3.010          --              
                                                                                      2.569          --              
                                                                                      2.587          --              
                                                                                      2.621          --              
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).................  3.371          --              
                                                                                      3.455          --              
                                                                                      2.622          --              
                                                                                      2.616          --              
                                                                                      2.398          --              
                                                                                      2.233          --              
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).................  3.908          --              
                                                                                      4.248          --              
                                                                                      3.512          --              
                                                                                      3.191          --              
                                                                                      3.155          --              
                                                                                      2.997          --              
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount                                             
 (Class A) (5/16)................................................................... 33.996          --              
                                                                                     35.802          --              
                                                                                     33.513          --              
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).......  1.931          --              
                                                                                      1.937          --              
                                                                                      1.925          --              
                                                                                      1.926          --              
                                                                                      1.940          --              
                                                                                      1.912          --              
Delaware VIP Trust                                                                                                   
 Delaware VIP(R) Small Cap Value Subaccount (Standard Class) (12/13)................  1.199          --              
                                                                                      1.459          --              
                                                                                      1.319          --              
                                                                                      1.017          --              
                                                                                      1.098          --              
                                                                                      1.051          --              
Fidelity(R) Variable Insurance Products                                                                              
 Fidelity VIP Contrafund(R) Subaccount (Service Class 2) (12/13)....................  7.573          --              
                                                                                      8.218          --              
                                                                                      6.847          --              
                                                                                      6.439          --              
                                                                                      6.496          --              
                                                                                      5.894          --              
 Fidelity VIP Freedom 2020 Subaccount (5/15)........................................ 17.555          --              
                                                                                     18.937          --              
                                                                                     16.501          --              
                                                                                     15.800          --              
 Fidelity VIP Freedom 2025 Subaccount (5/15)........................................ 18.568          --              
                                                                                     20.179          --              
                                                                                     17.388          --              
                                                                                     16.621          --              
 Fidelity VIP Freedom 2030 Subaccount (5/15)........................................ 18.662          --              
                                                                                     20.564          --              
                                                                                     17.260          --              
                                                                                     16.438          --              
 Fidelity VIP Freedom 2040 Subaccount (5/15)........................................ 24.860          --              
                                                                                     28.023          --              
                                                                                     23.025          --              
                                                                                     21.897          --              
 Fidelity VIP Freedom 2050 Subaccount (5/15)........................................ 25.401          --              
                                                                                     28.635          --              
                                                                                     23.527          --              
                                                                                     22.367          --              

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                  GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.30% (CONTINUED)                             
                                                                                           UNIT VALUE AT           
                                                                                            BEGINNING OF           
PORTFOLIO NAME                                                                      YEAR        YEAR               
---------------------------------------------------------------------------------- ------ ---------------          
                                                                                                                   
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 2018   7.733                    
                                                                                   2017   6.499                    
                                                                                   2016   5.883                    
                                                                                   2015   6.059                    
                                                                                   2014   5.789                    
                                                                                   2013   5.518                    
Franklin Templeton Variable Insurance Products Trust                                                               
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 2018   1.671                    
                                                                                   2017   1.205                    
                                                                                   2016   1.040                    
                                                                                   2015   1.310                    
                                                                                   2014   1.449                    
                                                                                   2013   1.411                    
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 2018   4.112                    
                                                                                   2017   3.569                    
                                                                                   2016   3.374                    
                                                                                   2015   3.656                    
                                                                                   2014   4.167                    
                                                                                   2013   3.972                    
Janus Aspen Series                                                                                                 
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2018   8.878                    
                                                                                   2017   7.077                    
                                                                                   2016   6.395                    
                                                                                   2015   6.244                    
                                                                                   2014   5.636                    
                                                                                   2013   5.417                    
Legg Mason Partners Variable Equity Trust                                                                          
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014   4.529                    
                                                                                   2013   4.327                    
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2018   6.724                    
                                                                                   2017   5.698                    
                                                                                   2016   5.259                    
                                                                                   2015   5.244                    
                                                                                   2014   4.786                    
                                                                                   2013   4.589                    
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2018   1.467                    
                                                                                   2017   1.247                    
                                                                                   2016   1.098                    
                                                                                   2015   1.163                    
                                                                                   2014   1.037                    
                                                                                   2013   1.000                    
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2018   3.566                    
                                                                                   2017   2.872                    
                                                                                   2016   2.710                    
                                                                                   2015   2.500                    
                                                                                   2014   2.222                    
                                                                                   2013   2.119                    
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2018   3.739                    
                                                                                   2017   3.048                    
                                                                                   2016   2.918                    
                                                                                   2015   3.092                    
                                                                                   2014   3.010                    
                                                                                   2013   2.828                    
Legg Mason Partners Variable Income Trust                                                                          
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2018   3.064                    
                                                                                   2017   2.935                    
                                                                                   2016   2.844                    
                                                                                   2015   2.847                    
                                                                                   2014   2.894                    
                                                                                   2013   2.887                    
Trust for Advised Portfolios                                                                                       
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 2018   4.916                    
                                                                                   2017   4.266                    
                                                                                   2016   4.068                    
                                                                                   2015   4.193                    
                                                                                   2014   3.887                    
                                                                                   2013   3.767                    


                                                                                                    NUMBER OF UNITS
                                                                                    UNIT VALUE AT   OUTSTANDING AT 
PORTFOLIO NAME                                                                       END OF YEAR      END OF YEAR  
---------------------------------------------------------------------------------- --------------- ----------------
                                                                                                                   
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 6.505           --              
                                                                                   7.733           --              
                                                                                   6.499           --              
                                                                                   5.883           --              
                                                                                   6.059           --              
                                                                                   5.789           --              
Franklin Templeton Variable Insurance Products Trust                                                               
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 1.388           --              
                                                                                   1.671           --              
                                                                                   1.205           --              
                                                                                   1.040           --              
                                                                                   1.310           --              
                                                                                   1.449           --              
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 3.432           --              
                                                                                   4.112           --              
                                                                                   3.569           --              
                                                                                   3.374           --              
                                                                                   3.656           --              
                                                                                   4.167           --              
Janus Aspen Series                                                                                                 
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 8.704           --              
                                                                                   8.878           --              
                                                                                   7.077           --              
                                                                                   6.395           --              
                                                                                   6.244           --              
                                                                                   5.636           --              
Legg Mason Partners Variable Equity Trust                                                                          
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 4.557           --              
                                                                                   4.529           --              
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 6.521           --              
                                                                                   6.724           --              
                                                                                   5.698           --              
                                                                                   5.259           --              
                                                                                   5.244           --              
                                                                                   4.786           --              
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 1.377           --              
                                                                                   1.467           --              
                                                                                   1.247           --              
                                                                                   1.098           --              
                                                                                   1.163           --              
                                                                                   1.037           --              
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 3.520           --              
                                                                                   3.566           --              
                                                                                   2.872           --              
                                                                                   2.710           --              
                                                                                   2.500           --              
                                                                                   2.222           --              
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 3.817           --              
                                                                                   3.739           --              
                                                                                   3.048           --              
                                                                                   2.918           --              
                                                                                   3.092           --              
                                                                                   3.010           --              
Legg Mason Partners Variable Income Trust                                                                          
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2.956           --              
                                                                                   3.064           --              
                                                                                   2.935           --              
                                                                                   2.844           --              
                                                                                   2.847           --              
                                                                                   2.894           --              
Trust for Advised Portfolios                                                                                       
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 4.807           --              
                                                                                   4.916           --              
                                                                                   4.266           --              
                                                                                   4.068           --              
                                                                                   4.193           --              
                                                                                   3.887           --              

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

Funding options not listed above had no amounts allocated to them or were not   
available as of December 31, 2018.                                              

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

Variable Funding Option mergers and substitutions that occurred between January 
1, 2005 and December 31, 2018 are displayed below. Please see Appendix B for    
more information on Variable Funding Option mergers, substitutions and other    
changes.                                                                        

Effective on or about 4/28/2016, Met Investors Series Trust-Lord Abbett Bond    
Debenture Portfolio merged into Metropolitan Series Fund-Western Asset          
Management Strategic Bond Opportunities Portfolio and is no longer available as 
a funding option.                                                               

Effective on or about 4/28/2016, Met Investors Series Trust-Pioneer Fund        
Portfolio merged into Metropolitan Series Fund-Met/Wellington Core Equity       
Opportunities Portfolio and is no longer available as a funding option.         

Effective on or about 4/28/2016, Met Investors Series Trust-Pioneer Strategic   
Income Portfolio merged into Metropolitan Series Fund-Western Asset Management  
Strategic Bond Opportunities Portfolio and is no longer available as a funding  
option.                                                                         

Effective on or about 4/27/2018, Brighthouse Funds Trust II-BlackRock Large Cap 
Value Portfolio merged into Brighthouse Funds Trust II-MFS(R) Value Portfolio   
and is no longer available as a funding option.                                 

Effective on or about 4/27/2018, Brighthouse Funds Trust I-Pyramis(R) Managed   
Risk Portfolio merged into Brighthouse Funds Trust I-Schroders Global           
Multi-Asset Portfolio and is no longer available as a funding option.           

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APPENDIX B

--------------------------------------------------------------------------------
PORTFOLIO LEGAL AND MARKETING NAMES 

                                                        [Enlarge/Download Table]

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

ANNUITY CONTRACT LEGAL AND MARKETING NAME 

                                                                [Download Table]

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

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APPENDIX C

--------------------------------------------------------------------------------
CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION 

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

The Insurance Company                                                           

Services                                                                        

Principal Underwriter                                                           

Custodian                                                                       

Distribution and Principal Underwriting Agreement                               

Calculation of Annuity Unit Value                                               

Advertisement of the Separate Account                                           

Taxes                                                                           

Qualified Annuity Contracts                                                   

Types of Qualified Plans                                                      

ERISA                                                                         

Federal Estate Taxes                                                          

Generation-Skipping Transfer Tax                                              

Annuity Purchase Payments By Nonresident Aliens and Foreign Corporations      

Independent Registered Public Accounting Firm                                   

Condensed Financial Information                                                 

Financial Statements                                                            

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

Name:_______________________________________________________________            

Address:_____________________________________________________________           

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APPENDIX D
-                                                             

--------------------------------------------------------------------------------
COMPETING FUNDS 

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

o   BlackRock Bond Income Portfolio                                       

o   BlackRock High Yield Portfolio                                        

o   BlackRock Ultra-Short Term Bond Portfolio                             

o   MetLife Aggregate Bond Index Portfolio                                

o   Western Asset Core Plus VIT Portfolio                                 

o   PIMCO Inflation Protected Bond Portfolio                              

o   PIMCO Total Return Portfolio                                          

o   Western Asset Management Strategic Bond Opportunities Portfolio       

o   Western Asset Management U.S. Government Portfolio                    

D-1 

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GOLD TRACK SELECT 

STATEMENT OF ADDITIONAL INFORMATION 

DATED 

APRIL 29, 2019

FOR VARIABLE ANNUITY CONTRACTS

ISSUED BY 

METROPOLITAN LIFE INSURANCE COMPANY 

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

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

29, 2019. A copy of the Variable Annuity Contract Prospectus may be obtained by 

writing to Metropolitan Life Insurance Company, P.O. Box 10342, Des Moines, IA, 

50306, or by calling 1-800-842-9406, or by accessing the Securities and         

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

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

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TABLE OF CONTENTS 

                                                        [Enlarge/Download Table]

                                                                                    PAGE
                                                                                   -----
                                                                                        
THE INSURANCE COMPANY.............................................................    2 
SERVICES..........................................................................    2 
PRINCIPAL UNDERWRITER.............................................................    2 
CUSTODIAN.........................................................................    2 
DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT.................................    3 
CALCULATION OF ANNUITY UNIT VALUE.................................................    3 
ADVERTISEMENT OF THE SEPARATE ACCOUNT.............................................    3 
TAXES.............................................................................    5 
   Qualified Annuity Contracts....................................................    5 
   Types of Qualified Plans.......................................................    5 
   ERISA..........................................................................    6 
   Federal Estate Taxes...........................................................    7 
   Generation-Skipping Transfer Tax...............................................    7 
   Annuity Purchase Payments By Nonresident Aliens and Foreign Corporations.......    7 
INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM.....................................    7 
CONDENSED FINANCIAL INFORMATION -- Gold Track Select MLIC.........................    8 
FINANCIAL STATEMENTS..............................................................   34 

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THE INSURANCE COMPANY 

Metropolitan Life Insurance Company is a provider of insurance, annuities,      
employee benefits and asset management. We are also one of the largest          
institutional investors in the United States with a $264.3 billion general      
account portfolio invested primarily in investment grade corporate bonds,       
structured finance securities, mortgage loans and U.S. Treasury and agency      
securities, as well as real estate and corporate equity, at December 31, 2018.  
The Company was incorporated under the laws of New York in 1868. The Company's  
office is located at 200 Park Avenue New York, New York 10166-0188. The Company 
is a wholly-owned subsidiary of MetLife, Inc. The office that administers Your  
Contract is located at P.O. Box 10342, Des Moines, IA, 50306.                   

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

State Regulation                                                                

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

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

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

Recordkeeping fees paid to Fascore in 2018 were $3,481,825.                     

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

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

PRINCIPAL UNDERWRITER 

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

CUSTODIAN 

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

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DISTRIBUTION AND PRINCIPAL UNDERWRITING AGREEMENT 

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

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

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

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

                                                                [Download Table]

              UNDERWRITING COMMISSIONS PAID     AMOUNT OF UNDERWRITING   
                TO THE DISTRIBUTOR BY THE     COMMISSIONS RETAINED BY THE
    YEAR                 COMPANY                      DISTRIBUTOR        
------------ ------------------------------- ----------------------------
                                                                         
 2018........$ 55,872,532                    $0                          
 2017........$ 84,338,194                    $0                          
 2016........$105,828,670                    $0                          

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

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

CALCULATION OF ANNUITY UNIT VALUE 

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

From time to time We advertise the performance of various Separate Account      
Divisions. For the Divisions, this performance will be stated in terms of       
either "yield", "change in Accumulation Unit Value," "change in Annuity Unit    
Value" or "average annual total return" or some combination of the foregoing.   
Yield, change in Accumulation Unit Value, change in Annuity Unit Value and      
average annual total return figures are based on historical earnings and are    
not intended to indicate future performance. Yield figures quoted in            
advertisements state the net income generated by an investment in a particular  
Division for a thirty-day period or month, which is specified in the            
advertisement, and then expressed as a percentage yield of that investment.     
Yield is calculated by dividing the net investment income per share earned      
during the period by the maximum offering price per share on the last day of    
the period, according to this formula 2[(a-b/cd+1)6-1], where "a" represents    
dividends and interest earned during the period; "b" represents expenses        
accrued for the period (net of reimbursements); "c" represents the average      
daily number of shares outstanding during the period that were entitled to      
receive dividends; and "d" represents the maximum offering price per share on   
the last day of the period. This percentage yield is then compounded            
semiannually. For the money market Division, We state yield for a seven day     
period. Change in Accumulation Unit Value or Annuity Unit Value ("Non-Standard  
Performance") refers to the comparison between values of accumulation units or  
annuity units over specified periods in which a Division has been in operation, 
expressed as a percentages and may also be expressed as an annualized figure.   
In addition, change in Accumulation Unit Value or Annuity Unit Value may be     
used to illustrate performance for a hypothetical investment (such as $10,000)  
over the time period specified. Change in Accumulation Unit Value is expressed  
by this formula [UV\1\/UV\0\ (annualization factor)]-1, where UV\1\ represents  
the current                                                                     

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unit value and UV\0\ represents the prior unit value. The annualization factor  
can be either (1/number of years) or (365/number of days). Yield and change in  
Accumulation Unit Value figures do not reflect the possible imposition of a     
Withdrawal Charge for the Contracts, of up to 9% of the amount withdrawn        
attributable to a purchase payment, which may result in a lower figure being    
experienced by the investor. Average annual total return ("Standard             
Performance") differs from the change in Accumulation Unit Value and Annuity    
Unit Value because it assumes a steady rate of return and reflects all expenses 
and applicable withdrawal charges. Average annual total return is calculated by 
finding the average annual compounded rates of return over the 1-, 5-, and      
10-year periods that would equate the initial amount invested to the ending     
redeemable value, according to this formula P(1+T)n=ERV, where "P" represents a 
hypothetical initial payment of $1,000; "T" represents average annual total     
return; "n" represents number of years; and "ERV" represents ending redeemable  
value of a hypothetical $1,000 payment made at the beginning of 1-, 5-, or      
10-year periods at the end of the 1-, 5-, or 10-year period (or fractional      
portion). Performance figures will vary among the various classes of the        
Contracts and the Divisions as a result of different Separate Account charges   
and withdrawal charges since the Division inception date, which is the date the 
corresponding Portfolio or predecessor Portfolio was first offered under the    
Separate Account that funds the Contract.                                       

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

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

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

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Past performance is no guarantee of future results.                             

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

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

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

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

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

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

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

QUALIFIED ANNUITY CONTRACTS                                                     

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

TYPES OF QUALIFIED PLANS                                                        

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

401(K), 401(A)                                                                  

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

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

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

457(B) GOVERNMENTAL SPONSOR                                                     

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

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457(B) NON-GOVERNMENTAL SPONSOR                                                 

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

Additional information regarding 457(b) plans                                   

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

403(A)                                                                          

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

ERISA                                                                           

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

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

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

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

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

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

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

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

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

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Comparison of Plan Limits for Individual Contributions:                         

                                                                [Download Table]

   PLAN TYPE       ELECTIVE CONTRIBUTION   CATCH-UP CONTRIBUTION
                                                                
401(k)                    $19,000                 $6,000        
401(a)                      (Employer contributions only)       
403(b) (TSA)              $19,000                 $6,000        
457(b)                    $19,000                 $6,000        

Dollar limits are for 2019 and subject to cost-of-living adjustments in future  
years. Employer-sponsored individual account plans (other than 457(b) plans)    
may provide for additional employer contributions such that annual plan         
contributions do not to exceed the lesser of $56,000 or 100% of an employee's   
compensation for 2019.                                                          

FEDERAL ESTATE TAXES                                                            

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

GENERATION-SKIPPING TRANSFER TAX                                                

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

ANNUITY PURCHASE PAYMENTS BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS        

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

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

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

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

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

                                                        [Enlarge/Download Table]

                                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60%                                    
                                                                                                   UNIT      UNIT     NUMBER OF 
                                                                                                  VALUE      VALUE      UNITS   
                                                                                                    AT        AT     OUTSTANDING
                                                                                                BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                           YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                                
American Funds Insurance Series(Reg. TM)                                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)............................. 2018    6.153       5.563   --          
                                                                                        2017    4.708       6.153   --          
                                                                                        2016    4.708       4.708   --          
                                                                                        2015    4.429       4.708   --          
                                                                                        2014    4.355       4.429   --          
                                                                                        2013    4.152       4.355   --          
 American Funds Growth Subaccount (Class 2) (12/13).................................... 2018   44.640      44.262   --          
                                                                                        2017   35.005      44.640   --          
                                                                                        2016   32.164      35.005   --          
                                                                                        2015   30.281      32.164   --          
                                                                                        2014   28.074      30.281   --          
                                                                                        2013   26.921      28.074   --          
 American Funds Growth-Income Subaccount (Class 2) (12/13)............................. 2018   29.341      28.643   --          
                                                                                        2017   24.118      29.341   --          
                                                                                        2016   21.757      24.118   --          
                                                                                        2015   21.574      21.757   --          
                                                                                        2014   19.618      21.574   --          
                                                                                        2013   18.813      19.618   --          
Brighthouse Funds Trust I                                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)............................... 2018    3.746       3.627   --          
                                                                                        2017    3.487       3.746   --          
                                                                                        2016    3.070       3.487   --          
                                                                                        2015    3.209       3.070   --          
                                                                                        2014    3.122       3.209   --          
                                                                                        2013    3.098       3.122   --          
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)................... 2018    2.297       2.054   --          
                                                                                        2017    1.880       2.297   --          
                                                                                        2016    1.735       1.880   --          
                                                                                        2015    1.782       1.735   --          
                                                                                        2014    1.706       1.782   --          
                                                                                        2013    1.635       1.706   --          
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................ 2018    3.660       3.084   --          
                                                                                        2017    3.296       3.660   --          
                                                                                        2016    2.526       3.296   --          
                                                                                        2015    2.687       2.526   --          
                                                                                        2014    2.658       2.687   --          
                                                                                        2013    2.554       2.658   --          
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)....... 2018    1.364       1.168   --          
                                                                                        2017    1.067       1.364   --          
                                                                                        2016    0.960       1.067   --          
                                                                                        2015    1.119       0.960   --          
                                                                                        2014    1.200       1.119   --          
                                                                                        2013    1.181       1.200   --          
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).......... 2018    2.418       2.252   --          
                                                                                        2017    1.995       2.418   --          
                                                                                        2016    1.853       1.995   --          
                                                                                        2015    1.785       1.853   --          
                                                                                        2014    1.580       1.785   --          
                                                                                        2013    1.511       1.580   --          
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)......................... 2018    2.292       2.088   --          
                                                                                        2017    2.078       2.292   --          
                                                                                        2016    2.067       2.078   --          
                                                                                        2015    2.105       2.067   --          
                                                                                        2014    1.863       2.105   --          
                                                                                        2013    1.806       1.863   --          
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)................... 2014   43.115      45.043   --          
                                                                                        2013   41.025      43.115   --          

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................... 2018   1.938         
                                                                                           2017   1.647         
                                                                                           2016   1.613         
                                                                                           2015   1.691         
                                                                                           2014   1.431         
                                                                                           2013   1.363         
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 2018   1.693         
                                                                                           2017   1.457         
                                                                                           2016   1.360         
                                                                                           2015   1.378         
                                                                                           2014   1.307         
                                                                                           2013   1.272         
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 2018   1.781         
                                                                                           2017   1.477         
                                                                                           2016   1.363         
                                                                                           2015   1.382         
                                                                                           2014   1.307         
                                                                                           2013   1.261         
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 2018   1.594         
                                                                                           2017   1.419         
                                                                                           2016   1.334         
                                                                                           2015   1.352         
                                                                                           2014   1.282         
                                                                                           2013   1.256         
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2018   3.596         
                                                                                           2017   2.766         
                                                                                           2016   2.566         
                                                                                           2015   2.698         
                                                                                           2014   2.873         
                                                                                           2013   2.736         
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 2018   1.470         
                                                                                           2017   1.253         
                                                                                           2016   1.075         
                                                                                           2015   1.150         
                                                                                           2014   1.058         
                                                                                           2013   1.012         
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 2018   4.134         
                                                                                           2017   3.311         
                                                                                           2016   2.982         
                                                                                           2015   3.043         
                                                                                           2014   2.830         
                                                                                           2013   2.702         
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2018   2.724         
                                                                                           2017   2.644         
                                                                                           2016   2.033         
                                                                                           2015   2.205         
                                                                                           2014   2.120         
                                                                                           2013   2.030         
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 2016   3.468         
                                                                                           2015   3.556         
                                                                                           2014   3.403         
                                                                                           2013   3.376         
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 2018   1.448         
                                                                                           2017   1.261         
                                                                                           2016   1.215         
                                                                                           2015   1.238         
                                                                                           2014   1.140         
                                                                                           2013   1.112         
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 2018   2.173         
                                                                                           2017   1.706         
                                                                                           2016   1.731         
                                                                                           2015   1.773         
                                                                                           2014   1.917         
                                                                                           2013   1.832         
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............................. 2018   1.475         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................... 1.791    --          
                                                                                           1.938    --          
                                                                                           1.647    --          
                                                                                           1.613    --          
                                                                                           1.691    --          
                                                                                           1.431    --          
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 1.610    --          
                                                                                           1.693    --          
                                                                                           1.457    --          
                                                                                           1.360    --          
                                                                                           1.378    --          
                                                                                           1.307    --          
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 1.668    --          
                                                                                           1.781    --          
                                                                                           1.477    --          
                                                                                           1.363    --          
                                                                                           1.382    --          
                                                                                           1.307    --          
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 1.530    --          
                                                                                           1.594    --          
                                                                                           1.419    --          
                                                                                           1.334    --          
                                                                                           1.352    --          
                                                                                           1.282    --          
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2.726    --          
                                                                                           3.596    --          
                                                                                           2.766    --          
                                                                                           2.566    --          
                                                                                           2.698    --          
                                                                                           2.873    --          
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 1.283    --          
                                                                                           1.470    --          
                                                                                           1.253    --          
                                                                                           1.075    --          
                                                                                           1.150    --          
                                                                                           1.058    --          
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 3.749    --          
                                                                                           4.134    --          
                                                                                           3.311    --          
                                                                                           2.982    --          
                                                                                           3.043    --          
                                                                                           2.830    --          
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2.335    --          
                                                                                           2.724    --          
                                                                                           2.644    --          
                                                                                           2.033    --          
                                                                                           2.205    --          
                                                                                           2.120    --          
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 3.585    --          
                                                                                           3.468    --          
                                                                                           3.556    --          
                                                                                           3.403    --          
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 1.336    --          
                                                                                           1.448    --          
                                                                                           1.261    --          
                                                                                           1.215    --          
                                                                                           1.238    --          
                                                                                           1.140    --          
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 1.857    --          
                                                                                           2.173    --          
                                                                                           1.706    --          
                                                                                           1.731    --          
                                                                                           1.773    --          
                                                                                           1.917    --          
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............................. 1.273    --          

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                           
                                                                                             UNIT      UNIT     NUMBER OF 
                                                                                            VALUE      VALUE      UNITS   
                                                                                              AT        AT     OUTSTANDING
                                                                                          BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                     YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                          
                                                                                  2017    1.085       1.475        --     
                                                                                  2016    1.089       1.085        --     
                                                                                  2015    1.055       1.089        --     
                                                                                  2014    1.040       1.055        --     
                                                                                  2013    0.992       1.040        --     
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)............... 2018    1.037       1.009        --     
                                                                                  2017    1.005       1.037        --     
                                                                                  2016    0.962       1.005        --     
                                                                                  2015    0.997       0.962        --     
                                                                                  2014    0.972       0.997        --     
                                                                                  2013    0.978       0.972        --     
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)........................... 2018    2.100       2.083        --     
                                                                                  2017    2.022       2.100        --     
                                                                                  2016    1.982       2.022        --     
                                                                                  2015    1.994       1.982        --     
                                                                                  2014    1.926       1.994        --     
                                                                                  2013    1.933       1.926        --     
 BHFTI Pioneer Fund Subaccount (Class A) (12/13)................................. 2018    3.312       3.312        --     
                                                                                  2017    3.312       3.312        --     
                                                                                  2016    3.282       3.312        --     
                                                                                  2015    3.300       3.282        --     
                                                                                  2014    2.986       3.300        --     
                                                                                  2013    2.874       2.986        --     
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)..................... 2016    3.399       3.495        --     
                                                                                  2015    3.464       3.399        --     
                                                                                  2014    3.332       3.464        --     
                                                                                  2013    3.321       3.332        --     
 BHFTI Schroders Global Multi-Asset Portfolio Subaccount (Class B) (12/13)....... 2018    1.379       1.323        --     
                                                                                  2017    1.191       1.379        --     
                                                                                  2016    1.146       1.191        --     
                                                                                  2015    1.168       1.146        --     
                                                                                  2014    1.081       1.168        --     
                                                                                  2013    1.055       1.081        --     
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................ 2018   12.111      10.936        --     
                                                                                  2017   10.418      12.111        --     
                                                                                  2016    9.040      10.418        --     
                                                                                  2015    9.432       9.040        --     
                                                                                  2014    8.376       9.432        --     
                                                                                  2013    8.069       8.376        --     
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)............... 2018    4.967       4.436        --     
                                                                                  2017    4.565       4.967        --     
                                                                                  2016    3.976       4.565        --     
                                                                                  2015    4.394       3.976        --     
                                                                                  2014    4.032       4.394        --     
                                                                                  2013    3.866       4.032        --     
Brighthouse Funds Trust II                                                                                                
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)....................... 2018    8.879       8.794        --     
                                                                                  2017    8.580       8.879        --     
                                                                                  2016    8.370       8.580        --     
                                                                                  2015    8.371       8.370        --     
                                                                                  2014    7.864       8.371        --     
                                                                                  2013    7.876       7.864        --     
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).............. 2018    7.783       7.923        --     
                                                                                  2017    5.846       7.783        --     
                                                                                  2016    5.876       5.846        --     
                                                                                  2015    5.562       5.876        --     
                                                                                  2014    5.138       5.562        --     
                                                                                  2013    4.887       5.138        --     
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)................... 2018    2.268       2.193        --     
                                                                                  2017    2.126       2.268        --     
                                                                                  2016    1.811       2.126        --     
                                                                                  2015    1.942       1.811        --     
                                                                                  2014    1.781       1.942        --     
                                                                                  2013    1.712       1.781        --     
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............. 2018    2.989       3.025        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017    2.980        
                                                                                           2016    2.988        
                                                                                           2015    3.006        
                                                                                           2014    3.024        
                                                                                           2013    3.025        
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)...................... 2018    1.685        
                                                                                           2017    1.585        
                                                                                           2016    1.526        
                                                                                           2015    1.544        
                                                                                           2014    1.487        
                                                                                           2013    1.476        
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)...................... 2018    1.858        
                                                                                           2017    1.689        
                                                                                           2016    1.602        
                                                                                           2015    1.629        
                                                                                           2014    1.562        
                                                                                           2013    1.536        
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)...................... 2018    2.014        
                                                                                           2017    1.766        
                                                                                           2016    1.659        
                                                                                           2015    1.690        
                                                                                           2014    1.619        
                                                                                           2013    1.575        
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)...................... 2018    2.153        
                                                                                           2017    1.817        
                                                                                           2016    1.691        
                                                                                           2015    1.730        
                                                                                           2014    1.654        
                                                                                           2013    1.596        
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 2018    9.827        
                                                                                           2017    8.586        
                                                                                           2016    8.073        
                                                                                           2015    7.918        
                                                                                           2014    7.205        
                                                                                           2013    6.994        
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 2018    7.853        
                                                                                           2017    6.635        
                                                                                           2016    6.218        
                                                                                           2015    6.109        
                                                                                           2014    5.555        
                                                                                           2013    5.311        
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 2018   11.452        
                                                                                           2017    9.207        
                                                                                           2016    8.796        
                                                                                           2015    8.610        
                                                                                           2014    7.800        
                                                                                           2013    7.512        
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 2018    1.726        
                                                                                           2017    1.264        
                                                                                           2016    1.270        
                                                                                           2015    1.153        
                                                                                           2014    1.064        
                                                                                           2013    1.018        
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 2018    2.084        
                                                                                           2017    2.030        
                                                                                           2016    1.995        
                                                                                           2015    2.002        
                                                                                           2014    1.904        
                                                                                           2013    1.908        
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 2018    4.016        
                                                                                           2017    3.495        
                                                                                           2016    2.928        
                                                                                           2015    3.027        
                                                                                           2014    2.788        
                                                                                           2013    2.678        
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 2018    2.089        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            2.989        --     
                                                                                            2.980        --     
                                                                                            2.988        --     
                                                                                            3.006        --     
                                                                                            3.024        --     
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)......................  1.631        --     
                                                                                            1.685        --     
                                                                                            1.585        --     
                                                                                            1.526        --     
                                                                                            1.544        --     
                                                                                            1.487        --     
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)......................  1.765        --     
                                                                                            1.858        --     
                                                                                            1.689        --     
                                                                                            1.602        --     
                                                                                            1.629        --     
                                                                                            1.562        --     
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)......................  1.879        --     
                                                                                            2.014        --     
                                                                                            1.766        --     
                                                                                            1.659        --     
                                                                                            1.690        --     
                                                                                            1.619        --     
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)......................  1.966        --     
                                                                                            2.153        --     
                                                                                            1.817        --     
                                                                                            1.691        --     
                                                                                            1.730        --     
                                                                                            1.654        --     
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)......................  9.401        --     
                                                                                            9.827        --     
                                                                                            8.586        --     
                                                                                            8.073        --     
                                                                                            7.918        --     
                                                                                            7.205        --     
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13).....  7.799        --     
                                                                                            7.853        --     
                                                                                            6.635        --     
                                                                                            6.218        --     
                                                                                            6.109        --     
                                                                                            5.555        --     
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 10.728        --     
                                                                                           11.452        --     
                                                                                            9.207        --     
                                                                                            8.796        --     
                                                                                            8.610        --     
                                                                                            7.800        --     
 BHFTII Jennison Growth Subaccount (Class A) (12/13)......................................  1.721        --     
                                                                                            1.726        --     
                                                                                            1.264        --     
                                                                                            1.270        --     
                                                                                            1.153        --     
                                                                                            1.064        --     
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13).........................  2.067        --     
                                                                                            2.084        --     
                                                                                            2.030        --     
                                                                                            1.995        --     
                                                                                            2.002        --     
                                                                                            1.904        --     
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)..........................  3.530        --     
                                                                                            4.016        --     
                                                                                            3.495        --     
                                                                                            2.928        --     
                                                                                            3.027        --     
                                                                                            2.788        --     
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13).....................  1.788        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017    1.683        
                                                                                           2016    1.671        
                                                                                           2015    1.699        
                                                                                           2014    1.819        
                                                                                           2013    1.723        
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 2018    4.277        
                                                                                           2017    3.752        
                                                                                           2016    3.113        
                                                                                           2015    3.271        
                                                                                           2014    3.133        
                                                                                           2013    2.980        
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 2018   11.285        
                                                                                           2017    9.341        
                                                                                           2016    8.415        
                                                                                           2015    8.368        
                                                                                           2014    7.426        
                                                                                           2013    7.130        
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 2018    1.327        
                                                                                           2017    1.189        
                                                                                           2016    1.098        
                                                                                           2015    1.109        
                                                                                           2014    1.029        
                                                                                           2013    1.003        
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)................................... 2018    3.783        
                                                                                           2017    3.225        
                                                                                           2016    2.837        
                                                                                           2015    2.858        
                                                                                           2014    2.595        
                                                                                           2013    2.476        
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)............................. 2018    3.887        
                                                                                           2017    3.378        
                                                                                           2016    2.863        
                                                                                           2015    2.864        
                                                                                           2014    2.881        
                                                                                           2013    2.774        
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)....................... 2018    3.950        
                                                                                           2017    2.977        
                                                                                           2016    2.950        
                                                                                           2015    2.686        
                                                                                           2014    2.483        
                                                                                           2013    2.383        
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)....................... 2018    4.915        
                                                                                           2017    4.035        
                                                                                           2016    3.641        
                                                                                           2015    3.575        
                                                                                           2014    3.373        
                                                                                           2013    3.227        
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A) (5/16). 2018   42.107        
   .                                                                                                            
                                                                                           2017   39.140        
                                                                                           2016   37.499        
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)............. 2018    2.279        
                                                                                           2017    2.249        
                                                                                           2016    2.234        
                                                                                           2015    2.234        
                                                                                           2014    2.186        
                                                                                           2013    2.192        
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................ 2018    1.502        
                                                                                           2017    1.348        
                                                                                           2016    1.032        
                                                                                           2015    1.107        
                                                                                           2014    1.052        
                                                                                           2013    1.005        
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13).................... 2018    9.654        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            2.089        --     
                                                                                            1.683        --     
                                                                                            1.671        --     
                                                                                            1.699        --     
                                                                                            1.819        --     
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13)..................  3.785        --     
                                                                                            4.277        --     
                                                                                            3.752        --     
                                                                                            3.113        --     
                                                                                            3.271        --     
                                                                                            3.133        --     
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 10.701        --     
                                                                                           11.285        --     
                                                                                            9.341        --     
                                                                                            8.415        --     
                                                                                            8.368        --     
                                                                                            7.426        --     
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................  1.243        --     
                                                                                            1.327        --     
                                                                                            1.189        --     
                                                                                            1.098        --     
                                                                                            1.109        --     
                                                                                            1.029        --     
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)...................................  3.383        --     
                                                                                            3.783        --     
                                                                                            3.225        --     
                                                                                            2.837        --     
                                                                                            2.858        --     
                                                                                            2.595        --     
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).............................  3.604        --     
                                                                                            3.887        --     
                                                                                            3.378        --     
                                                                                            2.863        --     
                                                                                            2.864        --     
                                                                                            2.881        --     
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).......................  3.881        --     
                                                                                            3.950        --     
                                                                                            2.977        --     
                                                                                            2.950        --     
                                                                                            2.686        --     
                                                                                            2.483        --     
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).......................  4.554        --     
                                                                                            4.915        --     
                                                                                            4.035        --     
                                                                                            3.641        --     
                                                                                            3.575        --     
                                                                                            3.373        --     
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A) (5/16). 40.265        --     
   .                                                                                                            
                                                                                           42.107        --     
                                                                                           39.140        --     
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).............  2.287        --     
                                                                                            2.279        --     
                                                                                            2.249        --     
                                                                                            2.234        --     
                                                                                            2.234        --     
                                                                                            2.186        --     
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................  1.243        --     
                                                                                            1.502        --     
                                                                                            1.348        --     
                                                                                            1.032        --     
                                                                                            1.107        --     
                                                                                            1.052        --     
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13)....................  8.958        --     

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                            
                                                                                              UNIT      UNIT     NUMBER OF 
                                                                                             VALUE      VALUE      UNITS   
                                                                                               AT        AT     OUTSTANDING
                                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                      YEAR    OF YEAR     YEAR    END OF YEAR
---------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                           
                                                                                   2017    7.987       9.654        --     
                                                                                   2016    7.459       7.987        --     
                                                                                   2015    7.473       7.459        --     
                                                                                   2014    6.733       7.473        --     
                                                                                   2013    6.454       6.733        --     
 Fidelity VIP Freedom 2020 Subaccount (5/15)...................................... 2018   20.696      19.321        --     
                                                                                   2017   17.908      20.696        --     
                                                                                   2016   17.028      17.908        --     
                                                                                   2015   17.878      17.028        --     
 Fidelity VIP Freedom 2025 Subaccount (5/15)...................................... 2018   22.053      20.435        --     
                                                                                   2017   18.870      22.053        --     
                                                                                   2016   17.912      18.870        --     
                                                                                   2015   18.880      17.912        --     
 Fidelity VIP Freedom 2030 Subaccount (5/15)...................................... 2018   22.473      20.539        --     
                                                                                   2017   18.732      22.473        --     
                                                                                   2016   17.715      18.732        --     
                                                                                   2015   18.798      17.715        --     
 Fidelity VIP Freedom 2040 Subaccount (5/15)...................................... 2018   29.789      26.613        --     
                                                                                   2017   24.305      29.789        --     
                                                                                   2016   22.954      24.305        --     
                                                                                   2015   24.428      22.954        --     
 Fidelity VIP Freedom 2050 Subaccount (5/15)...................................... 2018   30.439      27.192        --     
                                                                                   2017   24.835      30.439        --     
                                                                                   2016   23.446      24.835        --     
                                                                                   2015   24.971      23.446        --     
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 2018    8.834       7.484        --     
                                                                                   2017    7.373       8.834        --     
                                                                                   2016    6.627       7.373        --     
                                                                                   2015    6.777       6.627        --     
                                                                                   2014    6.430       6.777        --     
                                                                                   2013    6.127       6.430        --     
Franklin Templeton Variable Insurance Products Trust                                                                       
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 2018    1.947       1.629        --     
                                                                                   2017    1.395       1.947        --     
                                                                                   2016    1.195       1.395        --     
                                                                                   2015    1.495       1.195        --     
                                                                                   2014    1.642       1.495        --     
                                                                                   2013    1.599       1.642        --     
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 2018    4.921       4.136        --     
                                                                                   2017    4.243       4.921        --     
                                                                                   2016    3.982       4.243        --     
                                                                                   2015    4.285       3.982        --     
                                                                                   2014    4.850       4.285        --     
                                                                                   2013    4.621       4.850        --     
Janus Aspen Series                                                                                                         
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2018   10.525      10.392        --     
                                                                                   2017    8.332      10.525        --     
                                                                                   2016    7.477       8.332        --     
                                                                                   2015    7.249       7.477        --     
                                                                                   2014    6.497       7.249        --     
                                                                                   2013    6.243       6.497        --     
Legg Mason Partners Variable Equity Trust                                                                                  
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014    5.212       5.256        --     
                                                                                   2013    4.979       5.212        --     
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2018    8.077       7.888        --     
                                                                                   2017    6.797       8.077        --     
                                                                                   2016    6.229       6.797        --     
                                                                                   2015    6.168       6.229        --     
                                                                                   2014    5.591       6.168        --     
                                                                                   2013    5.358       5.591        --     
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2018    1.510       1.428        --     
                                                                                   2017    1.275       1.510        --     
                                                                                   2016    1.115       1.275        --     
                                                                                   2015    1.172       1.115        --     
                                                                                   2014    1.038       1.172        --     
                                                                                   2013    1.001       1.038        --     

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.60% (CONTINUED)                           
                                                                                             UNIT      UNIT     NUMBER OF 
                                                                                            VALUE      VALUE      UNITS   
                                                                                              AT        AT     OUTSTANDING
                                                                                          BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                     YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                          
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)....... 2018   4.092       4.068    --          
                                                                                  2017   3.274       4.092    --          
                                                                                  2016   3.066       3.274    --          
                                                                                  2015   2.810       3.066    --          
                                                                                  2014   2.480       2.810    --          
                                                                                  2013   2.364       2.480    --          
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)....... 2018   4.246       4.365    --          
                                                                                  2017   3.437       4.246    --          
                                                                                  2016   3.268       3.437    --          
                                                                                  2015   3.438       3.268    --          
                                                                                  2014   3.324       3.438    --          
                                                                                  2013   3.122       3.324    --          
Legg Mason Partners Variable Income Trust                                                                                 
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)........................... 2018   3.613       3.511    --          
                                                                                  2017   3.437       3.613    --          
                                                                                  2016   3.307       3.437    --          
                                                                                  2015   3.288       3.307    --          
                                                                                  2014   3.318       3.288    --          
                                                                                  2013   3.309       3.318    --          
Trust for Advised Portfolios                                                                                              
 1919 Variable Socially Responsive Balanced Subaccount (12/13)................... 2018   5.881       5.791    --          
                                                                                  2017   5.068       5.881    --          
                                                                                  2016   4.799       5.068    --          
                                                                                  2015   4.912       4.799    --          
                                                                                  2014   4.521       4.912    --          
                                                                                  2013   4.381       4.521    --          

                                                        [Enlarge/Download Table]

                              GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80%                              
                                                                                       UNIT      UNIT     NUMBER OF 
                                                                                      VALUE      VALUE      UNITS   
                                                                                        AT        AT     OUTSTANDING
                                                                                    BEGINNING   END OF       AT     
PORTFOLIO NAME                                                               YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                    
American Funds Insurance Series(Reg. TM)                                                                            
 American Funds Global Growth Subaccount (Class 2) (12/13)................. 2018    5.904       5.327        --     
                                                                            2017    4.527       5.904        --     
                                                                            2016    4.535       4.527        --     
                                                                            2015    4.275       4.535        --     
                                                                            2014    4.212       4.275        --     
                                                                            2013    4.016       4.212        --     
 American Funds Growth Subaccount (Class 2) (12/13)........................ 2018   41.714      41.277        --     
                                                                            2017   32.775      41.714        --     
                                                                            2016   30.175      32.775        --     
                                                                            2015   28.466      30.175        --     
                                                                            2014   26.444      28.466        --     
                                                                            2013   25.361      26.444        --     
 American Funds Growth-Income Subaccount (Class 2) (12/13)................. 2018   27.417      26.712        --     
                                                                            2017   22.582      27.417        --     
                                                                            2016   20.412      22.582        --     
                                                                            2015   20.281      20.412        --     
                                                                            2014   18.479      20.281        --     
                                                                            2013   17.722      18.479        --     
Brighthouse Funds Trust I                                                                                           
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)................... 2018    3.590       3.469        --     
                                                                            2017    3.348       3.590        --     
                                                                            2016    2.954       3.348        --     
                                                                            2015    3.093       2.954        --     
                                                                            2014    3.015       3.093        --     
                                                                            2013    2.993       3.015        --     
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)....... 2018    2.238       1.996        --     
                                                                            2017    1.835       2.238        --     
                                                                            2016    1.697       1.835        --     
                                                                            2015    1.746       1.697        --     
                                                                            2014    1.675       1.746        --     
                                                                            2013    1.605       1.675        --     
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)............ 2018    3.547       2.983        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017    3.201        
                                                                                           2016    2.458        
                                                                                           2015    2.620        
                                                                                           2014    2.596        
                                                                                           2013    2.495        
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......... 2018    1.333        
                                                                                           2017    1.045        
                                                                                           2016    0.942        
                                                                                           2015    1.100        
                                                                                           2014    1.182        
                                                                                           2013    1.163        
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)............. 2018    2.324        
                                                                                           2017    1.921        
                                                                                           2016    1.788        
                                                                                           2015    1.726        
                                                                                           2014    1.531        
                                                                                           2013    1.464        
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................ 2018    2.230        
                                                                                           2017    2.026        
                                                                                           2016    2.019        
                                                                                           2015    2.060        
                                                                                           2014    1.827        
                                                                                           2013    1.772        
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 2014   40.459        
                                                                                           2013   38.501        
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................... 2018    1.874        
                                                                                           2017    1.595        
                                                                                           2016    1.566        
                                                                                           2015    1.645        
                                                                                           2014    1.395        
                                                                                           2013    1.328        
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 2018    1.660        
                                                                                           2017    1.432        
                                                                                           2016    1.339        
                                                                                           2015    1.360        
                                                                                           2014    1.292        
                                                                                           2013    1.258        
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 2018    1.747        
                                                                                           2017    1.451        
                                                                                           2016    1.343        
                                                                                           2015    1.364        
                                                                                           2014    1.292        
                                                                                           2013    1.247        
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 2018    1.563        
                                                                                           2017    1.395        
                                                                                           2016    1.314        
                                                                                           2015    1.334        
                                                                                           2014    1.268        
                                                                                           2013    1.242        
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2018    3.483        
                                                                                           2017    2.684        
                                                                                           2016    2.496        
                                                                                           2015    2.629        
                                                                                           2014    2.805        
                                                                                           2013    2.671        
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 2018    1.458        
                                                                                           2017    1.245        
                                                                                           2016    1.070        
                                                                                           2015    1.147        
                                                                                           2014    1.058        
                                                                                           2013    1.011        
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 2018    4.002        
                                                                                           2017    3.212        
                                                                                           2016    2.898        
                                                                                           2015    2.963        
                                                                                           2014    2.761        
                                                                                           2013    2.637        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            3.547        --     
                                                                                            3.201        --     
                                                                                            2.458        --     
                                                                                            2.620        --     
                                                                                            2.596        --     
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)..........  1.138        --     
                                                                                            1.333        --     
                                                                                            1.045        --     
                                                                                            0.942        --     
                                                                                            1.100        --     
                                                                                            1.182        --     
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).............  2.160        --     
                                                                                            2.324        --     
                                                                                            1.921        --     
                                                                                            1.788        --     
                                                                                            1.726        --     
                                                                                            1.531        --     
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................  2.028        --     
                                                                                            2.230        --     
                                                                                            2.026        --     
                                                                                            2.019        --     
                                                                                            2.060        --     
                                                                                            1.827        --     
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 42.241        --     
                                                                                           40.459        --     
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13).........................  1.728        --     
                                                                                            1.874        --     
                                                                                            1.595        --     
                                                                                            1.566        --     
                                                                                            1.645        --     
                                                                                            1.395        --     
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13).....  1.576        --     
                                                                                            1.660        --     
                                                                                            1.432        --     
                                                                                            1.339        --     
                                                                                            1.360        --     
                                                                                            1.292        --     
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13).......  1.633        --     
                                                                                            1.747        --     
                                                                                            1.451        --     
                                                                                            1.343        --     
                                                                                            1.364        --     
                                                                                            1.292        --     
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13).....  1.498        --     
                                                                                            1.563        --     
                                                                                            1.395        --     
                                                                                            1.314        --     
                                                                                            1.334        --     
                                                                                            1.268        --     
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13)..........................  2.635        --     
                                                                                            3.483        --     
                                                                                            2.684        --     
                                                                                            2.496        --     
                                                                                            2.629        --     
                                                                                            2.805        --     
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)......................................  1.270        --     
                                                                                            1.458        --     
                                                                                            1.245        --     
                                                                                            1.070        --     
                                                                                            1.147        --     
                                                                                            1.058        --     
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13)..............................  3.622        --     
                                                                                            4.002        --     
                                                                                            3.212        --     
                                                                                            2.898        --     
                                                                                            2.963        --     
                                                                                            2.761        --     

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                           
                                                                                             UNIT      UNIT     NUMBER OF 
                                                                                            VALUE      VALUE      UNITS   
                                                                                              AT        AT     OUTSTANDING
                                                                                          BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                     YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                          
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13)..................... 2018    2.655       2.272   --          
                                                                                  2017    2.583       2.655   --          
                                                                                  2016    1.990       2.583   --          
                                                                                  2015    2.163       1.990   --          
                                                                                  2014    2.083       2.163   --          
                                                                                  2013    1.995       2.083   --          
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)................... 2016    3.334       3.444   --          
                                                                                  2015    3.425       3.334   --          
                                                                                  2014    3.285       3.425   --          
                                                                                  2013    3.259       3.285   --          
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)............ 2018    1.433       1.320   --          
                                                                                  2017    1.250       1.433   --          
                                                                                  2016    1.208       1.250   --          
                                                                                  2015    1.232       1.208   --          
                                                                                  2014    1.137       1.232   --          
                                                                                  2013    1.109       1.137   --          
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13).......... 2018    2.100       1.792   --          
                                                                                  2017    1.652       2.100   --          
                                                                                  2016    1.680       1.652   --          
                                                                                  2015    1.724       1.680   --          
                                                                                  2014    1.868       1.724   --          
                                                                                  2013    1.785       1.868   --          
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13).................... 2018    1.462       1.260   --          
                                                                                  2017    1.078       1.462   --          
                                                                                  2016    1.085       1.078   --          
                                                                                  2015    1.053       1.085   --          
                                                                                  2014    1.040       1.053   --          
                                                                                  2013    0.992       1.040   --          
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)............... 2018    1.029       0.999   --          
                                                                                  2017    0.999       1.029   --          
                                                                                  2016    0.958       0.999   --          
                                                                                  2015    0.994       0.958   --          
                                                                                  2014    0.971       0.994   --          
                                                                                  2013    0.978       0.971   --          
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)........................... 2018    2.031       2.010   --          
                                                                                  2017    1.959       2.031   --          
                                                                                  2016    1.924       1.959   --          
                                                                                  2015    1.940       1.924   --          
                                                                                  2014    1.877       1.940   --          
                                                                                  2013    1.884       1.877   --          
 BHFTI Pioneer Fund Subaccount (Class A) (12/13)................................. 2016    3.141       3.168   --          
                                                                                  2015    3.165       3.141   --          
                                                                                  2014    2.870       3.165   --          
                                                                                  2013    2.762       2.870   --          
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)..................... 2016    3.256       3.346   --          
                                                                                  2015    3.325       3.256   --          
                                                                                  2014    3.205       3.325   --          
                                                                                  2013    3.195       3.205   --          
 BHFTI Schroders Global Multi-Asset Portfolio Subaccount (Class B) (12/13)....... 2018    1.367       1.310   --          
                                                                                  2017    1.183       1.367   --          
                                                                                  2016    1.140       1.183   --          
                                                                                  2015    1.164       1.140   --          
                                                                                  2014    1.080       1.164   --          
                                                                                  2013    1.054       1.080   --          
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................ 2018   11.450      10.318   --          
                                                                                  2017    9.869      11.450   --          
                                                                                  2016    8.580       9.869   --          
                                                                                  2015    8.971       8.580   --          
                                                                                  2014    7.983       8.971   --          
                                                                                  2013    7.691       7.983   --          
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)............... 2018    4.769       4.251   --          
                                                                                  2017    4.391       4.769   --          
                                                                                  2016    3.832       4.391   --          
                                                                                  2015    4.244       3.832   --          
                                                                                  2014    3.902       4.244   --          
                                                                                  2013    3.742       3.902   --          
Brighthouse Funds Trust II                                                                                                

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)................................ 2018    8.289        
                                                                                           2017    8.026        
                                                                                           2016    7.846        
                                                                                           2015    7.862        
                                                                                           2014    7.401        
                                                                                           2013    7.413        
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13)....................... 2018    7.430        
                                                                                           2017    5.592        
                                                                                           2016    5.632        
                                                                                           2015    5.342        
                                                                                           2014    4.945        
                                                                                           2013    4.704        
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)............................ 2018    2.198        
                                                                                           2017    2.064        
                                                                                           2016    1.762        
                                                                                           2015    1.893        
                                                                                           2014    1.740        
                                                                                           2013    1.673        
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)...................... 2018    2.790        
                                                                                           2017    2.788        
                                                                                           2016    2.801        
                                                                                           2015    2.823        
                                                                                           2014    2.846        
                                                                                           2013    2.847        
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)...................... 2018    1.643        
                                                                                           2017    1.549        
                                                                                           2016    1.494        
                                                                                           2015    1.514        
                                                                                           2014    1.461        
                                                                                           2013    1.451        
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)...................... 2018    1.811        
                                                                                           2017    1.650        
                                                                                           2016    1.568        
                                                                                           2015    1.598        
                                                                                           2014    1.535        
                                                                                           2013    1.509        
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)...................... 2018    1.964        
                                                                                           2017    1.725        
                                                                                           2016    1.624        
                                                                                           2015    1.658        
                                                                                           2014    1.591        
                                                                                           2013    1.548        
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)...................... 2018    2.099        
                                                                                           2017    1.775        
                                                                                           2016    1.655        
                                                                                           2015    1.697        
                                                                                           2014    1.626        
                                                                                           2013    1.569        
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 2018    9.227        
                                                                                           2017    8.078        
                                                                                           2016    7.611        
                                                                                           2015    7.479        
                                                                                           2014    6.820        
                                                                                           2013    6.620        
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 2018    7.498        
                                                                                           2017    6.347        
                                                                                           2016    5.960        
                                                                                           2015    5.868        
                                                                                           2014    5.346        
                                                                                           2013    5.112        
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 2018   10.792        
                                                                                           2017    8.693        
                                                                                           2016    8.323        
                                                                                           2015    8.163        
                                                                                           2014    7.409        
                                                                                           2013    7.136        
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 2018    1.711        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)................................  8.193        --     
                                                                                            8.289        --     
                                                                                            8.026        --     
                                                                                            7.846        --     
                                                                                            7.862        --     
                                                                                            7.401        --     
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).......................  7.549        --     
                                                                                            7.430        --     
                                                                                            5.592        --     
                                                                                            5.632        --     
                                                                                            5.342        --     
                                                                                            4.945        --     
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)............................  2.124        --     
                                                                                            2.198        --     
                                                                                            2.064        --     
                                                                                            1.762        --     
                                                                                            1.893        --     
                                                                                            1.740        --     
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)......................  2.818        --     
                                                                                            2.790        --     
                                                                                            2.788        --     
                                                                                            2.801        --     
                                                                                            2.823        --     
                                                                                            2.846        --     
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)......................  1.587        --     
                                                                                            1.643        --     
                                                                                            1.549        --     
                                                                                            1.494        --     
                                                                                            1.514        --     
                                                                                            1.461        --     
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)......................  1.718        --     
                                                                                            1.811        --     
                                                                                            1.650        --     
                                                                                            1.568        --     
                                                                                            1.598        --     
                                                                                            1.535        --     
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)......................  1.829        --     
                                                                                            1.964        --     
                                                                                            1.725        --     
                                                                                            1.624        --     
                                                                                            1.658        --     
                                                                                            1.591        --     
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)......................  1.913        --     
                                                                                            2.099        --     
                                                                                            1.775        --     
                                                                                            1.655        --     
                                                                                            1.697        --     
                                                                                            1.626        --     
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)......................  8.809        --     
                                                                                            9.227        --     
                                                                                            8.078        --     
                                                                                            7.611        --     
                                                                                            7.479        --     
                                                                                            6.820        --     
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13).....  7.431        --     
                                                                                            7.498        --     
                                                                                            6.347        --     
                                                                                            5.960        --     
                                                                                            5.868        --     
                                                                                            5.346        --     
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 10.089        --     
                                                                                           10.792        --     
                                                                                            8.693        --     
                                                                                            8.323        --     
                                                                                            8.163        --     
                                                                                            7.409        --     
 BHFTII Jennison Growth Subaccount (Class A) (12/13)......................................  1.704        --     

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017    1.256        
                                                                                           2016    1.264        
                                                                                           2015    1.150        
                                                                                           2014    1.063        
                                                                                           2013    1.018        
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 2018    2.005        
                                                                                           2017    1.958        
                                                                                           2016    1.928        
                                                                                           2015    1.939        
                                                                                           2014    1.847        
                                                                                           2013    1.851        
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 2018    3.878        
                                                                                           2017    3.382        
                                                                                           2016    2.839        
                                                                                           2015    2.940        
                                                                                           2014    2.714        
                                                                                           2013    2.607        
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 2018    2.011        
                                                                                           2017    1.623        
                                                                                           2016    1.614        
                                                                                           2015    1.645        
                                                                                           2014    1.764        
                                                                                           2013    1.672        
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 2018    4.116        
                                                                                           2017    3.619        
                                                                                           2016    3.008        
                                                                                           2015    3.167        
                                                                                           2014    3.039        
                                                                                           2013    2.892        
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 2018   10.677        
                                                                                           2017    8.855        
                                                                                           2016    7.993        
                                                                                           2015    7.965        
                                                                                           2014    7.082        
                                                                                           2013    6.801        
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 2018    1.316        
                                                                                           2017    1.182        
                                                                                           2016    1.093        
                                                                                           2015    1.106        
                                                                                           2014    1.028        
                                                                                           2013    1.002        
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)................................... 2018    3.639        
                                                                                           2017    3.109        
                                                                                           2016    2.739        
                                                                                           2015    2.765        
                                                                                           2014    2.516        
                                                                                           2013    2.401        
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)............................. 2018    3.753        
                                                                                           2017    3.268        
                                                                                           2016    2.776        
                                                                                           2015    2.782        
                                                                                           2014    2.804        
                                                                                           2013    2.700        
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)....................... 2018    3.802        
                                                                                           2017    2.871        
                                                                                           2016    2.851        
                                                                                           2015    2.600        
                                                                                           2014    2.409        
                                                                                           2013    2.312        
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)....................... 2018    4.714        
                                                                                           2017    3.878        
                                                                                           2016    3.507        
                                                                                           2015    3.450        
                                                                                           2014    3.261        
                                                                                           2013    3.120        
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A) (5/16). 2018   40.201        
   .                                                                                                            


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            1.711   --          
                                                                                            1.256   --          
                                                                                            1.264   --          
                                                                                            1.150   --          
                                                                                            1.063   --          
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13).........................  1.986   --          
                                                                                            2.005   --          
                                                                                            1.958   --          
                                                                                            1.928   --          
                                                                                            1.939   --          
                                                                                            1.847   --          
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)..........................  3.402   --          
                                                                                            3.878   --          
                                                                                            3.382   --          
                                                                                            2.839   --          
                                                                                            2.940   --          
                                                                                            2.714   --          
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13).....................  1.717   --          
                                                                                            2.011   --          
                                                                                            1.623   --          
                                                                                            1.614   --          
                                                                                            1.645   --          
                                                                                            1.764   --          
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13)..................  3.636   --          
                                                                                            4.116   --          
                                                                                            3.619   --          
                                                                                            3.008   --          
                                                                                            3.167   --          
                                                                                            3.039   --          
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 10.104   --          
                                                                                           10.677   --          
                                                                                            8.855   --          
                                                                                            7.993   --          
                                                                                            7.965   --          
                                                                                            7.082   --          
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................  1.230   --          
                                                                                            1.316   --          
                                                                                            1.182   --          
                                                                                            1.093   --          
                                                                                            1.106   --          
                                                                                            1.028   --          
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)...................................  3.247   --          
                                                                                            3.639   --          
                                                                                            3.109   --          
                                                                                            2.739   --          
                                                                                            2.765   --          
                                                                                            2.516   --          
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).............................  3.473   --          
                                                                                            3.753   --          
                                                                                            3.268   --          
                                                                                            2.776   --          
                                                                                            2.782   --          
                                                                                            2.804   --          
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).......................  3.728   --          
                                                                                            3.802   --          
                                                                                            2.871   --          
                                                                                            2.851   --          
                                                                                            2.600   --          
                                                                                            2.409   --          
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).......................  4.359   --          
                                                                                            4.714   --          
                                                                                            3.878   --          
                                                                                            3.507   --          
                                                                                            3.450   --          
                                                                                            3.261   --          
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A) (5/16). 38.364   --          
   .                                                                                                            

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                            GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                             
                                                                                                UNIT      UNIT     NUMBER OF 
                                                                                               VALUE      VALUE      UNITS   
                                                                                                 AT        AT     OUTSTANDING
                                                                                             BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                        YEAR    OF YEAR     YEAR    END OF YEAR
------------------------------------------------------------------------------------ ------ ----------- -------- ------------
                                                                                                                             
                                                                                     2017   37.442      40.201        --     
                                                                                     2016   35.920      37.442        --     
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)....... 2018    2.175       2.179        --     
                                                                                     2017    2.151       2.175        --     
                                                                                     2016    2.141       2.151        --     
                                                                                     2015    2.146       2.141        --     
                                                                                     2014    2.104       2.146        --     
                                                                                     2013    2.110       2.104        --     
Delaware VIP Trust                                                                                                           
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13).......... 2018    1.489       1.230        --     
                                                                                     2017    1.340       1.489        --     
                                                                                     2016    1.028       1.340        --     
                                                                                     2015    1.105       1.028        --     
                                                                                     2014    1.052       1.105        --     
                                                                                     2013    1.005       1.052        --     
Fidelity(Reg. TM) Variable Insurance Products                                                                                
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13).............. 2018    9.220       8.539        --     
                                                                                     2017    7.643       9.220        --     
                                                                                     2016    7.152       7.643        --     
                                                                                     2015    7.180       7.152        --     
                                                                                     2014    6.482       7.180        --     
                                                                                     2013    6.214       6.482        --     
 Fidelity VIP Freedom 2020 Subaccount (5/15)........................................ 2018   20.177      18.799        --     
                                                                                     2017   17.494      20.177        --     
                                                                                     2016   16.668      17.494        --     
                                                                                     2015   17.523      16.668        --     
 Fidelity VIP Freedom 2025 Subaccount (5/15)........................................ 2018   21.501      19.883        --     
                                                                                     2017   18.434      21.501        --     
                                                                                     2016   17.533      18.434        --     
                                                                                     2015   18.505      17.533        --     
 Fidelity VIP Freedom 2030 Subaccount (5/15)........................................ 2018   21.910      19.984        --     
                                                                                     2017   18.299      21.910        --     
                                                                                     2016   17.341      18.299        --     
                                                                                     2015   18.425      17.341        --     
 Fidelity VIP Freedom 2040 Subaccount (5/15)........................................ 2018   29.273      26.100        --     
                                                                                     2017   23.933      29.273        --     
                                                                                     2016   22.647      23.933        --     
                                                                                     2015   24.134      22.647        --     
 Fidelity VIP Freedom 2050 Subaccount (5/15)........................................ 2018   29.912      26.668        --     
                                                                                     2017   24.454      29.912        --     
                                                                                     2016   23.133      24.454        --     
                                                                                     2015   24.670      23.133        --     
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13).......................... 2018    8.505       7.190        --     
                                                                                     2017    7.112       8.505        --     
                                                                                     2016    6.406       7.112        --     
                                                                                     2015    6.564       6.406        --     
                                                                                     2014    6.240       6.564        --     
                                                                                     2013    5.946       6.240        --     
Franklin Templeton Variable Insurance Products Trust                                                                         
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............... 2018    1.863       1.556        --     
                                                                                     2017    1.338       1.863        --     
                                                                                     2016    1.148       1.338        --     
                                                                                     2015    1.440       1.148        --     
                                                                                     2014    1.584       1.440        --     
                                                                                     2013    1.543       1.584        --     
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13).......................... 2018    4.675       3.921        --     
                                                                                     2017    4.038       4.675        --     
                                                                                     2016    3.798       4.038        --     
                                                                                     2015    4.095       3.798        --     
                                                                                     2014    4.644       4.095        --     
                                                                                     2013    4.425       4.644        --     
Janus Aspen Series                                                                                                           
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)..................... 2018   10.026       9.879        --     

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.80% (CONTINUED)                            
                                                                                              UNIT      UNIT     NUMBER OF 
                                                                                             VALUE      VALUE      UNITS   
                                                                                               AT        AT     OUTSTANDING
                                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                      YEAR    OF YEAR     YEAR    END OF YEAR
---------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                           
                                                                                   2017   7.952       10.026        --     
                                                                                   2016   7.150       7.952         --     
                                                                                   2015   6.946       7.150         --     
                                                                                   2014   6.238       6.946         --     
                                                                                   2013   5.995       6.238         --     
Legg Mason Partners Variable Equity Trust                                                                                  
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014   5.007       5.046         --     
                                                                                   2013   4.783       5.007         --     
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2018   7.665       7.471         --     
                                                                                   2017   6.463       7.665         --     
                                                                                   2016   5.935       6.463         --     
                                                                                   2015   5.889       5.935         --     
                                                                                   2014   5.348       5.889         --     
                                                                                   2013   5.126       5.348         --     
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2018   1.497       1.413         --     
                                                                                   2017   1.267       1.497         --     
                                                                                   2016   1.110       1.267         --     
                                                                                   2015   1.170       1.110         --     
                                                                                   2014   1.038       1.170         --     
                                                                                   2013   1.001       1.038         --     
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2018   3.934       3.904         --     
                                                                                   2017   3.153       3.934         --     
                                                                                   2016   2.960       3.153         --     
                                                                                   2015   2.718       2.960         --     
                                                                                   2014   2.403       2.718         --     
                                                                                   2013   2.291       2.403         --     
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2018   4.094       4.201         --     
                                                                                   2017   3.321       4.094         --     
                                                                                   2016   3.164       3.321         --     
                                                                                   2015   3.336       3.164         --     
                                                                                   2014   3.231       3.336         --     
                                                                                   2013   3.035       3.231         --     
Legg Mason Partners Variable Income Trust                                                                                  
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2018   3.447       3.343         --     
                                                                                   2017   3.285       3.447         --     
                                                                                   2016   3.168       3.285         --     
                                                                                   2015   3.155       3.168         --     
                                                                                   2014   3.191       3.155         --     
                                                                                   2013   3.182       3.191         --     
Trust for Advised Portfolios                                                                                               
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 2018   5.588       5.491         --     
                                                                                   2017   4.825       5.588         --     
                                                                                   2016   4.578       4.825         --     
                                                                                   2015   4.695       4.578         --     
                                                                                   2014   4.330       4.695         --     
                                                                                   2013   4.196       4.330         --     

                                                        [Enlarge/Download Table]

                         GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90%                          
                                                                              UNIT      UNIT     NUMBER OF 
                                                                             VALUE      VALUE      UNITS   
                                                                               AT        AT     OUTSTANDING
                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                      YEAR    OF YEAR     YEAR    END OF YEAR
------------------------------------------------------------------ ------ ----------- -------- ------------
                                                                                                           
American Funds Insurance Series(Reg. TM)                                                                   
 American Funds Global Growth Subaccount (Class 2) (12/13)........ 2018    5.783       5.213       48,260  
                                                                   2017    4.438       5.783       64,628  
                                                                   2016    4.451       4.438      124,565  
                                                                   2015    4.200       4.451           --  
                                                                   2014    4.142       4.200           --  
                                                                   2013    3.950       4.142           --  
 American Funds Growth Subaccount (Class 2) (12/13)............... 2018   40.323      39.861        4,932  
                                                                   2017   31.714      40.323        8,419  
                                                                   2016   29.228      31.714       11,448  
                                                                   2015   27.599      29.228           --  
                                                                   2014   25.665      27.599           --  
                                                                   2013   24.614      25.665           --  

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
 American Funds Growth-Income Subaccount (Class 2) (12/13)................................ 2018   26.503        
                                                                                           2017   21.851        
                                                                                           2016   19.771        
                                                                                           2015   19.664        
                                                                                           2014   17.934        
                                                                                           2013   17.201        
Brighthouse Funds Trust I                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13).................................. 2018    3.514        
                                                                                           2017    3.281        
                                                                                           2016    2.897        
                                                                                           2015    3.037        
                                                                                           2014    2.963        
                                                                                           2013    2.941        
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)...................... 2018    2.208        
                                                                                           2017    1.813        
                                                                                           2016    1.678        
                                                                                           2015    1.728        
                                                                                           2014    1.659        
                                                                                           2013    1.591        
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................... 2018    3.492        
                                                                                           2017    3.154        
                                                                                           2016    2.425        
                                                                                           2015    2.587        
                                                                                           2014    2.566        
                                                                                           2013    2.466        
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......... 2018    1.317        
                                                                                           2017    1.034        
                                                                                           2016    0.933        
                                                                                           2015    1.090        
                                                                                           2014    1.173        
                                                                                           2013    1.154        
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)............. 2018    2.278        
                                                                                           2017    1.885        
                                                                                           2016    1.757        
                                                                                           2015    1.697        
                                                                                           2014    1.507        
                                                                                           2013    1.442        
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................ 2018    2.200        
                                                                                           2017    2.000        
                                                                                           2016    1.995        
                                                                                           2015    2.039        
                                                                                           2014    1.809        
                                                                                           2013    1.755        
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 2014   39.192        
                                                                                           2013   37.298        
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................... 2018    1.842        
                                                                                           2017    1.570        
                                                                                           2016    1.543        
                                                                                           2015    1.622        
                                                                                           2014    1.377        
                                                                                           2013    1.311        
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 2018    1.644        
                                                                                           2017    1.420        
                                                                                           2016    1.329        
                                                                                           2015    1.351        
                                                                                           2014    1.285        
                                                                                           2013    1.251        
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 2018    1.730        
                                                                                           2017    1.439        
                                                                                           2016    1.332        
                                                                                           2015    1.355        
                                                                                           2014    1.285        
                                                                                           2013    1.240        
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 2018    1.548        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
 American Funds Growth-Income Subaccount (Class 2) (12/13)................................ 25.795        8,481  
                                                                                           26.503        9,303  
                                                                                           21.851       12,339  
                                                                                           19.771           --  
                                                                                           19.664           --  
                                                                                           17.934           --  
Brighthouse Funds Trust I                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)..................................  3.392        9,230  
                                                                                            3.514       10,511  
                                                                                            3.281       18,026  
                                                                                            2.897           --  
                                                                                            3.037           --  
                                                                                            2.963           --  
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)......................  1.968      126,526  
                                                                                            2.208      126,714  
                                                                                            1.813       93,606  
                                                                                            1.678           --  
                                                                                            1.728           --  
                                                                                            1.659           --  
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)...........................  2.933       22,710  
                                                                                            3.492       23,203  
                                                                                            3.154       34,759  
                                                                                            2.425           --  
                                                                                            2.587           --  
                                                                                            2.566           --  
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)..........  1.124       29,784  
                                                                                            1.317       25,216  
                                                                                            1.034       61,878  
                                                                                            0.933           --  
                                                                                            1.090           --  
                                                                                            1.173           --  
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).............  2.116       10,406  
                                                                                            2.278       14,528  
                                                                                            1.885       19,193  
                                                                                            1.757           --  
                                                                                            1.697           --  
                                                                                            1.507           --  
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................  1.998       50,314  
                                                                                            2.200       63,045  
                                                                                            2.000      102,532  
                                                                                            1.995           --  
                                                                                            2.039           --  
                                                                                            1.809           --  
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 40.906           --  
                                                                                           39.192           --  
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13).........................  1.697       59,405  
                                                                                            1.842       60,995  
                                                                                            1.570       90,756  
                                                                                            1.543           --  
                                                                                            1.622           --  
                                                                                            1.377           --  
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13).....  1.559      181,979  
                                                                                            1.644      169,160  
                                                                                            1.420      426,894  
                                                                                            1.329       35,516  
                                                                                            1.351           --  
                                                                                            1.285           --  
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13).......  1.616       60,767  
                                                                                            1.730       68,497  
                                                                                            1.439       57,754  
                                                                                            1.332        3,262  
                                                                                            1.355           --  
                                                                                            1.285           --  
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13).....  1.482       62,992  

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                         GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                          
                                                                                          UNIT      UNIT     NUMBER OF 
                                                                                         VALUE      VALUE      UNITS   
                                                                                           AT        AT     OUTSTANDING
                                                                                       BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                  YEAR    OF YEAR     YEAR    END OF YEAR
------------------------------------------------------------------------------ ------ ----------- -------- ------------
                                                                                                                       
                                                                               2017   1.383       1.548        59,211  
                                                                               2016   1.304       1.383       431,807  
                                                                               2015   1.325       1.304            --  
                                                                               2014   1.261       1.325            --  
                                                                               2013   1.235       1.261            --  
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).............. 2018   3.427       2.590        38,370  
                                                                               2017   2.644       3.427        40,008  
                                                                               2016   2.461       2.644        67,122  
                                                                               2015   2.595       2.461            --  
                                                                               2014   2.772       2.595            --  
                                                                               2013   2.639       2.772            --  
 BHFTI Invesco Comstock Subaccount (Class B) (12/13).......................... 2018   1.452       1.264         4,613  
                                                                               2017   1.241       1.452         8,754  
                                                                               2016   1.068       1.241         6,729  
                                                                               2015   1.146       1.068            --  
                                                                               2014   1.058       1.146            --  
                                                                               2013   1.011       1.058            --  
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).................. 2018   3.938       3.560        12,345  
                                                                               2017   3.163       3.938        13,324  
                                                                               2016   2.857       3.163        36,779  
                                                                               2015   2.924       2.857            --  
                                                                               2014   2.728       2.924            --  
                                                                               2013   2.605       2.728            --  
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).................. 2018   2.622       2.241        23,936  
                                                                               2017   2.553       2.622        23,995  
                                                                               2016   1.969       2.553        39,002  
                                                                               2015   2.142       1.969            54  
                                                                               2014   2.065       2.142            --  
                                                                               2013   1.978       2.065            --  
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)................ 2016   3.269       3.376            --  
                                                                               2015   3.362       3.269            --  
                                                                               2014   3.227       3.362            --  
                                                                               2013   3.202       3.227            --  
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)......... 2018   1.426       1.311        71,674  
                                                                               2017   1.245       1.426        95,480  
                                                                               2016   1.204       1.245       116,361  
                                                                               2015   1.230       1.204            --  
                                                                               2014   1.136       1.230            --  
                                                                               2013   1.108       1.136            --  
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)....... 2018   2.065       1.760        88,631  
                                                                               2017   1.626       2.065        94,757  
                                                                               2016   1.655       1.626        78,272  
                                                                               2015   1.700       1.655            --  
                                                                               2014   1.844       1.700            --  
                                                                               2013   1.763       1.844            --  
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)................. 2018   1.456       1.254       293,189  
                                                                               2017   1.075       1.456       311,269  
                                                                               2016   1.082       1.075       651,260  
                                                                               2015   1.051       1.082            --  
                                                                               2014   1.040       1.051            --  
                                                                               2013   0.992       1.040            --  
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)............ 2018   1.025       0.994       137,250  
                                                                               2017   0.996       1.025       140,772  
                                                                               2016   0.956       0.996       160,664  
                                                                               2015   0.993       0.956            --  
                                                                               2014   0.971       0.993            --  
                                                                               2013   0.977       0.971            --  
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)........................ 2018   1.997       1.974       195,391  
                                                                               2017   1.928       1.997       258,828  
                                                                               2016   1.896       1.928       685,385  
                                                                               2015   1.913       1.896            --  
                                                                               2014   1.853       1.913            --  
                                                                               2013   1.860       1.853            --  
 BHFTI Pioneer Fund Subaccount (Class A) (12/13).............................. 2016   3.073       3.098            --  
                                                                               2015   3.099       3.073            --  
                                                                               2014   2.813       3.099            --  
                                                                               2013   2.707       2.813            --  

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                           
                                                                                             UNIT      UNIT     NUMBER OF 
                                                                                            VALUE      VALUE      UNITS   
                                                                                              AT        AT     OUTSTANDING
                                                                                          BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                     YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                          
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)..................... 2016    3.186       3.274           --  
                                                                                  2015    3.257       3.186           --  
                                                                                  2014    3.143       3.257           --  
                                                                                  2013    3.133       3.143           --  
 BHFTI Schroders Global Multi-Asset Portfolio Subaccount (Class B) (12/13)....... 2018    1.360       1.303           --  
                                                                                  2017    1.178       1.360       37,232  
                                                                                  2016    1.137       1.178       59,534  
                                                                                  2015    1.162       1.137           --  
                                                                                  2014    1.079       1.162           --  
                                                                                  2013    1.053       1.079           --  
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................ 2018   11.133      10.022       18,456  
                                                                                  2017    9.606      11.133       19,418  
                                                                                  2016    8.360       9.606       19,269  
                                                                                  2015    8.749       8.360           --  
                                                                                  2014    7.793       8.749           --  
                                                                                  2013    7.509       7.793           --  
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)............... 2018    4.673       4.161       42,887  
                                                                                  2017    4.307       4.673       48,985  
                                                                                  2016    3.762       4.307      105,029  
                                                                                  2015    4.171       3.762           --  
                                                                                  2014    3.839       4.171           --  
                                                                                  2013    3.681       3.839           --  
Brighthouse Funds Trust II                                                                                                
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)....................... 2018    8.009       7.909       34,940  
                                                                                  2017    7.763       8.009       43,252  
                                                                                  2016    7.596       7.763      112,072  
                                                                                  2015    7.619       7.596           --  
                                                                                  2014    7.180       7.619           --  
                                                                                  2013    7.191       7.180           --  
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).............. 2018    7.260       7.369       24,863  
                                                                                  2017    5.470       7.260       15,528  
                                                                                  2016    5.514       5.470       23,233  
                                                                                  2015    5.235       5.514           --  
                                                                                  2014    4.851       5.235           --  
                                                                                  2013    4.615       4.851           --  
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)................... 2018    2.164       2.091           --  
                                                                                  2017    2.034       2.164       87,058  
                                                                                  2016    1.738       2.034       74,718  
                                                                                  2015    1.869       1.738           62  
                                                                                  2014    1.719       1.869           --  
                                                                                  2013    1.654       1.719           --  
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............. 2018    2.696       2.720      260,200  
                                                                                  2017    2.697       2.696      262,937  
                                                                                  2016    2.711       2.697       84,329  
                                                                                  2015    2.736       2.711           --  
                                                                                  2014    2.761       2.736           --  
                                                                                  2013    2.762       2.761           --  
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)............. 2018    1.622       1.566      258,769  
                                                                                  2017    1.531       1.622      247,691  
                                                                                  2016    1.478       1.531      215,365  
                                                                                  2015    1.500       1.478           --  
                                                                                  2014    1.449       1.500           --  
                                                                                  2013    1.438       1.449           --  
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)............. 2018    1.788       1.694      533,331  
                                                                                  2017    1.631       1.788      522,750  
                                                                                  2016    1.551       1.631    1,188,437  
                                                                                  2015    1.582       1.551           --  
                                                                                  2014    1.522       1.582           --  
                                                                                  2013    1.496       1.522           --  
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)............. 2018    1.939       1.804    2,204,447  
                                                                                  2017    1.705       1.939    2,403,784  
                                                                                  2016    1.607       1.705    3,573,422  
                                                                                  2015    1.642       1.607           --  
                                                                                  2014    1.577       1.642           --  
                                                                                  2013    1.535       1.577           --  
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)............. 2018    2.072       1.887      697,491  

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017    1.755        
                                                                                           2016    1.637        
                                                                                           2015    1.681        
                                                                                           2014    1.612        
                                                                                           2013    1.555        
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 2018    8.941        
                                                                                           2017    7.836        
                                                                                           2016    7.390        
                                                                                           2015    7.269        
                                                                                           2014    6.635        
                                                                                           2013    6.441        
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 2018    7.326        
                                                                                           2017    6.208        
                                                                                           2016    5.836        
                                                                                           2015    5.751        
                                                                                           2014    5.245        
                                                                                           2013    5.015        
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 2018   10.476        
                                                                                           2017    8.447        
                                                                                           2016    8.095        
                                                                                           2015    7.948        
                                                                                           2014    7.221        
                                                                                           2013    6.955        
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 2018    1.704        
                                                                                           2017    1.252        
                                                                                           2016    1.261        
                                                                                           2015    1.149        
                                                                                           2014    1.063        
                                                                                           2013    1.018        
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 2018    1.967        
                                                                                           2017    1.922        
                                                                                           2016    1.895        
                                                                                           2015    1.908        
                                                                                           2014    1.819        
                                                                                           2013    1.823        
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 2018    3.811        
                                                                                           2017    3.326        
                                                                                           2016    2.795        
                                                                                           2015    2.898        
                                                                                           2014    2.677        
                                                                                           2013    2.572        
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 2018    1.973        
                                                                                           2017    1.594        
                                                                                           2016    1.587        
                                                                                           2015    1.619        
                                                                                           2014    1.738        
                                                                                           2013    1.647        
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 2018    4.038        
                                                                                           2017    3.554        
                                                                                           2016    2.956        
                                                                                           2015    3.116        
                                                                                           2014    2.994        
                                                                                           2013    2.848        
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 2018   10.386        
                                                                                           2017    8.622        
                                                                                           2016    7.791        
                                                                                           2015    7.771        
                                                                                           2014    6.917        
                                                                                           2013    6.642        
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 2018    1.310        
                                                                                           2017    1.178        
                                                                                           2016    1.091        
                                                                                           2015    1.105        
                                                                                           2014    1.028        
                                                                                           2013    1.002        
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)................................... 2018    3.569        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            2.072    1,030,229  
                                                                                            1.755    1,364,553  
                                                                                            1.637           --  
                                                                                            1.681           --  
                                                                                            1.612           --  
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)......................  8.527       54,277  
                                                                                            8.941       61,055  
                                                                                            7.836       62,513  
                                                                                            7.390           --  
                                                                                            7.269           --  
                                                                                            6.635           --  
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13).....  7.253        4,172  
                                                                                            7.326        4,564  
                                                                                            6.208        6,501  
                                                                                            5.836           --  
                                                                                            5.751           --  
                                                                                            5.245           --  
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13)..............................  9.784       32,416  
                                                                                           10.476       32,622  
                                                                                            8.447       37,171  
                                                                                            8.095           --  
                                                                                            7.948           --  
                                                                                            7.221           --  
 BHFTII Jennison Growth Subaccount (Class A) (12/13)......................................  1.695      123,288  
                                                                                            1.704      121,908  
                                                                                            1.252      146,636  
                                                                                            1.261           --  
                                                                                            1.149           --  
                                                                                            1.063           --  
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13).........................  1.946       27,907  
                                                                                            1.967       30,458  
                                                                                            1.922       59,933  
                                                                                            1.895           --  
                                                                                            1.908           --  
                                                                                            1.819           --  
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13)..........................  3.340       46,164  
                                                                                            3.811       68,413  
                                                                                            3.326      137,021  
                                                                                            2.795           --  
                                                                                            2.898           --  
                                                                                            2.677           --  
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13).....................  1.683       38,863  
                                                                                            1.973       37,875  
                                                                                            1.594       64,957  
                                                                                            1.587           --  
                                                                                            1.619           --  
                                                                                            1.738           --  
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13)..................  3.563       26,830  
                                                                                            4.038       36,362  
                                                                                            3.554       54,214  
                                                                                            2.956           36  
                                                                                            3.116           --  
                                                                                            2.994           --  
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)..................................  9.819       28,415  
                                                                                           10.386       34,958  
                                                                                            8.622       29,705  
                                                                                            7.791           --  
                                                                                            7.771           --  
                                                                                            6.917           --  
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................  1.224       64,773  
                                                                                            1.310       64,602  
                                                                                            1.178       57,831  
                                                                                            1.091           --  
                                                                                            1.105           --  
                                                                                            1.028           --  
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)...................................  3.181      105,753  

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017    3.052        
                                                                                           2016    2.692        
                                                                                           2015    2.720        
                                                                                           2014    2.477        
                                                                                           2013    2.364        
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)............................. 2018    3.688        
                                                                                           2017    3.215        
                                                                                           2016    2.733        
                                                                                           2015    2.742        
                                                                                           2014    2.766        
                                                                                           2013    2.664        
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)....................... 2018    3.730        
                                                                                           2017    2.820        
                                                                                           2016    2.802        
                                                                                           2015    2.559        
                                                                                           2014    2.372        
                                                                                           2013    2.278        
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)....................... 2018    4.617        
                                                                                           2017    3.802        
                                                                                           2016    3.441        
                                                                                           2015    3.389        
                                                                                           2014    3.206        
                                                                                           2013    3.068        
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A) (5/16). 2018   39.280        
   .                                                                                                            
                                                                                           2017   36.621        
                                                                                           2016   35.156        
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)............. 2018    2.126        
                                                                                           2017    2.104        
                                                                                           2016    2.096        
                                                                                           2015    2.103        
                                                                                           2014    2.064        
                                                                                           2013    2.070        
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................ 2018    1.483        
                                                                                           2017    1.335        
                                                                                           2016    1.026        
                                                                                           2015    1.103        
                                                                                           2014    1.052        
                                                                                           2013    1.005        
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13).................... 2018    9.010        
                                                                                           2017    7.477        
                                                                                           2016    7.003        
                                                                                           2015    7.037        
                                                                                           2014    6.360        
                                                                                           2013    6.097        
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 2018   19.923        
                                                                                           2017   17.291        
                                                                                           2016   16.490        
                                                                                           2015   17.348        
 Fidelity VIP Freedom 2025 Subaccount (5/15).............................................. 2018   21.230        
                                                                                           2017   18.220        
                                                                                           2016   17.347        
                                                                                           2015   18.321        
 Fidelity VIP Freedom 2030 Subaccount (5/15).............................................. 2018   21.634        
                                                                                           2017   18.086        
                                                                                           2016   17.156        
                                                                                           2015   18.241        
 Fidelity VIP Freedom 2040 Subaccount (5/15).............................................. 2018   29.019        
                                                                                           2017   23.748        
                                                                                           2016   22.495        
                                                                                           2015   23.988        
 Fidelity VIP Freedom 2050 Subaccount (5/15).............................................. 2018   29.652        
                                                                                           2017   24.266        
                                                                                           2016   22.978        
                                                                                           2015   24.520        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            3.569      144,766  
                                                                                            3.052      228,635  
                                                                                            2.692           --  
                                                                                            2.720           --  
                                                                                            2.477           --  
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).............................  3.410        8,510  
                                                                                            3.688       10,842  
                                                                                            3.215        3,947  
                                                                                            2.733           --  
                                                                                            2.742           --  
                                                                                            2.766           --  
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).......................  3.654      224,225  
                                                                                            3.730      268,136  
                                                                                            2.820      436,431  
                                                                                            2.802           39  
                                                                                            2.559           --  
                                                                                            2.372           --  
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).......................  4.265       75,116  
                                                                                            4.617       88,171  
                                                                                            3.802      122,437  
                                                                                            3.441           --  
                                                                                            3.389           --  
                                                                                            3.206           --  
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A) (5/16). 37.448        8,764  
   .                                                                                                            
                                                                                           39.280        9,636  
                                                                                           36.621       18,608  
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).............  2.127       27,840  
                                                                                            2.126       27,423  
                                                                                            2.104       50,228  
                                                                                            2.096           --  
                                                                                            2.103           --  
                                                                                            2.064           --  
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................  1.224        5,992  
                                                                                            1.483       14,842  
                                                                                            1.335       25,822  
                                                                                            1.026           --  
                                                                                            1.103           --  
                                                                                            1.052           --  
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13)....................  8.336       66,460  
                                                                                            9.010       85,395  
                                                                                            7.477      158,183  
                                                                                            7.003           --  
                                                                                            7.037           --  
                                                                                            6.360           --  
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 18.543       49,509  
                                                                                           19.923       63,006  
                                                                                           17.291       98,961  
                                                                                           16.490           --  
 Fidelity VIP Freedom 2025 Subaccount (5/15).............................................. 19.613       36,340  
                                                                                           21.230       38,578  
                                                                                           18.220       79,781  
                                                                                           17.347           --  
 Fidelity VIP Freedom 2030 Subaccount (5/15).............................................. 19.712      145,064  
                                                                                           21.634      139,649  
                                                                                           18.086      115,111  
                                                                                           17.156           --  
 Fidelity VIP Freedom 2040 Subaccount (5/15).............................................. 25.847       18,197  
                                                                                           29.019       18,376  
                                                                                           23.748        7,760  
                                                                                           22.495           --  
 Fidelity VIP Freedom 2050 Subaccount (5/15).............................................. 26.409       10,237  
                                                                                           29.652        8,553  
                                                                                           24.266        6,075  
                                                                                           22.978           --  

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 0.90% (CONTINUED)                            
                                                                                              UNIT      UNIT     NUMBER OF 
                                                                                             VALUE      VALUE      UNITS   
                                                                                               AT        AT     OUTSTANDING
                                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                      YEAR    OF YEAR     YEAR    END OF YEAR
---------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                           
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 2018   8.344       7.048        59,331  
                                                                                   2017   6.985       8.344        81,118  
                                                                                   2016   6.297       6.985        92,941  
                                                                                   2015   6.460       6.297            --  
                                                                                   2014   6.147       6.460            --  
                                                                                   2013   5.858       6.147            --  
Franklin Templeton Variable Insurance Products Trust                                                                       
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 2018   1.823       1.521        88,922  
                                                                                   2017   1.310       1.823        83,878  
                                                                                   2016   1.126       1.310       168,845  
                                                                                   2015   1.413       1.126            --  
                                                                                   2014   1.556       1.413            --  
                                                                                   2013   1.516       1.556            --  
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 2018   4.556       3.818           159  
                                                                                   2017   3.940       4.556           159  
                                                                                   2016   3.709       3.940           353  
                                                                                   2015   4.003       3.709            --  
                                                                                   2014   4.545       4.003            --  
                                                                                   2013   4.331       4.545            --  
Janus Aspen Series                                                                                                         
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2018   9.785       9.632        10,917  
                                                                                   2017   7.769       9.785        15,309  
                                                                                   2016   6.993       7.769        31,893  
                                                                                   2015   6.800       6.993            --  
                                                                                   2014   6.113       6.800            --  
                                                                                   2013   5.874       6.113            --  
Legg Mason Partners Variable Equity Trust                                                                                  
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014   4.907       4.944            --  
                                                                                   2013   4.688       4.907            --  
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2018   7.467       7.271         5,873  
                                                                                   2017   6.302       7.467         6,486  
                                                                                   2016   5.793       6.302         5,096  
                                                                                   2015   5.754       5.793            --  
                                                                                   2014   5.231       5.754            --  
                                                                                   2013   5.014       5.231            --  
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2018   1.491       1.406        45,798  
                                                                                   2017   1.263       1.491        46,671  
                                                                                   2016   1.108       1.263        52,618  
                                                                                   2015   1.168       1.108            --  
                                                                                   2014   1.038       1.168            --  
                                                                                   2013   1.000       1.038            --  
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2018   3.858       3.824       124,513  
                                                                                   2017   3.095       3.858       129,427  
                                                                                   2016   2.908       3.095       222,679  
                                                                                   2015   2.673       2.908            --  
                                                                                   2014   2.366       2.673            --  
                                                                                   2013   2.255       2.366            --  
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)........ 2018   4.021       4.121         3,651  
                                                                                   2017   3.265       4.021         6,825  
                                                                                   2016   3.113       3.265        12,622  
                                                                                   2015   3.285       3.113            --  
                                                                                   2014   3.185       3.285            --  
                                                                                   2013   2.993       3.185            --  
Legg Mason Partners Variable Income Trust                                                                                  
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)............................ 2018   3.366       3.262        25,469  
                                                                                   2017   3.212       3.366        31,136  
                                                                                   2016   3.100       3.212        51,470  
                                                                                   2015   3.091       3.100            --  
                                                                                   2014   3.129       3.091            --  
                                                                                   2013   3.121       3.129            --  
Trust for Advised Portfolios                                                                                               
 1919 Variable Socially Responsive Balanced Subaccount (12/13).................... 2018   5.446       5.347         4,988  
                                                                                   2017   4.707       5.446         4,430  
                                                                                   2016   4.471       4.707         1,078  
                                                                                   2015   4.590       4.471            --  
                                                                                   2014   4.238       4.590            --  
                                                                                   2013   4.106       4.238            --  

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                          GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15%                              
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
American Funds Insurance Series(Reg. TM)                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)................................ 2018    5.492        
                                                                                           2017    4.225        
                                                                                           2016    4.248        
                                                                                           2015    4.018        
                                                                                           2014    3.973        
                                                                                           2013    3.789        
 American Funds Growth Subaccount (Class 2) (12/13)....................................... 2018   37.045        
                                                                                           2017   29.209        
                                                                                           2016   26.986        
                                                                                           2015   25.546        
                                                                                           2014   23.815        
                                                                                           2013   22.844        
 American Funds Growth-Income Subaccount (Class 2) (12/13)................................ 2018   24.349        
                                                                                           2017   20.125        
                                                                                           2016   18.255        
                                                                                           2015   18.201        
                                                                                           2014   16.642        
                                                                                           2013   15.963        
Brighthouse Funds Trust I                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13).................................. 2018    3.331        
                                                                                           2017    3.118        
                                                                                           2016    2.760        
                                                                                           2015    2.901        
                                                                                           2014    2.838        
                                                                                           2013    2.817        
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)...................... 2018    2.137        
                                                                                           2017    1.758        
                                                                                           2016    1.632        
                                                                                           2015    1.685        
                                                                                           2014    1.622        
                                                                                           2013    1.555        
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)........................... 2018    3.358        
                                                                                           2017    3.041        
                                                                                           2016    2.343        
                                                                                           2015    2.506        
                                                                                           2014    2.492        
                                                                                           2013    2.396        
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13).......... 2018    1.280        
                                                                                           2017    1.007        
                                                                                           2016    0.910        
                                                                                           2015    1.067        
                                                                                           2014    1.151        
                                                                                           2013    1.133        
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13)............. 2018    2.168        
                                                                                           2017    1.799        
                                                                                           2016    1.680        
                                                                                           2015    1.627        
                                                                                           2014    1.449        
                                                                                           2013    1.386        
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................ 2018    2.126        
                                                                                           2017    1.938        
                                                                                           2016    1.938        
                                                                                           2015    1.985        
                                                                                           2014    1.766        
                                                                                           2013    1.713        
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 2014   36.197        
                                                                                           2013   34.451        
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13)......................... 2018    1.766        
                                                                                           2017    1.509        
                                                                                           2016    1.486        
                                                                                           2015    1.567        
                                                                                           2014    1.333        
                                                                                           2013    1.270        
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13)..... 2018    1.605        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
American Funds Insurance Series(Reg. TM)                                                                        
 American Funds Global Growth Subaccount (Class 2) (12/13)................................  4.938          --   
                                                                                            5.492          --   
                                                                                            4.225          --   
                                                                                            4.248          --   
                                                                                            4.018          --   
                                                                                            3.973          --   
 American Funds Growth Subaccount (Class 2) (12/13)....................................... 36.529         513   
                                                                                           37.045         405   
                                                                                           29.209         276   
                                                                                           26.986         132   
                                                                                           25.546          18   
                                                                                           23.815          --   
 American Funds Growth-Income Subaccount (Class 2) (12/13)................................ 23.639       1,025   
                                                                                           24.349         325   
                                                                                           20.125         307   
                                                                                           18.255         355   
                                                                                           18.201         287   
                                                                                           16.642          --   
Brighthouse Funds Trust I                                                                                       
 BHFTI BlackRock High Yield Subaccount (Class A) (12/13)..................................  3.208      16,668   
                                                                                            3.331      11,943   
                                                                                            3.118       9,049   
                                                                                            2.760       7,515   
                                                                                            2.901       5,098   
                                                                                            2.838          --   
 BHFTI Brighthouse Asset Allocation 100 Subaccount (Class B) (12/13)......................  1.900          --   
                                                                                            2.137          --   
                                                                                            1.758      19,760   
                                                                                            1.632      17,753   
                                                                                            1.685       2,545   
                                                                                            1.622          --   
 BHFTI Brighthouse Small Cap Value Subaccount (Class B) (12/13)...........................  2.813          --   
                                                                                            3.358          --   
                                                                                            3.041          --   
                                                                                            2.343          --   
                                                                                            2.506          --   
                                                                                            2.492          --   
 BHFTI Brighthouse/Aberdeen Emerging Markets Equity Subaccount (Class A) (12/13)..........  1.089          --   
                                                                                            1.280          --   
                                                                                            1.007          --   
                                                                                            0.910          --   
                                                                                            1.067          --   
                                                                                            1.151          --   
 BHFTI Brighthouse/Wellington Large Cap Research Subaccount (Class E) (12/13).............  2.009          --   
                                                                                            2.168          --   
                                                                                            1.799          --   
                                                                                            1.680          --   
                                                                                            1.627          --   
                                                                                            1.449          --   
 BHFTI Clarion Global Real Estate Subaccount (Class A) (12/13)............................  1.926      10,950   
                                                                                            2.126       7,090   
                                                                                            1.938       6,223   
                                                                                            1.938       4,653   
                                                                                            1.985       3,063   
                                                                                            1.766          --   
 BHFTI ClearBridge Aggressive Growth II Subaccount (Class A) (12/13)...................... 37.750          --   
                                                                                           36.197          --   
 BHFTI ClearBridge Aggressive Growth Subaccount (Class B) (12/13).........................  1.623          --   
                                                                                            1.766          --   
                                                                                            1.509         977   
                                                                                            1.486          61   
                                                                                            1.567          --   
                                                                                            1.333          --   
 BHFTI FOF - American Funds(Reg. TM) Balanced Allocation Subaccount (Class C) (12/13).....  1.518          --   

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017   1.389         
                                                                                           2016   1.304         
                                                                                           2015   1.328         
                                                                                           2014   1.267         
                                                                                           2013   1.233         
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 2018   1.689         
                                                                                           2017   1.408         
                                                                                           2016   1.307         
                                                                                           2015   1.332         
                                                                                           2014   1.267         
                                                                                           2013   1.223         
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 2018   1.511         
                                                                                           2017   1.353         
                                                                                           2016   1.279         
                                                                                           2015   1.303         
                                                                                           2014   1.243         
                                                                                           2013   1.218         
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2018   3.293         
                                                                                           2017   2.547         
                                                                                           2016   2.376         
                                                                                           2015   2.512         
                                                                                           2014   2.690         
                                                                                           2013   2.562         
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 2018   1.437         
                                                                                           2017   1.231         
                                                                                           2016   1.062         
                                                                                           2015   1.142         
                                                                                           2014   1.057         
                                                                                           2013   1.011         
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 2018   3.781         
                                                                                           2017   3.045         
                                                                                           2016   2.757         
                                                                                           2015   2.829         
                                                                                           2014   2.645         
                                                                                           2013   2.527         
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2018   2.540         
                                                                                           2017   2.479         
                                                                                           2016   1.917         
                                                                                           2015   2.090         
                                                                                           2014   2.020         
                                                                                           2013   1.935         
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 2016   3.112         
                                                                                           2015   3.209         
                                                                                           2014   3.088         
                                                                                           2013   3.064         
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 2018   1.408         
                                                                                           2017   1.232         
                                                                                           2016   1.194         
                                                                                           2015   1.223         
                                                                                           2014   1.132         
                                                                                           2013   1.105         
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 2018   1.980         
                                                                                           2017   1.563         
                                                                                           2016   1.595         
                                                                                           2015   1.642         
                                                                                           2014   1.785         
                                                                                           2013   1.707         
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............................. 2018   1.441         
                                                                                           2017   1.066         
                                                                                           2016   1.076         
                                                                                           2015   1.048         
                                                                                           2014   1.039         
                                                                                           2013   0.992         
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)........................ 2018   1.014         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                           1.605           --   
                                                                                           1.389           --   
                                                                                           1.304           --   
                                                                                           1.328           --   
                                                                                           1.267           --   
 BHFTI FOF - American Funds(Reg. TM) Growth Allocation Subaccount (Class C) (12/13)....... 1.573           --   
                                                                                           1.689           --   
                                                                                           1.408           --   
                                                                                           1.307           --   
                                                                                           1.332           --   
                                                                                           1.267           --   
 BHFTI FOF - American Funds(Reg. TM) Moderate Allocation Subaccount (Class C) (12/13)..... 1.443           --   
                                                                                           1.511           --   
                                                                                           1.353           --   
                                                                                           1.279           --   
                                                                                           1.303           --   
                                                                                           1.243           --   
 BHFTI Harris Oakmark International Subaccount (Class A) (12/13).......................... 2.483        7,995   
                                                                                           3.293        2,638   
                                                                                           2.547        2,516   
                                                                                           2.376        1,011   
                                                                                           2.512          489   
                                                                                           2.690           --   
 BHFTI Invesco Comstock Subaccount (Class B) (12/13)...................................... 1.247           --   
                                                                                           1.437           --   
                                                                                           1.231           --   
                                                                                           1.062           --   
                                                                                           1.142           --   
                                                                                           1.057           --   
 BHFTI Invesco Small Cap Growth Subaccount (Class A) (12/13).............................. 3.410           --   
                                                                                           3.781           --   
                                                                                           3.045        1,694   
                                                                                           2.757        1,451   
                                                                                           2.829           --   
                                                                                           2.645           --   
 BHFTI JPMorgan Small Cap Value Subaccount (Class A) (12/13).............................. 2.165           --   
                                                                                           2.540           --   
                                                                                           2.479           --   
                                                                                           1.917           --   
                                                                                           2.090           --   
                                                                                           2.020           --   
 BHFTI Lord Abbett Bond Debenture Subaccount (Class A) (12/13)............................ 3.211           --   
                                                                                           3.112           --   
                                                                                           3.209           --   
                                                                                           3.088           --   
 BHFTI MetLife Multi-Index Targeted Risk Subaccount (Class B) (12/13)..................... 1.291           --   
                                                                                           1.408           --   
                                                                                           1.232           --   
                                                                                           1.194           --   
                                                                                           1.223           --   
                                                                                           1.132           --   
 BHFTI MFS(Reg. TM) Research International Subaccount (Class B) (12/13)................... 1.683           --   
                                                                                           1.980           --   
                                                                                           1.563           --   
                                                                                           1.595           --   
                                                                                           1.642           --   
                                                                                           1.785           --   
 BHFTI Oppenheimer Global Equity Subaccount (Class B) (12/13)............................. 1.237           --   
                                                                                           1.441           --   
                                                                                           1.066        6,062   
                                                                                           1.076        3,988   
                                                                                           1.048           --   
                                                                                           1.039           --   
 BHFTI PIMCO Inflation Protected Bond Subaccount (Class A) (12/13)........................ 0.981           --   

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                           
                                                                                             UNIT      UNIT     NUMBER OF 
                                                                                            VALUE      VALUE      UNITS   
                                                                                              AT        AT     OUTSTANDING
                                                                                          BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                     YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                          
                                                                                  2017    0.988       1.014          --   
                                                                                  2016    0.950       0.988          --   
                                                                                  2015    0.990       0.950          --   
                                                                                  2014    0.971       0.990          --   
                                                                                  2013    0.977       0.971          --   
 BHFTI PIMCO Total Return Subaccount (Class B) (12/13)........................... 2018    1.914       1.888      22,372   
                                                                                  2017    1.853       1.914      14,968   
                                                                                  2016    1.827       1.853      10,953   
                                                                                  2015    1.848       1.827       8,866   
                                                                                  2014    1.794       1.848       7,756   
                                                                                  2013    1.801       1.794          --   
 BHFTI Pioneer Fund Subaccount (Class A) (12/13)................................. 2016    2.909       2.931          --   
                                                                                  2015    2.941       2.909          --   
                                                                                  2014    2.677       2.941          --   
                                                                                  2013    2.576       2.677          --   
 BHFTI Pioneer Strategic Income Subaccount (Class A) (12/13)..................... 2016    3.020       3.100          --   
                                                                                  2015    3.095       3.020          --   
                                                                                  2014    2.993       3.095          --   
                                                                                  2013    2.984       2.993          --   
 BHFTI Schroders Global Multi-Asset Portfolio Subaccount (Class B) (12/13)....... 2018    1.344       1.287          --   
                                                                                  2017    1.167       1.344          --   
                                                                                  2016    1.129       1.167          --   
                                                                                  2015    1.157       1.129          --   
                                                                                  2014    1.077       1.157          --   
                                                                                  2013    1.051       1.077          --   
 BHFTI T. Rowe Price Large Cap Value Subaccount (Class B) (12/13)................ 2018   10.379       9.320          --   
                                                                                  2017    8.977      10.379          --   
                                                                                  2016    7.832       8.977          --   
                                                                                  2015    8.217       7.832          --   
                                                                                  2014    7.338       8.217          --   
                                                                                  2013    7.071       7.338          --   
 BHFTI Victory Sycamore Mid Cap Value Subaccount (Class B) (12/13)............... 2018    4.441       3.944       2,944   
                                                                                  2017    4.103       4.441       2,025   
                                                                                  2016    3.594       4.103       1,104   
                                                                                  2015    3.994       3.594          --   
                                                                                  2014    3.685       3.994          --   
                                                                                  2013    3.534       3.685          --   
Brighthouse Funds Trust II                                                                                                
 BHFTII BlackRock Bond Income Subaccount (Class A) (12/13)....................... 2018    7.350       7.240          --   
                                                                                  2017    7.142       7.350          --   
                                                                                  2016    7.006       7.142          --   
                                                                                  2015    7.045       7.006          --   
                                                                                  2014    6.655       7.045          --   
                                                                                  2013    6.667       6.655          --   
 BHFTII BlackRock Capital Appreciation Subaccount (Class A) (12/13).............. 2018    6.851       6.937       1,998   
                                                                                  2017    5.175       6.851       1,457   
                                                                                  2016    5.230       5.175         818   
                                                                                  2015    4.978       5.230          --   
                                                                                  2014    4.624       4.978          --   
                                                                                  2013    4.399       4.624          --   
 BHFTII BlackRock Large Cap Value Subaccount (Class B) (12/13)................... 2018    2.081       2.009          --   
                                                                                  2017    1.961       2.081       4,282   
                                                                                  2016    1.680       1.961       2,715   
                                                                                  2015    1.811       1.680          27   
                                                                                  2014    1.670       1.811          --   
                                                                                  2013    1.606       1.670          --   
 BHFTII BlackRock Ultra-Short Term Bond Subaccount (Class A) (12/13)............. 2018    2.474       2.490          --   
                                                                                  2017    2.481       2.474          --   
                                                                                  2016    2.501       2.481          --   
                                                                                  2015    2.530       2.501          --   
                                                                                  2014    2.559       2.530          --   
                                                                                  2013    2.560       2.559          --   
 BHFTII Brighthouse Asset Allocation 20 Subaccount (Class B) (12/13)............. 2018    1.572       1.513          --   

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017   1.487         
                                                                                           2016   1.439         
                                                                                           2015   1.464         
                                                                                           2014   1.418         
                                                                                           2013   1.408         
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)...................... 2018   1.733         
                                                                                           2017   1.584         
                                                                                           2016   1.510         
                                                                                           2015   1.544         
                                                                                           2014   1.489         
                                                                                           2013   1.464         
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)...................... 2018   1.879         
                                                                                           2017   1.656         
                                                                                           2016   1.564         
                                                                                           2015   1.603         
                                                                                           2014   1.543         
                                                                                           2013   1.502         
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)...................... 2018   2.008         
                                                                                           2017   1.704         
                                                                                           2016   1.594         
                                                                                           2015   1.640         
                                                                                           2014   1.577         
                                                                                           2013   1.522         
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 2018   8.264         
                                                                                           2017   7.260         
                                                                                           2016   6.864         
                                                                                           2015   6.769         
                                                                                           2014   6.194         
                                                                                           2013   6.014         
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 2018   6.913         
                                                                                           2017   5.873         
                                                                                           2016   5.535         
                                                                                           2015   5.468         
                                                                                           2014   4.999         
                                                                                           2013   4.781         
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 2018   9.727         
                                                                                           2017   7.863         
                                                                                           2016   7.554         
                                                                                           2015   7.435         
                                                                                           2014   6.772         
                                                                                           2013   6.524         
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 2018   1.687         
                                                                                           2017   1.242         
                                                                                           2016   1.255         
                                                                                           2015   1.146         
                                                                                           2014   1.063         
                                                                                           2013   1.017         
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 2018   1.875         
                                                                                           2017   1.837         
                                                                                           2016   1.816         
                                                                                           2015   1.832         
                                                                                           2014   1.752         
                                                                                           2013   1.756         
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 2018   3.648         
                                                                                           2017   3.192         
                                                                                           2016   2.689         
                                                                                           2015   2.795         
                                                                                           2014   2.589         
                                                                                           2013   2.487         
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 2018   1.880         
                                                                                           2017   1.523         
                                                                                           2016   1.520         
                                                                                           2015   1.555         
                                                                                           2014   1.673         
                                                                                           2013   1.586         
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 2018   3.850         


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                           1.572           --   
                                                                                           1.487           --   
                                                                                           1.439           --   
                                                                                           1.464           --   
                                                                                           1.418           --   
 BHFTII Brighthouse Asset Allocation 40 Subaccount (Class B) (12/13)...................... 1.637           --   
                                                                                           1.733           --   
                                                                                           1.584           --   
                                                                                           1.510           --   
                                                                                           1.544           --   
                                                                                           1.489           --   
 BHFTII Brighthouse Asset Allocation 60 Subaccount (Class B) (12/13)...................... 1.743           --   
                                                                                           1.879           --   
                                                                                           1.656           --   
                                                                                           1.564           --   
                                                                                           1.603           --   
                                                                                           1.543           --   
 BHFTII Brighthouse Asset Allocation 80 Subaccount (Class B) (12/13)...................... 1.824           --   
                                                                                           2.008           --   
                                                                                           1.704       49,754   
                                                                                           1.594       32,241   
                                                                                           1.640       15,151   
                                                                                           1.577           --   
 BHFTII Brighthouse/Wellington Balanced Subaccount (Class A) (12/13)...................... 7.862           --   
                                                                                           8.264           --   
                                                                                           7.260           --   
                                                                                           6.864           --   
                                                                                           6.769           --   
                                                                                           6.194           --   
 BHFTII Brighthouse/Wellington Core Equity Opportunities Subaccount (Class A) (12/13)..... 6.828        1,912   
                                                                                           6.913        1,332   
                                                                                           5.873          724   
                                                                                           5.535           --   
                                                                                           5.468           --   
                                                                                           4.999           --   
 BHFTII Frontier Mid Cap Growth Subaccount (Class D) (12/13).............................. 9.061           --   
                                                                                           9.727           --   
                                                                                           7.863           --   
                                                                                           7.554           --   
                                                                                           7.435           --   
                                                                                           6.772           --   
 BHFTII Jennison Growth Subaccount (Class A) (12/13)...................................... 1.673           --   
                                                                                           1.687           --   
                                                                                           1.242           --   
                                                                                           1.255           --   
                                                                                           1.146           --   
                                                                                           1.063           --   
 BHFTII MetLife Aggregate Bond Index Subaccount (Class A) (12/13)......................... 1.851           --   
                                                                                           1.875           --   
                                                                                           1.837           --   
                                                                                           1.816           --   
                                                                                           1.832           --   
                                                                                           1.752           --   
 BHFTII MetLife Mid Cap Stock Index Subaccount (Class G) (12/13).......................... 3.189            6   
                                                                                           3.648           10   
                                                                                           3.192        2,180   
                                                                                           2.689        1,579   
                                                                                           2.795            9   
                                                                                           2.589           --   
 BHFTII MetLife MSCI EAFE(Reg. TM) Index Subaccount (Class A) (12/13)..................... 1.600           --   
                                                                                           1.880           --   
                                                                                           1.523           --   
                                                                                           1.520           --   
                                                                                           1.555           --   
                                                                                           1.673           --   
 BHFTII MetLife Russell 2000(Reg. TM) Index Subaccount (Class A) (12/13).................. 3.388           --   

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                    GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                        
                                                                                                      UNIT      
                                                                                                     VALUE      
                                                                                                       AT       
                                                                                                   BEGINNING    
PORTFOLIO NAME                                                                              YEAR    OF YEAR     
------------------------------------------------------------------------------------------ ------ -----------   
                                                                                                                
                                                                                           2017    3.396        
                                                                                           2016    2.832        
                                                                                           2015    2.993        
                                                                                           2014    2.882        
                                                                                           2013    2.743        
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13).................................. 2018    9.691        
                                                                                           2017    8.066        
                                                                                           2016    7.306        
                                                                                           2015    7.306        
                                                                                           2014    6.519        
                                                                                           2013    6.261        
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................ 2018    1.297        
                                                                                           2017    1.169        
                                                                                           2016    1.085        
                                                                                           2015    1.101        
                                                                                           2014    1.028        
                                                                                           2013    1.002        
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)................................... 2018    3.399        
                                                                                           2017    2.914        
                                                                                           2016    2.577        
                                                                                           2015    2.611        
                                                                                           2014    2.383        
                                                                                           2013    2.274        
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13)............................. 2018    3.530        
                                                                                           2017    3.085        
                                                                                           2016    2.629        
                                                                                           2015    2.644        
                                                                                           2014    2.675        
                                                                                           2013    2.576        
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13)....................... 2018    3.556        
                                                                                           2017    2.695        
                                                                                           2016    2.685        
                                                                                           2015    2.457        
                                                                                           2014    2.284        
                                                                                           2013    2.193        
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13)....................... 2018    4.383        
                                                                                           2017    3.618        
                                                                                           2016    3.283        
                                                                                           2015    3.241        
                                                                                           2014    3.074        
                                                                                           2013    2.942        
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A) (5/16). 2018   37.069        
   .                                                                                                            
                                                                                           2017   34.646        
                                                                                           2016   33.315        
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13)............. 2018    2.006        
                                                                                           2017    1.991        
                                                                                           2016    1.988        
                                                                                           2015    2.000        
                                                                                           2014    1.967        
                                                                                           2013    1.973        
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................ 2018    1.468        
                                                                                           2017    1.325        
                                                                                           2016    1.020        
                                                                                           2015    1.100        
                                                                                           2014    1.051        
                                                                                           2013    1.004        
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13).................... 2018    8.507        
                                                                                           2017    7.077        
                                                                                           2016    6.645        
                                                                                           2015    6.694        
                                                                                           2014    6.065        
                                                                                           2013    5.815        
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 2018   19.301        


                                                                                             UNIT     NUMBER OF 
                                                                                             VALUE      UNITS   
                                                                                              AT     OUTSTANDING
                                                                                            END OF       AT     
PORTFOLIO NAME                                                                               YEAR    END OF YEAR
------------------------------------------------------------------------------------------ -------- ------------
                                                                                                                
                                                                                            3.850          --   
                                                                                            3.396          --   
                                                                                            2.832          --   
                                                                                            2.993          --   
                                                                                            2.882          --   
 BHFTII MetLife Stock Index Subaccount (Class A) (12/13)..................................  9.139          --   
                                                                                            9.691          --   
                                                                                            8.066       1,659   
                                                                                            7.306       1,224   
                                                                                            7.306          --   
                                                                                            6.519          --   
 BHFTII MFS(Reg. TM) Total Return Subaccount (Class F) (12/13)............................  1.208          --   
                                                                                            1.297          --   
                                                                                            1.169          --   
                                                                                            1.085          --   
                                                                                            1.101          --   
                                                                                            1.028          --   
 BHFTII MFS(Reg. TM) Value Subaccount (Class A) (12/13)...................................  3.023          --   
                                                                                            3.399          --   
                                                                                            2.914          --   
                                                                                            2.577          --   
                                                                                            2.611          --   
                                                                                            2.383          --   
 BHFTII Neuberger Berman Genesis Subaccount (Class A) (12/13).............................  3.256       3,788   
                                                                                            3.530       2,669   
                                                                                            3.085       1,476   
                                                                                            2.629          --   
                                                                                            2.644          --   
                                                                                            2.675          --   
 BHFTII T. Rowe Price Large Cap Growth Subaccount (Class B) (12/13).......................  3.474          --   
                                                                                            3.556          --   
                                                                                            2.695          --   
                                                                                            2.685          --   
                                                                                            2.457          --   
                                                                                            2.284          --   
 BHFTII T. Rowe Price Small Cap Growth Subaccount (Class B) (12/13).......................  4.039       3,086   
                                                                                            4.383       2,201   
                                                                                            3.618       1,655   
                                                                                            3.283          27   
                                                                                            3.241          --   
                                                                                            3.074          --   
 BHFTII Western Asset Management Strategic Bond Opportunities Subaccount (Class A) (5/16). 35.251         346   
   .                                                                                                            
                                                                                           37.069         230   
                                                                                           34.646         123   
 BHFTII Western Asset Management U.S. Government Subaccount (Class A) (12/13).............  2.002          --   
                                                                                            2.006          --   
                                                                                            1.991          --   
                                                                                            1.988          --   
                                                                                            2.000          --   
                                                                                            1.967          --   
Delaware VIP Trust                                                                                              
 Delaware VIP(Reg. TM) Small Cap Value Subaccount (Standard Class) (12/13)................  1.208          --   
                                                                                            1.468          --   
                                                                                            1.325          --   
                                                                                            1.020          --   
                                                                                            1.100          --   
                                                                                            1.051          --   
Fidelity(Reg. TM) Variable Insurance Products                                                                   
 Fidelity VIP Contrafund(Reg. TM) Subaccount (Service Class 2) (12/13)....................  7.850       6,257   
                                                                                            8.507       4,269   
                                                                                            7.077       3,374   
                                                                                            6.645       2,695   
                                                                                            6.694       1,597   
                                                                                            6.065          --   
 Fidelity VIP Freedom 2020 Subaccount (5/15).............................................. 17.919          --   

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                            
                                                                                              UNIT      UNIT     NUMBER OF 
                                                                                             VALUE      VALUE      UNITS   
                                                                                               AT        AT     OUTSTANDING
                                                                                           BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                      YEAR    OF YEAR     YEAR    END OF YEAR
---------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                           
                                                                                   2017   16.793      19.301          --   
                                                                                   2016   16.056      16.793          --   
                                                                                   2015   16.918      16.056          --   
 Fidelity VIP Freedom 2025 Subaccount (5/15)...................................... 2018   20.567      18.953          --   
                                                                                   2017   17.696      20.567          --   
                                                                                   2016   16.890      17.696          --   
                                                                                   2015   17.867      16.890          --   
 Fidelity VIP Freedom 2030 Subaccount (5/15)...................................... 2018   20.959      19.049          --   
                                                                                   2017   17.566      20.959          --   
                                                                                   2016   16.704      17.566          --   
                                                                                   2015   17.789      16.704          --   
 Fidelity VIP Freedom 2040 Subaccount (5/15)...................................... 2018   28.393      25.225         126   
                                                                                   2017   23.294      28.393          43   
                                                                                   2016   22.120      23.294          --   
                                                                                   2015   23.626      22.120          --   
 Fidelity VIP Freedom 2050 Subaccount (5/15)...................................... 2018   29.012      25.775          --   
                                                                                   2017   23.801      29.012          --   
                                                                                   2016   22.594      23.801          --   
                                                                                   2015   24.151      22.594          --   
 Fidelity VIP Mid Cap Subaccount (Service Class 2) (12/13)........................ 2018   7.957       6.704           --   
                                                                                   2017   6.677       7.957           --   
                                                                                   2016   6.035       6.677           --   
                                                                                   2015   6.206       6.035           --   
                                                                                   2014   5.921       6.206           --   
                                                                                   2013   5.643       5.921           --   
Franklin Templeton Variable Insurance Products Trust                                                                       
 FTVIPT Templeton Developing Markets VIP Subaccount (Class 2) (12/13)............. 2018   1.726       1.437           --   
                                                                                   2017   1.244       1.726           --   
                                                                                   2016   1.071       1.244           --   
                                                                                   2015   1.348       1.071           --   
                                                                                   2014   1.488       1.348           --   
                                                                                   2013   1.450       1.488           --   
 FTVIPT Templeton Foreign VIP Subaccount (Class 2) (12/13)........................ 2018   4.273       3.572           --   
                                                                                   2017   3.704       4.273           --   
                                                                                   2016   3.496       3.704           --   
                                                                                   2015   3.782       3.496           --   
                                                                                   2014   4.305       3.782           --   
                                                                                   2013   4.103       4.305           --   
Janus Aspen Series                                                                                                         
 Janus Henderson Enterprise Subaccount (Service Shares) (12/13)................... 2018   9.208       9.041           --   
                                                                                   2017   7.329       9.208           --   
                                                                                   2016   6.613       7.329           --   
                                                                                   2015   6.447       6.613           --   
                                                                                   2014   5.810       6.447           --   
                                                                                   2013   5.584       5.810           --   
Legg Mason Partners Variable Equity Trust                                                                                  
 LMPVET ClearBridge Variable All Cap Value Subaccount (Class I) (12/13)........... 2014   4.667       4.698           --   
                                                                                   2013   4.459       4.667           --   
 LMPVET ClearBridge Variable Appreciation Subaccount (Class I) (12/13)............ 2018   6.994       6.793           --   
                                                                                   2017   5.918       6.994           --   
                                                                                   2016   5.453       5.918           --   
                                                                                   2015   5.430       5.453           --   
                                                                                   2014   4.948       5.430           --   
                                                                                   2013   4.744       4.948           --   
 LMPVET ClearBridge Variable Dividend Strategy Subaccount (Class I) (12/13)....... 2018   1.476       1.388           --   
                                                                                   2017   1.253       1.476           --   
                                                                                   2016   1.102       1.253           --   
                                                                                   2015   1.165       1.102           --   
                                                                                   2014   1.037       1.165           --   
                                                                                   2013   1.000       1.037           --   
 LMPVET ClearBridge Variable Large Cap Growth Subaccount (Class I) (12/13)........ 2018   3.673       3.631        3,690   
                                                                                   2017   2.954       3.673        2,640   
                                                                                   2016   2.782       2.954        1,465   
                                                                                   2015   2.564       2.782           --   
                                                                                   2014   2.275       2.564           --   
                                                                                   2013   2.169       2.275           --   

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                           GOLD TRACK SELECT MLIC -- SEPARATE ACCOUNT CHARGES 1.15% (CONTINUED)                           
                                                                                             UNIT      UNIT     NUMBER OF 
                                                                                            VALUE      VALUE      UNITS   
                                                                                              AT        AT     OUTSTANDING
                                                                                          BEGINNING   END OF       AT     
PORTFOLIO NAME                                                                     YEAR    OF YEAR     YEAR    END OF YEAR
--------------------------------------------------------------------------------- ------ ----------- -------- ------------
                                                                                                                          
 LMPVET ClearBridge Variable Small Cap Growth Subaccount (Class I) (12/13)....... 2018   3.842       3.928          --    
                                                                                  2017   3.127       3.842          --    
                                                                                  2016   2.990       3.127          --    
                                                                                  2015   3.163       2.990          --    
                                                                                  2014   3.074       3.163          --    
                                                                                  2013   2.889       3.074          --    
Legg Mason Partners Variable Income Trust                                                                                 
 LMPVIT Western Asset Core Plus VIT Subaccount (12/13)........................... 2018   3.174       3.067          --    
                                                                                  2017   3.036       3.174          --    
                                                                                  2016   2.938       3.036          --    
                                                                                  2015   2.936       2.938          --    
                                                                                  2014   2.980       2.936          --    
                                                                                  2013   2.972       2.980          --    
Trust for Advised Portfolios                                                                                              
 1919 Variable Socially Responsive Balanced Subaccount (12/13)................... 2018   5.109       5.003          --    
                                                                                  2017   4.427       5.109          --    
                                                                                  2016   4.215       4.427         571    
                                                                                  2015   4.338       4.215         501    
                                                                                  2014   4.015       4.338          --    
                                                                                  2013   3.891       4.015          --    

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

Funding options not listed above had no amounts allocated to them or were not   
available as of December 31, 2018.                                              

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

Variable Funding Option mergers and substitutions that occurred between January 
1, 2005 and December 31, 2018 are displayed below. Please see Appendix B for    
more information on Variable Funding Option mergers, substitutions and other    
changes.                                                                        

Effective on or about 4/28/2016, Met Investors Series Trust-Lord Abbett Bond    
Debenture Portfolio merged into Metropolitan Series Fund-Western Asset          
Management Strategic Bond Opportunities Portfolio and is no longer available as 
a funding option.                                                               

Effective on or about 4/28/2016, Met Investors Series Trust-Pioneer Fund        
Portfolio merged into Metropolitan Series Fund-Met/Wellington Core Equity       
Opportunities Portfolio and is no longer available as a funding option.         

Effective on or about 4/28/2016, Met Investors Series Trust-Pioneer Strategic   
Income Portfolio merged into Metropolitan Series Fund-Western Asset Management  
Strategic Bond Opportunities Portfolio and is no longer available as a funding  
option.                                                                         

Effective on or about 4/27/2018, Brighthouse Funds Trust II-BlackRock Large Cap 
Value Portfolio merged into Brighthouse Funds Trust II-MFS(Reg. TM) Value       
Portfolio and is no longer available as a funding option.                       

Effective on or about 4/27/2018, Brighthouse Funds Trust I-Pyramis(Reg. TM)     
Managed Risk Portfolio merged into Brighthouse Funds Trust I-Schroders Global   
Multi-Asset Portfolio and is no longer available as a funding option.           

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FINANCIAL STATEMENTS

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

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

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                         

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

OPINION ON THE FINANCIAL STATEMENTS AND FINANCIAL HIGHLIGHTS                    

We have audited the accompanying statements of assets and liabilities of        
Metropolitan Life Separate Account E (the "Separate Account") of Metropolitan   
Life Insurance Company (the "Company") comprising each of the individual        
Divisions listed in Notes 2 and 3A as of December 31, 2018, the related         
statements of operations for the year then ended, the statements of changes in  
net assets for each of the two years in the period then ended, and the          
financial highlights in Note 8 for each of the five years in the period then    
ended for the Divisions, except for the Divisions included in the table below;  
the related statements of operations, changes in net assets, and the financial  
highlights for the Divisions and periods indicated in the table below; and the  
related notes. In our opinion, the financial statements and financial           
highlights present fairly, in all material respects, the financial position of  
each of the Divisions constituting the Separate Account of the Company as of    
December 31, 2018, and the results of their operations for the year then ended  
(or for the periods listed in the table below), the changes in their net assets 
for each of the two years in the period then ended (or for the periods listed   
in the table below), and the financial highlights for each of the five years in 
the period then ended (or for the periods listed in the table below), in        
conformity with accounting principles generally accepted in the United States   
of America.                                                                     

                                                        [Enlarge/Download Table]

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

    INDIVIDUAL DIVISIONS                            STATEMENTS OF                                      
   COMPRISING THE SEPARATE      STATEMENT OF         CHANGES IN                                        
           ACCOUNT               OPERATIONS          NET ASSETS             FINANCIAL HIGHLIGHTS       
-------------------------------------------------------------------------------------------------------
                                                                                                       
  American Funds Global       For the year ended  For the years ended  For the years ended December 31,
  Growth Division             December 31, 2018   December 31, 2018    2018, 2017 and 2016             
  Delaware VIP Small Cap                          and 2017             (Commenced October 31, 2013     
  Value Division                                                       and began transactions in 2016) 
  Fidelity VIP Mid Cap                                                                                 
  Division                                                                                             
  FTVIPT Templeton                                                                                     
  Developing Markets VIP                                                                               
  Division                                                                                             
  FTVIPT Templeton Foreign                                                                             
  VIP Division                                                                                         
  Janus Henderson Enterprise                                                                           
  Division                                                                                             
  LMPVET ClearBridge                                                                                   
  Variable Appreciation                                                                                
  Division                                                                                             
  LMPVET ClearBridge                                                                                   
  Variable Dividend Strategy                                                                           
  Division                                                                                             
  LMPVET ClearBridge                                                                                   
  Variable Large Gap Growth                                                                            
  Division                                                                                             
  LMPVET ClearBridge                                                                                   
  Variable Small Gap Growth                                                                            
  Division                                                                                             
  LMPVIT Western Asset                                                                                 
  Core Plus Division                                                                                   

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    INDIVIDUAL DIVISIONS                             STATEMENTS OF                                      
   COMPRISING THE SEPARATE      STATEMENT OF          CHANGES IN                                        
           ACCOUNT               OPERATIONS           NET ASSETS             FINANCIAL HIGHLIGHTS       
--------------------------------------------------------------------------------------------------------
                                                                                                        
  BHFTI Allianz Global        For the period from  For the period from  For the period from January 1,  
  Investors Dynamic           January 1, 2018      January 1, 2018      2018 through April 27, 2018 and 
  Multi-Asset Plus Division   through April 27,    through April 27,    the years ended December 31,    
                              2018                 2018 and for the     2017, 2016, 2015, and the period
                                                   year ended           from April 28, 2014             
                                                   December 31, 2017    (commencement of operations)    
                                                                        through December 31, 2014       

--------------------------------------------------------------------------------------------------------
  BHFTI BlackRock High        For the year ended   For the years ended  For the years ended December 31,
  Yield Division              December 31, 2018    December 31, 2018    2018, 2017, 2016, 2015, and 2014
  Fidelity VIP Contrafund                          and 2017             (commenced December 13, 2013    
  Division                                                              and began transactions in 2014) 

--------------------------------------------------------------------------------------------------------
  BHFTI Brighthouse/Artisan   For the year ended   For the years ended  For the years ended December 31,
  International Division      December 31, 2018    December 31, 2018    2018, 2017, 2016, and 2015      
  BHFTI Wells Capital                              and 2017             (commenced November 19, 2014    
  Management Mid Cap                                                    and began transactions in 2015) 
  Value Division                                                                                        
  BlackRock Global                                                                                      
  Allocation V.I. Division                                                                              
  Ivy VIP Asset Strategy                                                                                
  Division                                                                                              
  PIMCO VIT Dynamic                                                                                     
  Bond Division                                                                                         

--------------------------------------------------------------------------------------------------------
  BHFTI Invesco Comstock      For the year ended   For the years ended  For the years ended December 31,
  Division                    December 31, 2018    December 31, 2018    2018, 2017, 2016 and 2015       
  BHFTI T. Rowe Price Large                        and 2017             (commenced December 13, 2013    
  Cap Value Division                                                    and began transactions in 2015) 
  TAP 1919 Variable Socially                                                                            
  Responsive Balanced                                                                                   
  Division                                                                                              

--------------------------------------------------------------------------------------------------------
  BHFTI PanAgora Global       For the year ended   For the years ended  For the years ended December 31,
  Diversified Risk Division   December 31, 2018    December 31, 2018    2018, 2017, 2016, 2015, and the 
                                                   and 2017             period from April 28, 2014      
                                                                        (commencement of operations)    
                                                                        through December 31, 2014       

--------------------------------------------------------------------------------------------------------
  BHFTI Schroders Global      For the period from  For the period from  For the period from January 1,  
  Multi-Asset II Division     January 1, 2018      January 1, 2018      2018 through April 27, 2018 and 
  BHFTII MFS Value II         through April 27,    through April 27,    for the years ended December 31,
  Division                    2018                 2018 and for the     2017, 2016, 2015, and 2014      
                                                   year ended                                           
                                                   December 31, 2017                                    

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

    INDIVIDUAL DIVISIONS                                                                                                            
   COMPRISING THE SEPARATE     STATEMENT OF                                                                                         
           ACCOUNT              OPERATIONS                                                                                          
------------------------------------------------------------------------------------------------------------------------------------
                                                                                                                                    
  BHFTI TCW Core Fixed       For the year ended                                                                                     
  Income Division            December 31, 2018                                                                                      

------------------------------------------------------------------------------------------------------------------------------------
  Fidelity VIP Freedom 2020  For the year ended                                                                                     
  Division                   December 31, 2018                                                                                      
  Fidelity VIP Freedom 2025                                                                                                         
  Division                                                                                                                          
  Fidelity VIP Freedom 2030                                                                                                         
  Division                                                                                                                          
  Fidelity VIP Freedom 2040                                                                                                         
  Division                                                                                                                          
  Fidelity VIP Freedom 2050                                                                                                         
  Division                                                                                                                          

------------------------------------------------------------------------------------------------------------------------------------
  Fidelity VIP Freedom 2035  For the period from April 30, 2018 (commencement of operations) through                                
  Division                   December 31, 2018                                                                                      
  Fidelity VIP Freedom 2045                                                                                                         
  Division                                                                                                                          

------------------------------------------------------------------------------------------------------------------------------------
  Morgan Stanley VIF Global  For the year ended                                                                                     
  Infrastructure Division    December 31, 2018                                                                                      
  PIMCO VIT Commodity                                                                                                               
  RealReturn Strategy                                                                                                               
  Division                                                                                                                          
  PIMCO VIT Emerging                                                                                                                
  Markets Bond Division                                                                                                             

------------------------------------------------------------------------------------------------------------------------------------
  Oppenheimer Global Multi-  For the year ended                                                                                     
  Alternatives Fund/VA       December 31, 2018                                                                                      
  Division                                                                                                                          

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


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

    INDIVIDUAL DIVISIONS       STATEMENTS OF                                                                                        
   COMPRISING THE SEPARATE      CHANGES IN                                                                                          
           ACCOUNT              NET ASSETS                                              FINANCIAL HIGHLIGHTS                        
------------------------------------------------------------------------------------------------------------------------------------
                                                                                                                                    
  BHFTI TCW Core Fixed       For the years ended                                   For the years ended December 31,                 
  Income Division            December 31, 2018                                     2018, 2017, 2016, and the period                 
                             and 2017                                              from May 1, 2015                                 
                                                                                   (commencement of operations)                     
                                                                                   through December 31, 2015                        

------------------------------------------------------------------------------------------------------------------------------------
  Fidelity VIP Freedom 2020  For the years ended                                   For the years ended December 31,                 
  Division                   December 31, 2018                                     2018, 2017 and 2016                              
  Fidelity VIP Freedom 2025  and 2017                                              (commenced May 1, 2015 and                       
  Division                                                                         began transactions in 2016)                      
  Fidelity VIP Freedom 2030                                                                                                         
  Division                                                                                                                          
  Fidelity VIP Freedom 2040                                                                                                         
  Division                                                                                                                          
  Fidelity VIP Freedom 2050                                                                                                         
  Division                                                                                                                          

------------------------------------------------------------------------------------------------------------------------------------
  Fidelity VIP Freedom 2035                                                                                                         
  Division                                                                                                                          
  Fidelity VIP Freedom 2045                                                                                                         
  Division                                                                                                                          

------------------------------------------------------------------------------------------------------------------------------------
  Morgan Stanley VIF Global  For the years ended                                   For the years ended December 31,                 
  Infrastructure Division    December 31, 2018                                     2018, 2017, 2016, 2015 and the                   
  PIMCO VIT Commodity        and 2017                                              period from November 19, 2014                    
  RealReturn Strategy                                                              (commencement of operations)                     
  Division                                                                         through December 31, 2014                        
  PIMCO VIT Emerging                                                                                                                
  Markets Bond Division                                                                                                             

------------------------------------------------------------------------------------------------------------------------------------
  Oppenheimer Global Multi-  For the year ended December 31, 2018, and the period                                                   
  Alternatives Fund/VA       from April 28, 2017 (commencement of operations)                                                       
  Division                   through December 31, 2017                                                                              

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

BASIS FOR OPINION                                                               

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

We conducted our audits in accordance with the standards of the PCAOB. Those    
standards require that we plan and perform the audit to obtain reasonable       
assurance about whether the financial statements and financial highlights are   
free of material misstatement, whether due to error or fraud. The Separate      
Account is not required to have, nor were we engaged to perform, an audit of    
its internal control over financial                                             

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reporting. As part of our audits we are required to obtain an understanding of  
internal control over financial reporting but not for the purpose of expressing 
an opinion on the effectiveness of the Separate Account's internal control over 
financial reporting. Accordingly, we express no such opinion.                   

Our audits included performing procedures to assess the risks of material       
misstatement of the financial statements and financial highlights, whether due  
to error or fraud, and performing procedures that respond to those risks. Such  
procedures included examining, on a test basis, evidence regarding the amounts  
and disclosures in the financial statements and financial highlights. Our       
audits also included evaluating the accounting principles used and significant  
estimates made by management, as well as evaluating the overall presentation of 
the financial statements and financial highlights. Our procedures included      
confirmation of investments owned as of December 31, 2018, by correspondence    
with the custodian or mutual fund companies. We believe that our audits provide 
a reasonable basis for our opinion.                                             

/s/ DELOITTE & TOUCHE LLP                                                       

Tampa, Florida                                                                  
March 22, 2019                                                                  

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES    
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]

                                                                                       AMERICAN FUNDS(R)                       
                                           AMERICAN FUNDS(R)     AMERICAN FUNDS(R)       GLOBAL SMALL        AMERICAN FUNDS(R) 
                                                 BOND              GLOBAL GROWTH        CAPITALIZATION            GROWTH       
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         74,861,591  $            251,565  $        391,323,317  $        911,540,512
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                    5                    --                     8                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................           74,861,596               251,565           391,323,325           911,540,512
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    3                    --                    12                     3
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                    --                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    3                    --                    12                     4
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $         74,861,593  $            251,565  $        391,323,313  $        911,540,508
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         74,742,527  $            251,565  $        390,797,800  $        910,650,511
   Net assets from Contracts in payout..              119,066                    --               525,513               889,997
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $         74,861,593  $            251,565  $        391,323,313  $        911,540,508
                                         ====================  ====================  ====================  ====================

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]

                                                                                        BHFTI AMERICAN        BHFTI AMERICAN   
                                          AMERICAN FUNDS(R)       BHFTI AB GLOBAL      FUNDS(R) BALANCED      FUNDS(R) GROWTH  
                                            GROWTH-INCOME       DYNAMIC ALLOCATION        ALLOCATION            ALLOCATION     
                                              DIVISION               DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        704,784,997  $      1,327,086,695  $        773,156,173  $        403,169,474
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          704,784,997         1,327,086,695           773,156,173           403,169,474
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    1                     1                     1                     1
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                  203                     1                     2                     2
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                  204                     2                     3                     3
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        704,784,793  $      1,327,086,693  $        773,156,170  $        403,169,471
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        703,400,916  $      1,326,950,737  $        772,788,217  $        403,098,902
   Net assets from Contracts in payout..            1,383,877               135,956               367,953                70,569
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        704,784,793  $      1,327,086,693  $        773,156,170  $        403,169,471
                                         ====================  ====================  ====================  ====================


                                                                  BHFTI AMERICAN                              BHFTI BLACKROCK  
                                           BHFTI AMERICAN        FUNDS(R) MODERATE     BHFTI AQR GLOBAL       GLOBAL TACTICAL  
                                           FUNDS(R) GROWTH          ALLOCATION           RISK BALANCED          STRATEGIES     
                                              DIVISION               DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        315,250,776  $        782,649,529  $      1,003,736,400  $      1,660,961,199
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          315,250,776           782,649,529         1,003,736,400         1,660,961,199
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    2                     1                     1                     1
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    4                     2                     1                     4
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    6                     3                     2                     5
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        315,250,770  $        782,649,526  $      1,003,736,398  $      1,660,961,194
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        315,205,303  $        782,379,625  $      1,003,691,007  $      1,660,781,477
   Net assets from Contracts in payout..               45,467               269,901                45,391               179,717
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        315,250,770  $        782,649,526  $      1,003,736,398  $      1,660,961,194
                                         ====================  ====================  ====================  ====================



                                            BHFTI BLACKROCK      BHFTI BRIGHTHOUSE                                             
                                              HIGH YIELD       ASSET ALLOCATION 100                                            
                                               DIVISION              DIVISION                                                  
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $            389,658  $        204,491,236                                            
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................              389,658           204,491,236                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   --                     2                                            
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    1                     1                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                    1                     3                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $            389,657  $        204,491,233                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $            389,657  $        198,917,924                                            
   Net assets from Contracts in payout..                   --             5,573,309                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $            389,657  $        204,491,233                                            
                                         ====================  ====================                                            


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

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]


                                                                                      BHFTI BRIGHTHOUSE/    BHFTI BRIGHTHOUSE/ 
                                           BHFTI BRIGHTHOUSE     BHFTI BRIGHTHOUSE     ABERDEEN EMERGING          ARTISAN      
                                             BALANCED PLUS        SMALL CAP VALUE       MARKETS EQUITY         INTERNATIONAL   
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $      3,308,331,918  $         15,380,957  $         47,553,447  $              2,007
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................        3,308,331,918            15,380,957            47,553,447                 2,007
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    1                     3                     4                     1
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    1                     2                     2                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    2                     5                     6                     1
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $      3,308,331,916  $         15,380,952  $         47,553,441  $              2,006
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $      3,308,137,511  $         15,380,952  $         47,545,601  $              2,006
   Net assets from Contracts in payout..              194,405                    --                 7,840                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $      3,308,331,916  $         15,380,952  $         47,553,441  $              2,006
                                         ====================  ====================  ====================  ====================


                                                                BHFTI BRIGHTHOUSE/                           BHFTI BRIGHTHOUSE/
                                          BHFTI BRIGHTHOUSE/         FRANKLIN         BHFTI BRIGHTHOUSE/         WELLINGTON    
                                              EATON VANCE          LOW DURATION            TEMPLETON              LARGE CAP    
                                             FLOATING RATE         TOTAL RETURN       INTERNATIONAL BOND          RESEARCH     
                                               DIVISION              DIVISION              DIVISION               DIVISION     
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         29,267,600  $         75,568,736  $          6,165,088  $        636,225,844
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    10
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................           29,267,600            75,568,736             6,165,088           636,225,854
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    2                     3                     2                     7
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    1                     2                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    3                     5                     2                     7
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $         29,267,597  $         75,568,731  $          6,165,086  $        636,225,847
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         29,267,597  $         75,515,431  $          6,165,086  $        628,511,754
   Net assets from Contracts in payout..                   --                53,300                    --             7,714,093
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $         29,267,597  $         75,568,731  $          6,165,086  $        636,225,847
                                         ====================  ====================  ====================  ====================



                                             BHFTI CLARION       BHFTI CLEARBRIDGE                                             
                                          GLOBAL REAL ESTATE     AGGRESSIVE GROWTH                                             
                                               DIVISION              DIVISION                                                  
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        172,053,745  $        444,649,581                                            
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                    4                    18                                            
                                         --------------------  --------------------                                            
        Total Assets....................          172,053,749           444,649,599                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    5                     7                                            
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                    5                     7                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $        172,053,744  $        444,649,592                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        171,894,467  $        444,459,374                                            
   Net assets from Contracts in payout..              159,277               190,218                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $        172,053,744  $        444,649,592                                            
                                         ====================  ====================                                            


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]

                                           BHFTI FIDELITY                                                                      
                                         INSTITUTIONAL ASSET       BHFTI HARRIS          BHFTI INVESCO                         
                                            MANAGEMENT(R)             OAKMARK            BALANCED-RISK         BHFTI INVESCO   
                                          GOVERNMENT INCOME        INTERNATIONAL          ALLOCATION             COMSTOCK      
                                              DIVISION               DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        396,922,184  $        398,451,168  $        462,317,379  $             49,589
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          396,922,184           398,451,168           462,317,379                49,589
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    2                    10                     1                     1
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                     6                     1                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    2                    16                     2                     2
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        396,922,182  $        398,451,152  $        462,317,377  $             49,587
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        396,911,216  $        397,812,241  $        462,236,446  $             49,587
   Net assets from Contracts in payout..               10,966               638,911                80,931                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        396,922,182  $        398,451,152  $        462,317,377  $             49,587
                                         ====================  ====================  ====================  ====================



                                                                                            BHFTI                              
                                            BHFTI INVESCO       BHFTI JPMORGAN         JPMORGAN GLOBAL       BHFTI JPMORGAN    
                                          SMALL CAP GROWTH         CORE BOND          ACTIVE ALLOCATION      SMALL CAP VALUE   
                                              DIVISION             DIVISION               DIVISION              DIVISION       
                                         -------------------  --------------------  --------------------  -------------------- 
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        47,102,746  $         81,327,658  $        788,207,299  $         17,643,229 
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                  --                    --                    --                    -- 
                                         -------------------  --------------------  --------------------  -------------------- 
        Total Assets....................          47,102,746            81,327,658           788,207,299            17,643,229 
                                         -------------------  --------------------  --------------------  -------------------- 
LIABILITIES:                                                                                                                   
   Accrued fees.........................                  10                     1                     2                     5 
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   5                     1                     2                     2 
                                         -------------------  --------------------  --------------------  -------------------- 
        Total Liabilities...............                  15                     2                     4                     7 
                                         -------------------  --------------------  --------------------  -------------------- 

NET ASSETS.............................. $        47,102,731  $         81,327,656  $        788,207,295  $         17,643,222 
                                         ===================  ====================  ====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        47,081,218  $         81,291,378  $        788,189,606  $         17,642,417 
   Net assets from Contracts in payout..              21,513                36,278                17,689                   805 
                                         -------------------  --------------------  --------------------  -------------------- 
        Total Net Assets................ $        47,102,731  $         81,327,656  $        788,207,295  $         17,643,222 
                                         ===================  ====================  ====================  ==================== 



                                                                   BHFTI METLIFE                                               
                                          BHFTI LOOMIS SAYLES       MULTI-INDEX                                                
                                            GLOBAL MARKETS         TARGETED RISK                                               
                                               DIVISION              DIVISION                                                  
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         98,196,436  $        820,528,593                                            
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................           98,196,436           820,528,593                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    8                    --                                            
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                     2                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                    8                     2                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $         98,196,428  $        820,528,591                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         98,187,494  $        820,491,539                                            
   Net assets from Contracts in payout..                8,934                37,052                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $         98,196,428  $        820,528,591                                            
                                         ====================  ====================                                            


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]

                                             BHFTI MFS(R)            BHFTI                                       BHFTI       
                                               RESEARCH         MORGAN STANLEY       BHFTI OPPENHEIMER      PANAGORA GLOBAL  
                                             INTERNATIONAL      MID CAP GROWTH         GLOBAL EQUITY       DIVERSIFIED RISK  
                                               DIVISION            DIVISION              DIVISION              DIVISION      
                                         -------------------  -------------------  --------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       153,947,910  $       340,007,460  $        226,269,180  $         72,446,308
   Due from Metropolitan Life                                                                                                
     Insurance Company..................                   8                   --                    --                    --
                                         -------------------  -------------------  --------------------  --------------------
        Total Assets....................         153,947,918          340,007,460           226,269,180            72,446,308
                                         -------------------  -------------------  --------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   6                    6                     7                    --
   Due to Metropolitan Life                                                                                                  
     Insurance Company..................                  --                   21                     9                    --
                                         -------------------  -------------------  --------------------  --------------------
        Total Liabilities...............                   6                   27                    16                    --
                                         -------------------  -------------------  --------------------  --------------------

NET ASSETS.............................. $       153,947,912  $       340,007,433  $        226,269,164  $         72,446,308
                                         ===================  ===================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       153,583,442  $       339,377,280  $        226,005,628  $         72,419,503
   Net assets from Contracts in payout..             364,470              630,153               263,536                26,805
                                         -------------------  -------------------  --------------------  --------------------
        Total Net Assets................ $       153,947,912  $       340,007,433  $        226,269,164  $         72,446,308
                                         ===================  ===================  ====================  ====================


                                                 BHFTI                                                           BHFTI       
                                            PIMCO INFLATION         BHFTI PIMCO       BHFTI SCHRODERS         SSGA GROWTH    
                                            PROTECTED BOND         TOTAL RETURN     GLOBAL MULTI-ASSET      AND INCOME ETF   
                                               DIVISION              DIVISION            DIVISION              DIVISION      
                                         --------------------  -------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        349,179,160  $       757,914,156  $       768,330,203  $        680,006,928
   Due from Metropolitan Life                                                                                                
     Insurance Company..................                    1                    5                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
        Total Assets....................          349,179,161          757,914,161          768,330,203           680,006,928
                                         --------------------  -------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                    6                    3                    1                     3
   Due to Metropolitan Life                                                                                                  
     Insurance Company..................                   --                   --                    1                     2
                                         --------------------  -------------------  -------------------  --------------------
        Total Liabilities...............                    6                    3                    2                     5
                                         --------------------  -------------------  -------------------  --------------------

NET ASSETS.............................. $        349,179,155  $       757,914,158  $       768,330,201  $        680,006,923
                                         ====================  ===================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        348,737,705  $       757,294,984  $       768,156,166  $        679,812,678
   Net assets from Contracts in payout..              441,450              619,174              174,035               194,245
                                         --------------------  -------------------  -------------------  --------------------
        Total Net Assets................ $        349,179,155  $       757,914,158  $       768,330,201  $        680,006,923
                                         ====================  ===================  ===================  ====================



                                                 BHFTI          BHFTI T. ROWE PRICE                                          
                                            SSGA GROWTH ETF       LARGE CAP VALUE                                            
                                               DIVISION              DIVISION                                                
                                         --------------------  --------------------                                          
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        127,430,866  $           409,219                                           
   Due from Metropolitan Life                                                                                                
     Insurance Company..................                   --                   --                                           
                                         --------------------  --------------------                                          
        Total Assets....................          127,430,866              409,219                                           
                                         --------------------  --------------------                                          
LIABILITIES:                                                                                                                 
   Accrued fees.........................                    1                   --                                           
   Due to Metropolitan Life                                                                                                  
     Insurance Company..................                    1                    1                                           
                                         --------------------  --------------------                                          
        Total Liabilities...............                    2                    1                                           
                                         --------------------  --------------------                                          

NET ASSETS.............................. $        127,430,864  $           409,218                                           
                                         ====================  ====================                                          
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        127,409,958  $           409,218                                           
   Net assets from Contracts in payout..               20,906                   --                                           
                                         --------------------  --------------------                                          
        Total Net Assets................ $        127,430,864  $           409,218                                           
                                         ====================  ====================                                          


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]

                                                                                          BHFTI VICTORY          BHFTI WELLS    
                                          BHFTI T. ROWE PRICE     BHFTI TCW CORE            SYCAMORE         CAPITAL MANAGEMENT 
                                            MID CAP GROWTH         FIXED INCOME           MID CAP VALUE         MID CAP VALUE   
                                               DIVISION              DIVISION               DIVISION              DIVISION      
                                         --------------------  ---------------------  --------------------  --------------------
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $        430,092,964  $             238,242  $        327,214,073  $            289,514
   Due from Metropolitan Life                                                                                                   
     Insurance Company..................                   --                     --                    --                    --
                                         --------------------  ---------------------  --------------------  --------------------
        Total Assets....................          430,092,964                238,242           327,214,073               289,514
                                         --------------------  ---------------------  --------------------  --------------------
LIABILITIES:                                                                                                                    
   Accrued fees.........................                    3                     --                    11                     1
   Due to Metropolitan Life                                                                                                     
     Insurance Company..................                    2                     --                     6                    --
                                         --------------------  ---------------------  --------------------  --------------------
        Total Liabilities...............                    5                     --                    17                     1
                                         --------------------  ---------------------  --------------------  --------------------

NET ASSETS.............................. $        430,092,959  $             238,242  $        327,214,056  $            289,513
                                         ====================  =====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $        429,626,881  $             238,242  $        326,612,035  $            289,513
   Net assets from Contracts in payout..              466,078                     --               602,021                    --
                                         --------------------  ---------------------  --------------------  --------------------
        Total Net Assets................ $        430,092,959  $             238,242  $        327,214,056  $            289,513
                                         ====================  =====================  ====================  ====================


                                                BHFTII                                                       BHFTII BLACKROCK   
                                            BAILLIE GIFFORD      BHFTII BLACKROCK      BHFTII BLACKROCK         ULTRA-SHORT     
                                          INTERNATIONAL STOCK       BOND INCOME      CAPITAL APPRECIATION        TERM BOND      
                                               DIVISION              DIVISION              DIVISION              DIVISION       
                                         --------------------  --------------------  --------------------  -------------------- 
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $        106,646,296  $        391,692,989  $        170,334,158  $         50,362,904 
   Due from Metropolitan Life                                                                                                   
     Insurance Company..................                   --                    42                     3                    -- 
                                         --------------------  --------------------  --------------------  -------------------- 
        Total Assets....................          106,646,296           391,693,031           170,334,161            50,362,904 
                                         --------------------  --------------------  --------------------  -------------------- 
LIABILITIES:                                                                                                                    
   Accrued fees.........................                    6                     5                     6                     6 
   Due to Metropolitan Life                                                                                                     
     Insurance Company..................                   14                    --                    --                     1 
                                         --------------------  --------------------  --------------------  -------------------- 
        Total Liabilities...............                   20                     5                     6                     7 
                                         --------------------  --------------------  --------------------  -------------------- 

NET ASSETS.............................. $        106,646,276  $        391,693,026  $        170,334,155  $         50,362,897 
                                         ====================  ====================  ====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $        106,311,640  $        389,589,335  $        169,361,927  $         50,021,519 
   Net assets from Contracts in payout..              334,636             2,103,691               972,228               341,378 
                                         --------------------  --------------------  --------------------  -------------------- 
        Total Net Assets................ $        106,646,276  $        391,693,026  $        170,334,155  $         50,362,897 
                                         ====================  ====================  ====================  ==================== 



                                           BHFTII BRIGHTHOUSE    BHFTII BRIGHTHOUSE                                             
                                           ASSET ALLOCATION 20   ASSET ALLOCATION 40                                            
                                                DIVISION              DIVISION                                                  
                                         ---------------------  --------------------                                            
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $        335,855,276   $        925,660,949                                            
   Due from Metropolitan Life                                                                                                   
     Insurance Company..................                   --                     --                                            
                                         ---------------------  --------------------                                            
        Total Assets....................          335,855,276            925,660,949                                            
                                         ---------------------  --------------------                                            
LIABILITIES:                                                                                                                    
   Accrued fees.........................                    1                     --                                            
   Due to Metropolitan Life                                                                                                     
     Insurance Company..................                    2                      2                                            
                                         ---------------------  --------------------                                            
        Total Liabilities...............                    3                      2                                            
                                         ---------------------  --------------------                                            

NET ASSETS.............................. $        335,855,273   $        925,660,947                                            
                                         =====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $        335,609,504   $        924,988,451                                            
   Net assets from Contracts in payout..              245,769                672,496                                            
                                         ---------------------  --------------------                                            
        Total Net Assets................ $        335,855,273   $        925,660,947                                            
                                         =====================  ====================                                            


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]


                                                                                                           BHFTII BRIGHTHOUSE/ 
                                                                                      BHFTII BRIGHTHOUSE/      DIMENSIONAL     
                                          BHFTII BRIGHTHOUSE    BHFTII BRIGHTHOUSE          ARTISAN           INTERNATIONAL    
                                          ASSET ALLOCATION 60   ASSET ALLOCATION 80      MID CAP VALUE        SMALL COMPANY    
                                               DIVISION              DIVISION              DIVISION             DIVISION       
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $      3,131,421,273  $      1,533,821,667  $        171,734,118  $          7,285,392
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................        3,131,421,273         1,533,821,667           171,734,118             7,285,392
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   --                    --                     8                     5
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                    3                     2                     5                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    3                     2                    13                     6
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $      3,131,421,270  $      1,533,821,665  $        171,734,105  $          7,285,386
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $      3,129,803,625  $      1,531,298,719  $        171,012,491  $          7,285,386
   Net assets from Contracts in payout..            1,617,645             2,522,946               721,614                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $      3,131,421,270  $      1,533,821,665  $        171,734,105  $          7,285,386
                                         ====================  ====================  ====================  ====================



                                                                BHFTII BRIGHTHOUSE/                                            
                                                                    WELLINGTON              BHFTII                             
                                         BHFTII BRIGHTHOUSE/        CORE EQUITY            FRONTIER               BHFTII       
                                         WELLINGTON BALANCED       OPPORTUNITIES        MID CAP GROWTH        JENNISON GROWTH  
                                              DIVISION               DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        521,756,855  $        471,467,581  $        422,776,435  $        185,385,859
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   45                    --                     6                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          521,756,900           471,467,581           422,776,441           185,385,859
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    2                     9                     4                     6
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    14                    --                     5
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    2                    23                     4                    11
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        521,756,898  $        471,467,558  $        422,776,437  $        185,385,848
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        513,860,340  $        469,163,451  $        421,784,553  $        185,023,380
   Net assets from Contracts in payout..            7,896,558             2,304,107               991,884               362,468
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        521,756,898  $        471,467,558  $        422,776,437  $        185,385,848
                                         ====================  ====================  ====================  ====================



                                                BHFTII                BHFTII                                                   
                                             LOOMIS SAYLES         LOOMIS SAYLES                                               
                                            SMALL CAP CORE       SMALL CAP GROWTH                                              
                                               DIVISION              DIVISION                                                  
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        144,075,687  $         54,202,428                                            
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................          144,075,687            54,202,428                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    6                     5                                            
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   32                     4                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                   38                     9                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $        144,075,649  $         54,202,419                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        143,176,289  $         54,147,911                                            
   Net assets from Contracts in payout..              899,360                54,508                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $        144,075,649  $         54,202,419                                            
                                         ====================  ====================                                            


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]


                                            BHFTII METLIFE         BHFTII METLIFE        BHFTII METLIFE        BHFTII METLIFE    
                                         AGGREGATE BOND INDEX    MID CAP STOCK INDEX   MSCI EAFE(R) INDEX   RUSSELL 2000(R) INDEX
                                               DIVISION               DIVISION              DIVISION              DIVISION       
                                         ---------------------  --------------------  --------------------  ---------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $        974,062,168   $        453,810,250  $        424,811,679  $        297,512,817 
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   --                      7                    --                    22 
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Assets....................          974,062,168            453,810,257           424,811,679           297,512,839 
                                         ---------------------  --------------------  --------------------  ---------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    3                      6                     5                     9 
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                   18                     --                     4                    -- 
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Liabilities...............                   21                      6                     9                     9 
                                         ---------------------  --------------------  --------------------  ---------------------

NET ASSETS.............................. $        974,062,147   $        453,810,251  $        424,811,670  $        297,512,830 
                                         =====================  ====================  ====================  =====================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $        971,492,121   $        452,990,558  $        424,293,975  $        297,118,925 
   Net assets from Contracts in payout..            2,570,026                819,693               517,695               393,905 
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Net Assets................ $        974,062,147   $        453,810,251  $        424,811,670  $        297,512,830 
                                         =====================  ====================  ====================  =====================


                                                                                                                  BHFTII         
                                            BHFTII METLIFE         BHFTII MFS(R)                             NEUBERGER BERMAN    
                                              STOCK INDEX          TOTAL RETURN       BHFTII MFS(R) VALUE         GENESIS        
                                               DIVISION              DIVISION              DIVISION              DIVISION        
                                         --------------------  --------------------  --------------------  --------------------  
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $      2,669,705,770  $        117,516,288  $        598,234,097  $        255,498,599  
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                     5                     6  
                                         --------------------  --------------------  --------------------  --------------------  
        Total Assets....................        2,669,705,770           117,516,288           598,234,102           255,498,605  
                                         --------------------  --------------------  --------------------  --------------------  
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    5                     3                     8                     6  
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                   42                    70                    --                    --  
                                         --------------------  --------------------  --------------------  --------------------  
        Total Liabilities...............                   47                    73                     8                     6  
                                         --------------------  --------------------  --------------------  --------------------  

NET ASSETS.............................. $      2,669,705,723  $        117,516,215  $        598,234,094  $        255,498,599  
                                         ====================  ====================  ====================  ====================  
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $      2,634,491,971  $        115,909,946  $        592,693,784  $        254,738,812  
   Net assets from Contracts in payout..           35,213,752             1,606,269             5,540,310               759,787  
                                         --------------------  --------------------  --------------------  --------------------  
        Total Net Assets................ $      2,669,705,723  $        117,516,215  $        598,234,094  $        255,498,599  
                                         ====================  ====================  ====================  ====================  


                                                BHFTII                BHFTII                                                     
                                             T. ROWE PRICE         T. ROWE PRICE                                                 
                                           LARGE CAP GROWTH      SMALL CAP GROWTH                                                
                                               DIVISION              DIVISION                                                    
                                         --------------------  --------------------                                              
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $        539,361,971  $        388,577,929                                              
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   11                     7                                              
                                         --------------------  --------------------                                              
        Total Assets....................          539,361,982           388,577,936                                              
                                         --------------------  --------------------                                              
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    5                     5                                              
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                   --                    --                                              
                                         --------------------  --------------------                                              
        Total Liabilities...............                    5                     5                                              
                                         --------------------  --------------------                                              

NET ASSETS.............................. $        539,361,977  $        388,577,931                                              
                                         ====================  ====================                                              
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $        529,461,033  $        388,101,373                                              
   Net assets from Contracts in payout..            9,900,944               476,558                                              
                                         --------------------  --------------------                                              
        Total Net Assets................ $        539,361,977  $        388,577,931                                              
                                         ====================  ====================                                              


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]

                                                                  BHFTII WESTERN                                                 
                                                BHFTII           ASSET MANAGEMENT       BHFTII WESTERN                           
                                            VAN ECK GLOBAL        STRATEGIC BOND       ASSET MANAGEMENT           BLACKROCK      
                                           NATURAL RESOURCES       OPPORTUNITIES        U.S. GOVERNMENT    GLOBAL ALLOCATION V.I.
                                               DIVISION              DIVISION              DIVISION               DIVISION       
                                         --------------------  --------------------  --------------------  ----------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         24,101,863  $        422,543,764  $        137,000,889   $              88,249
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   --                     6                    --                      --
                                         --------------------  --------------------  --------------------  ----------------------
        Total Assets....................           24,101,863           422,543,770           137,000,889                  88,249
                                         --------------------  --------------------  --------------------  ----------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    3                     8                     7                       1
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                    1                    --                     1                      --
                                         --------------------  --------------------  --------------------  ----------------------
        Total Liabilities...............                    4                     8                     8                       1
                                         --------------------  --------------------  --------------------  ----------------------

NET ASSETS.............................. $         24,101,859  $        422,543,762  $        137,000,881   $              88,248
                                         ====================  ====================  ====================  ======================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         24,101,859  $        421,006,905  $        136,768,202   $              88,248
   Net assets from Contracts in payout..                   --             1,536,857               232,679                      --
                                         --------------------  --------------------  --------------------  ----------------------
        Total Net Assets................ $         24,101,859  $        422,543,762  $        137,000,881   $              88,248
                                         ====================  ====================  ====================  ======================



                                              CALVERT VP            CALVERT VP            DELAWARE VIP          FIDELITY(R) VIP  
                                             SRI BALANCED           SRI MID CAP          SMALL CAP VALUE          CONTRAFUND     
                                               DIVISION              DIVISION               DIVISION               DIVISION      
                                         --------------------  ---------------------  ---------------------  --------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         44,653,284  $           7,168,515  $               7,334  $            603,131
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   --                     --                     --                     1
                                         --------------------  ---------------------  ---------------------  --------------------
        Total Assets....................           44,653,284              7,168,515                  7,334               603,132
                                         --------------------  ---------------------  ---------------------  --------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    1                     --                     --                     1
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                   --                      1                      1                    --
                                         --------------------  ---------------------  ---------------------  --------------------
        Total Liabilities...............                    1                      1                      1                     1
                                         --------------------  ---------------------  ---------------------  --------------------

NET ASSETS.............................. $         44,653,283  $           7,168,514  $               7,333  $            603,131
                                         ====================  =====================  =====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         44,653,283  $           7,168,514  $               7,333  $            603,131
   Net assets from Contracts in payout..                   --                     --                     --                    --
                                         --------------------  ---------------------  ---------------------  --------------------
        Total Net Assets................ $         44,653,283  $           7,168,514  $               7,333  $            603,131
                                         ====================  =====================  =====================  ====================



                                            FIDELITY(R) VIP        FIDELITY(R) VIP                                               
                                             EQUITY-INCOME          FREEDOM 2020                                                 
                                               DIVISION               DIVISION                                                   
                                         --------------------  ---------------------                                             
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         63,735,710  $           1,037,993                                             
   Due from Metropolitan Life                                                                                                    
     Insurance Company..................                   --                     --                                             
                                         --------------------  ---------------------                                             
        Total Assets....................           63,735,710              1,037,993                                             
                                         --------------------  ---------------------                                             
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    2                      1                                             
   Due to Metropolitan Life                                                                                                      
     Insurance Company..................                    1                      1                                             
                                         --------------------  ---------------------                                             
        Total Liabilities...............                    3                      2                                             
                                         --------------------  ---------------------                                             

NET ASSETS.............................. $         63,735,707  $           1,037,991                                             
                                         ====================  =====================                                             
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         62,825,788  $           1,037,991                                             
   Net assets from Contracts in payout..              909,919                     --                                             
                                         --------------------  ---------------------                                             
        Total Net Assets................ $         63,735,707  $           1,037,991                                             
                                         ====================  =====================                                             


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

                                                        [Enlarge/Download Table]


                                            FIDELITY(R) VIP       FIDELITY(R) VIP       FIDELITY(R) VIP       FIDELITY(R) VIP      
                                             FREEDOM 2025          FREEDOM 2030          FREEDOM 2035          FREEDOM 2040        
                                               DIVISION              DIVISION              DIVISION              DIVISION          
                                         --------------------  --------------------  --------------------  --------------------    
                                                                                                                                   
ASSETS:                                                                                                                            
   Investments at fair value............ $          1,132,048  $          2,953,025  $            105,595  $            498,780    
   Due from Metropolitan Life                                                                                                      
     Insurance Company..................                   --                    --                    --                    --    
                                         --------------------  --------------------  --------------------  --------------------    
        Total Assets....................            1,132,048             2,953,025               105,595               498,780    
                                         --------------------  --------------------  --------------------  --------------------    
LIABILITIES:                                                                                                                       
   Accrued fees.........................                   --                     1                     2                     1    
   Due to Metropolitan Life                                                                                                        
     Insurance Company..................                    3                     2                     2                     2    
                                         --------------------  --------------------  --------------------  --------------------    
        Total Liabilities...............                    3                     3                     4                     3    
                                         --------------------  --------------------  --------------------  --------------------    

NET ASSETS.............................. $          1,132,045  $          2,953,022  $            105,591  $            498,777    
                                         ====================  ====================  ====================  ====================    
CONTRACT OWNERS' EQUITY                                                                                                            
   Net assets from accumulation units... $          1,132,045  $          2,953,022  $            105,591  $            498,777    
   Net assets from Contracts in payout..                   --                    --                    --                    --    
                                         --------------------  --------------------  --------------------  --------------------    
        Total Net Assets................ $          1,132,045  $          2,953,022  $            105,591  $            498,777    
                                         ====================  ====================  ====================  ====================    



                                            FIDELITY(R) VIP         FIDELITY(R) VIP        FIDELITY(R) VIP        FIDELITY(R) VIP  
                                             FREEDOM 2045            FREEDOM 2050         FUNDSMANAGER 50%       FUNDSMANAGER 60%  
                                               DIVISION                DIVISION               DIVISION               DIVISION      
                                         ---------------------  ---------------------  ---------------------  ---------------------
                                                                                                                                   
ASSETS:                                                                                                                            
   Investments at fair value............ $             124,902  $             362,111  $         258,652,350  $         229,662,249
   Due from Metropolitan Life                                                                                                      
     Insurance Company..................                    --                     --                     --                     --
                                         ---------------------  ---------------------  ---------------------  ---------------------
        Total Assets....................               124,902                362,111            258,652,350            229,662,249
                                         ---------------------  ---------------------  ---------------------  ---------------------
LIABILITIES:                                                                                                                       
   Accrued fees.........................                    --                     --                     --                     --
   Due to Metropolitan Life                                                                                                        
     Insurance Company..................                     2                      2                     --                      1
                                         ---------------------  ---------------------  ---------------------  ---------------------
        Total Liabilities...............                     2                      2                     --                      1
                                         ---------------------  ---------------------  ---------------------  ---------------------

NET ASSETS.............................. $             124,900  $             362,109  $         258,652,350  $         229,662,248
                                         =====================  =====================  =====================  =====================
CONTRACT OWNERS' EQUITY                                                                                                            
   Net assets from accumulation units... $             124,900  $             362,109  $         258,652,350  $         229,662,248
   Net assets from Contracts in payout..                    --                     --                     --                     --
                                         ---------------------  ---------------------  ---------------------  ---------------------
        Total Net Assets................ $             124,900  $             362,109  $         258,652,350  $         229,662,248
                                         =====================  =====================  =====================  =====================


                                             FIDELITY(R) VIP                                                                       
                                            GOVERNMENT MONEY                                                                       
                                                 MARKET         FIDELITY(R) VIP GROWTH                                             
                                                DIVISION               DIVISION                                                    
                                         ---------------------  ----------------------                                             
                                                                                                                                   
ASSETS:                                                                                                                            
   Investments at fair value............ $           5,355,641  $          87,558,491                                              
   Due from Metropolitan Life                                                                                                      
     Insurance Company..................                    --                     --                                              
                                         ---------------------  ----------------------                                             
        Total Assets....................             5,355,641             87,558,491                                              
                                         ---------------------  ----------------------                                             
LIABILITIES:                                                                                                                       
   Accrued fees.........................                    --                     --                                              
   Due to Metropolitan Life                                                                                                        
     Insurance Company..................                    --                      1                                              
                                         ---------------------  ----------------------                                             
        Total Liabilities...............                    --                      1                                              
                                         ---------------------  ----------------------                                             

NET ASSETS.............................. $           5,355,641  $          87,558,490                                              
                                         =====================  ======================                                             
CONTRACT OWNERS' EQUITY                                                                                                            
   Net assets from accumulation units... $           5,355,641  $          87,558,490                                              
   Net assets from Contracts in payout..                    --                     --                                              
                                         ---------------------  ----------------------                                             
        Total Net Assets................ $           5,355,641  $          87,558,490                                              
                                         =====================  ======================                                             


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2018   

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                                            FIDELITY(R) VIP                            FTVIPT TEMPLETON                        
                                           INVESTMENT GRADE       FIDELITY(R) VIP         DEVELOPING         FTVIPT TEMPLETON  
                                                 BOND                 MID CAP             MARKETS VIP           FOREIGN VIP    
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $          8,809,328  $            418,140  $            135,271  $                610
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................            8,809,328               418,140               135,271                   610
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   --                    --                    --                     1
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   --                    --                    --                     1
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $          8,809,328  $            418,140  $            135,271  $                609
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $          8,809,328  $            418,140  $            135,271  $                609
   Net assets from Contracts in payout..                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $          8,809,328  $            418,140  $            135,271  $                609
                                         ====================  ====================  ====================  ====================


                                                                                            LMPVET                LMPVET       
                                             IVY VIP ASSET        JANUS HENDERSON    CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE
                                               STRATEGY             ENTERPRISE           APPRECIATION        DIVIDEND STRATEGY 
                                               DIVISION              DIVISION              DIVISION              DIVISION      
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $              2,018  $            105,151  $             42,700  $             64,392
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................                2,018               105,151                42,700                64,392
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    1                     1                    --                    --
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    1                     1                    --                    --
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $              2,017  $            105,150  $             42,700  $             64,392
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $              2,017  $            105,150  $             42,700  $             64,392
   Net assets from Contracts in payout..                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $              2,017  $            105,150  $             42,700  $             64,392
                                         ====================  ====================  ====================  ====================


                                                LMPVET                LMPVET                                                   
                                         CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE                                            
                                           LARGE CAP GROWTH      SMALL CAP GROWTH                                              
                                               DIVISION              DIVISION                                                  
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $            489,482  $             15,048                                            
   Due from Metropolitan Life                                                                                                  
     Insurance Company..................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................              489,482                15,048                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                    1                     1                                            
   Due to Metropolitan Life                                                                                                    
     Insurance Company..................                   --                     1                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                    1                     2                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $            489,481  $             15,046                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $            489,481  $             15,046                                            
   Net assets from Contracts in payout..                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $            489,481  $             15,046                                            
                                         ====================  ====================                                            


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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONCLUDED)   
DECEMBER 31, 2018   

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                                                                                       OPPENHEIMER GLOBAL          PIMCO VIT      
                                            LMPVIT WESTERN      MORGAN STANLEY VIF     MULTI-ALTERNATIVES   COMMODITYREALRETURN(R)
                                            ASSET CORE PLUS    GLOBAL INFRASTRUCTURE         FUND/VA               STRATEGY       
                                               DIVISION              DIVISION               DIVISION               DIVISION       
                                         --------------------  ---------------------  --------------------  ----------------------
                                                                                                                                  
ASSETS:                                                                                                                           
   Investments at fair value............ $             83,068  $             62,114   $             14,988   $             35,712 
   Due from Metropolitan Life                                                                                                     
     Insurance Company..................                   --                    --                     --                     -- 
                                         --------------------  ---------------------  --------------------  ----------------------
        Total Assets....................               83,068                62,114                 14,988                 35,712 
                                         --------------------  ---------------------  --------------------  ----------------------
LIABILITIES:                                                                                                                      
   Accrued fees.........................                   --                    --                     --                      3 
   Due to Metropolitan Life                                                                                                       
     Insurance Company..................                   --                    --                     --                     -- 
                                         --------------------  ---------------------  --------------------  ----------------------
        Total Liabilities...............                   --                    --                     --                      3 
                                         --------------------  ---------------------  --------------------  ----------------------

NET ASSETS.............................. $             83,068  $             62,114   $             14,988   $             35,709 
                                         ====================  =====================  ====================  ======================
CONTRACT OWNERS' EQUITY                                                                                                           
   Net assets from accumulation units... $             83,068  $             62,114   $             14,988   $             35,709 
   Net assets from Contracts in payout..                   --                    --                     --                     -- 
                                         --------------------  ---------------------  --------------------  ----------------------
        Total Net Assets................ $             83,068  $             62,114   $             14,988   $             35,709 
                                         ====================  =====================  ====================  ======================


                                                                     PIMCO VIT         TAP 1919 VARIABLE                          
                                               PIMCO VIT         EMERGING MARKETS     SOCIALLY RESPONSIVE                         
                                             DYNAMIC BOND              BOND                BALANCED                               
                                               DIVISION              DIVISION              DIVISION                               
                                         --------------------  --------------------  --------------------                         
                                                                                                                                  
ASSETS:                                                                                                                           
   Investments at fair value............ $             85,044  $             62,181  $             26,671                         
   Due from Metropolitan Life                                                                                                     
     Insurance Company..................                   --                    --                     1                         
                                         --------------------  --------------------  --------------------                         
        Total Assets....................               85,044                62,181                26,672                         
                                         --------------------  --------------------  --------------------                         
LIABILITIES:                                                                                                                      
   Accrued fees.........................                    1                     1                     1                         
   Due to Metropolitan Life                                                                                                       
     Insurance Company..................                    1                    --                    --                         
                                         --------------------  --------------------  --------------------                         
        Total Liabilities...............                    2                     1                     1                         
                                         --------------------  --------------------  --------------------                         

NET ASSETS.............................. $             85,042  $             62,180  $             26,671                         
                                         ====================  ====================  ====================                         
CONTRACT OWNERS' EQUITY                                                                                                           
   Net assets from accumulation units... $             85,042  $             62,180  $             26,671                         
   Net assets from Contracts in payout..                   --                    --                    --                         
                                         --------------------  --------------------  --------------------                         
        Total Net Assets................ $             85,042  $             62,180  $             26,671                         
                                         ====================  ====================  ====================                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS    
FOR THE YEAR ENDED DECEMBER 31, 2018    

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                                                                                            AMERICAN FUNDS(R) 
                                                AMERICAN FUNDS(R)     AMERICAN FUNDS(R)       GLOBAL SMALL    
                                                      BOND              GLOBAL GROWTH        CAPITALIZATION   
                                                    DIVISION              DIVISION              DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          1,897,998  $              1,946  $            380,269
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................            1,038,340                 2,600             5,912,751
      Administrative charges.................              175,329                   324               929,516
                                              --------------------  --------------------  --------------------
         Total expenses......................            1,213,669                 2,924             6,842,267
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......              684,329                 (978)           (6,461,998)
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............              115,391                21,488            21,448,293
      Realized gains (losses) on sale of                                                                      
         investments.........................            (910,035)                20,696            11,944,018
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......            (794,644)                42,184            33,392,311
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................          (1,887,366)              (65,677)          (77,795,335)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................          (2,682,010)              (23,493)          (44,403,024)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $        (1,997,681)  $           (24,471)  $       (50,865,022)
                                              ====================  ====================  ====================



                                               AMERICAN FUNDS(R)      AMERICAN FUNDS(R)     BHFTI AB GLOBAL   
                                                    GROWTH              GROWTH-INCOME     DYNAMIC ALLOCATION  
                                                   DIVISION               DIVISION             DIVISION       
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          4,427,211  $         11,044,694  $         25,059,637
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................           13,203,843            10,281,794            15,005,102
      Administrative charges.................            1,919,073             1,559,815             3,796,658
                                              --------------------  --------------------  --------------------
         Total expenses......................           15,122,916            11,841,609            18,801,760
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......         (10,695,705)             (796,915)             6,257,877
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............          105,999,586            56,417,446             6,078,823
      Realized gains (losses) on sale of                                                                      
         investments.........................           44,143,407            31,254,710            29,065,753
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......          150,142,993            87,672,156            35,144,576
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................        (143,530,513)         (103,808,158)         (164,320,962)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................            6,612,480          (16,136,002)         (129,176,386)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $        (4,083,225)  $       (16,932,917)  $      (122,918,509)
                                              ====================  ====================  ====================


                                                  BHFTI ALLIANZ                                               
                                                GLOBAL INVESTORS       BHFTI AMERICAN        BHFTI AMERICAN   
                                               DYNAMIC MULTI-ASSET    FUNDS(R) BALANCED      FUNDS(R) GROWTH  
                                                      PLUS               ALLOCATION            ALLOCATION     
                                                  DIVISION (a)            DIVISION              DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          1,610,216  $         12,731,814  $          5,608,871
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................              259,275             8,782,762             4,757,494
      Administrative charges.................               64,831             2,118,208             1,103,904
                                              --------------------  --------------------  --------------------
         Total expenses......................              324,106            10,900,970             5,861,398
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......            1,286,110             1,830,844             (252,527)
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............            3,951,737            46,348,270            26,839,412
      Realized gains (losses) on sale of                                                                      
         investments.........................            1,852,431            11,789,111             9,030,816
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......            5,804,168            58,137,381            35,870,228
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................          (9,038,924)         (103,970,096)          (65,152,673)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................          (3,234,756)          (45,832,715)          (29,282,445)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $        (1,948,646)  $       (44,001,871)  $       (29,534,972)
                                              ====================  ====================  ====================



                                                 BHFTI AMERICAN                                               
                                                 FUNDS(R) GROWTH                                              
                                                    DIVISION                                                  
                                              --------------------                                            
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          1,481,450                                            
                                              --------------------                                            
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................            3,901,711                                            
      Administrative charges.................              946,937                                            
                                              --------------------                                            
         Total expenses......................            4,848,648                                            
                                              --------------------                                            
           Net investment income (loss)......          (3,367,198)                                            
                                              --------------------                                            
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............           53,080,051                                            
      Realized gains (losses) on sale of                                                                      
         investments.........................           15,832,959                                            
                                              --------------------                                            
           Net realized gains (losses).......           68,913,010                                            
                                              --------------------                                            
      Change in unrealized gains (losses)                                                                     
         on investments......................         (65,213,137)                                            
                                              --------------------                                            
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................            3,699,873                                            
                                              --------------------                                            
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $            332,675                                            
                                              ====================                                            

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

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                                                 BHFTI AMERICAN                              BHFTI BLACKROCK  
                                                FUNDS(R) MODERATE    BHFTI AQR GLOBAL        GLOBAL TACTICAL  
                                                   ALLOCATION          RISK BALANCED           STRATEGIES     
                                                    DIVISION             DIVISION               DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $         15,195,384  $          4,349,308  $         26,903,010
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................            8,982,108            11,303,512            18,825,556
      Administrative charges.................            2,162,176             2,851,197             4,757,100
                                              --------------------  --------------------  --------------------
         Total expenses......................           11,144,284            14,154,709            23,582,656
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......            4,051,100           (9,805,401)             3,320,354
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............           42,409,200           105,253,250           134,693,215
      Realized gains (losses) on sale of                                                                      
         investments.........................            8,592,650          (32,965,523)             5,058,214
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......           51,001,850            72,287,727           139,751,429
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................         (93,170,445)         (147,999,159)         (298,288,753)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................         (42,168,595)          (75,711,432)         (158,537,324)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $       (38,117,495)  $       (85,516,833)  $      (155,216,970)
                                              ====================  ====================  ====================



                                                 BHFTI BLACKROCK      BHFTI BRIGHTHOUSE    BHFTI BRIGHTHOUSE  
                                                   HIGH YIELD       ASSET ALLOCATION 100     BALANCED PLUS    
                                                    DIVISION              DIVISION             DIVISION       
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $             20,351  $          2,694,056  $         61,254,948
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................                4,405             2,426,769            36,739,082
      Administrative charges.................                  898               570,478             9,235,220
                                              --------------------  --------------------  --------------------
         Total expenses......................                5,303             2,997,247            45,974,302
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......               15,048             (303,191)            15,280,646
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............                   --             8,660,608           314,712,923
      Realized gains (losses) on sale of                                                                      
         investments.........................                  300             4,057,224            15,505,128
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......                  300            12,717,832           330,218,051
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................             (31,733)          (37,541,071)         (656,965,469)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................             (31,433)          (24,823,239)         (326,747,418)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $           (16,385)  $       (25,126,430)  $      (311,466,772)
                                              ====================  ====================  ====================


                                                                     BHFTI BRIGHTHOUSE/    BHFTI BRIGHTHOUSE/ 
                                                BHFTI BRIGHTHOUSE     ABERDEEN EMERGING          ARTISAN      
                                                 SMALL CAP VALUE       MARKETS EQUITY         INTERNATIONAL   
                                                    DIVISION              DIVISION              DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $            195,036  $          1,368,929  $                 28
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................              171,822               531,226                    24
      Administrative charges.................               46,940               132,236                     4
                                              --------------------  --------------------  --------------------
         Total expenses......................              218,762               663,462                    28
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......             (23,726)               705,467                    --
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............            1,025,620                    --                    --
      Realized gains (losses) on sale of                                                                      
         investments.........................              264,126               632,886                   108
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......            1,289,746               632,886                   108
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................          (4,153,340)           (9,802,919)                 (357)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................          (2,863,594)           (9,170,033)                 (249)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $        (2,887,320)  $        (8,464,566)  $              (249)
                                              ====================  ====================  ====================


                                               BHFTI BRIGHTHOUSE/                                             
                                                   EATON VANCE                                                
                                                  FLOATING RATE                                               
                                                    DIVISION                                                  
                                              --------------------                                            
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          1,051,573                                            
                                              --------------------                                            
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................              346,539                                            
      Administrative charges.................               74,923                                            
                                              --------------------                                            
         Total expenses......................              421,462                                            
                                              --------------------                                            
           Net investment income (loss)......              630,111                                            
                                              --------------------                                            
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............                   --                                            
      Realized gains (losses) on sale of                                                                      
         investments.........................             (19,836)                                            
                                              --------------------                                            
           Net realized gains (losses).......             (19,836)                                            
                                              --------------------                                            
      Change in unrealized gains (losses)                                                                     
         on investments......................            (971,344)                                            
                                              --------------------                                            
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................            (991,180)                                            
                                              --------------------                                            
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $          (361,069)                                            
                                              ====================                                            

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]

                                               BHFTI BRIGHTHOUSE/                          BHFTI BRIGHTHOUSE/ 
                                                    FRANKLIN         BHFTI BRIGHTHOUSE/        WELLINGTON     
                                                  LOW DURATION            TEMPLETON             LARGE CAP     
                                                  TOTAL RETURN       INTERNATIONAL BOND         RESEARCH      
                                                    DIVISION              DIVISION              DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          1,420,455  $                 --  $          7,467,739
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................              827,961                69,528             7,197,359
      Administrative charges.................              190,567                17,241               290,895
                                              --------------------  --------------------  --------------------
         Total expenses......................            1,018,528                86,769             7,488,254
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......              401,927              (86,769)              (20,515)
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............                   --                    --            85,964,366
      Realized gains (losses) on sale of                                                                      
         investments.........................            (592,907)             (186,380)            23,996,409
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......            (592,907)             (186,380)           109,960,775
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................            (483,201)               259,364         (156,055,251)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................          (1,076,108)                72,984          (46,094,476)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $          (674,181)  $           (13,785)  $       (46,114,991)
                                              ====================  ====================  ====================


                                                                                             BHFTI FIDELITY   
                                                                                           INSTITUTIONAL ASSET
                                                  BHFTI CLARION       BHFTI CLEARBRIDGE       MANAGEMENT(R)   
                                               GLOBAL REAL ESTATE     AGGRESSIVE GROWTH     GOVERNMENT INCOME 
                                                    DIVISION              DIVISION              DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $         11,799,896  $          3,309,331  $         11,679,894
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................            2,082,790             5,671,040             4,260,489
      Administrative charges.................              419,328             1,184,547             1,053,525
                                              --------------------  --------------------  --------------------
         Total expenses......................            2,502,118             6,855,587             5,314,014
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......            9,297,778           (3,546,256)             6,365,880
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............                   --            25,545,886                    --
      Realized gains (losses) on sale of                                                                      
         investments.........................          (2,633,527)            32,834,205           (3,867,446)
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......          (2,633,527)            58,380,091           (3,867,446)
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................         (26,591,436)          (89,558,096)           (9,374,429)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................         (29,224,963)          (31,178,005)          (13,241,875)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $       (19,927,185)  $       (34,724,261)  $        (6,875,995)
                                              ====================  ====================  ====================



                                                  BHFTI HARRIS          BHFTI INVESCO                         
                                                     OAKMARK            BALANCED-RISK         BHFTI INVESCO   
                                                  INTERNATIONAL          ALLOCATION             COMSTOCK      
                                                    DIVISION              DIVISION              DIVISION      
                                              --------------------  --------------------  --------------------
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $          8,531,171  $          6,075,923  $                390
                                              --------------------  --------------------  --------------------
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................            5,160,072             5,218,524                   555
      Administrative charges.................            1,072,465             1,302,228                   131
                                              --------------------  --------------------  --------------------
         Total expenses......................            6,232,537             6,520,752                   686
                                              --------------------  --------------------  --------------------
           Net investment income (loss)......            2,298,634             (444,829)                 (296)
                                              --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............           20,509,801            40,780,773                 4,671
      Realized gains (losses) on sale of                                                                      
         investments.........................            4,359,615           (4,624,062)                   148
                                              --------------------  --------------------  --------------------
           Net realized gains (losses).......           24,869,416            36,156,711                 4,819
                                              --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                     
         on investments......................        (158,849,111)          (75,432,041)              (12,421)
                                              --------------------  --------------------  --------------------
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................        (133,979,695)          (39,275,330)               (7,602)
                                              --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $      (131,681,061)  $       (39,720,159)  $            (7,898)
                                              ====================  ====================  ====================



                                                  BHFTI INVESCO                                               
                                                SMALL CAP GROWTH                                              
                                                    DIVISION                                                  
                                              --------------------                                            
                                                                                                              
INVESTMENT INCOME:                                                                                            
      Dividends.............................. $                 --                                            
                                              --------------------                                            
EXPENSES:                                                                                                     
      Mortality and expense risk and                                                                          
         other charges.......................              607,350                                            
      Administrative charges.................              117,314                                            
                                              --------------------                                            
         Total expenses......................              724,664                                            
                                              --------------------                                            
           Net investment income (loss)......            (724,664)                                            
                                              --------------------                                            
NET REALIZED AND CHANGE IN                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                  
   ON INVESTMENTS:                                                                                            
      Realized gain distributions............            7,579,319                                            
      Realized gains (losses) on sale of                                                                      
         investments.........................              206,731                                            
                                              --------------------                                            
           Net realized gains (losses).......            7,786,050                                            
                                              --------------------                                            
      Change in unrealized gains (losses)                                                                     
         on investments......................         (12,142,503)                                            
                                              --------------------                                            
      Net realized and change in                                                                              
         unrealized gains (losses)                                                                            
         on investments......................          (4,356,453)                                            
                                              --------------------                                            
      Net increase (decrease) in net assets                                                                   
         resulting from operations........... $        (5,081,117)                                            
                                              ====================                                            

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]

                                                                           BHFTI                                                   
                                                BHFTI JPMORGAN        JPMORGAN GLOBAL       BHFTI JPMORGAN      BHFTI LOOMIS SAYLES
                                                   CORE BOND         ACTIVE ALLOCATION      SMALL CAP VALUE       GLOBAL MARKETS   
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          2,443,287  $         13,907,309  $            242,643  $          2,154,031
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................              956,906             8,582,780               230,002             1,207,782
      Administrative charges................              224,967             2,158,309                56,493               266,548
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................            1,181,873            10,741,089               286,495             1,474,330
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....            1,261,414             3,166,220              (43,852)               679,701
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --            46,725,615             1,331,671             7,418,735
      Realized gains (losses) on sale of                                                                                           
        investments.........................            (836,959)             3,686,566               688,041             5,483,249
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......            (836,959)            50,412,181             2,019,712            12,901,984
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................          (1,837,782)         (126,399,614)           (4,894,564)          (20,116,179)
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................          (2,674,741)          (75,987,433)           (2,874,852)           (7,214,195)
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $        (1,413,327)  $       (72,821,213)  $        (2,918,704)  $        (6,534,494)
                                             ====================  ====================  ====================  ====================


                                                 BHFTI METLIFE         BHFTI MFS(R)              BHFTI                             
                                                  MULTI-INDEX            RESEARCH           MORGAN STANLEY       BHFTI OPPENHEIMER 
                                                 TARGETED RISK         INTERNATIONAL        MID CAP GROWTH         GLOBAL EQUITY   
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         15,900,693  $          3,746,048  $                 --  $          2,981,521
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            9,072,983             1,911,169             4,403,639             2,978,210
      Administrative charges................            2,289,134               370,200               244,699               400,760
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................           11,362,117             2,281,369             4,648,338             3,378,970
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....            4,538,576             1,464,679           (4,648,338)             (397,449)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           58,839,570                    --            68,606,666            25,485,282
      Realized gains (losses) on sale of                                                                                           
        investments.........................            5,337,209             2,813,023            24,757,574            11,842,013
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......           64,176,779             2,813,023            93,364,240            37,327,295
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................        (145,430,446)          (31,784,610)          (56,133,261)          (73,719,904)
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (81,253,667)          (28,971,587)            37,230,979          (36,392,609)
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (76,715,091)  $       (27,506,908)  $         32,582,641  $       (36,790,058)
                                             ====================  ====================  ====================  ====================


                                                     BHFTI                 BHFTI                                                   
                                                PANAGORA GLOBAL       PIMCO INFLATION                                              
                                               DIVERSIFIED RISK       PROTECTED BOND                                               
                                                   DIVISION              DIVISION                                                  
                                             --------------------  -------------------                                             
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $                 --  $         6,296,408                                             
                                             --------------------  -------------------                                             
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................              862,456            4,043,561                                             
      Administrative charges................              215,435              923,567                                             
                                             --------------------  -------------------                                             
        Total expenses......................            1,077,891            4,967,128                                             
                                             --------------------  -------------------                                             
           Net investment income (loss).....          (1,077,891)            1,329,280                                             
                                             --------------------  -------------------                                             
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........            6,381,941                   --                                             
      Realized gains (losses) on sale of                                                                                           
        investments.........................              146,917          (9,388,897)                                             
                                             --------------------  -------------------                                             
           Net realized gains (losses)......            6,528,858          (9,388,897)                                             
                                             --------------------  -------------------                                             
      Change in unrealized gains (losses)                                                                                          
        on investments......................         (13,167,717)          (6,574,439)                                             
                                             --------------------  -------------------                                             
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................          (6,638,859)         (15,963,336)                                             
                                             --------------------  -------------------                                             
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $        (7,716,750)  $      (14,634,056)                                             
                                             ====================  ===================                                             

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]

                                                                                                                       BHFTI       
                                                  BHFTI PIMCO         BHFTI SCHRODERS       BHFTI SCHRODERS         SSGA GROWTH    
                                                 TOTAL RETURN       GLOBAL MULTI-ASSET   GLOBAL MULTI-ASSET II    AND INCOME ETF   
                                                   DIVISION              DIVISION            DIVISION (a)            DIVISION      
                                             --------------------  --------------------  ---------------------  -------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         11,680,938  $         12,723,835  $         6,969,912    $        18,559,516
                                             --------------------  --------------------  ---------------------  -------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            8,724,629             7,641,230            1,326,061              7,983,562
      Administrative charges................            1,911,204             1,923,936              332,989              1,981,266
                                             --------------------  --------------------  ---------------------  -------------------
        Total expenses......................           10,635,833             9,565,166            1,659,050              9,964,828
                                             --------------------  --------------------  ---------------------  -------------------
           Net investment income (loss).....            1,045,105             3,158,669            5,310,862              8,594,688
                                             --------------------  --------------------  ---------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --            42,752,085           54,403,161             35,417,526
      Realized gains (losses) on sale of                                                                                           
        investments.........................          (8,796,586)             3,151,953         (17,749,212)             12,012,881
                                             --------------------  --------------------  ---------------------  -------------------
           Net realized gains (losses)......          (8,796,586)            45,904,038           36,653,949             47,430,407
                                             --------------------  --------------------  ---------------------  -------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................          (6,466,381)         (128,644,774)         (59,788,846)          (113,441,953)
                                             --------------------  --------------------  ---------------------  -------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (15,262,967)          (82,740,736)         (23,134,897)           (66,011,546)
                                             --------------------  --------------------  ---------------------  -------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (14,217,862)  $       (79,582,067)  $      (17,824,035)    $      (57,416,858)
                                             ====================  ====================  =====================  ===================



                                                     BHFTI         BHFTI T. ROWE PRICE   BHFTI T. ROWE PRICE     BHFTI TCW CORE    
                                                SSGA GROWTH ETF      LARGE CAP VALUE       MID CAP GROWTH         FIXED INCOME     
                                                   DIVISION             DIVISION              DIVISION              DIVISION       
                                             --------------------  --------------------  -------------------  -------------------- 
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          2,980,722  $             9,284   $                --  $              5,782 
                                             --------------------  --------------------  -------------------  -------------------- 
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            1,490,155                5,018             5,229,632                 2,759 
      Administrative charges................              351,656                  973             1,030,405                   417 
                                             --------------------  --------------------  -------------------  -------------------- 
        Total expenses......................            1,841,811                5,991             6,260,037                 3,176 
                                             --------------------  --------------------  -------------------  -------------------- 
           Net investment income (loss).....            1,138,911                3,293           (6,260,037)                 2,606 
                                             --------------------  --------------------  -------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........            8,398,459               49,647            69,699,811                    -- 
      Realized gains (losses) on sale of                                                                                           
        investments.........................            2,117,700              (1,687)             9,790,001                 (511) 
                                             --------------------  --------------------  -------------------  -------------------- 
           Net realized gains (losses)......           10,516,159               47,960            79,489,812                 (511) 
                                             --------------------  --------------------  -------------------  -------------------- 
      Change in unrealized gains (losses)                                                                                          
        on investments......................         (25,633,736)             (98,805)          (85,021,781)               (5,232) 
                                             --------------------  --------------------  -------------------  -------------------- 
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (15,117,577)             (50,845)           (5,531,969)               (5,743) 
                                             --------------------  --------------------  -------------------  -------------------- 
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (13,978,666)  $          (47,552)   $      (11,792,006)  $            (3,137) 
                                             ====================  ====================  ===================  ==================== 


                                                 BHFTI VICTORY          BHFTI WELLS                                                
                                                   SYCAMORE         CAPITAL MANAGEMENT                                             
                                                 MID CAP VALUE         MID CAP VALUE                                               
                                                   DIVISION              DIVISION                                                  
                                             --------------------  --------------------                                            
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          2,522,800  $              3,263                                            
                                             --------------------  --------------------                                            
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            4,285,344                 3,647                                            
      Administrative charges................              699,444                   752                                            
                                             --------------------  --------------------                                            
        Total expenses......................            4,984,788                 4,399                                            
                                             --------------------  --------------------                                            
           Net investment income (loss).....          (2,461,988)               (1,136)                                            
                                             --------------------  --------------------                                            
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           69,887,009                29,154                                            
      Realized gains (losses) on sale of                                                                                           
        investments.........................            4,916,726                 (995)                                            
                                             --------------------  --------------------                                            
           Net realized gains (losses)......           74,803,735                28,159                                            
                                             --------------------  --------------------                                            
      Change in unrealized gains (losses)                                                                                          
        on investments......................        (112,705,634)              (76,605)                                            
                                             --------------------  --------------------                                            
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (37,901,899)              (48,446)                                            
                                             --------------------  --------------------                                            
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (40,363,887)  $           (49,582)                                            
                                             ====================  ====================                                            

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]


                                                     BHFTII                                                    
                                                 BAILLIE GIFFORD      BHFTII BLACKROCK      BHFTII BLACKROCK   
                                               INTERNATIONAL STOCK       BOND INCOME      CAPITAL APPRECIATION 
                                                    DIVISION              DIVISION              DIVISION       
                                              --------------------  --------------------  ---------------------
                                                                                                               
INVESTMENT INCOME:                                                                                             
      Dividends.............................. $          1,364,914  $         13,823,630  $              19,540
                                              --------------------  --------------------  ---------------------
EXPENSES:                                                                                                      
      Mortality and expense risk and                                                                           
         other charges.......................            1,460,817             4,585,925              2,026,933
      Administrative charges.................              151,975               807,665                464,094
                                              --------------------  --------------------  ---------------------
         Total expenses......................            1,612,792             5,393,590              2,491,027
                                              --------------------  --------------------  ---------------------
           Net investment income (loss)......            (247,878)             8,430,040            (2,471,487)
                                              --------------------  --------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                   
   ON INVESTMENTS:                                                                                             
      Realized gain distributions............                   --                    --             26,458,870
      Realized gains (losses) on sale of                                                                       
         investments.........................            2,678,723           (3,300,348)             12,429,188
                                              --------------------  --------------------  ---------------------
           Net realized gains (losses).......            2,678,723           (3,300,348)             38,888,058
                                              --------------------  --------------------  ---------------------
      Change in unrealized gains (losses)                                                                      
         on investments......................         (26,191,316)          (13,666,818)           (32,921,031)
                                              --------------------  --------------------  ---------------------
      Net realized and change in                                                                               
         unrealized gains (losses)                                                                             
         on investments......................         (23,512,593)          (16,967,166)              5,967,027
                                              --------------------  --------------------  ---------------------
      Net increase (decrease) in net assets                                                                    
         resulting from operations........... $       (23,760,471)  $        (8,537,126)  $           3,495,540
                                              ====================  ====================  =====================



                                                BHFTII BLACKROCK                                               
                                                   ULTRA-SHORT       BHFTII BRIGHTHOUSE     BHFTII BRIGHTHOUSE 
                                                    TERM BOND        ASSET ALLOCATION 20    ASSET ALLOCATION 40
                                                    DIVISION              DIVISION               DIVISION      
                                              --------------------  ---------------------  --------------------
                                                                                                               
INVESTMENT INCOME:                                                                                             
      Dividends.............................. $            404,209  $           8,139,991  $         21,319,732
                                              --------------------  ---------------------  --------------------
EXPENSES:                                                                                                      
      Mortality and expense risk and                                                                           
         other charges.......................              550,873              3,893,818            10,980,373
      Administrative charges.................              131,429                879,382             2,533,703
                                              --------------------  ---------------------  --------------------
         Total expenses......................              682,302              4,773,200            13,514,076
                                              --------------------  ---------------------  --------------------
           Net investment income (loss)......            (278,093)              3,366,791             7,805,656
                                              --------------------  ---------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                   
   ON INVESTMENTS:                                                                                             
      Realized gain distributions............                3,050              4,763,575            32,035,971
      Realized gains (losses) on sale of                                                                       
         investments.........................              165,594            (1,966,005)             7,493,466
                                              --------------------  ---------------------  --------------------
           Net realized gains (losses).......              168,644              2,797,570            39,529,437
                                              --------------------  ---------------------  --------------------
      Change in unrealized gains (losses)                                                                      
         on investments......................              241,176           (20,365,598)         (104,154,220)
                                              --------------------  ---------------------  --------------------
      Net realized and change in                                                                               
         unrealized gains (losses)                                                                             
         on investments......................              409,820           (17,568,028)          (64,624,783)
                                              --------------------  ---------------------  --------------------
      Net increase (decrease) in net assets                                                                    
         resulting from operations........... $            131,727  $        (14,201,237)  $       (56,819,127)
                                              ====================  =====================  ====================



                                                                                            BHFTII BRIGHTHOUSE/
                                               BHFTII BRIGHTHOUSE     BHFTII BRIGHTHOUSE          ARTISAN      
                                               ASSET ALLOCATION 60    ASSET ALLOCATION 80      MID CAP VALUE   
                                                    DIVISION               DIVISION              DIVISION      
                                              --------------------  ---------------------  --------------------
                                                                                                               
INVESTMENT INCOME:                                                                                             
      Dividends.............................. $         60,332,513  $          24,241,432  $          1,022,663
                                              --------------------  ---------------------  --------------------
EXPENSES:                                                                                                      
      Mortality and expense risk and                                                                           
         other charges.......................           37,235,380             18,637,160             2,288,231
      Administrative charges.................            8,728,513              4,203,624               357,691
                                              --------------------  ---------------------  --------------------
         Total expenses......................           45,963,893             22,840,784             2,645,922
                                              --------------------  ---------------------  --------------------
           Net investment income (loss)......           14,368,620              1,400,648           (1,623,259)
                                              --------------------  ---------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                   
   ON INVESTMENTS:                                                                                             
      Realized gain distributions............          139,444,021             81,339,127            11,433,260
      Realized gains (losses) on sale of                                                                       
         investments.........................           61,238,566             44,640,730             4,133,217
                                              --------------------  ---------------------  --------------------
           Net realized gains (losses).......          200,682,587            125,979,857            15,566,477
                                              --------------------  ---------------------  --------------------
      Change in unrealized gains (losses)                                                                      
         on investments......................        (462,497,546)          (282,546,629)          (42,659,193)
                                              --------------------  ---------------------  --------------------
      Net realized and change in                                                                               
         unrealized gains (losses)                                                                             
         on investments......................        (261,814,959)          (156,566,772)          (27,092,716)
                                              --------------------  ---------------------  --------------------
      Net increase (decrease) in net assets                                                                    
         resulting from operations........... $      (247,446,339)  $       (155,166,124)  $       (28,715,975)
                                              ====================  =====================  ====================


                                               BHFTII BRIGHTHOUSE/                                             
                                                   DIMENSIONAL                                                 
                                                  INTERNATIONAL                                                
                                                  SMALL COMPANY                                                
                                                    DIVISION                                                   
                                              --------------------                                             
                                                                                                               
INVESTMENT INCOME:                                                                                             
      Dividends.............................. $            224,290                                             
                                              --------------------                                             
EXPENSES:                                                                                                      
      Mortality and expense risk and                                                                           
         other charges.......................               91,329                                             
      Administrative charges.................               22,211                                             
                                              --------------------                                             
         Total expenses......................              113,540                                             
                                              --------------------                                             
           Net investment income (loss)......              110,750                                             
                                              --------------------                                             
NET REALIZED AND CHANGE IN                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                   
   ON INVESTMENTS:                                                                                             
      Realized gain distributions............              631,312                                             
      Realized gains (losses) on sale of                                                                       
         investments.........................               11,158                                             
                                              --------------------                                             
           Net realized gains (losses).......              642,470                                             
                                              --------------------                                             
      Change in unrealized gains (losses)                                                                      
         on investments......................          (2,740,019)                                             
                                              --------------------                                             
      Net realized and change in                                                                               
         unrealized gains (losses)                                                                             
         on investments......................          (2,097,549)                                             
                                              --------------------                                             
      Net increase (decrease) in net assets                                                                    
         resulting from operations........... $        (1,986,799)                                             
                                              ====================                                             

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]

                                                                    BHFTII BRIGHTHOUSE/                                            
                                                                        WELLINGTON              BHFTII                             
                                              BHFTII BRIGHTHOUSE/       CORE EQUITY            FRONTIER               BHFTII       
                                              WELLINGTON BALANCED      OPPORTUNITIES        MID CAP GROWTH        JENNISON GROWTH  
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         10,123,096  $          8,544,974  $                 --  $            357,743
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            7,196,435             5,657,783             5,912,045             2,256,482
      Administrative charges................              206,355             1,145,195               214,752               428,183
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................            7,402,790             6,802,978             6,126,797             2,684,665
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....            2,720,306             1,741,996           (6,126,797)           (2,326,922)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           44,058,872            29,218,459            55,190,660            31,762,526
      Realized gains (losses) on sale of                                                                                           
        investments.........................            8,648,197             7,929,869            17,565,872             8,123,213
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......           52,707,069            37,148,328            72,756,532            39,885,739
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................         (82,402,849)          (43,246,876)          (95,558,241)          (38,210,053)
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (29,695,780)           (6,098,548)          (22,801,709)             1,675,686
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (26,975,474)  $        (4,356,552)  $       (28,928,506)  $          (651,236)
                                             ====================  ====================  ====================  ====================



                                                    BHFTII                BHFTII                                                   
                                                 LOOMIS SAYLES         LOOMIS SAYLES        BHFTII METLIFE        BHFTII METLIFE   
                                                SMALL CAP CORE       SMALL CAP GROWTH    AGGREGATE BOND INDEX   MID CAP STOCK INDEX
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $             10,636  $                 --  $         30,232,637  $          5,990,932
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            1,856,891               648,743            11,117,180             5,848,163
      Administrative charges................              361,009                98,823             2,286,514             1,004,479
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................            2,217,900               747,566            13,403,694             6,852,642
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....          (2,207,264)             (747,566)            16,828,943             (861,710)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           18,719,075             8,153,720                    --            45,749,833
      Realized gains (losses) on sale of                                                                                           
        investments.........................            4,310,058             1,906,742           (7,777,871)            20,172,325
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......           23,029,133            10,060,462           (7,777,871)            65,922,158
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................         (40,023,872)          (10,074,579)          (29,059,862)         (127,738,599)
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (16,994,739)              (14,117)          (36,837,733)          (61,816,441)
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (19,202,003)  $          (761,683)  $       (20,008,790)  $       (62,678,151)
                                             ====================  ====================  ====================  ====================



                                                BHFTII METLIFE        BHFTII METLIFE                                               
                                              MSCI EAFE(R) INDEX   RUSSELL 2000(R) INDEX                                           
                                                   DIVISION              DIVISION                                                  
                                             --------------------  ---------------------                                           
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         13,870,863  $          3,539,501                                            
                                             --------------------  ---------------------                                           
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            5,194,074             3,910,582                                            
      Administrative charges................              971,045               604,639                                            
                                             --------------------  ---------------------                                           
        Total expenses......................            6,165,119             4,515,221                                            
                                             --------------------  ---------------------                                           
           Net investment income (loss).....            7,705,744             (975,720)                                            
                                             --------------------  ---------------------                                           
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --            24,768,365                                            
      Realized gains (losses) on sale of                                                                                           
        investments.........................            7,834,520            17,391,398                                            
                                             --------------------  ---------------------                                           
           Net realized gains (losses)......            7,834,520            42,159,763                                            
                                             --------------------  ---------------------                                           
      Change in unrealized gains (losses)                                                                                          
        on investments......................         (91,215,920)          (79,691,483)                                            
                                             --------------------  ---------------------                                           
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (83,381,400)          (37,531,720)                                            
                                             --------------------  ---------------------                                           
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (75,675,656)  $       (38,507,440)                                            
                                             ====================  =====================                                           

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]


                                               BHFTII METLIFE        BHFTII MFS(R)                                 BHFTII          
                                                 STOCK INDEX         TOTAL RETURN       BHFTII MFS(R) VALUE    MFS(R) VALUE II     
                                                  DIVISION             DIVISION              DIVISION           DIVISION (a)       
                                             -------------------  -------------------  --------------------  --------------------  
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $        52,787,977  $         2,913,144  $          9,380,098  $          6,973,423  
                                             -------------------  -------------------  --------------------  --------------------  
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................          34,680,590            1,376,234             6,824,376               842,231  
      Administrative charges................           3,741,683              261,210             1,234,524               180,071  
                                             -------------------  -------------------  --------------------  --------------------  
        Total expenses......................          38,422,273            1,637,444             8,058,900             1,022,302  
                                             -------------------  -------------------  --------------------  --------------------  
           Net investment income (loss).....          14,365,704            1,275,700             1,321,198             5,951,121  
                                             -------------------  -------------------  --------------------  --------------------  
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........         175,963,031            8,310,102            45,179,567            64,459,752  
      Realized gains (losses) on sale of                                                                                           
        investments.........................         159,402,430            2,627,471             4,099,761          (90,349,599)  
                                             -------------------  -------------------  --------------------  --------------------  
           Net realized gains (losses)......         335,365,461           10,937,573            49,279,328          (25,889,847)  
                                             -------------------  -------------------  --------------------  --------------------  
      Change in unrealized gains (losses)                                                                                          
        on investments......................       (502,073,849)         (21,195,730)         (119,754,398)            11,408,552  
                                             -------------------  -------------------  --------------------  --------------------  
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................       (166,708,388)         (10,258,157)          (70,475,070)          (14,481,295)  
                                             -------------------  -------------------  --------------------  --------------------  
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $     (152,342,684)  $       (8,982,457)  $       (69,153,872)  $        (8,530,174)  
                                             ===================  ===================  ====================  ====================  



                                                    BHFTII                BHFTII                BHFTII                BHFTII       
                                               NEUBERGER BERMAN        T. ROWE PRICE         T. ROWE PRICE        VAN ECK GLOBAL   
                                                    GENESIS          LARGE CAP GROWTH      SMALL CAP GROWTH      NATURAL RESOURCES 
                                                   DIVISION              DIVISION              DIVISION              DIVISION      
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $            685,109  $          1,676,195  $            246,630  $                 --
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            3,390,326             6,671,252             5,117,506               315,557
      Administrative charges................              431,998             1,105,944               646,726                79,491
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................            3,822,324             7,777,196             5,764,232               395,048
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....          (3,137,215)           (6,101,001)           (5,517,602)             (395,048)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........           37,383,306           112,132,999            39,470,791                    --
      Realized gains (losses) on sale of                                                                                           
        investments.........................           12,514,947            18,514,457            18,147,485             (761,463)
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......           49,898,253           130,647,456            57,618,276             (761,463)
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................         (67,400,301)         (133,824,761)          (82,396,321)           (8,618,297)
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (17,502,048)           (3,177,305)          (24,778,045)           (9,379,760)
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (20,639,263)  $        (9,278,306)  $       (30,295,647)  $        (9,774,808)
                                             ====================  ====================  ====================  ====================


                                                 BHFTII WESTERN                                                                    
                                                ASSET MANAGEMENT      BHFTII WESTERN                                               
                                                 STRATEGIC BOND      ASSET MANAGEMENT                                              
                                                  OPPORTUNITIES       U.S. GOVERNMENT                                              
                                                    DIVISION             DIVISION                                                  
                                             --------------------  -------------------                                             
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $         24,687,387  $         3,138,354                                             
                                             --------------------  -------------------                                             
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................            5,036,684            1,564,485                                             
      Administrative charges................              986,114              325,739                                             
                                             --------------------  -------------------                                             
        Total expenses......................            6,022,798            1,890,224                                             
                                             --------------------  -------------------                                             
           Net investment income (loss).....           18,664,589            1,248,130                                             
                                             --------------------  -------------------                                             
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --                   --                                             
      Realized gains (losses) on sale of                                                                                           
        investments.........................            1,364,969          (1,552,551)                                             
                                             --------------------  -------------------                                             
           Net realized gains (losses)......            1,364,969          (1,552,551)                                             
                                             --------------------  -------------------                                             
      Change in unrealized gains (losses)                                                                                          
        on investments......................         (45,377,042)            (754,838)                                             
                                             --------------------  -------------------                                             
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................         (44,012,073)          (2,307,389)                                             
                                             --------------------  -------------------                                             
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $       (25,347,484)  $       (1,059,259)                                             
                                             ====================  ===================                                             

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]

                                                    BLACKROCK             CALVERT VP              CALVERT VP     
                                             GLOBAL ALLOCATION V.I.      SRI BALANCED             SRI MID CAP    
                                                    DIVISION               DIVISION                DIVISION      
                                             ----------------------  ---------------------  ---------------------
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends............................  $                 827   $             868,500  $              43,714
                                             ----------------------  ---------------------  ---------------------
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.....................                  1,191                 545,862                 79,924
      Administrative charges...............                    252                  38,412                     --
                                             ----------------------  ---------------------  ---------------------
         Total expenses....................                  1,443                 584,274                 79,924
                                             ----------------------  ---------------------  ---------------------
           Net investment income (loss)....                  (616)                 284,226               (36,210)
                                             ----------------------  ---------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions..........                  4,184               4,494,379                819,422
      Realized gains (losses) on sale of                                                                         
         investments.......................                (1,488)                 839,022                141,903
                                             ----------------------  ---------------------  ---------------------
           Net realized gains (losses).....                  2,696               5,333,401                961,325
                                             ----------------------  ---------------------  ---------------------
      Change in unrealized gains (losses)                                                                        
         on investments....................               (12,549)             (7,323,486)            (1,285,025)
                                             ----------------------  ---------------------  ---------------------
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments....................                (9,853)             (1,990,085)              (323,700)
                                             ----------------------  ---------------------  ---------------------
      Net increase (decrease) in net assets                                                                      
         resulting from operations.........  $            (10,469)   $         (1,705,859)  $           (359,910)
                                             ======================  =====================  =====================


                                                 DELAWARE VIP          FIDELITY(R) VIP        FIDELITY(R) VIP    
                                                SMALL CAP VALUE          CONTRAFUND            EQUITY-INCOME     
                                                   DIVISION               DIVISION               DIVISION        
                                             ---------------------  ---------------------  --------------------- 
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends............................  $                  71  $               3,157  $           1,616,553 
                                             ---------------------  ---------------------  --------------------- 
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.....................                     93                  6,253                700,036 
      Administrative charges...............                     11                    765                 51,496 
                                             ---------------------  ---------------------  --------------------- 
         Total expenses....................                    104                  7,018                751,532 
                                             ---------------------  ---------------------  --------------------- 
           Net investment income (loss)....                   (33)                (3,861)                865,021 
                                             ---------------------  ---------------------  --------------------- 
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions..........                    603                 70,904              3,471,431 
      Realized gains (losses) on sale of                                                                         
         investments.......................                  1,941                 20,327                370,408 
                                             ---------------------  ---------------------  --------------------- 
           Net realized gains (losses).....                  2,544                 91,231              3,841,839 
                                             ---------------------  ---------------------  --------------------- 
      Change in unrealized gains (losses)                                                                        
         on investments....................                (4,457)              (129,154)           (11,245,135) 
                                             ---------------------  ---------------------  --------------------- 
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments....................                (1,913)               (37,923)            (7,403,296) 
                                             ---------------------  ---------------------  --------------------- 
      Net increase (decrease) in net assets                                                                      
         resulting from operations.........  $             (1,946)  $            (41,784)  $         (6,538,275) 
                                             =====================  =====================  ===================== 


                                                 FIDELITY(R) VIP         FIDELITY(R) VIP        FIDELITY(R) VIP  
                                                  FREEDOM 2020            FREEDOM 2025           FREEDOM 2030    
                                                    DIVISION                DIVISION               DIVISION      
                                             ----------------------  ---------------------  ---------------------
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends............................  $               14,122  $              13,126  $              36,868
                                             ----------------------  ---------------------  ---------------------
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.....................                   9,259                  8,164                 24,946
      Administrative charges...............                   1,098                    842                  3,070
                                             ----------------------  ---------------------  ---------------------
         Total expenses....................                  10,357                  9,006                 28,016
                                             ----------------------  ---------------------  ---------------------
           Net investment income (loss)....                   3,765                  4,120                  8,852
                                             ----------------------  ---------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions..........                  39,596                 16,848                 78,103
      Realized gains (losses) on sale of                                                                         
         investments.......................                  25,253                 10,761                  6,705
                                             ----------------------  ---------------------  ---------------------
           Net realized gains (losses).....                  64,849                 27,609                 84,808
                                             ----------------------  ---------------------  ---------------------
      Change in unrealized gains (losses)                                                                        
         on investments....................               (144,778)              (116,316)              (378,077)
                                             ----------------------  ---------------------  ---------------------
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments....................                (79,929)               (88,707)              (293,269)
                                             ----------------------  ---------------------  ---------------------
      Net increase (decrease) in net assets                                                                      
         resulting from operations.........  $             (76,164)  $            (84,587)  $           (284,417)
                                             ======================  =====================  =====================


                                                FIDELITY(R) VIP                                                  
                                                 FREEDOM 2035                                                    
                                                 DIVISION (b)                                                    
                                             ---------------------                                               
                                                                                                                 
INVESTMENT INCOME:                                                                                               
      Dividends............................  $               1,093                                               
                                             ---------------------                                               
EXPENSES:                                                                                                        
      Mortality and expense risk and                                                                             
         other charges.....................                    417                                               
      Administrative charges...............                     --                                               
                                             ---------------------                                               
         Total expenses....................                    417                                               
                                             ---------------------                                               
           Net investment income (loss)....                    676                                               
                                             ---------------------                                               
NET REALIZED AND CHANGE IN                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                     
   ON INVESTMENTS:                                                                                               
      Realized gain distributions..........                    422                                               
      Realized gains (losses) on sale of                                                                         
         investments.......................                  1,254                                               
                                             ---------------------                                               
           Net realized gains (losses).....                  1,676                                               
                                             ---------------------                                               
      Change in unrealized gains (losses)                                                                        
         on investments....................               (12,427)                                               
                                             ---------------------                                               
      Net realized and change in                                                                                 
         unrealized gains (losses)                                                                               
         on investments....................               (10,751)                                               
                                             ---------------------                                               
      Net increase (decrease) in net assets                                                                      
         resulting from operations.........  $            (10,075)                                               
                                             =====================                                               

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]


                                                FIDELITY(R) VIP        FIDELITY(R) VIP        FIDELITY(R) VIP   
                                                 FREEDOM 2040           FREEDOM 2045           FREEDOM 2050     
                                                   DIVISION             DIVISION (b)             DIVISION       
                                             ---------------------  ---------------------  -------------------- 
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends............................  $               5,115  $               1,255  $              3,656 
                                             ---------------------  ---------------------  -------------------- 
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.....................                  4,318                    328                 2,538 
      Administrative charges...............                    524                     --                   273 
                                             ---------------------  ---------------------  -------------------- 
         Total expenses....................                  4,842                    328                 2,811 
                                             ---------------------  ---------------------  -------------------- 
           Net investment income (loss)....                    273                    927                   845 
                                             ---------------------  ---------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions..........                 11,363                    482                 7,287 
      Realized gains (losses) on sale of                                                                        
         investments.......................                  9,689                    357               (7,378) 
                                             ---------------------  ---------------------  -------------------- 
           Net realized gains (losses).....                 21,052                    839                  (91) 
                                             ---------------------  ---------------------  -------------------- 
      Change in unrealized gains (losses)                                                                       
         on investments....................               (78,959)               (15,977)              (50,380) 
                                             ---------------------  ---------------------  -------------------- 
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments....................               (57,907)               (15,138)              (50,471) 
                                             ---------------------  ---------------------  -------------------- 
      Net increase (decrease) in net assets                                                                     
         resulting from operations.........  $            (57,634)  $            (14,211)  $           (49,626) 
                                             =====================  =====================  ==================== 



                                                                                             FIDELITY(R) VIP    
                                                FIDELITY(R) VIP       FIDELITY(R) VIP       GOVERNMENT MONEY    
                                               FUNDSMANAGER 50%      FUNDSMANAGER 60%            MARKET         
                                                   DIVISION              DIVISION               DIVISION        
                                             --------------------  ---------------------  --------------------- 
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends............................  $          3,992,199  $           3,129,769  $              88,071 
                                             --------------------  ---------------------  --------------------- 
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.....................             5,815,442              5,223,826                 51,122 
      Administrative charges...............                    --                     --                     -- 
                                             --------------------  ---------------------  --------------------- 
         Total expenses....................             5,815,442              5,223,826                 51,122 
                                             --------------------  ---------------------  --------------------- 
           Net investment income (loss)....           (1,823,243)            (2,094,057)                 36,949 
                                             --------------------  ---------------------  --------------------- 
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions..........            22,810,532             32,014,536                     -- 
      Realized gains (losses) on sale of                                                                        
         investments.......................             2,690,054              4,236,187                     -- 
                                             --------------------  ---------------------  --------------------- 
           Net realized gains (losses).....            25,500,586             36,250,723                     -- 
                                             --------------------  ---------------------  --------------------- 
      Change in unrealized gains (losses)                                                                       
         on investments....................          (43,710,159)           (55,081,469)                     -- 
                                             --------------------  ---------------------  --------------------- 
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments....................          (18,209,573)           (18,830,746)                     -- 
                                             --------------------  ---------------------  --------------------- 
      Net increase (decrease) in net assets                                                                     
         resulting from operations.........  $       (20,032,816)  $        (20,924,803)  $              36,949 
                                             ====================  =====================  ===================== 



                                                                        FIDELITY(R) VIP                         
                                                                       INVESTMENT GRADE        FIDELITY(R) VIP  
                                             FIDELITY(R) VIP GROWTH          BOND                  MID CAP      
                                                    DIVISION               DIVISION               DIVISION      
                                             ----------------------  --------------------  ---------------------
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends............................   $            241,662   $            225,729  $               2,237
                                             ----------------------  --------------------  ---------------------
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.....................                961,889                 89,427                  4,983
      Administrative charges...............                     --                     --                    622
                                             ----------------------  --------------------  ---------------------
         Total expenses....................                961,889                 89,427                  5,605
                                             ----------------------  --------------------  ---------------------
           Net investment income (loss)....              (720,227)                136,302                (3,368)
                                             ----------------------  --------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions..........             14,110,184                 60,006                 58,304
      Realized gains (losses) on sale of                                                                        
         investments.......................              4,663,825               (50,541)                 26,038
                                             ----------------------  --------------------  ---------------------
           Net realized gains (losses).....             18,774,009                  9,465                 84,342
                                             ----------------------  --------------------  ---------------------
      Change in unrealized gains (losses)                                                                       
         on investments....................           (18,154,623)              (301,382)              (150,743)
                                             ----------------------  --------------------  ---------------------
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments....................                619,386              (291,917)               (66,401)
                                             ----------------------  --------------------  ---------------------
      Net increase (decrease) in net assets                                                                     
         resulting from operations.........   $          (100,841)   $          (155,615)  $            (69,769)
                                             ======================  ====================  =====================



                                                FTVIPT TEMPLETON                                                
                                                   DEVELOPING                                                   
                                                   MARKETS VIP                                                  
                                                    DIVISION                                                    
                                             ---------------------                                              
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends............................  $               1,212                                              
                                             ---------------------                                              
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.....................                  1,165                                              
      Administrative charges...............                    144                                              
                                             ---------------------                                              
         Total expenses....................                  1,309                                              
                                             ---------------------                                              
           Net investment income (loss)....                   (97)                                              
                                             ---------------------                                              
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions..........                     --                                              
      Realized gains (losses) on sale of                                                                        
         investments.......................                  2,258                                              
                                             ---------------------                                              
           Net realized gains (losses).....                  2,258                                              
                                             ---------------------                                              
      Change in unrealized gains (losses)                                                                       
         on investments....................               (27,683)                                              
                                             ---------------------                                              
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments....................               (25,425)                                              
                                             ---------------------                                              
      Net increase (decrease) in net assets                                                                     
         resulting from operations.........  $            (25,522)                                              
                                             =====================                                              

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]


                                                FTVIPT TEMPLETON        IVY VIP ASSET        JANUS HENDERSON    
                                                   FOREIGN VIP            STRATEGY             ENTERPRISE       
                                                    DIVISION              DIVISION              DIVISION        
                                              --------------------  --------------------  --------------------  
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends.............................. $                 19  $                 41  $                123  
                                              --------------------  --------------------  --------------------  
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.......................                    4                    24                   996  
      Administrative charges.................                   --                     4                   123  
                                              --------------------  --------------------  --------------------  
         Total expenses......................                    4                    28                 1,119  
                                              --------------------  --------------------  --------------------  
           Net investment income (loss)......                   15                    13                 (996)  
                                              --------------------  --------------------  --------------------  
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions............                   --                    90                 5,677  
      Realized gains (losses) on sale of                                                                        
         investments.........................                   --                  (47)                 9,013  
                                              --------------------  --------------------  --------------------  
           Net realized gains (losses).......                   --                    43                14,690  
                                              --------------------  --------------------  --------------------  
      Change in unrealized gains (losses)                                                                       
         on investments......................                (131)                 (183)              (13,731)  
                                              --------------------  --------------------  --------------------  
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments......................                (131)                 (140)                   959  
                                              --------------------  --------------------  --------------------  
      Net increase (decrease) in net assets                                                                     
         resulting from operations........... $              (116)  $              (127)  $               (37)  
                                              ====================  ====================  ====================  



                                                     LMPVET                LMPVET                LMPVET         
                                              CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  
                                                  APPRECIATION        DIVIDEND STRATEGY     LARGE CAP GROWTH    
                                                    DIVISION              DIVISION              DIVISION        
                                              --------------------  --------------------  --------------------  
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends.............................. $                587  $              1,087  $              1,551  
                                              --------------------  --------------------  --------------------  
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.......................                  381                   560                 4,152  
      Administrative charges.................                   47                    69                   513  
                                              --------------------  --------------------  --------------------  
         Total expenses......................                  428                   629                 4,665  
                                              --------------------  --------------------  --------------------  
           Net investment income (loss)......                  159                   458               (3,114)  
                                              --------------------  --------------------  --------------------  
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions............                1,981                 4,236                14,589  
      Realized gains (losses) on sale of                                                                        
         investments.........................                  888                   700                18,349  
                                              --------------------  --------------------  --------------------  
           Net realized gains (losses).......                2,869                 4,936                32,938  
                                              --------------------  --------------------  --------------------  
      Change in unrealized gains (losses)                                                                       
         on investments......................              (4,002)               (9,239)              (36,755)  
                                              --------------------  --------------------  --------------------  
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments......................              (1,133)               (4,303)               (3,817)  
                                              --------------------  --------------------  --------------------  
      Net increase (decrease) in net assets                                                                     
         resulting from operations........... $              (974)  $            (3,845)  $            (6,931)  
                                              ====================  ====================  ====================  



                                                     LMPVET                                                     
                                              CLEARBRIDGE VARIABLE      LMPVIT WESTERN      MORGAN STANLEY VIF  
                                                SMALL CAP GROWTH        ASSET CORE PLUS    GLOBAL INFRASTRUCTURE
                                                    DIVISION               DIVISION              DIVISION       
                                              --------------------  ---------------------  ---------------------
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends.............................. $                 --  $               3,101  $              1,901 
                                              --------------------  ---------------------  ---------------------
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.......................                  196                    731                   769 
      Administrative charges.................                   23                     90                   172 
                                              --------------------  ---------------------  ---------------------
         Total expenses......................                  219                    821                   941 
                                              --------------------  ---------------------  ---------------------
           Net investment income (loss)......                (219)                  2,280                   960 
                                              --------------------  ---------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions............                1,900                     --                 2,586 
      Realized gains (losses) on sale of                                                                        
         investments.........................                5,394                  (912)               (1,805) 
                                              --------------------  ---------------------  ---------------------
           Net realized gains (losses).......                7,294                  (912)                   781 
                                              --------------------  ---------------------  ---------------------
      Change in unrealized gains (losses)                                                                       
         on investments......................              (3,935)                (4,458)               (8,527) 
                                              --------------------  ---------------------  ---------------------
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments......................                3,359                (5,370)               (7,746) 
                                              --------------------  ---------------------  ---------------------
      Net increase (decrease) in net assets                                                                     
         resulting from operations........... $              3,140  $             (3,090)  $            (6,786) 
                                              ====================  =====================  =====================



                                               OPPENHEIMER GLOBAL                                               
                                               MULTI-ALTERNATIVES                                               
                                                     FUND/VA                                                    
                                                    DIVISION                                                    
                                              --------------------                                              
                                                                                                                
INVESTMENT INCOME:                                                                                              
      Dividends.............................. $                 26                                              
                                              --------------------                                              
EXPENSES:                                                                                                       
      Mortality and expense risk and                                                                            
         other charges.......................                  162                                              
      Administrative charges.................                   37                                              
                                              --------------------                                              
         Total expenses......................                  199                                              
                                              --------------------                                              
           Net investment income (loss)......                (173)                                              
                                              --------------------                                              
NET REALIZED AND CHANGE IN                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                    
   ON INVESTMENTS:                                                                                              
      Realized gain distributions............                   --                                              
      Realized gains (losses) on sale of                                                                        
         investments.........................                  (1)                                              
                                              --------------------                                              
           Net realized gains (losses).......                  (1)                                              
                                              --------------------                                              
      Change in unrealized gains (losses)                                                                       
         on investments......................                (537)                                              
                                              --------------------                                              
      Net realized and change in                                                                                
         unrealized gains (losses)                                                                              
         on investments......................                (538)                                              
                                              --------------------                                              
      Net increase (decrease) in net assets                                                                     
         resulting from operations........... $              (711)                                              
                                              ====================                                              

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONCLUDED)   
FOR THE YEAR ENDED DECEMBER 31, 2018    

                                                        [Enlarge/Download Table]

                                                    PIMCO VIT                                  PIMCO VIT         TAP 1919 VARIABLE 
                                             COMMODITYREALRETURN(R)        PIMCO VIT       EMERGING MARKETS     SOCIALLY RESPONSIVE
                                                    STRATEGY             DYNAMIC BOND            BOND                BALANCED      
                                                    DIVISION               DIVISION            DIVISION              DIVISION      
                                             ----------------------  -------------------  -------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends.............................  $                824   $             3,100  $             2,523  $                280
                                             ----------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................                   512                 1,449                  726                   204
      Administrative charges................                   107                   322                  162                    25
                                             ----------------------  -------------------  -------------------  --------------------
        Total expenses......................                   619                 1,771                  888                   229
                                             ----------------------  -------------------  -------------------  --------------------
           Net investment income (loss).....                   205                 1,329                1,635                    51
                                             ----------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                    --                   144                   --                 2,262
      Realized gains (losses) on sale of                                                                                           
        investments.........................                 (994)                 1,629                (181)                    54
                                             ----------------------  -------------------  -------------------  --------------------
           Net realized gains (losses)......                 (994)                 1,773                (181)                 2,316
                                             ----------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................               (5,871)               (4,192)              (5,833)               (3,047)
                                             ----------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................               (6,865)               (2,419)              (6,014)                 (731)
                                             ----------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations...........  $            (6,660)   $           (1,090)  $           (4,379)  $              (680)
                                             ======================  ===================  ===================  ====================

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS   
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]


                                          AMERICAN FUNDS(R) BOND            AMERICAN FUNDS(R) GLOBAL GROWTH   
                                                 DIVISION                              DIVISION               
                                    ------------------------------------  ------------------------------------
                                          2018               2017               2018               2017       
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $         684,329  $         384,952  $           (978)  $         (1,589)
   Net realized gains (losses).....         (794,644)          1,121,667             42,184             41,446
   Change in unrealized gains                                                                                 
     (losses) on investments.......       (1,887,366)            470,463           (65,677)             81,565
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       (1,997,681)          1,977,082           (24,471)            121,422
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........         1,166,816          1,996,059              5,012             50,854
   Net transfers (including fixed                                                                             
     account)......................         1,066,392          3,944,388              (698)           (15,899)
   Contract charges................         (409,504)          (431,156)                 --                 --
   Transfers for Contract benefits                                                                            
     and terminations..............      (13,706,662)       (11,068,529)          (102,027)          (335,503)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......      (11,882,958)        (5,559,238)           (97,713)          (300,548)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............      (13,880,639)        (3,582,156)          (122,184)          (179,126)
NET ASSETS:                                                                                                   
   Beginning of year...............        88,742,232         92,324,388            373,749            552,875
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $      74,861,593  $      88,742,232  $         251,565  $         373,749
                                    =================  =================  =================  =================


                                      AMERICAN FUNDS(R) GLOBAL SMALL                                          
                                              CAPITALIZATION                   AMERICAN FUNDS(R) GROWTH       
                                                 DIVISION                              DIVISION               
                                    ------------------------------------  ------------------------------------
                                          2018               2017               2018               2017       
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $     (6,461,998)  $     (4,894,692)  $    (10,695,705)  $     (9,536,324)
   Net realized gains (losses).....        33,392,311          5,710,371        150,142,993        131,300,788
   Change in unrealized gains                                                                                 
     (losses) on investments.......      (77,795,335)        104,016,189      (143,530,513)        120,057,167
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............      (50,865,022)        104,831,868        (4,083,225)        241,821,631
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........         6,574,096          9,244,131         15,156,666         19,867,658
   Net transfers (including fixed                                                                             
     account)......................       (2,410,656)       (16,771,071)       (33,846,579)       (30,326,526)
   Contract charges................       (1,959,053)        (2,106,440)        (2,894,768)        (2,902,347)
   Transfers for Contract benefits                                                                            
     and terminations..............      (61,562,503)       (52,583,670)      (134,437,276)      (120,135,425)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......      (59,358,116)       (62,217,050)      (156,021,957)      (133,496,640)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............     (110,223,138)         42,614,818      (160,105,182)        108,324,991
NET ASSETS:                                                                                                   
   Beginning of year...............       501,546,451        458,931,633      1,071,645,690        963,320,699
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $     391,323,313  $     501,546,451  $     911,540,508  $   1,071,645,690
                                    =================  =================  =================  =================


                                                                                   BHFTI AB GLOBAL            
                                      AMERICAN FUNDS(R) GROWTH-INCOME            DYNAMIC ALLOCATION           
                                                 DIVISION                             DIVISION                
                                    ----------------------------------  -----------------------------------   
                                          2018              2017               2018              2017         
                                    ----------------  ----------------   ----------------  ----------------   
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $      (796,915)  $      (639,685)   $      6,257,877  $      3,923,264   
   Net realized gains (losses).....       87,672,156        76,155,145         35,144,576        22,066,851   
   Change in unrealized gains                                                                                 
     (losses) on investments.......    (103,808,158)        79,975,984      (164,320,962)       161,039,666   
                                    ----------------  ----------------   ----------------  ----------------   
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............     (16,932,917)       155,491,444      (122,918,509)       187,029,781   
                                    ----------------  ----------------   ----------------  ----------------   
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........        9,457,065        13,204,987          1,104,256         3,110,336   
   Net transfers (including fixed                                                                             
     account)......................     (17,194,299)      (18,279,377)       (37,099,844)      (31,331,679)   
   Contract charges................      (2,898,679)       (3,039,925)       (21,697,420)      (22,286,388)   
   Transfers for Contract benefits                                                                            
     and terminations..............    (113,503,013)     (100,026,191)      (126,992,973)      (96,085,886)   
                                    ----------------  ----------------   ----------------  ----------------   
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......    (124,138,926)     (108,140,506)      (184,685,981)     (146,593,617)   
                                    ----------------  ----------------   ----------------  ----------------   
     Net increase (decrease)                                                                                  
        in net assets..............    (141,071,843)        47,350,938      (307,604,490)        40,436,164   
NET ASSETS:                                                                                                   
   Beginning of year...............      845,856,636       798,505,698      1,634,691,183     1,594,255,019   
                                    ----------------  ----------------   ----------------  ----------------   
   End of year..................... $    704,784,793  $    845,856,636   $  1,327,086,693  $  1,634,691,183   
                                    ================  ================   ================  ================   


                                            BHFTI ALLIANZ GLOBAL                                              
                                     INVESTORS DYNAMIC MULTI-ASSET PLUS                                       
                                                  DIVISION                                                    
                                    ------------------------------------                                      
                                         2018 (a)             2017                                            
                                    -----------------  -----------------                                      
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $       1,286,110  $         204,576                                      
   Net realized gains (losses).....         5,804,168            468,055                                      
   Change in unrealized gains                                                                                 
     (losses) on investments.......       (9,038,924)          9,444,691                                      
                                    -----------------  -----------------                                      
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       (1,948,646)         10,117,322                                      
                                    -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........             2,476            629,475                                      
   Net transfers (including fixed                                                                             
     account)......................      (76,033,739)           (39,705)                                      
   Contract charges................         (287,144)        (1,016,610)                                      
   Transfers for Contract benefits                                                                            
     and terminations..............       (1,454,519)        (4,432,644)                                      
                                    -----------------  -----------------                                      
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......      (77,772,926)        (4,859,484)                                      
                                    -----------------  -----------------                                      
     Net increase (decrease)                                                                                  
        in net assets..............      (79,721,572)          5,257,838                                      
NET ASSETS:                                                                                                   
   Beginning of year...............        79,721,572         74,463,734                                      
                                    -----------------  -----------------                                      
   End of year..................... $              --  $      79,721,572                                      
                                    =================  =================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                          BHFTI AMERICAN FUNDS(R)              BHFTI AMERICAN FUNDS(R)       
                                            BALANCED ALLOCATION                   GROWTH ALLOCATION          
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ------------------------------------
                                          2018               2017               2018              2017       
                                    ----------------  -----------------  -----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      1,830,844  $       2,161,272  $       (252,527)  $        (81,007)
   Net realized gains (losses).....       58,137,381         52,476,769         35,870,228         34,102,973
   Change in unrealized gains                                                                                
     (losses) on investments.......    (103,970,096)         73,356,473       (65,152,673)         48,200,536
                                    ----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............     (44,001,871)        127,994,514       (29,534,972)         82,222,502
                                    ----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........        5,037,351         11,422,860          7,476,966          8,610,277
   Net transfers (including fixed                                                                            
     account)......................       21,511,092         25,042,409          5,634,249         11,413,137
   Contract charges................      (8,455,751)        (8,727,976)        (3,844,852)        (3,885,811)
   Transfers for Contract benefits                                                                           
     and terminations..............    (120,419,294)       (90,792,139)       (56,118,263)       (42,157,439)
                                    ----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......    (102,326,602)       (63,054,846)       (46,851,900)       (26,019,836)
                                    ----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............    (146,328,473)         64,939,668       (76,386,872)         56,202,666
NET ASSETS:                                                                                                  
   Beginning of year...............      919,484,643        854,544,975        479,556,343        423,353,677
                                    ----------------  -----------------  -----------------  -----------------
   End of year..................... $    773,156,170  $     919,484,643  $     403,169,471  $     479,556,343
                                    ================  =================  =================  =================


                                                                              BHFTI AMERICAN FUNDS(R)        
                                      BHFTI AMERICAN FUNDS(R) GROWTH            MODERATE ALLOCATION          
                                                 DIVISION                            DIVISION                
                                    ----------------------------------  ------------------------------------ 
                                          2018              2017               2018               2017       
                                    ----------------  ----------------  -----------------  ----------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $    (3,367,198)  $    (3,437,400)  $       4,051,100  $       4,927,153 
   Net realized gains (losses).....       68,913,010        52,237,401         51,001,850         49,154,748 
   Change in unrealized gains                                                                                
     (losses) on investments.......     (65,213,137)        42,426,288       (93,170,445)         50,457,040 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............          332,675        91,226,289       (38,117,495)        104,538,941 
                                    ----------------  ----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........        1,045,691         3,129,754          5,992,456         10,177,061 
   Net transfers (including fixed                                                                            
     account)......................     (20,365,695)      (25,716,039)        (8,153,286)          3,134,194 
   Contract charges................      (2,966,803)       (3,188,196)        (8,770,526)        (9,339,391) 
   Transfers for Contract benefits                                                                           
     and terminations..............     (58,768,471)      (41,399,596)      (117,877,180)      (102,656,211) 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (81,055,278)      (67,174,077)      (128,808,536)       (98,684,347) 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets..............     (80,722,603)        24,052,212      (166,926,031)          5,854,594 
NET ASSETS:                                                                                                  
   Beginning of year...............      395,973,373       371,921,161        949,575,557        943,720,963 
                                    ----------------  ----------------  -----------------  ----------------- 
   End of year..................... $    315,250,770  $    395,973,373  $     782,649,526  $     949,575,557 
                                    ================  ================  =================  ================= 


                                                                               BHFTI BLACKROCK GLOBAL        
                                      BHFTI AQR GLOBAL RISK BALANCED             TACTICAL STRATEGIES         
                                                 DIVISION                             DIVISION               
                                    ----------------------------------  ------------------------------------ 
                                          2018              2017               2018               2017       
                                    ----------------  ----------------  -----------------  ----------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $    (9,805,401)  $      5,830,934  $       3,320,354  $    (11,320,298) 
   Net realized gains (losses).....       72,287,727        35,678,250        139,751,429         31,778,610 
   Change in unrealized gains                                                                                
     (losses) on investments.......    (147,999,159)        59,097,981      (298,288,753)        206,006,523 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............     (85,516,833)       100,607,165      (155,216,970)        226,464,835 
                                    ----------------  ----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........          924,209         2,112,964          1,063,251          4,650,432 
   Net transfers (including fixed                                                                            
     account)......................     (36,716,431)      (37,092,178)       (27,458,179)       (41,699,688) 
   Contract charges................     (16,999,078)      (17,688,004)       (27,322,232)       (27,693,575) 
   Transfers for Contract benefits                                                                           
     and terminations..............     (92,301,744)      (78,640,645)      (159,665,680)      (121,604,856) 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......    (145,093,044)     (131,307,863)      (213,382,840)      (186,347,687) 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets..............    (230,609,877)      (30,700,698)      (368,599,810)         40,117,148 
NET ASSETS:                                                                                                  
   Beginning of year...............    1,234,346,275     1,265,046,973      2,029,561,004      1,989,443,856 
                                    ----------------  ----------------  -----------------  ----------------- 
   End of year..................... $  1,003,736,398  $  1,234,346,275  $   1,660,961,194  $   2,029,561,004 
                                    ================  ================  =================  ================= 



                                        BHFTI BLACKROCK HIGH YIELD                                           
                                                 DIVISION                                                    
                                    -----------------------------------                                      
                                          2018               2017                                            
                                    -----------------  ----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $          15,048  $         16,280                                      
   Net realized gains (losses).....               300             2,486                                      
   Change in unrealized gains                                                                                
     (losses) on investments.......          (31,733)             5,249                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............          (16,385)            24,015                                      
                                    -----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........            20,770            30,972                                      
   Net transfers (including fixed                                                                            
     account)......................          (16,731)            95,204                                      
   Contract charges................              (52)              (83)                                      
   Transfers for Contract benefits                                                                           
     and terminations..............          (11,547)          (67,535)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......           (7,560)            58,558                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
        in net assets..............          (23,945)            82,573                                      
NET ASSETS:                                                                                                  
   Beginning of year...............           413,602           331,029                                      
                                    -----------------  ----------------                                      
   End of year..................... $         389,657  $        413,602                                      
                                    =================  ================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                               BHFTI BRIGHTHOUSE                           BHFTI               
                                             ASSET ALLOCATION 100                BRIGHTHOUSE BALANCED PLUS     
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2018               2017               2018               2017      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       (303,191)  $         232,600  $      15,280,646  $      11,522,465
   Net realized gains (losses)......        12,717,832         15,310,143        330,218,051        201,475,134
   Change in unrealized gains                                                                                  
     (losses) on investments........      (37,541,071)         30,087,720      (656,965,469)        363,045,503
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............      (25,126,430)         45,630,463      (311,466,772)        576,043,102
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         8,274,923          9,231,079          2,193,312         12,656,717
   Net transfers (including fixed                                                                              
     account).......................       (2,697,266)        (1,120,771)        117,588,779         89,765,898
   Contract charges.................         (496,671)          (497,424)       (50,332,938)       (48,907,654)
   Transfers for Contract benefits                                                                             
     and terminations...............      (24,091,363)       (23,297,723)      (319,087,701)      (236,195,782)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (19,010,377)       (15,684,839)      (249,638,548)      (182,680,821)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............      (44,136,807)         29,945,624      (561,105,320)        393,362,281
NET ASSETS:                                                                                                    
   Beginning of year................       248,628,040        218,682,416      3,869,437,236      3,476,074,955
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     204,491,233  $     248,628,040  $   3,308,331,916  $   3,869,437,236
                                     =================  =================  =================  =================


                                                     BHFTI                      BHFTI BRIGHTHOUSE/ABERDEEN     
                                          BRIGHTHOUSE SMALL CAP VALUE             EMERGING MARKETS EQUITY      
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ----------------------------------- 
                                            2018               2017               2018              2017       
                                     -----------------  -----------------  -----------------  ---------------- 
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $        (23,726)  $        (47,693)  $         705,467  $       (91,671) 
   Net realized gains (losses)......         1,289,746            866,719            632,886           674,283 
   Change in unrealized gains                                                                                  
     (losses) on investments........       (4,153,340)          1,074,488        (9,802,919)        12,750,253 
                                     -----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............       (2,887,320)          1,893,514        (8,464,566)        13,332,865 
                                     -----------------  -----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           746,033            934,909            132,442           448,813 
   Net transfers (including fixed                                                                              
     account).......................         (525,857)            (5,314)          4,713,483         (923,938) 
   Contract charges.................          (38,794)           (39,495)          (441,570)         (487,852) 
   Transfers for Contract benefits                                                                             
     and terminations...............       (1,704,395)        (1,719,493)        (6,810,285)       (5,467,540) 
                                     -----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (1,523,013)          (829,393)        (2,405,930)       (6,430,517) 
                                     -----------------  -----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                   
        in net assets...............       (4,410,333)          1,064,121       (10,870,496)         6,902,348 
NET ASSETS:                                                                                                    
   Beginning of year................        19,791,285         18,727,164         58,423,937        51,521,589 
                                     -----------------  -----------------  -----------------  ---------------- 
   End of year...................... $      15,380,952  $      19,791,285  $      47,553,441  $     58,423,937 
                                     =================  =================  =================  ================ 


                                           BHFTI BRIGHTHOUSE/ARTISAN             BHFTI BRIGHTHOUSE/EATON       
                                                 INTERNATIONAL                     VANCE FLOATING RATE         
                                                   DIVISION                             DIVISION               
                                     ------------------------------------  ----------------------------------- 
                                            2018              2017               2018              2017        
                                      ----------------  -----------------  ----------------  ----------------- 
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).....  $             --  $             (4)  $        630,111  $         688,302 
   Net realized gains (losses)......               108               (25)          (19,836)           (10,409) 
   Change in unrealized gains                                                                                  
     (losses) on investments........             (357)                731         (971,344)           (41,125) 
                                      ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............             (249)                702         (361,069)            636,768 
                                      ----------------  -----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........                --                 --            70,727            204,827 
   Net transfers (including fixed                                                                              
     account).......................               149              (276)         4,351,742          5,154,344 
   Contract charges.................                --                 --          (82,039)           (79,844) 
   Transfers for Contract benefits                                                                             
     and terminations...............             (704)              (263)       (4,337,423)        (2,767,183) 
                                      ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......             (555)              (539)             3,007          2,512,144 
                                      ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                   
        in net assets...............             (804)                163         (358,062)          3,148,912 
NET ASSETS:                                                                                                    
   Beginning of year................             2,810              2,647        29,625,659         26,476,747 
                                      ----------------  -----------------  ----------------  ----------------- 
   End of year......................  $          2,006  $           2,810  $     29,267,597  $      29,625,659 
                                      ================  =================  ================  ================= 


                                         BHFTI BRIGHTHOUSE/FRANKLIN                                            
                                          LOW DURATION TOTAL RETURN                                            
                                                  DIVISION                                                     
                                     ------------------------------------                                      
                                           2018               2017                                             
                                     -----------------  -----------------                                      
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $         401,927  $         141,681                                      
   Net realized gains (losses)......         (592,907)          (303,532)                                      
   Change in unrealized gains                                                                                  
     (losses) on investments........         (483,201)            210,867                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............         (674,181)             49,016                                      
                                     -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           445,950            815,703                                      
   Net transfers (including fixed                                                                              
     account).......................         3,797,220         12,563,661                                      
   Contract charges.................         (622,147)          (644,029)                                      
   Transfers for Contract benefits                                                                             
     and terminations...............      (11,344,205)       (10,845,648)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (7,723,182)          1,889,687                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets...............       (8,397,363)          1,938,703                                      
NET ASSETS:                                                                                                    
   Beginning of year................        83,966,094         82,027,391                                      
                                     -----------------  -----------------                                      
   End of year...................... $      75,568,731  $      83,966,094                                      
                                     =================  =================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                          BHFTI BRIGHTHOUSE/TEMPLETON          BHFTI BRIGHTHOUSE/WELLINGTON    
                                              INTERNATIONAL BOND                    LARGE CAP RESEARCH         
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2018               2017               2018               2017      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $        (86,769)  $        (95,182)  $        (20,515)  $         401,986
   Net realized gains (losses)......         (186,380)          (105,608)        109,960,775         50,417,197
   Change in unrealized gains                                                                                  
     (losses) on investments........           259,364            118,596      (156,055,251)         89,214,450
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............          (13,785)           (82,194)       (46,114,991)        140,033,633
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........             9,016             50,180          5,990,125          7,747,770
   Net transfers (including fixed                                                                              
     account).......................         (190,192)            456,036       (11,628,578)       (14,456,561)
   Contract charges.................          (79,974)           (86,627)          (675,562)          (719,905)
   Transfers for Contract benefits                                                                             
     and terminations...............       (1,009,793)          (678,345)       (75,636,334)       (72,009,635)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (1,270,943)          (258,756)       (81,950,349)       (79,438,331)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............       (1,284,728)          (340,950)      (128,065,340)         60,595,302
NET ASSETS:                                                                                                    
   Beginning of year................         7,449,814          7,790,764        764,291,187        703,695,885
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $       6,165,086  $       7,449,814  $     636,225,847  $     764,291,187
                                     =================  =================  =================  =================


                                                     BHFTI                           BHFTI CLEARBRIDGE         
                                          CLARION GLOBAL REAL ESTATE                 AGGRESSIVE GROWTH         
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2018               2017               2018               2017      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       9,297,778  $       4,855,176  $     (3,546,256)  $     (2,894,403)
   Net realized gains (losses)......       (2,633,527)        (1,356,724)         58,380,091         21,644,586
   Change in unrealized gains                                                                                  
     (losses) on investments........      (26,591,436)         16,141,560       (89,558,096)         71,712,587
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............      (19,927,185)         19,640,012       (34,724,261)         90,462,770
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         3,127,240          4,750,240          7,211,782         10,572,734
   Net transfers (including fixed                                                                              
     account).......................       (2,861,283)        (1,232,426)       (26,737,375)       (19,034,767)
   Contract charges.................         (850,985)          (931,391)        (3,288,938)        (3,562,761)
   Transfers for Contract benefits                                                                             
     and terminations...............      (25,714,082)       (23,958,730)       (73,417,981)       (59,675,536)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (26,299,110)       (21,372,307)       (96,232,512)       (71,700,330)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............      (46,226,295)        (1,732,295)      (130,956,773)         18,762,440
NET ASSETS:                                                                                                    
   Beginning of year................       218,280,039        220,012,334        575,606,365        556,843,925
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     172,053,744  $     218,280,039  $     444,649,592  $     575,606,365
                                     =================  =================  =================  =================


                                      BHFTI FIDELITY INSTITUTIONAL ASSET           BHFTI HARRIS OAKMARK        
                                        MANAGEMENT(R) GOVERNMENT INCOME                INTERNATIONAL           
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2018               2017               2018               2017      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       6,365,880  $       4,514,174  $       2,298,634  $       2,118,352
   Net realized gains (losses)......       (3,867,446)        (1,575,732)         24,869,416          6,011,613
   Change in unrealized gains                                                                                  
     (losses) on investments........       (9,374,429)          3,534,060      (158,849,111)        126,507,000
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............       (6,875,995)          6,472,502      (131,681,061)        134,636,965
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           315,071          1,183,495          8,249,242         10,782,211
   Net transfers (including fixed                                                                              
     account).......................       (1,378,118)       (12,263,866)         34,312,542       (23,898,999)
   Contract charges.................       (6,519,654)        (6,955,636)        (2,570,197)        (2,848,104)
   Transfers for Contract benefits                                                                             
     and terminations...............      (47,354,212)       (41,648,791)       (64,091,347)       (58,716,931)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (54,936,913)       (59,684,798)       (24,099,760)       (74,681,823)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............      (61,812,908)       (53,212,296)      (155,780,821)         59,955,142
NET ASSETS:                                                                                                    
   Beginning of year................       458,735,090        511,947,386        554,231,973        494,276,831
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     396,922,182  $     458,735,090  $     398,451,152  $     554,231,973
                                     =================  =================  =================  =================


                                                 BHFTI INVESCO                                                 
                                           BALANCED-RISK ALLOCATION                                            
                                                   DIVISION                                                    
                                     -----------------------------------                                       
                                            2018              2017                                             
                                     -----------------  ----------------                                       
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       (444,829)  $     13,789,581                                       
   Net realized gains (losses)......        36,156,711        27,435,789                                       
   Change in unrealized gains                                                                                  
     (losses) on investments........      (75,432,041)         4,350,900                                       
                                     -----------------  ----------------                                       
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............      (39,720,159)        45,576,270                                       
                                     -----------------  ----------------                                       
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........           280,853         2,203,911                                       
   Net transfers (including fixed                                                                              
     account).......................       (2,960,834)        30,485,473                                       
   Contract charges.................       (7,126,038)       (7,355,491)                                       
   Transfers for Contract benefits                                                                             
     and terminations...............      (44,166,177)      (37,271,958)                                       
                                     -----------------  ----------------                                       
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (53,972,196)      (11,938,065)                                       
                                     -----------------  ----------------                                       
     Net increase (decrease)                                                                                   
        in net assets...............      (93,692,355)        33,638,205                                       
NET ASSETS:                                                                                                    
   Beginning of year................       556,009,732       522,371,527                                       
                                     -----------------  ----------------                                       
   End of year...................... $     462,317,377  $    556,009,732                                       
                                     =================  ================                                       

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                                                                        BHFTI                
                                          BHFTI INVESCO COMSTOCK              INVESCO SMALL CAP GROWTH       
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ----------------------------------- 
                                           2018              2017              2018              2017        
                                    -----------------  ----------------  ----------------  ----------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $           (296)  $            699  $      (724,664)  $       (675,731) 
   Net realized gains (losses).....             4,819             1,632         7,786,050          5,262,828 
   Change in unrealized gains                                                                                
     (losses) on investments.......          (12,421)             4,646      (12,142,503)          6,984,538 
                                    -----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............           (7,898)             6,977       (5,081,117)         11,571,635 
                                    -----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........                --            11,401           855,023          1,259,381 
   Net transfers (including fixed                                                                            
     account)......................            15,815            23,957         2,697,918        (1,361,763) 
   Contract charges................               (1)               (1)         (206,035)          (195,858) 
   Transfers for Contract benefits                                                                           
     and terminations..............           (6,287)           (8,784)       (7,637,544)        (5,944,306) 
                                    -----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......             9,527            26,573       (4,290,638)        (6,242,546) 
                                    -----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets..............             1,629            33,550       (9,371,755)          5,329,089 
NET ASSETS:                                                                                                  
   Beginning of year...............            47,958            14,408        56,474,486         51,145,397 
                                    -----------------  ----------------  ----------------  ----------------- 
   End of year..................... $          49,587  $         47,958  $     47,102,731  $      56,474,486 
                                    =================  ================  ================  ================= 


                                                                                   BHFTI JPMORGAN            
                                         BHFTI JPMORGAN CORE BOND             GLOBAL ACTIVE ALLOCATION       
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ----------------------------------  
                                          2018               2017              2018              2017        
                                    ----------------  -----------------  ----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      1,261,414  $       1,134,059  $      3,166,220  $     10,887,708  
   Net realized gains (losses).....        (836,959)          (156,412)        50,412,181         4,939,898  
   Change in unrealized gains                                                                                
     (losses) on investments.......      (1,837,782)            946,145     (126,399,614)       102,421,518  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      (1,413,327)          1,923,792      (72,821,213)       118,249,124  
                                    ----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........          203,450            781,361           364,010         3,148,203  
   Net transfers (including fixed                                                                            
     account)......................        1,448,618          8,851,274        78,754,749       (9,987,433)  
   Contract charges................        (787,600)          (847,128)      (11,841,397)      (11,032,222)  
   Transfers for Contract benefits                                                                           
     and terminations..............     (13,801,682)       (12,352,615)      (67,929,776)      (50,185,977)  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (12,937,214)        (3,567,108)         (652,414)      (68,057,429)  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets..............     (14,350,541)        (1,643,316)      (73,473,627)        50,191,695  
NET ASSETS:                                                                                                  
   Beginning of year...............       95,678,197         97,321,513       861,680,922       811,489,227  
                                    ----------------  -----------------  ----------------  ----------------  
   End of year..................... $     81,327,656  $      95,678,197  $    788,207,295  $    861,680,922  
                                    ================  =================  ================  ================  


                                                   BHFTI                         BHFTI LOOMIS SAYLES         
                                         JPMORGAN SMALL CAP VALUE                  GLOBAL MARKETS            
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ------------------------------------
                                          2018               2017               2018              2017       
                                    -----------------  ----------------  -----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $        (43,852)  $       (33,459)  $         679,701  $         161,236
   Net realized gains (losses).....         2,019,712         1,792,477         12,901,984          4,980,956
   Change in unrealized gains                                                                                
     (losses) on investments.......       (4,894,564)       (1,290,638)       (20,116,179)         18,870,177
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       (2,918,704)           468,380        (6,534,494)         24,012,369
                                    -----------------  ----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........            46,729           199,027            999,559          1,977,723
   Net transfers (including fixed                                                                            
     account)......................         (768,700)         (198,561)        (3,131,031)        (4,030,414)
   Contract charges................         (174,137)         (185,099)          (810,469)          (881,864)
   Transfers for Contract benefits                                                                           
     and terminations..............       (3,170,905)       (2,152,323)       (16,759,623)       (14,505,394)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......       (4,067,013)       (2,336,956)       (19,701,564)       (17,439,949)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............       (6,985,717)       (1,868,576)       (26,236,058)          6,572,420
NET ASSETS:                                                                                                  
   Beginning of year...............        24,628,939        26,497,515        124,432,486        117,860,066
                                    -----------------  ----------------  -----------------  -----------------
   End of year..................... $      17,643,222  $     24,628,939  $      98,196,428  $     124,432,486
                                    =================  ================  =================  =================


                                               BHFTI METLIFE                                                 
                                         MULTI-INDEX TARGETED RISK                                           
                                                 DIVISION                                                    
                                    -----------------------------------                                      
                                          2018               2017                                            
                                    ----------------  -----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      4,538,576  $       2,139,776                                      
   Net realized gains (losses).....       64,176,779         30,922,567                                      
   Change in unrealized gains                                                                                
     (losses) on investments.......    (145,430,446)         89,709,027                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............     (76,715,091)        122,771,370                                      
                                    ----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........          748,523          5,106,272                                      
   Net transfers (including fixed                                                                            
     account)......................       20,489,469          2,725,483                                      
   Contract charges................     (12,407,270)       (12,176,759)                                      
   Transfers for Contract benefits                                                                           
     and terminations..............     (77,781,554)       (52,368,635)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (68,950,832)       (56,713,639)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets..............    (145,665,923)         66,057,731                                      
NET ASSETS:                                                                                                  
   Beginning of year...............      966,194,514        900,136,783                                      
                                    ----------------  -----------------                                      
   End of year..................... $    820,528,591  $     966,194,514                                      
                                    ================  =================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                                   BHFTI                        BHFTI MORGAN STANLEY         
                                       MFS(R) RESEARCH INTERNATIONAL               MID CAP GROWTH            
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ----------------------------------- 
                                          2018               2017               2018              2017       
                                    -----------------  ----------------  -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       1,464,679  $      1,153,813  $     (4,648,338)  $    (2,909,008) 
   Net realized gains (losses).....         2,813,023         1,415,099         93,364,240        17,261,420 
   Change in unrealized gains                                                                                
     (losses) on investments.......      (31,784,610)        43,982,063       (56,133,261)        85,780,558 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      (27,506,908)        46,550,975         32,582,641       100,132,970 
                                    -----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         2,701,008         3,813,844          5,677,315         6,647,229 
   Net transfers (including fixed                                                                            
     account)......................           736,469      (10,943,262)          1,298,690       (6,073,102) 
   Contract charges................         (895,648)         (994,027)          (481,430)         (443,639) 
   Transfers for Contract benefits                                                                           
     and terminations..............      (23,354,398)      (21,425,862)       (38,693,482)      (29,996,813) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (20,812,569)      (29,549,307)       (32,198,907)      (29,866,325) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............      (48,319,477)        17,001,668            383,734        70,266,645 
NET ASSETS:                                                                                                  
   Beginning of year...............       202,267,389       185,265,721        339,623,699       269,357,054 
                                    -----------------  ----------------  -----------------  ---------------- 
   End of year..................... $     153,947,912  $    202,267,389  $     340,007,433  $    339,623,699 
                                    =================  ================  =================  ================ 


                                                   BHFTI                           BHFTI PANAGORA            
                                         OPPENHEIMER GLOBAL EQUITY             GLOBAL DIVERSIFIED RISK       
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ------------------------------------
                                           2018              2017               2018              2017       
                                    -----------------  ----------------  -----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       (397,449)  $      (658,217)  $     (1,077,891)  $     (1,204,233)
   Net realized gains (losses).....        37,327,295        13,988,566          6,528,858            797,418
   Change in unrealized gains                                                                                
     (losses) on investments.......      (73,719,904)        65,880,609       (13,167,717)         10,637,787
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      (36,790,058)        79,210,958        (7,716,750)         10,230,972
                                    -----------------  ----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         3,590,374         4,318,629             65,784            482,417
   Net transfers (including fixed                                                                            
     account)......................         9,912,669       (9,995,622)        (8,040,968)         12,108,474
   Contract charges................       (1,070,883)       (1,103,059)        (1,179,387)        (1,254,703)
   Transfers for Contract benefits                                                                           
     and terminations..............      (32,226,019)      (30,292,514)        (6,075,186)        (5,393,409)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (19,793,859)      (37,072,566)       (15,229,757)          5,942,779
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............      (56,583,917)        42,138,392       (22,946,507)         16,173,751
NET ASSETS:                                                                                                  
   Beginning of year...............       282,853,081       240,714,689         95,392,815         79,219,064
                                    -----------------  ----------------  -----------------  -----------------
   End of year..................... $     226,269,164  $    282,853,081  $      72,446,308  $      95,392,815
                                    =================  ================  =================  =================


                                                BHFTI PIMCO                                                  
                                         INFLATION PROTECTED BOND             BHFTI PIMCO TOTAL RETURN       
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ----------------------------------- 
                                          2018              2017               2018               2017       
                                    ----------------  -----------------  ----------------  ----------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      1,329,280  $       1,342,846  $      1,045,105  $       4,870,970 
   Net realized gains (losses).....      (9,388,897)        (4,187,546)       (8,796,586)          1,942,483 
   Change in unrealized gains                                                                                
     (losses) on investments.......      (6,574,439)         12,261,154       (6,466,381)         22,817,382 
                                    ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............     (14,634,056)          9,416,454      (14,217,862)         29,630,835 
                                    ----------------  -----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........        2,930,108          5,334,696         7,191,752         12,115,447 
   Net transfers (including fixed                                                                            
     account)......................      (3,556,735)         30,757,475       (9,430,049)         55,309,551 
   Contract charges................      (3,260,729)        (3,467,644)       (6,079,401)        (6,434,877) 
   Transfers for Contract benefits                                                                           
     and terminations..............     (58,283,108)       (51,938,296)     (127,865,736)      (108,240,821) 
                                    ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (62,170,464)       (19,313,769)     (136,183,434)       (47,250,700) 
                                    ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets..............     (76,804,520)        (9,897,315)     (150,401,296)       (17,619,865) 
NET ASSETS:                                                                                                  
   Beginning of year...............      425,983,675        435,880,990       908,315,454        925,935,319 
                                    ----------------  -----------------  ----------------  ----------------- 
   End of year..................... $    349,179,155  $     425,983,675  $    757,914,158  $     908,315,454 
                                    ================  =================  ================  ================= 


                                                   BHFTI                                                     
                                       SCHRODERS GLOBAL MULTI-ASSET                                          
                                                 DIVISION                                                    
                                    -----------------------------------                                      
                                          2018               2017                                            
                                    ----------------  -----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      3,158,669  $     (2,462,878)                                      
   Net realized gains (losses).....       45,904,038         15,061,284                                      
   Change in unrealized gains                                                                                
     (losses) on investments.......    (128,644,774)         54,268,929                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............     (79,582,067)         66,867,335                                      
                                    ----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........          355,391          2,343,769                                      
   Net transfers (including fixed                                                                            
     account)......................      359,318,742        (1,145,660)                                      
   Contract charges................     (10,798,092)        (7,311,990)                                      
   Transfers for Contract benefits                                                                           
     and terminations..............     (65,103,706)       (33,646,789)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      283,772,335       (39,760,670)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets..............      204,190,268         27,106,665                                      
NET ASSETS:                                                                                                  
   Beginning of year...............      564,139,933        537,033,268                                      
                                    ----------------  -----------------                                      
   End of year..................... $    768,330,201  $     564,139,933                                      
                                    ================  =================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                                  BHFTI                             BHFTI SSGA              
                                     SCHRODERS GLOBAL MULTI-ASSET II           GROWTH AND INCOME ETF        
                                                DIVISION                             DIVISION               
                                    ----------------------------------  ----------------------------------- 
                                        2018 (a)            2017              2018               2017       
                                    ----------------  ----------------  -----------------  ---------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $      5,310,862  $      (899,009)  $       8,594,688  $     10,386,039 
   Net realized gains (losses)....        36,653,949         2,342,236         47,430,407        11,148,158 
   Change in unrealized gains                                                                               
     (losses) on investments......      (59,788,846)        54,207,140      (113,441,953)        95,975,484 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............      (17,824,035)        55,650,367       (57,416,858)       117,509,681 
                                    ----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........            57,766         2,929,464          3,284,546         7,828,489 
   Net transfers (including fixed                                                                           
     account).....................     (393,330,557)        16,656,320       (10,646,177)      (21,747,400) 
   Contract charges...............       (1,433,298)       (5,082,009)        (8,629,191)       (9,168,108) 
   Transfers for Contract benefits                                                                          
     and terminations.............       (9,912,775)      (23,925,298)      (116,127,748)      (86,607,473) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       Contract transactions......     (404,618,864)       (9,421,523)      (132,118,570)     (109,694,492) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets..............     (422,442,899)        46,228,844      (189,535,428)         7,815,189 
NET ASSETS:                                                                                                 
   Beginning of year..............       422,442,899       376,214,055        869,542,351       861,727,162 
                                    ----------------  ----------------  -----------------  ---------------- 
   End of year....................  $             --  $    422,442,899  $     680,006,923  $    869,542,351 
                                    ================  ================  =================  ================ 


                                                                                       BHFTI                
                                          BHFTI SSGA GROWTH ETF            T. ROWE PRICE LARGE CAP VALUE    
                                                DIVISION                             DIVISION               
                                    ----------------------------------  ----------------------------------- 
                                          2018              2017               2018              2017       
                                    ----------------  ----------------  -----------------  ---------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $      1,138,911  $      1,290,711  $           3,293  $          4,835 
   Net realized gains (losses)....        10,516,159         3,016,141             47,960            48,741 
   Change in unrealized gains                                                                               
     (losses) on investments......      (25,633,736)        20,976,065           (98,805)            23,850 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............      (13,978,666)        25,282,917           (47,552)            77,426 
                                    ----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........         2,093,140         2,975,527              5,371            44,186 
   Net transfers (including fixed                                                                           
     account).....................       (1,389,726)          (60,439)          (116,206)            77,096 
   Contract charges...............       (1,020,064)       (1,042,753)               (56)              (61) 
   Transfers for Contract benefits                                                                          
     and terminations.............      (15,329,840)      (15,165,437)           (11,057)          (61,455) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       Contract transactions......      (15,646,490)      (13,293,102)          (121,948)            59,766 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets..............      (29,625,156)        11,989,815          (169,500)           137,192 
NET ASSETS:                                                                                                 
   Beginning of year..............       157,056,020       145,066,205            578,718           441,526 
                                    ----------------  ----------------  -----------------  ---------------- 
   End of year....................  $    127,430,864  $    157,056,020  $         409,218  $        578,718 
                                    ================  ================  =================  ================ 


                                                   BHFTI                                                    
                                       T. ROWE PRICE MID CAP GROWTH          BHFTI TCW CORE FIXED INCOME    
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                          2018              2017                2018              2017      
                                    ----------------  -----------------   ----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (6,260,037)  $     (6,096,475)   $          2,606  $            947
   Net realized gains (losses)....        79,489,812         49,719,764              (511)             (131)
   Change in unrealized gains                                                                               
     (losses) on investments......      (85,021,781)         57,760,642            (5,232)             3,477
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............      (11,792,006)        101,383,931            (3,137)             4,293
                                    ----------------  -----------------   ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........         7,979,505         10,627,642                 --             1,078
   Net transfers (including fixed                                                                           
     account).....................      (10,448,692)        (2,606,563)                 --          (51,424)
   Contract charges...............       (2,211,372)        (2,256,763)                (2)               (3)
   Transfers for Contract benefits                                                                          
     and terminations.............      (59,595,016)       (52,403,267)           (14,027)          (17,008)
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       Contract transactions......      (64,275,575)       (46,638,951)           (14,029)          (67,357)
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease)                                                                                
       in net assets..............      (76,067,581)         54,744,980           (17,166)          (63,064)
NET ASSETS:                                                                                                 
   Beginning of year..............       506,160,540        451,415,560            255,408           318,472
                                    ----------------  -----------------   ----------------  ----------------
   End of year....................  $    430,092,959  $     506,160,540   $        238,242  $        255,408
                                    ================  =================   ================  ================


                                                   BHFTI                                                    
                                      VICTORY SYCAMORE MID CAP VALUE                                        
                                                 DIVISION                                                   
                                    ----------------------------------                                      
                                          2018              2017                                            
                                    ----------------  ----------------                                      
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (2,461,988)  $    (1,066,659)                                      
   Net realized gains (losses)....        74,803,735         5,902,965                                      
   Change in unrealized gains                                                                               
     (losses) on investments......     (112,705,634)        28,563,919                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............      (40,363,887)        33,400,225                                      
                                    ----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........         4,599,317         7,000,693                                      
   Net transfers (including fixed                                                                           
     account).....................       (8,334,121)       (1,087,546)                                      
   Contract charges...............       (1,432,482)       (1,535,273)                                      
   Transfers for Contract benefits                                                                          
     and terminations.............      (52,061,753)      (45,451,743)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       Contract transactions......      (57,229,039)      (41,073,869)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
       in net assets..............      (97,592,926)       (7,673,644)                                      
NET ASSETS:                                                                                                 
   Beginning of year..............       424,806,982       432,480,626                                      
                                    ----------------  ----------------                                      
   End of year....................  $    327,214,056  $    424,806,982                                      
                                    ================  ================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                              BHFTI WELLS CAPITAL                         BHFTII                
                                           MANAGEMENT MID CAP VALUE         BAILLIE GIFFORD INTERNATIONAL STOCK 
                                                   DIVISION                              DIVISION               
                                     ------------------------------------  -------------------------------------
                                            2018              2017                2018              2017        
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $         (1,136)  $           (812)  $       (247,878)  $       (157,306) 
   Net realized gains (losses)......            28,159                530          2,678,723          2,005,558 
   Change in unrealized gains                                                                                   
     (losses) on investments........          (76,605)             30,168       (26,191,316)         36,135,010 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............          (49,582)             29,886       (23,760,471)         37,983,262 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........                --                138          1,438,230          1,837,132 
   Net transfers (including fixed                                                                               
     account).......................             4,585              4,742          3,655,824        (6,093,311) 
   Contract charges.................               (8)                (9)          (367,032)          (400,844) 
   Transfers for Contract benefits                                                                              
     and terminations...............           (7,985)           (16,561)       (14,197,616)       (13,718,026) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......           (3,408)           (11,690)        (9,470,594)       (18,375,049) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............          (52,990)             18,196       (33,231,065)         19,608,213 
NET ASSETS:                                                                                                     
   Beginning of year................           342,503            324,307        139,877,341        120,269,128 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $         289,513  $         342,503  $     106,646,276  $     139,877,341 
                                     =================  =================  =================  ================= 


                                                   BHFTII                                BHFTII                 
                                            BLACKROCK BOND INCOME            BLACKROCK CAPITAL APPRECIATION     
                                                  DIVISION                              DIVISION                
                                     ------------------------------------  ------------------------------------ 
                                            2018              2017                2018               2017       
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       8,430,040  $       8,056,197  $     (2,471,487)  $     (2,251,481) 
   Net realized gains (losses)......       (3,300,348)          (462,981)         38,888,058         12,764,019 
   Change in unrealized gains                                                                                   
     (losses) on investments........      (13,666,818)          4,619,528       (32,921,031)         38,506,910 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............       (8,537,126)         12,212,744          3,495,540         49,019,448 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........         3,664,688          6,188,153          2,155,757          2,768,885 
   Net transfers (including fixed                                                                               
     account).......................           102,605         23,106,602          3,832,325        (5,972,941) 
   Contract charges.................       (2,240,327)        (2,388,256)        (1,025,484)        (1,037,964) 
   Transfers for Contract benefits                                                                              
     and terminations...............      (56,707,349)       (53,749,282)       (26,069,535)       (18,981,157) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......      (55,180,383)       (26,842,783)       (21,106,937)       (23,223,177) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............      (63,717,509)       (14,630,039)       (17,611,397)         25,796,271 
NET ASSETS:                                                                                                     
   Beginning of year................       455,410,535        470,040,574        187,945,552        162,149,281 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $     391,693,026  $     455,410,535  $     170,334,155  $     187,945,552 
                                     =================  =================  =================  ================= 


                                                   BHFTII                                BHFTII                 
                                       BLACKROCK ULTRA-SHORT TERM BOND       BRIGHTHOUSE ASSET ALLOCATION 20    
                                                  DIVISION                              DIVISION                
                                     ------------------------------------  ------------------------------------ 
                                            2018              2017               2018               2017        
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       (278,093)  $       (700,411)  $       3,366,791  $       3,410,307 
   Net realized gains (losses)......           168,644             60,067          2,797,570          5,725,055 
   Change in unrealized gains                                                                                   
     (losses) on investments........           241,176            266,651       (20,365,598)         14,237,838 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............           131,727          (373,693)       (14,201,237)         23,373,200 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........           131,922          1,841,539          2,757,238          4,050,828 
   Net transfers (including fixed                                                                               
     account).......................         9,861,911          3,864,447        (5,843,803)          (655,687) 
   Contract charges.................         (469,633)          (489,782)        (2,850,031)        (3,028,422) 
   Transfers for Contract benefits                                                                              
     and terminations...............      (15,709,056)        (8,551,899)       (53,035,334)       (60,336,378) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......       (6,184,856)        (3,335,695)       (58,971,930)       (59,969,659) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............       (6,053,129)        (3,709,388)       (73,173,167)       (36,596,459) 
NET ASSETS:                                                                                                     
   Beginning of year................        56,416,026         60,125,414        409,028,440        445,624,899 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $      50,362,897  $      56,416,026  $     335,855,273  $     409,028,440 
                                     =================  =================  =================  ================= 


                                                   BHFTII                                                       
                                       BRIGHTHOUSE ASSET ALLOCATION 40                                          
                                                  DIVISION                                                      
                                     ------------------------------------                                       
                                            2018               2017                                             
                                     -----------------  -----------------                                       
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       7,805,656  $       8,480,498                                       
   Net realized gains (losses)......        39,529,437         45,744,531                                       
   Change in unrealized gains                                                                                   
     (losses) on investments........     (104,154,220)         51,406,697                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............      (56,819,127)        105,631,726                                       
                                     -----------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from Contract owners...........         7,368,658         14,090,002                                       
   Net transfers (including fixed                                                                               
     account).......................      (19,336,067)       (14,808,050)                                       
   Contract charges.................       (8,489,757)        (9,107,743)                                       
   Transfers for Contract benefits                                                                              
     and terminations...............     (152,736,750)      (151,444,181)                                       
                                     -----------------  -----------------                                       
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        Contract transactions.......     (173,193,916)      (161,269,972)                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets...............     (230,013,043)       (55,638,246)                                       
NET ASSETS:                                                                                                     
   Beginning of year................     1,155,673,990      1,211,312,236                                       
                                     -----------------  -----------------                                       
   End of year...................... $     925,660,947  $   1,155,673,990                                       
                                     =================  =================                                       

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                                    BHFTII                               BHFTII                
                                        BRIGHTHOUSE ASSET ALLOCATION 60      BRIGHTHOUSE ASSET ALLOCATION 80   
                                                   DIVISION                             DIVISION               
                                     ------------------------------------  ------------------------------------
                                            2018               2017              2018               2017       
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $      14,368,620  $      19,072,269  $       1,400,648  $       6,027,006
   Net realized gains (losses)......       200,682,587        204,600,879        125,979,857        135,691,672
   Change in unrealized gains                                                                                  
     (losses) on investments........     (462,497,546)        267,993,873      (282,546,629)        165,033,962
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............     (247,446,339)        491,667,021      (155,166,124)        306,752,640
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........        36,739,673         57,932,423         32,023,975         43,342,542
   Net transfers (including fixed                                                                              
     account).......................      (36,898,271)       (21,745,672)       (28,161,480)       (20,010,213)
   Contract charges.................      (31,832,894)       (33,935,618)       (12,178,913)       (12,702,647)
   Transfers for Contract benefits                                                                             
     and terminations...............     (518,094,167)      (442,881,408)      (236,287,529)      (192,677,018)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......     (550,085,659)      (440,630,275)      (244,603,947)      (182,047,336)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............     (797,531,998)         51,036,746      (399,770,071)        124,705,304
NET ASSETS:                                                                                                    
   Beginning of year................     3,928,953,268      3,877,916,522      1,933,591,736      1,808,886,432
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $   3,131,421,270  $   3,928,953,268  $   1,533,821,665  $   1,933,591,736
                                     =================  =================  =================  =================


                                                   BHFTII                    BHFTII BRIGHTHOUSE/DIMENSIONAL    
                                      BRIGHTHOUSE/ARTISAN MID CAP VALUE        INTERNATIONAL SMALL COMPANY     
                                                  DIVISION                              DIVISION               
                                     ------------------------------------  ------------------------------------
                                           2018               2017               2018                2017      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $     (1,623,259)  $     (1,518,868)  $         110,750  $          60,829
   Net realized gains (losses)......        15,566,477          3,525,345            642,470            382,702
   Change in unrealized gains                                                                                  
     (losses) on investments........      (42,659,193)         22,185,986        (2,740,019)          1,781,452
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............      (28,715,975)         24,192,463        (1,986,799)          2,224,983
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         2,656,137          4,203,421             45,448             63,299
   Net transfers (including fixed                                                                              
     account).......................       (2,200,517)        (8,072,795)            832,258          (159,645)
   Contract charges.................         (569,278)          (612,038)           (51,653)           (56,558)
   Transfers for Contract benefits                                                                             
     and terminations...............      (26,110,139)       (26,464,802)        (1,149,785)          (833,823)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (26,223,797)       (30,946,214)          (323,732)          (986,727)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............      (54,939,772)        (6,753,751)        (2,310,531)          1,238,256
NET ASSETS:                                                                                                    
   Beginning of year................       226,673,877        233,427,628          9,595,917          8,357,661
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     171,734,105  $     226,673,877  $       7,285,386  $       9,595,917
                                     =================  =================  =================  =================


                                                    BHFTII                     BHFTII BRIGHTHOUSE/WELLINGTON   
                                        BRIGHTHOUSE/WELLINGTON BALANCED          CORE EQUITY OPPORTUNITIES     
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2018               2017               2018              2017       
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       2,720,306  $       3,805,647  $       1,741,996  $         815,139
   Net realized gains (losses)......        52,707,069         23,049,190         37,148,328         23,311,211
   Change in unrealized gains                                                                                  
     (losses) on investments........      (82,402,849)         50,501,388       (43,246,876)         66,394,541
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............      (26,975,474)         77,356,225        (4,356,552)         90,520,891
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         5,264,212          8,269,596          5,603,941          8,110,994
   Net transfers (including fixed                                                                              
     account).......................       (3,101,512)        (4,147,326)       (26,814,117)       (17,483,984)
   Contract charges.................         (283,597)          (300,463)        (2,598,546)        (2,761,142)
   Transfers for Contract benefits                                                                             
     and terminations...............      (63,305,703)       (58,955,901)       (71,109,914)       (62,931,863)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (61,426,600)       (55,134,094)       (94,918,636)       (75,065,995)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............      (88,402,074)         22,222,131       (99,275,188)         15,454,896
NET ASSETS:                                                                                                    
   Beginning of year................       610,158,972        587,936,841        570,742,746        555,287,850
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     521,756,898  $     610,158,972  $     471,467,558  $     570,742,746
                                     =================  =================  =================  =================



                                       BHFTII FRONTIER MID CAP GROWTH                                          
                                                  DIVISION                                                     
                                     ------------------------------------                                      
                                           2018               2017                                             
                                     -----------------  -----------------                                      
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $     (6,126,797)  $     (6,020,390)                                      
   Net realized gains (losses)......        72,756,532         26,427,851                                      
   Change in unrealized gains                                                                                  
     (losses) on investments........      (95,558,241)         82,851,733                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............      (28,928,506)        103,259,194                                      
                                     -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         3,645,626          4,102,396                                      
   Net transfers (including fixed                                                                              
     account).......................       (9,513,715)        (8,115,219)                                      
   Contract charges.................         (579,336)          (610,404)                                      
   Transfers for Contract benefits                                                                             
     and terminations...............      (50,297,421)       (45,437,009)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (56,744,846)       (50,060,236)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets...............      (85,673,352)         53,198,958                                      
NET ASSETS:                                                                                                    
   Beginning of year................       508,449,789        455,250,831                                      
                                     -----------------  -----------------                                      
   End of year...................... $     422,776,437  $     508,449,789                                      
                                     =================  =================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                                                                       BHFTII               
                                          BHFTII JENNISON GROWTH            LOOMIS SAYLES SMALL CAP CORE    
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                          2018               2017              2018               2017      
                                    -----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $     (2,326,922)  $    (2,124,364)  $     (2,207,264)  $    (2,009,459)
   Net realized gains (losses).....        39,885,739        18,197,469         23,029,133        15,896,503
   Change in unrealized gains                                                                               
     (losses) on investments.......      (38,210,053)        39,899,960       (40,023,872)         9,390,051
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............         (651,236)        55,973,065       (19,202,003)        23,277,095
                                    -----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners..........         2,762,584         2,947,583          2,205,845         3,092,619
   Net transfers (including fixed                                                                           
     account)......................         9,029,320           130,091        (3,382,877)       (2,092,741)
   Contract charges................       (1,090,263)       (1,072,527)          (696,424)         (730,158)
   Transfers for Contract benefits                                                                          
     and terminations..............      (27,795,485)      (21,282,234)       (20,192,372)      (19,220,210)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions......      (17,093,844)      (19,277,087)       (22,065,828)      (18,950,490)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets..............      (17,745,080)        36,695,978       (41,267,831)         4,326,605
NET ASSETS:                                                                                                 
   Beginning of year...............       203,130,928       166,434,950        185,343,480       181,016,875
                                    -----------------  ----------------  -----------------  ----------------
   End of year..................... $     185,385,848  $    203,130,928  $     144,075,649  $    185,343,480
                                    =================  ================  =================  ================


                                                  BHFTII                               BHFTII               
                                      LOOMIS SAYLES SMALL CAP GROWTH        METLIFE AGGREGATE BOND INDEX    
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                           2018              2017              2018               2017      
                                    -----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $       (747,566)  $      (633,406)  $      16,828,943  $     17,047,515
   Net realized gains (losses).....        10,060,462         3,505,237        (7,777,871)         (759,983)
   Change in unrealized gains                                                                               
     (losses) on investments.......      (10,074,579)         8,668,646       (29,059,862)         3,486,073
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............         (761,683)        11,540,477       (20,008,790)        19,773,605
                                    -----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners..........         1,137,141         1,269,391         14,691,224        23,503,658
   Net transfers (including fixed                                                                           
     account)......................         6,237,168       (1,010,201)          (894,001)        71,464,358
   Contract charges................         (140,406)         (119,058)        (6,212,134)       (6,535,417)
   Transfers for Contract benefits                                                                          
     and terminations..............       (6,836,531)       (5,506,258)      (140,143,494)     (130,286,348)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions......           397,372       (5,366,126)      (132,558,405)      (41,853,749)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets..............         (364,311)         6,174,351      (152,567,195)      (22,080,144)
NET ASSETS:                                                                                                 
   Beginning of year...............        54,566,730        48,392,379      1,126,629,342     1,148,709,486
                                    -----------------  ----------------  -----------------  ----------------
   End of year..................... $      54,202,419  $     54,566,730  $     974,062,147  $  1,126,629,342
                                    =================  ================  =================  ================


                                                  BHFTII                               BHFTII               
                                        METLIFE MID CAP STOCK INDEX          METLIFE MSCI EAFE(R) INDEX     
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                          2018               2017              2018               2017      
                                    -----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $       (861,710)  $       (86,238)  $       7,705,744  $      6,821,892
   Net realized gains (losses).....        65,922,158        54,030,656          7,834,520         9,980,536
   Change in unrealized gains                                                                               
     (losses) on investments.......     (127,738,599)        22,260,577       (91,215,920)        90,321,216
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............      (62,678,151)        76,204,995       (75,675,656)       107,123,644
                                    -----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners..........        10,396,487        13,688,175         10,122,934        14,028,712
   Net transfers (including fixed                                                                           
     account)......................       (5,711,041)       (5,386,844)         25,633,067      (31,020,811)
   Contract charges................       (1,934,011)       (2,050,956)        (2,016,659)       (2,198,948)
   Transfers for Contract benefits                                                                          
     and terminations..............      (66,449,981)      (59,933,134)       (57,988,176)      (52,600,370)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions......      (63,698,546)      (53,682,759)       (24,248,834)      (71,791,417)
                                    -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets..............     (126,376,697)        22,522,236       (99,924,490)        35,332,227
NET ASSETS:                                                                                                 
   Beginning of year...............       580,186,948       557,664,712        524,736,160       489,403,933
                                    -----------------  ----------------  -----------------  ----------------
   End of year..................... $     453,810,251  $    580,186,948  $     424,811,670  $    524,736,160
                                    =================  ================  =================  ================


                                                  BHFTII                                                    
                                       METLIFE RUSSELL 2000(R) INDEX                                        
                                                 DIVISION                                                   
                                    -----------------------------------                                     
                                           2018              2017                                           
                                    -----------------  ----------------                                     
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $       (975,720)  $      (514,893)                                     
   Net realized gains (losses).....        42,159,763        28,279,676                                     
   Change in unrealized gains                                                                               
     (losses) on investments.......      (79,691,483)        17,271,752                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............      (38,507,440)        45,036,535                                     
                                    -----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners..........         6,852,241         9,620,298                                     
   Net transfers (including fixed                                                                           
     account)......................       (1,203,662)         1,575,485                                     
   Contract charges................       (1,010,682)       (1,047,385)                                     
   Transfers for Contract benefits                                                                          
     and terminations..............      (42,522,989)      (36,609,580)                                     
                                    -----------------  ----------------                                     
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions......      (37,885,092)      (26,461,182)                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
        in net assets..............      (76,392,532)        18,575,353                                     
NET ASSETS:                                                                                                 
   Beginning of year...............       373,905,362       355,330,009                                     
                                    -----------------  ----------------                                     
   End of year..................... $     297,512,830  $    373,905,362                                     
                                    =================  ================                                     

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]


                                        BHFTII METLIFE STOCK INDEX           BHFTII MFS(R) TOTAL RETURN      
                                                 DIVISION                             DIVISION               
                                    -----------------------------------  ----------------------------------- 
                                          2018              2017               2018               2017       
                                    ----------------  -----------------  ----------------  ----------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $     14,365,704  $      13,689,433  $      1,275,700  $       1,733,488 
   Net realized gains (losses).....      335,365,461        221,254,342        10,937,573         11,329,207 
   Change in unrealized gains                                                                                
     (losses) on investments.......    (502,073,849)        326,468,528      (21,195,730)          2,085,703 
                                    ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............    (152,342,684)        561,412,303       (8,982,457)         15,148,398 
                                    ----------------  -----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........       39,382,302         52,505,907         1,643,789          2,195,575 
   Net transfers (including fixed                                                                            
     account)......................     (50,319,982)       (65,927,211)       (3,417,899)          1,389,791 
   Contract charges................      (7,187,199)        (7,535,414)         (432,906)          (471,152) 
   Transfers for Contract benefits                                                                           
     and terminations..............    (350,940,199)      (320,802,517)      (16,392,302)       (19,550,057) 
                                    ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......    (369,065,078)      (341,759,235)      (18,599,318)       (16,435,843) 
                                    ----------------  -----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets..............    (521,407,762)        219,653,068      (27,581,775)        (1,287,445) 
NET ASSETS:                                                                                                  
   Beginning of year...............    3,191,113,485      2,971,460,417       145,097,990        146,385,435 
                                    ----------------  -----------------  ----------------  ----------------- 
   End of year..................... $  2,669,705,723  $   3,191,113,485  $    117,516,215  $     145,097,990 
                                    ================  =================  ================  ================= 



                                            BHFTII MFS(R) VALUE                 BHFTII MFS(R) VALUE II       
                                                 DIVISION                              DIVISION              
                                    -----------------------------------  ------------------------------------
                                           2018              2017             2018 (a)             2017      
                                    -----------------  ----------------  -----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       1,321,198  $      3,259,229  $       5,951,121  $       2,953,484
   Net realized gains (losses).....        49,279,328        36,637,754       (25,889,847)        (3,510,786)
   Change in unrealized gains                                                                                
     (losses) on investments.......     (119,754,398)        37,801,662         11,408,552         15,257,924
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      (69,153,872)        77,698,645        (8,530,174)         14,700,622
                                    -----------------  ----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         7,489,984         8,478,120          1,438,339          4,433,464
   Net transfers (including fixed                                                                            
     account)......................       219,806,311      (10,925,494)      (236,447,555)          3,052,126
   Contract charges................       (2,654,248)       (1,999,998)          (420,741)        (1,319,477)
   Transfers for Contract benefits                                                                           
     and terminations..............      (81,035,818)      (55,996,065)       (10,291,478)       (28,879,364)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......       143,606,229      (60,443,437)      (245,721,435)       (22,713,251)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............        74,452,357        17,255,208      (254,251,609)        (8,012,629)
NET ASSETS:                                                                                                  
   Beginning of year...............       523,781,737       506,526,529        254,251,609        262,264,238
                                    -----------------  ----------------  -----------------  -----------------
   End of year..................... $     598,234,094  $    523,781,737  $              --  $     254,251,609
                                    =================  ================  =================  =================


                                                                                      BHFTII                 
                                      BHFTII NEUBERGER BERMAN GENESIS     T. ROWE PRICE LARGE CAP GROWTH     
                                                 DIVISION                            DIVISION                
                                    ----------------------------------  -----------------------------------  
                                          2018              2017              2018               2017        
                                    ----------------  ----------------  -----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $    (3,137,215)  $    (2,931,011)  $     (6,101,001)  $    (6,183,150)  
   Net realized gains (losses).....       49,898,253        36,628,408        130,647,456        46,716,332  
   Change in unrealized gains                                                                                
     (losses) on investments.......     (67,400,301)         7,109,136      (133,824,761)       112,964,163  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............     (20,639,263)        40,806,533        (9,278,306)       153,497,345  
                                    ----------------  ----------------  -----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........        3,592,563         5,334,821         11,138,742        14,066,430  
   Net transfers (including fixed                                                                            
     account)......................      (5,131,524)       (5,128,452)            229,573         8,296,374  
   Contract charges................        (647,558)         (673,221)        (1,965,384)       (1,857,240)  
   Transfers for Contract benefits                                                                           
     and terminations..............     (35,791,575)      (32,612,137)       (70,403,522)      (56,046,547)  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......     (37,978,094)      (33,078,989)       (61,000,591)      (35,540,983)  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets..............     (58,617,357)         7,727,544       (70,278,897)       117,956,362  
NET ASSETS:                                                                                                  
   Beginning of year...............      314,115,956       306,388,412        609,640,874       491,684,512  
                                    ----------------  ----------------  -----------------  ----------------  
   End of year..................... $    255,498,599  $    314,115,956  $     539,361,977  $    609,640,874  
                                    ================  ================  =================  ================  


                                                   BHFTII                                                    
                                       T. ROWE PRICE SMALL CAP GROWTH                                        
                                                  DIVISION                                                   
                                    ------------------------------------                                     
                                           2018               2017                                           
                                     ----------------  -----------------                                     
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)....  $    (5,517,602)  $     (4,623,495)                                     
   Net realized gains (losses).....        57,618,276         39,161,019                                     
   Change in unrealized gains                                                                                
     (losses) on investments.......      (82,396,321)         50,456,480                                     
                                     ----------------  -----------------                                     
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      (30,295,647)         84,994,004                                     
                                     ----------------  -----------------                                     
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from Contract owners..........         7,435,971          9,518,108                                     
   Net transfers (including fixed                                                                            
     account)......................       (3,649,914)          3,554,656                                     
   Contract charges................       (1,208,814)        (1,199,696)                                     
   Transfers for Contract benefits                                                                           
     and terminations..............      (50,903,991)       (42,605,162)                                     
                                     ----------------  -----------------                                     
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        Contract transactions......      (48,326,748)       (30,732,094)                                     
                                     ----------------  -----------------                                     
     Net increase (decrease)                                                                                 
        in net assets..............      (78,622,395)         54,261,910                                     
NET ASSETS:                                                                                                  
   Beginning of year...............       467,200,326        412,938,416                                     
                                     ----------------  -----------------                                     
   End of year.....................  $    388,577,931  $     467,200,326                                     
                                     ================  =================                                     

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                                    BHFTII                   BHFTII WESTERN ASSET MANAGEMENT   
                                       VAN ECK GLOBAL NATURAL RESOURCES       STRATEGIC BOND OPPORTUNITIES     
                                                   DIVISION                             DIVISION               
                                     ------------------------------------  ------------------------------------
                                            2018               2017              2018               2017       
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       (395,048)  $       (430,265)  $      18,664,589  $      13,458,730
   Net realized gains (losses)......         (761,463)          (798,339)          1,364,969          4,574,266
   Change in unrealized gains                                                                                  
     (losses) on investments........       (8,618,297)          1,025,927       (45,377,042)         16,325,415
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............       (9,774,808)          (202,677)       (25,347,484)         34,358,411
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........            35,318            201,815          5,451,556          7,736,409
   Net transfers (including fixed                                                                              
     account).......................         1,683,759          5,504,707        (2,285,045)          7,271,506
   Contract charges.................         (375,361)          (393,637)        (1,916,764)        (2,092,968)
   Transfers for Contract benefits                                                                             
     and terminations...............       (4,736,909)        (3,432,665)       (67,624,089)       (68,874,992)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (3,393,193)          1,880,220       (66,374,342)       (55,960,045)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............      (13,168,001)          1,677,543       (91,721,826)       (21,601,634)
NET ASSETS:                                                                                                    
   Beginning of year................        37,269,860         35,592,317        514,265,588        535,867,222
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $      24,101,859  $      37,269,860  $     422,543,762  $     514,265,588
                                     =================  =================  =================  =================


                                            BHFTII WESTERN ASSET                                               
                                         MANAGEMENT U.S. GOVERNMENT         BLACKROCK GLOBAL ALLOCATION V.I.   
                                                  DIVISION                              DIVISION               
                                     ------------------------------------  ------------------------------------
                                           2018               2017               2018                2017      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $       1,248,130  $       1,967,595  $           (616)  $         (3,923)
   Net realized gains (losses)......       (1,552,551)          (544,768)              2,696              9,227
   Change in unrealized gains                                                                                  
     (losses) on investments........         (754,838)          (649,450)           (12,549)             40,371
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............       (1,059,259)            773,377           (10,469)             45,675
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         1,414,724          2,098,063                 --                 --
   Net transfers (including fixed                                                                              
     account).......................         1,001,762         11,624,638              3,516             52,415
   Contract charges.................         (860,978)          (906,327)                (3)                (3)
   Transfers for Contract benefits                                                                             
     and terminations...............      (23,173,581)       (21,317,804)            (1,072)          (523,165)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......      (21,618,073)        (8,501,430)              2,441          (470,753)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............      (22,677,332)        (7,728,053)            (8,028)          (425,078)
NET ASSETS:                                                                                                    
   Beginning of year................       159,678,213        167,406,266             96,276            521,354
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $     137,000,881  $     159,678,213  $          88,248  $          96,276
                                     =================  =================  =================  =================



                                            CALVERT VP SRI BALANCED               CALVERT VP SRI MID CAP       
                                                   DIVISION                              DIVISION              
                                     ------------------------------------  ------------------------------------
                                            2018               2017               2018               2017      
                                     -----------------  -----------------  -----------------  -----------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $         284,226  $         427,146  $        (36,210)  $        (28,270)
   Net realized gains (losses)......         5,333,401          1,402,624            961,325             43,582
   Change in unrealized gains                                                                                  
     (losses) on investments........       (7,323,486)          3,490,565        (1,285,025)            924,637
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............       (1,705,859)          5,320,335          (359,910)            939,949
                                     -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........         1,290,376          1,522,145            248,688            270,196
   Net transfers (including fixed                                                                              
     account).......................         (895,924)          (613,174)             29,460            249,644
   Contract charges.................          (19,891)           (20,392)              (542)              (862)
   Transfers for Contract benefits                                                                             
     and terminations...............       (5,884,822)        (6,924,098)        (1,494,700)        (2,848,236)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......       (5,510,261)        (6,035,519)        (1,217,094)        (2,329,258)
                                     -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                   
        in net assets...............       (7,216,120)          (715,184)        (1,577,004)        (1,389,309)
NET ASSETS:                                                                                                    
   Beginning of year................        51,869,403         52,584,587          8,745,518         10,134,827
                                     -----------------  -----------------  -----------------  -----------------
   End of year...................... $      44,653,283  $      51,869,403  $       7,168,514  $       8,745,518
                                     =================  =================  =================  =================



                                         DELAWARE VIP SMALL CAP VALUE                                          
                                                   DIVISION                                                    
                                     ------------------------------------                                      
                                            2018              2017                                             
                                     -----------------  -----------------                                      
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss)..... $            (33)  $              21                                      
   Net realized gains (losses)......             2,544              4,018                                      
   Change in unrealized gains                                                                                  
     (losses) on investments........           (4,457)            (1,043)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations.............           (1,946)              2,996                                      
                                     -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from Contract owners...........                --              4,828                                      
   Net transfers (including fixed                                                                              
     account).......................               722                658                                      
   Contract charges.................                --                 --                                      
   Transfers for Contract benefits                                                                             
     and terminations...............          (13,453)           (20,955)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        Contract transactions.......          (12,731)           (15,469)                                      
                                     -----------------  -----------------                                      
     Net increase (decrease)                                                                                   
        in net assets...............          (14,677)           (12,473)                                      
NET ASSETS:                                                                                                    
   Beginning of year................            22,010             34,483                                      
                                     -----------------  -----------------                                      
   End of year...................... $           7,333  $          22,010                                      
                                     =================  =================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]


                                         FIDELITY(R) VIP CONTRAFUND            FIDELITY(R) VIP EQUITY-INCOME                        
                                                  DIVISION                               DIVISION                                   
                                    ------------------------------------  --------------------------------------                    
                                           2018              2017                2018                2017                           
                                    -----------------  -----------------  ------------------  ------------------                    
                                                                                                                                    
INCREASE (DECREASE) IN NET ASSETS:                                                                                                  
FROM OPERATIONS:                                                                                                                    
   Net investment income (loss)...  $         (3,861)  $         (2,290)  $          865,021  $          507,075                    
   Net realized gains (losses)....             91,231            130,198           3,841,839           2,148,956                    
   Change in unrealized gains                                                                                                       
      (losses) on investments.....          (129,154)             67,138        (11,245,135)           6,057,345                    
                                    -----------------  -----------------  ------------------  ------------------                    
      Net increase (decrease)                                                                                                       
        in net assets resulting                                                                                                     
        from operations...........           (41,784)            195,046         (6,538,275)           8,713,376                    
                                    -----------------  -----------------  ------------------  ------------------                    
CONTRACT TRANSACTIONS:                                                                                                              
   Purchase payments received                                                                                                       
      from Contract owners........             13,773             99,714             887,161           1,035,049                    
   Net transfers (including fixed                                                                                                   
      account)....................                304           (24,596)           (989,519)           (883,859)                    
   Contract charges...............               (13)               (29)             (9,548)            (10,633)                    
   Transfers for Contract benefits                                                                                                  
      and terminations............          (174,871)          (671,037)         (7,954,122)        (11,275,305)                    
                                    -----------------  -----------------  ------------------  ------------------                    
      Net increase (decrease) in                                                                                                    
        net assets resulting from                                                                                                   
        Contract transactions.....          (160,807)          (595,948)         (8,066,028)        (11,134,748)                    
                                    -----------------  -----------------  ------------------  ------------------                    
      Net increase (decrease)                                                                                                       
        in net assets.............          (202,591)          (400,902)        (14,604,303)         (2,421,372)                    
NET ASSETS:                                                                                                                         
   Beginning of year..............            805,722          1,206,624          78,340,010          80,761,382                    
                                    -----------------  -----------------  ------------------  ------------------                    
   End of year....................  $         603,131  $         805,722  $       63,735,707  $       78,340,010                    
                                    =================  =================  ==================  ==================                    



                                        FIDELITY(R) VIP FREEDOM 2020           FIDELITY(R) VIP FREEDOM 2025                         
                                                  DIVISION                               DIVISION                                   
                                    -------------------------------------  ------------------------------------                     
                                           2018                2017              2018               2017                            
                                    ------------------  -----------------  -----------------  -----------------                     
                                                                                                                                    
INCREASE (DECREASE) IN NET ASSETS:                                                                                                  
FROM OPERATIONS:                                                                                                                    
   Net investment income (loss)...  $            3,765  $           3,420  $           4,120  $           (344)                     
   Net realized gains (losses)....              64,849             88,905             27,609            120,259                     
   Change in unrealized gains                                                                                                       
      (losses) on investments.....           (144,778)            100,067          (116,316)             67,331                     
                                    ------------------  -----------------  -----------------  -----------------                     
      Net increase (decrease)                                                                                                       
        in net assets resulting                                                                                                     
        from operations...........            (76,164)            192,392           (84,587)            187,246                     
                                    ------------------  -----------------  -----------------  -----------------                     
CONTRACT TRANSACTIONS:                                                                                                              
   Purchase payments received                                                                                                       
      from Contract owners........             202,161            518,803            159,140            359,080                     
   Net transfers (including fixed                                                                                                   
      account)....................             153,395           (27,656)            536,789            221,347                     
   Contract charges...............                  --                 --                 --               (15)                     
   Transfers for Contract benefits                                                                                                  
      and terminations............           (496,652)        (1,139,402)          (298,297)        (1,402,284)                     
                                    ------------------  -----------------  -----------------  -----------------                     
      Net increase (decrease) in                                                                                                    
        net assets resulting from                                                                                                   
        Contract transactions.....           (141,096)          (648,255)            397,632          (821,872)                     
                                    ------------------  -----------------  -----------------  -----------------                     
      Net increase (decrease)                                                                                                       
        in net assets.............           (217,260)          (455,863)            313,045          (634,626)                     
NET ASSETS:                                                                                                                         
   Beginning of year..............           1,255,251          1,711,114            819,000          1,453,626                     
                                    ------------------  -----------------  -----------------  -----------------                     
   End of year....................  $        1,037,991  $       1,255,251  $       1,132,045  $         819,000                     
                                    ==================  =================  =================  =================                     


                                                                              FIDELITY(R) VIP                                       
                                        FIDELITY(R) VIP FREEDOM 2030           FREEDOM 2035         FIDELITY(R) VIP FREEDOM 2040    
                                                  DIVISION                       DIVISION                     DIVISION              
                                    --------------------------------------  ------------------  ------------------------------------
                                           2018                2017              2018 (b)              2018              2017       
                                    ------------------  ------------------  ------------------  -----------------  -----------------
                                                                                                                                    
INCREASE (DECREASE) IN NET ASSETS:                                                                                                  
FROM OPERATIONS:                                                                                                                    
   Net investment income (loss)...  $            8,852  $            2,295  $              676  $             273  $             612
   Net realized gains (losses)....              84,808             264,577               1,676             21,052             20,276
   Change in unrealized gains                                                                                                       
      (losses) on investments.....           (378,077)             341,834            (12,427)           (78,959)             67,940
                                    ------------------  ------------------  ------------------  -----------------  -----------------
      Net increase (decrease)                                                                                                       
        in net assets resulting                                                                                                     
        from operations...........           (284,417)             608,706            (10,075)           (57,634)             88,828
                                    ------------------  ------------------  ------------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                                              
   Purchase payments received                                                                                                       
      from Contract owners........             188,522           2,090,378              46,356             88,343            358,332
   Net transfers (including fixed                                                                                                   
      account)....................             161,673             (3,536)             149,210             54,651            (2,632)
   Contract charges...............                 (5)                 (3)                (10)               (51)                (5)
   Transfers for Contract benefits                                                                                                  
      and terminations............           (133,924)         (1,756,313)            (79,890)          (120,996)           (94,333)
                                    ------------------  ------------------  ------------------  -----------------  -----------------
      Net increase (decrease) in                                                                                                    
        net assets resulting from                                                                                                   
        Contract transactions.....             216,266             330,526             115,666             21,947            261,362
                                    ------------------  ------------------  ------------------  -----------------  -----------------
      Net increase (decrease)                                                                                                       
        in net assets.............            (68,151)             939,232             105,591           (35,687)            350,190
NET ASSETS:                                                                                                                         
   Beginning of year..............           3,021,173           2,081,941                  --            534,464            184,274
                                    ------------------  ------------------  ------------------  -----------------  -----------------
   End of year....................  $        2,953,022  $        3,021,173  $          105,591  $         498,777  $         534,464
                                    ==================  ==================  ==================  =================  =================


                                      FIDELITY(R) VIP                                                                               
                                       FREEDOM 2045                                                                                 
                                         DIVISION                                                                                   
                                    ------------------                                                                              
                                         2018 (b)                                                                                   
                                    ------------------                                                                              
                                                                                                                                    
INCREASE (DECREASE) IN NET ASSETS:                                                                                                  
FROM OPERATIONS:                                                                                                                    
   Net investment income (loss)...  $              927                                                                              
   Net realized gains (losses)....                 839                                                                              
   Change in unrealized gains                                                                                                       
      (losses) on investments.....            (15,977)                                                                              
                                    ------------------                                                                              
      Net increase (decrease)                                                                                                       
        in net assets resulting                                                                                                     
        from operations...........            (14,211)                                                                              
                                    ------------------                                                                              
CONTRACT TRANSACTIONS:                                                                                                              
   Purchase payments received                                                                                                       
      from Contract owners........              59,651                                                                              
   Net transfers (including fixed                                                                                                   
      account)....................             110,163                                                                              
   Contract charges...............                (12)                                                                              
   Transfers for Contract benefits                                                                                                  
      and terminations............            (30,691)                                                                              
                                    ------------------                                                                              
      Net increase (decrease) in                                                                                                    
        net assets resulting from                                                                                                   
        Contract transactions.....             139,111                                                                              
                                    ------------------                                                                              
      Net increase (decrease)                                                                                                       
        in net assets.............             124,900                                                                              
NET ASSETS:                                                                                                                         
   Beginning of year..............                  --                                                                              
                                    ------------------                                                                              
   End of year....................  $          124,900                                                                              
                                    ==================                                                                              

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]


                                         FIDELITY(R) VIP FREEDOM 2050        FIDELITY(R) VIP FUNDSMANAGER 50%    
                                                   DIVISION                              DIVISION                
                                     ------------------------------------  ------------------------------------- 
                                           2018                2017               2018               2017        
                                     -----------------  -----------------  ------------------  ----------------- 
                                                                                                                 
INCREASE (DECREASE) IN NET ASSETS:                                                                               
FROM OPERATIONS:                                                                                                 
   Net investment income (loss)..... $             845  $             422  $      (1,823,243)  $     (2,467,365) 
   Net realized gains (losses)......              (91)             15,025          25,500,586          3,985,124 
   Change in unrealized gains                                                                                    
     (losses) on investments........          (50,380)             27,522        (43,710,159)         34,017,799 
                                     -----------------  -----------------  ------------------  ----------------- 
     Net increase (decrease)                                                                                     
        in net assets resulting                                                                                  
        from operations.............          (49,626)             42,969        (20,032,816)         35,535,558 
                                     -----------------  -----------------  ------------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                           
   Purchase payments received                                                                                    
     from Contract owners...........           161,714            172,611           1,291,831             72,753 
   Net transfers (including fixed                                                                                
     account).......................            13,240           (18,181)                  --                 -- 
   Contract charges.................              (33)                 --                  --                 -- 
   Transfers for Contract benefits                                                                               
     and terminations...............          (16,804)           (91,183)        (38,312,008)       (16,483,915) 
                                     -----------------  -----------------  ------------------  ----------------- 
     Net increase (decrease) in                                                                                  
        net assets resulting from                                                                                
        Contract transactions.......           158,117             63,247        (37,020,177)       (16,411,162) 
                                     -----------------  -----------------  ------------------  ----------------- 
     Net increase (decrease)                                                                                     
        in net assets...............           108,491            106,216        (57,052,993)         19,124,396 
NET ASSETS:                                                                                                      
   Beginning of year................           253,618            147,402         315,705,343        296,580,947 
                                     -----------------  -----------------  ------------------  ----------------- 
   End of year...................... $         362,109  $         253,618  $      258,652,350  $     315,705,343 
                                     =================  =================  ==================  ================= 


                                                                                      FIDELITY(R) VIP            
                                       FIDELITY(R) VIP FUNDSMANAGER 60%           GOVERNMENT MONEY MARKET        
                                                   DIVISION                              DIVISION                
                                     ------------------------------------  ------------------------------------- 
                                            2018               2017               2018                2017       
                                     -----------------  -----------------   -----------------  ----------------- 
                                                                                                                 
INCREASE (DECREASE) IN NET ASSETS:                                                                               
FROM OPERATIONS:                                                                                                 
   Net investment income (loss)..... $     (2,094,057)  $     (2,575,304)   $          36,949  $        (15,926) 
   Net realized gains (losses)......        36,250,723         12,885,269                  --                 -- 
   Change in unrealized gains                                                                                    
     (losses) on investments........      (55,081,469)         29,289,392                  --                 -- 
                                     -----------------  -----------------   -----------------  ----------------- 
     Net increase (decrease)                                                                                     
        in net assets resulting                                                                                  
        from operations.............      (20,924,803)         39,599,357              36,949           (15,926) 
                                     -----------------  -----------------   -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                           
   Purchase payments received                                                                                    
     from Contract owners...........           141,669            345,604             358,462            358,961 
   Net transfers (including fixed                                                                                
     account).......................                --                 --             880,526           (63,710) 
   Contract charges.................                --                 --                  --                 -- 
   Transfers for Contract benefits                                                                               
     and terminations...............      (36,528,395)       (39,688,857)           (929,472)        (1,392,372) 
                                     -----------------  -----------------   -----------------  ----------------- 
     Net increase (decrease) in                                                                                  
        net assets resulting from                                                                                
        Contract transactions.......      (36,386,726)       (39,343,253)             309,516        (1,097,121) 
                                     -----------------  -----------------   -----------------  ----------------- 
     Net increase (decrease)                                                                                     
        in net assets...............      (57,311,529)            256,104             346,465        (1,113,047) 
NET ASSETS:                                                                                                      
   Beginning of year................       286,973,777        286,717,673           5,009,176          6,122,223 
                                     -----------------  -----------------   -----------------  ----------------- 
   End of year...................... $     229,662,248  $     286,973,777   $       5,355,641  $       5,009,176 
                                     =================  =================   =================  ================= 



                                            FIDELITY(R) VIP GROWTH         FIDELITY(R) VIP INVESTMENT GRADE BOND 
                                                   DIVISION                              DIVISION                
                                     ------------------------------------  --------------------------------------
                                            2018              2017                2018                2017       
                                     -----------------  -----------------   -----------------  ----------------- 
                                                                                                                 
INCREASE (DECREASE) IN NET ASSETS:                                                                               
FROM OPERATIONS:                                                                                                 
   Net investment income (loss)..... $       (720,227)  $       (678,855)   $         136,302  $         149,417 
   Net realized gains (losses)......        18,774,009         11,702,690               9,465             55,597 
   Change in unrealized gains                                                                                    
     (losses) on investments........      (18,154,623)         15,803,560           (301,382)            167,272 
                                     -----------------  -----------------   -----------------  ----------------- 
     Net increase (decrease)                                                                                     
        in net assets resulting                                                                                  
        from operations.............         (100,841)         26,827,395           (155,615)            372,286 
                                     -----------------  -----------------   -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                           
   Purchase payments received                                                                                    
     from Contract owners...........           938,550          1,014,660             313,722            359,045 
   Net transfers (including fixed                                                                                
     account).......................         (967,645)          (658,702)           (142,849)            406,064 
   Contract charges.................           (1,389)            (1,825)               (234)              (474) 
   Transfers for Contract benefits                                                                               
     and terminations...............      (10,948,033)       (12,406,063)         (1,445,603)        (3,261,495) 
                                     -----------------  -----------------   -----------------  ----------------- 
     Net increase (decrease) in                                                                                  
        net assets resulting from                                                                                
        Contract transactions.......      (10,978,517)       (12,051,930)         (1,274,964)        (2,496,860) 
                                     -----------------  -----------------   -----------------  ----------------- 
     Net increase (decrease)                                                                                     
        in net assets...............      (11,079,358)         14,775,465         (1,430,579)        (2,124,574) 
NET ASSETS:                                                                                                      
   Beginning of year................        98,637,848         83,862,383          10,239,907         12,364,481 
                                     -----------------  -----------------   -----------------  ----------------- 
   End of year...................... $      87,558,490  $      98,637,848   $       8,809,328  $      10,239,907 
                                     =================  =================   =================  ================= 



                                            FIDELITY(R) VIP MID CAP                                              
                                                   DIVISION                                                      
                                     -------------------------------------                                       
                                            2018               2017                                              
                                     ------------------  -----------------                                       
                                                                                                                 
INCREASE (DECREASE) IN NET ASSETS:                                                                               
FROM OPERATIONS:                                                                                                 
   Net investment income (loss)..... $          (3,368)  $         (2,655)                                       
   Net realized gains (losses)......             84,342             43,722                                       
   Change in unrealized gains                                                                                    
     (losses) on investments........          (150,743)             74,905                                       
                                     ------------------  -----------------                                       
     Net increase (decrease)                                                                                     
        in net assets resulting                                                                                  
        from operations.............           (69,769)            115,972                                       
                                     ------------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                           
   Purchase payments received                                                                                    
     from Contract owners...........              1,407             46,181                                       
   Net transfers (including fixed                                                                                
     account).......................           (90,828)            (4,218)                                       
   Contract charges.................                 --                (2)                                       
   Transfers for Contract benefits                                                                               
     and terminations...............           (99,544)          (130,255)                                       
                                     ------------------  -----------------                                       
     Net increase (decrease) in                                                                                  
        net assets resulting from                                                                                
        Contract transactions.......          (188,965)           (88,294)                                       
                                     ------------------  -----------------                                       
     Net increase (decrease)                                                                                     
        in net assets...............          (258,734)             27,678                                       
NET ASSETS:                                                                                                      
   Beginning of year................            676,874            649,196                                       
                                     ------------------  -----------------                                       
   End of year...................... $          418,140  $         676,874                                       
                                     ==================  =================                                       

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                             FTVIPT TEMPLETON                                                 
                                          DEVELOPING MARKETS VIP            FTVIPT TEMPLETON FOREIGN VIP      
                                                 DIVISION                             DIVISION                
                                    -----------------------------------  -----------------------------------  
                                          2018               2017              2018               2017        
                                    -----------------  ----------------  ----------------  -----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $            (97)  $            298  $             15  $              27  
   Net realized gains (losses).....             2,258            38,407                --                209  
   Change in unrealized gains                                                                                 
     (losses) on investments.......          (27,683)            23,352             (131)                 12  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............          (25,522)            62,057             (116)                248  
                                    -----------------  ----------------  ----------------  -----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........               410             6,955                --              2,536  
   Net transfers (including fixed                                                                             
     account)......................            12,917            20,568                --                 --  
   Contract charges................                --                --                --                (1)  
   Transfers for Contract benefits                                                                            
     and terminations..............           (5,444)         (157,868)               (1)            (3,447)  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......             7,883         (130,345)               (1)              (912)  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets..............          (17,639)          (68,288)             (117)              (664)  
NET ASSETS:                                                                                                   
   Beginning of year...............           152,910           221,198               726              1,390  
                                    -----------------  ----------------  ----------------  -----------------  
   End of year..................... $         135,271  $        152,910  $            609  $             726  
                                    =================  ================  ================  =================  



                                          IVY VIP ASSET STRATEGY              JANUS HENDERSON ENTERPRISE      
                                                 DIVISION                              DIVISION               
                                    ------------------------------------  ------------------------------------
                                           2018              2017               2018               2017       
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $              13  $               9  $           (996)  $         (1,501)
   Net realized gains (losses).....                43               (67)             14,690             26,483
   Change in unrealized gains                                                                                 
     (losses) on investments.......             (183)                477           (13,731)             20,550
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............             (127)                419               (37)             45,532
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........                --                 --              1,399             17,548
   Net transfers (including fixed                                                                             
     account)......................                21                 14            (7,863)           (10,844)
   Contract charges................                --                 --                 --                 --
   Transfers for Contract benefits                                                                            
     and terminations..............             (704)              (256)           (38,141)          (150,208)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......             (683)              (242)           (44,605)          (143,504)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............             (810)                177           (44,642)           (97,972)
NET ASSETS:                                                                                                   
   Beginning of year...............             2,827              2,650            149,792            247,764
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $           2,017  $           2,827  $         105,150  $         149,792
                                    =================  =================  =================  =================


                                                  LMPVET                         LMPVET CLEARBRIDGE           
                                     CLEARBRIDGE VARIABLE APPRECIATION       VARIABLE DIVIDEND STRATEGY       
                                                 DIVISION                             DIVISION                
                                    ----------------------------------  ------------------------------------  
                                          2018              2017               2018               2017        
                                    ----------------  ----------------  -----------------  -----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $            159  $            163  $             458  $             404  
   Net realized gains (losses).....            2,869             1,638              4,936                962  
   Change in unrealized gains                                                                                 
     (losses) on investments.......          (4,002)             5,404            (9,239)              9,356  
                                    ----------------  ----------------  -----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............            (974)             7,205            (3,845)             10,722  
                                    ----------------  ----------------  -----------------  -----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........              586            10,021                 --              2,658  
   Net transfers (including fixed                                                                             
     account)......................            (205)             (782)            (1,356)           (10,215)  
   Contract charges................               --                --                 --                 --  
   Transfers for Contract benefits                                                                            
     and terminations..............          (5,136)             (134)                (3)                (2)  
                                    ----------------  ----------------  -----------------  -----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......          (4,755)             9,105            (1,359)            (7,559)  
                                    ----------------  ----------------  -----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets..............          (5,729)            16,310            (5,204)              3,163  
NET ASSETS:                                                                                                   
   Beginning of year...............           48,429            32,119             69,596             66,433  
                                    ----------------  ----------------  -----------------  -----------------  
   End of year..................... $         42,700  $         48,429  $          64,392  $          69,596  
                                    ================  ================  =================  =================  


                                            LMPVET CLEARBRIDGE                                                
                                         VARIABLE LARGE CAP GROWTH                                            
                                                 DIVISION                                                     
                                    ------------------------------------                                      
                                           2018              2017                                             
                                    -----------------  -----------------                                      
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $         (3,114)  $         (3,878)                                      
   Net realized gains (losses).....            32,938             41,524                                      
   Change in unrealized gains                                                                                 
     (losses) on investments.......          (36,755)             83,444                                      
                                    -----------------  -----------------                                      
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............           (6,931)            121,090                                      
                                    -----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from Contract owners..........             6,734             92,127                                      
   Net transfers (including fixed                                                                             
     account)......................            49,969            (1,137)                                      
   Contract charges................                --                 --                                      
   Transfers for Contract benefits                                                                            
     and terminations..............          (69,279)          (396,623)                                      
                                    -----------------  -----------------                                      
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        Contract transactions......          (12,576)          (305,633)                                      
                                    -----------------  -----------------                                      
     Net increase (decrease)                                                                                  
        in net assets..............          (19,507)          (184,543)                                      
NET ASSETS:                                                                                                   
   Beginning of year...............           508,988            693,531                                      
                                    -----------------  -----------------                                      
   End of year..................... $         489,481  $         508,988                                      
                                    =================  =================                                      

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                            LMPVET CLEARBRIDGE                                              
                                         VARIABLE SMALL CAP GROWTH         LMPVIT WESTERN ASSET CORE PLUS   
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                          2018               2017              2018               2017      
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $          (219)  $           (292)  $          2,280  $           3,569
   Net realized gains (losses)....             7,294              3,756             (912)              (476)
   Change in unrealized gains                                                                               
     (losses) on investments......           (3,935)              3,359           (4,458)              3,912
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........             3,140              6,823           (3,090)              7,005
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........             1,171              2,472                --             42,729
   Net transfers (including fixed                                                                           
     account).....................           (3,696)                677             4,097             13,534
   Contract charges...............                --                 --                --                 --
   Transfers for Contract benefits                                                                          
     and terminations.............          (13,008)           (23,739)          (22,754)          (123,779)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions.....          (15,533)           (20,590)          (18,657)           (67,516)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets.............          (12,393)           (13,767)          (21,747)           (60,511)
NET ASSETS:                                                                                                 
   Beginning of year..............            27,439             41,206           104,815            165,326
                                    ----------------  -----------------  ----------------  -----------------
   End of year....................  $         15,046  $          27,439  $         83,068  $         104,815
                                    ================  =================  ================  =================


                                              MORGAN STANLEY                         OPPENHEIMER            
                                         VIF GLOBAL INFRASTRUCTURE        GLOBAL MULTI-ALTERNATIVES FUND/VA 
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                          2018              2017               2018            2017 (c)     
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $            960  $             578  $          (173)  $            (78)
   Net realized gains (losses)....               781              2,991               (1)                 --
   Change in unrealized gains                                                                               
     (losses) on investments......           (8,527)              3,316             (537)               (97)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........           (6,786)              6,885             (711)              (175)
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........             1,300                 --                --                 --
   Net transfers (including fixed                                                                           
     account).....................             8,856              6,491                --             15,885
   Contract charges...............              (28)               (26)               (3)                (3)
   Transfers for Contract benefits                                                                          
     and terminations.............           (2,872)            (1,590)               (3)                (2)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions.....             7,256              4,875               (6)             15,880
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets.............               470             11,760             (717)             15,705
NET ASSETS:                                                                                                 
   Beginning of year..............            61,644             49,884            15,705                 --
                                    ----------------  -----------------  ----------------  -----------------
   End of year....................  $         62,114  $          61,644  $         14,988  $          15,705
                                    ================  =================  ================  =================


                                                 PIMCO VIT                                                  
                                      COMMODITYREALRETURN(R) STRATEGY          PIMCO VIT DYNAMIC BOND       
                                                 DIVISION                             DIVISION              
                                    -----------------------------------  -----------------------------------
                                           2018              2017               2018              2017      
                                     ----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...   $            205  $          4,716  $           1,329  $             57
   Net realized gains (losses)....              (994)           (2,033)              1,773               193
   Change in unrealized gains                                                                               
     (losses) on investments......            (5,871)           (1,763)            (4,192)             3,635
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........            (6,660)               920            (1,090)             3,885
                                     ----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........                 --                --                 --                --
   Net transfers (including fixed                                                                           
     account).....................                142            11,449           (11,630)             8,643
   Contract charges...............               (12)              (12)                (9)              (10)
   Transfers for Contract benefits                                                                          
     and terminations.............            (7,646)          (11,873)           (23,275)           (3,338)
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions.....            (7,516)             (436)           (34,914)             5,295
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets.............           (14,176)               484           (36,004)             9,180
NET ASSETS:                                                                                                 
   Beginning of year..............             49,885            49,401            121,046           111,866
                                     ----------------  ----------------  -----------------  ----------------
   End of year....................   $         35,709  $         49,885  $          85,042  $        121,046
                                     ================  ================  =================  ================


                                                 PIMCO VIT                                                  
                                           EMERGING MARKETS BOND                                            
                                                 DIVISION                                                   
                                    -----------------------------------                                     
                                           2018              2017                                           
                                    -----------------  ----------------                                     
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $           1,635  $          2,431                                     
   Net realized gains (losses)....              (181)               499                                     
   Change in unrealized gains                                                                               
     (losses) on investments......            (5,833)             2,731                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........            (4,379)             5,661                                     
                                    -----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from Contract owners.........                 --                --                                     
   Net transfers (including fixed                                                                           
     account).....................                714          (16,605)                                     
   Contract charges...............               (17)              (16)                                     
   Transfers for Contract benefits                                                                          
     and terminations.............            (5,176)           (1,341)                                     
                                    -----------------  ----------------                                     
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        Contract transactions.....            (4,479)          (17,962)                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
        in net assets.............            (8,858)          (12,301)                                     
NET ASSETS:                                                                                                 
   Beginning of year..............             71,038            83,339                                     
                                    -----------------  ----------------                                     
   End of year....................  $          62,180  $         71,038                                     
                                    =================  ================                                     

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E    
OF METROPOLITAN LIFE INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONCLUDED)    
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017    

                                                        [Enlarge/Download Table]

                                                                                                         TAP 1919 VARIABLE         
                                                                                                   SOCIALLY RESPONSIVE BALANCED    
                                                                                                             DIVISION              
                                                                                               ------------------------------------
                                                                                                      2018              2017       
                                                                                               -----------------  -----------------
                                                                                                                                   
INCREASE (DECREASE) IN NET ASSETS:                                                                                                 
FROM OPERATIONS:                                                                                                                   
   Net investment income (loss)............................................................... $              51  $              88
   Net realized gains (losses)................................................................             2,316              1,910
   Change in unrealized gains                                                                                                      
      (losses) on investments.................................................................           (3,047)                981
                                                                                               -----------------  -----------------
      Net increase (decrease)                                                                                                      
        in net assets resulting                                                                                                    
        from operations.......................................................................             (680)              2,979
                                                                                               -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                                             
   Purchase payments received                                                                                                      
      from Contract owners....................................................................             5,938             14,689
   Net transfers (including fixed                                                                                                  
      account)................................................................................             (104)              3,804
   Contract charges...........................................................................                --                (1)
   Transfers for Contract benefits                                                                                                 
      and terminations........................................................................           (2,609)            (4,947)
                                                                                               -----------------  -----------------
      Net increase (decrease) in                                                                                                   
        net assets resulting from                                                                                                  
        Contract transactions.................................................................             3,225             13,545
                                                                                               -----------------  -----------------
      Net increase (decrease)                                                                                                      
        in net assets.........................................................................             2,545             16,524
NET ASSETS:                                                                                                                        
   Beginning of year..........................................................................            24,126              7,602
                                                                                               -----------------  -----------------
   End of year................................................................................ $          26,671  $          24,126
                                                                                               =================  =================

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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

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METROPOLITAN LIFE SEPARATE ACCOUNT E                
OF METROPOLITAN LIFE INSURANCE COMPANY                
NOTES TO THE FINANCIAL STATEMENTS               

1.  ORGANIZATION                                                                

Metropolitan Life Separate Account E (the "Separate Account"), a separate       
account of Metropolitan Life Insurance Company (the "Company"), was established 
by the Company's Board of Directors on September 27, 1983 to support operations 
of the Company with respect to certain variable annuity contracts (the          
"Contracts"). The Company is a direct wholly-owned subsidiary of MetLife, Inc., 
a Delaware corporation. The Separate Account is registered as a unit investment 
trust under the Investment Company Act of 1940, as amended, and is subject to   
the rules and regulations of the United States Securities and Exchange          
Commission, as well as the New York State Department of Financial Services.     

The Separate Account is divided into Divisions, each of which is treated as an  
individual accounting entity for financial reporting purposes. Each Division    
invests in shares of the corresponding fund, series or portfolio (with the same 
name) of registered investment management companies (the "Trusts"), which are   
presented below:                                                                

                                                        [Enlarge/Download Table]
                                                                                                      
American Funds Insurance Series(R)                        Janus Aspen Series ("Janus Aspen")          
   ("American Funds")                                     Legg Mason Partners Variable Equity Trust   
BlackRock Variable Series Funds, Inc. ("BlackRock")         ("LMPVET")                                
Brighthouse Funds Trust I ("BHFTI")                       Legg Mason Partners Variable Income Trust   
Brighthouse Funds Trust II ("BHFTII")                       ("LMPVIT")                                
Calvert Variable Series, Inc. ("Calvert")                 Morgan Stanley Variable Insurance Fund, Inc.
Delaware VIP Trust ("Delaware VIP")                         ("Morgan Stanley VIF")                    
Fidelity(R) Variable Insurance Products ("Fidelity VIP")  Oppenheimer Variable Account Funds          
Franklin Templeton Variable Insurance Products Trust        ("Oppenheimer VA")                        
   ("FTVIPT")                                             PIMCO Variable Insurance Trust ("PIMCO VIT")
Ivy Variable Insurance Portfolios ("Ivy VIP")             Trust for Advised Portfolios ("TAP")        

The assets of each of the Divisions of the Separate Account are registered in   
the name of the Company. Under applicable insurance law, the assets and         
liabilities of the Separate Account are clearly identified and distinguished    
from the Company's other assets and liabilities. The portion of the Separate    
Account's assets applicable to the Contracts cannot be used for liabilities     
arising out of any other business conducted by the Company.                     

2.  LIST OF DIVISIONS                                                           

Purchase payments, less any applicable charges, applied to the Separate Account 
are invested in one or more Divisions in accordance with the selection made by  
the Contract owner. The following Divisions had net assets as of December 31,   
2018:                                                                           

                                                        [Enlarge/Download Table]
                                                                                                        
American Funds(R) Bond Division                      BHFTI BlackRock High Yield Division (a)            
American Funds(R) Global Growth Division             BHFTI Brighthouse Asset Allocation 100 Division (a)
American Funds(R) Global Small Capitalization        BHFTI Brighthouse Balanced Plus Division           
   Division (a)                                      BHFTI Brighthouse Small Cap Value Division         
American Funds(R) Growth Division                    BHFTI Brighthouse/Aberdeen Emerging Markets        
American Funds(R) Growth-Income Division                Equity Division (a)                             
BHFTI AB Global Dynamic Allocation Division          BHFTI Brighthouse/Artisan International Division   
BHFTI American Funds(R) Balanced Allocation          BHFTI Brighthouse/Eaton Vance Floating Rate        
   Division (a)                                         Division                                        
BHFTI American Funds(R) Growth Allocation            BHFTI Brighthouse/Franklin Low Duration Total      
   Division (a)                                         Return Division                                 
BHFTI American Funds(R) Growth Division              BHFTI Brighthouse/Templeton International Bond     
BHFTI American Funds(R) Moderate Allocation             Division                                        
   Division (a)                                      BHFTI Brighthouse/Wellington Large Cap Research    
BHFTI AQR Global Risk Balanced Division                 Division (a)                                    
BHFTI BlackRock Global Tactical Strategies Division  BHFTI Clarion Global Real Estate Division (a)      

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2. LIST OF DIVISIONS -- (CONTINUED)                                             

                                                        [Enlarge/Download Table]
                                                                                                           
BHFTI ClearBridge Aggressive Growth Division (a)         BHFTII MetLife Mid Cap Stock Index Division (a)   
BHFTI Fidelity Institutional Asset Management(R)         BHFTII MetLife MSCI EAFE(R) Index Division (a)    
   Government Income Division                            BHFTII MetLife Russell 2000(R) Index Division (a) 
BHFTI Harris Oakmark International Division (a)          BHFTII MetLife Stock Index Division (a)           
BHFTI Invesco Balanced-Risk Allocation Division          BHFTII MFS(R) Total Return Division (a)           
BHFTI Invesco Comstock Division                          BHFTII MFS(R) Value Division (a)                  
BHFTI Invesco Small Cap Growth Division (a)              BHFTII Neuberger Berman Genesis Division (a)      
BHFTI JPMorgan Core Bond Division                        BHFTII T. Rowe Price Large Cap Growth Division (a)
BHFTI JPMorgan Global Active Allocation Division         BHFTII T. Rowe Price Small Cap Growth Division (a)
BHFTI JPMorgan Small Cap Value Division (a)              BHFTII Van Eck Global Natural Resources Division  
BHFTI Loomis Sayles Global Markets Division              BHFTII Western Asset Management Strategic Bond    
BHFTI MetLife Multi-Index Targeted Risk Division           Opportunities Division (a)                      
BHFTI MFS(R) Research International Division (a)         BHFTII Western Asset Management U.S. Government   
BHFTI Morgan Stanley Mid Cap Growth Division (a)           Division (a)                                    
BHFTI Oppenheimer Global Equity Division (a)             BlackRock Global Allocation V.I. Division         
BHFTI PanAgora Global Diversified Risk Division          Calvert VP SRI Balanced Division                  
BHFTI PIMCO Inflation Protected Bond Division (a)        Calvert VP SRI Mid Cap Division                   
BHFTI PIMCO Total Return Division (a)                    Delaware VIP Small Cap Value Division             
BHFTI Schroders Global Multi-Asset Division              Fidelity(R) VIP Contrafund Division               
BHFTI SSGA Growth and Income ETF Division (a)            Fidelity(R) VIP Equity-Income Division            
BHFTI SSGA Growth ETF Division (a)                       Fidelity(R) VIP Freedom 2020 Division             
BHFTI T. Rowe Price Large Cap Value Division             Fidelity(R) VIP Freedom 2025 Division             
BHFTI T. Rowe Price Mid Cap Growth Division (a)          Fidelity(R) VIP Freedom 2030 Division             
BHFTI TCW Core Fixed Income Division                     Fidelity(R) VIP Freedom 2035 Division (b)         
BHFTI Victory Sycamore Mid Cap Value Division (a)        Fidelity(R) VIP Freedom 2040 Division             
BHFTI Wells Capital Management Mid Cap Value             Fidelity(R) VIP Freedom 2045 Division (b)         
   Division                                              Fidelity(R) VIP Freedom 2050 Division             
BHFTII Baillie Gifford International Stock Division (a)  Fidelity(R) VIP FundsManager 50% Division         
BHFTII BlackRock Bond Income Division (a)                Fidelity(R) VIP FundsManager 60% Division         
BHFTII BlackRock Capital Appreciation Division (a)       Fidelity(R) VIP Government Money Market Division  
BHFTII BlackRock Ultra-Short Term Bond                   Fidelity(R) VIP Growth Division                   
   Division (a)                                          Fidelity(R) VIP Investment Grade Bond Division    
BHFTII Brighthouse Asset Allocation 20 Division (a)      Fidelity(R) VIP Mid Cap Division                  
BHFTII Brighthouse Asset Allocation 40 Division (a)      FTVIPT Templeton Developing Markets VIP Division  
BHFTII Brighthouse Asset Allocation 60 Division (a)      FTVIPT Templeton Foreign VIP Division             
BHFTII Brighthouse Asset Allocation 80 Division (a)      Ivy VIP Asset Strategy Division                   
BHFTII Brighthouse/Artisan Mid Cap Value                 Janus Henderson Enterprise Division               
   Division (a)                                          LMPVET ClearBridge Variable Appreciation Division 
BHFTII Brighthouse/Dimensional International Small       LMPVET ClearBridge Variable Dividend Strategy     
   Company Division                                        Division                                        
BHFTII Brighthouse/Wellington Balanced Division (a)      LMPVET ClearBridge Variable Large Cap Growth      
BHFTII Brighthouse/Wellington Core Equity                  Division                                        
   Opportunities Division (a)                            LMPVET ClearBridge Variable Small Cap Growth      
BHFTII Frontier Mid Cap Growth Division (a)                Division                                        
BHFTII Jennison Growth Division (a)                      LMPVIT Western Asset Core Plus Division           
BHFTII Loomis Sayles Small Cap Core Division (a)         Morgan Stanley VIF Global Infrastructure Division 
BHFTII Loomis Sayles Small Cap Growth Division (a)       Oppenheimer Global Multi-Alternatives Fund/VA     
BHFTII MetLife Aggregate Bond Index Division (a)           Division                                        

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2.  LIST OF DIVISIONS -- (CONCLUDED)                                            

                                                        [Enlarge/Download Table]
                                                                                         
PIMCO VIT CommodityRealReturn(R) Strategy  PIMCO VIT Emerging Markets Bond Division      
   Division                                TAP 1919 Variable Socially Responsive Balanced
PIMCO VIT Dynamic Bond Division              Division                                    

(a) This Division invests in two or more share classes within the underlying    
fund, series or portfolio of the Trusts.                                        
(b) This Division began operations during the year ended December 31, 2018.     

3.  PORTFOLIO CHANGES                                                           

A. The following Divisions ceased operations during the year ended December 31, 
2018:                                                                           

BHFTI Allianz Global Investors Dynamic Multi-Asset Plus Division                
BHFTI Schroders Global Multi-Asset II Division                                  
BHFTII MFS(R) Value II Division                                                 

B. The operations of the Divisions were affected by the following changes that  
occurred during the year ended December 31, 2018:                               

NAME CHANGES:                                                                   

                                                        [Enlarge/Download Table]
                                                                                        
Former Name                                New Name                                     

BHFTI Pyramis Government Income Portfolio  BHFTI Fidelity Institutional Asset Management
                                             Government Income Portfolio                
PIMCO VIT Unconstrained Bond Portfolio     PIMCO VIT Dynamic Bond Portfolio             

MERGERS:                                                                        

                                                        [Enlarge/Download Table]
                                                                                                     
Former Portfolio                                    New Portfolio                                    

BHFTI Allianz Global Investors Dynamic Multi-Asset  BHFTI JPMorgan Global Active Allocation Portfolio
   Plus Portfolio                                                                                    
BHFTI Schroders Global Multi-Asset II Portfolio     BHFTI Schroders Global Multi-Asset Portfolio     
BHFTII MFS(R) Value II Portfolio                    BHFTII MFS(R) Value 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, which follow the accounting and reporting guidance in Financial         
Accounting Standards Board ACCOUNTING STANDARDS CODIFICATION TOPIC 946,         
INVESTMENT COMPANIES.                                                           

SECURITY TRANSACTIONS                                                           
Security transactions are recorded on a trade date basis. Realized gains and    
losses on the sales of investments are computed on the basis of the average     
cost of the investment sold. Income from dividends and realized gain            
distributions are recorded on the ex-distribution date.                         

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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

4.  SIGNIFICANT ACCOUNTING POLICIES -- (CONCLUDED)                              

SECURITY VALUATION                                                              
A Division's investment in shares of a fund, series or portfolio of the Trusts  
is valued at fair value based on the closing net asset value ("NAV") or price   
per share as determined by the Trusts as of the end of the year. All changes in 
fair value are recorded as changes in unrealized gains (losses) on investments  
in the statements of operations of the applicable Divisions. The Separate       
Account defines fair value as the price that would be received to sell an asset 
or paid to transfer a liability (an exit price) in the principal or most        
advantageous market for the asset or liability in an orderly transaction        
between market participants on the measurement date. Each Division invests in   
shares of open-end mutual funds which calculate a daily NAV based on the fair   
value of the underlying securities in their portfolios. As a result, and as     
required by law, shares of open-end mutual funds are purchased and redeemed at  
their daily NAV as reported by the Trusts at the close of each business day.    

FEDERAL INCOME TAXES                                                            
The operations of the Separate Account form a part of the total operations of   
the Company and are not taxed separately. The Company is taxed as a life        
insurance company under the provisions of the Internal Revenue Code ("IRC").    
Under the current provisions of the IRC, the Company does not expect to incur   
federal income taxes on the earnings of the Separate Account to the extent the  
earnings are credited under the Contracts. Accordingly, no charge is currently  
being made to the Separate Account for federal income taxes. The Company will   
periodically review the status of this policy in the event of changes in the    
tax law. A charge may be made in future years for any federal income taxes that 
would be attributable to the Contracts.                                         

ANNUITY PAYOUTS                                                                 
Net assets allocated to Contracts in the annuity payout period are computed     
according to industry standard mortality tables. The assumed investment return  
is between 3.0 and 6.0 percent. The mortality risk is fully borne by the        
Company and may result in additional amounts being transferred into the         
Separate Account by the Company to cover greater longevity of annuitants than   
expected. Conversely, if amounts allocated exceed amounts required, transfers   
may be made to the Company. Annuity payouts, if any, are included in transfers  
for contract benefits and terminations on the statements of changes in net      
assets of the applicable Divisions.                                             

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 for the Contracts, and are reported as Contract      
transactions on the statements of changes in net assets of the applicable       
Divisions.                                                                      

NET TRANSFERS                                                                   
Assets transferred by the Contract owner into or out of Divisions within the    
Separate Account or into or out of the fixed account, which is part of the      
Company's general account, are recorded on a net basis as net transfers in the  
statements of changes in net assets of the applicable Divisions.                

USE OF ESTIMATES                                                                
The preparation of financial statements in accordance with GAAP requires        
management to make estimates and assumptions that affect amounts reported       
herein. Actual results could differ from these estimates.                       

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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

5.  EXPENSES                                                                    

The following annual Separate Account charges paid to the Company are           
asset-based charges and assessed through a daily reduction in unit values,      
which are recorded as expenses in the accompanying statements of operations of  
the applicable Divisions:                                                       

   Mortality and Expense Risk -- The mortality risk assumed by the Company
is the risk that those insured may die sooner than anticipated and  
 therefore, the Company will pay an aggregate amount of death benefits
greater than anticipated. The expense risk assumed is the risk that 
    expenses incurred in issuing and administering the Contracts will exceed
     the amounts realized from the administrative charges assessed against the
   Contracts. In addition, the charge compensates the Company for the risk
   that the insured (the annuitant) may live longer than estimated and the
Company would be obligated to pay more in income payments than      
anticipated.                                                        

   Administrative -- The Company has responsibility for the administration
    of the Contracts and the Separate Account. Generally, the administrative
 charge is related to the maintenance, including distribution, of each
Contract and the Separate Account.                                  

     Optional Death Benefit Rider -- For an additional charge, the total death
   benefit payable may be increased based on increases in account value of
the Contracts.                                                      

  Earnings Preservation Benefit -- For an additional charge, the Company
    will provide additional amounts at death to pay expenses that may be due
upon the death of the Contract owner, unless the Contract owner is a
    non-natural person and then the benefit is payable upon the death of the
   Annuitant. This amount may not be sufficient to cover expenses that the
Contract owner's heirs may have to pay.                             

    Enhanced Stepped-Up Benefit Rider -- For an additional charge, the total
death benefit payable may be increased based on the greater of the  
account balance or highest annual Contract anniversary value in the 
     Contract or the greater of the account balance, annual increase amount or
highest annual Contract anniversary value in the Contract.          

  Preservation and Growth Rider -- For an additional charge, the Company
will guarantee at a future date the Account Value (adjusted for     
withdrawals) will not be less than the initial Purchase Payment.    

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2018.             

                                                        [Enlarge/Download Table]
                                                                                                                            
----------------------------------------------------------------------------------------------------------------------------
 Mortality and Expense Risk                                                                                 0.00% - 2.05%   
----------------------------------------------------------------------------------------------------------------------------
 Administrative                                                                                             0.10% - 0.50%   
----------------------------------------------------------------------------------------------------------------------------
 Optional Death Benefit Rider                                                                               0.25%           
----------------------------------------------------------------------------------------------------------------------------
 Earnings Preservation Benefit                                                                              0.25%           
----------------------------------------------------------------------------------------------------------------------------
 Enhanced Stepped-Up Benefit Rider                                                                          0.10% - 0.35%   
----------------------------------------------------------------------------------------------------------------------------
 Preservation and Growth Rider                                                                              1.15% - 1.80%   
----------------------------------------------------------------------------------------------------------------------------

    The above referenced charges may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the 
   designation of the charge or associated with a particular Contract. The
     range of the effective rates disclosed above excludes any waivers granted
to certain Divisions.                                               

The following optional rider charges paid to the Company are charged at each    
Contract anniversary date through the redemption of units, which are recorded   
as Contract charges in the accompanying statements of changes in net assets of  
the applicable Divisions:                                                       

    Guaranteed Minimum Accumulation Benefit -- For an additional charge, the
  Company will guarantee that the Contract value will not be less than a
guaranteed minimum amount at the end of a specified number of years.

  Lifetime Withdrawal Guarantee -- For an additional charge, the Company
will guarantee the periodic return on the investment for life.      

  Guaranteed Withdrawal Benefit -- For an additional charge, the Company
will guarantee the periodic return on the investment.               

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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

5.  EXPENSES -- (CONCLUDED)                                                     

Guaranteed Minimum Income Benefit -- For an additional charge, the  
Company will guarantee a minimum payment regardless of market       
conditions.                                                         

 Enhanced Death Benefit -- For an additional charge, the amount of the
death benefit will be the greater of the account value or the death 
benefit base.                                                       

   Enhanced Guaranteed Withdrawal Benefit -- For an additional charge, the
Company will guarantee that at least the entire amount of purchase  
payments will be returned through a series of withdrawals without   
annuitizing.                                                        

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2018:             

                                                        [Enlarge/Download Table]
                                                                                                                         
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Accumulation Benefit                                                                 0.75%           
-------------------------------------------------------------------------------------------------------------------------
 Lifetime Withdrawal Guarantee                                                                           0.50% - 1.50%   
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Withdrawal Benefit                                                                           0.90%           
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Income Benefit                                                                       0.50% - 1.00%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Death Benefit                                                                                  0.60% - 1.15%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Guaranteed Withdrawal Benefit                                                                  0.50% - 0.55%   
-------------------------------------------------------------------------------------------------------------------------

    The above referenced charges may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the 
designation of the charge or associated with a particular Contract. 

A Contract administrative charge which ranges from $0 to $30 is assessed on an  
annual basis for Contracts with a value of less than $50,000, which may be      
waived if the Contract reaches a certain asset size or under certain            
circumstances. The Company reserves the right to charge a transfer fee ranging  
from $0 to $25 after twelve transfers are made in a Contract year or, for       
certain Contracts. Currently, the Company is not charging a transfer fee.       

In addition, certain Contracts impose a surrender charge of 0% to 9% if the     
Contract is partially or fully surrendered within the specified surrender       
charge period. These charges are paid to the Company, assessed through          
redemption of units, and recorded as Contract charges in the accompanying       
statements of changes in net assets of the applicable Divisions for the years   
ended December 31, 2018 and 2017.                                               

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS                                                   

                                                        [Enlarge/Download Table]


                                                                 AS OF DECEMBER 31, 2018        
                                                             ------------------------------     

                                                                SHARES          COST ($)        
                                                             -------------    -------------     
                                                                                                
American Funds(R) Bond Division.............................     7,239,999       79,159,079     
American Funds(R) Global Growth Division....................         9,865          248,584     
American Funds(R) Global Small Capitalization Division......    18,493,497      387,221,734     
American Funds(R) Growth Division...........................    13,119,466      797,972,235     
American Funds(R) Growth-Income Division....................    15,696,771      624,762,121     
BHFTI AB Global Dynamic Allocation Division.................   116,004,082    1,205,876,079     
BHFTI Allianz Global Investors Dynamic Multi-Asset                                              
  Plus Division.............................................            --               --     
BHFTI American Funds(R) Balanced Allocation Division........    81,728,812      769,984,885     
BHFTI American Funds(R) Growth Allocation Division..........    44,746,677      398,506,026     
BHFTI American Funds(R) Growth Division.....................    32,872,865      307,848,722     
BHFTI American Funds(R) Moderate Allocation Division........    84,337,205      793,103,993     
BHFTI AQR Global Risk Balanced Division.....................   126,415,164    1,311,330,854     
BHFTI BlackRock Global Tactical Strategies Division.........   180,147,635    1,790,051,743     
BHFTI BlackRock High Yield Division.........................        54,334          410,136     
BHFTI Brighthouse Asset Allocation 100 Division.............    17,914,055      206,894,231     
BHFTI Brighthouse Balanced Plus Division....................   333,501,201    3,536,940,532     
BHFTI Brighthouse Small Cap Value Division..................     1,148,690       17,032,322     
BHFTI Brighthouse/Aberdeen Emerging Markets                                                     
  Equity Division...........................................     5,032,077       48,950,740     
BHFTI Brighthouse/Artisan International Division............           203            2,062     
BHFTI Brighthouse/Eaton Vance Floating Rate Division........     2,947,392       30,284,903     
BHFTI Brighthouse/Franklin Low Duration Total Return                                            
  Division..................................................     8,013,652       78,623,461     
BHFTI Brighthouse/Templeton International Bond Division.....       612,832        6,864,192     
BHFTI Brighthouse/Wellington Large Cap Research Division....    48,382,459      565,872,056     
BHFTI Clarion Global Real Estate Division...................    16,130,355      199,800,284     
BHFTI ClearBridge Aggressive Growth Division................    27,959,257      371,786,226     
BHFTI Fidelity Institutional Asset Management(R) Government                                     
  Income Division...........................................    38,724,116      416,646,078     
BHFTI Harris Oakmark International Division.................    33,482,160      474,245,885     
BHFTI Invesco Balanced-Risk Allocation Division.............    52,715,779      536,674,222     
BHFTI Invesco Comstock Division.............................         3,762           56,935     
BHFTI Invesco Small Cap Growth Division.....................     4,051,143       57,757,641     
BHFTI JPMorgan Core Bond Division...........................     8,132,766       84,786,697     
BHFTI JPMorgan Global Active Allocation Division............    73,049,796      810,167,767     
BHFTI JPMorgan Small Cap Value Division.....................     1,259,291       19,098,722     
BHFTI Loomis Sayles Global Markets Division.................     6,274,533       87,430,941     
BHFTI MetLife Multi-Index Targeted Risk Division............    72,548,947      845,811,828     
BHFTI MFS(R) Research International Division................    14,364,746      160,298,240     
BHFTI Morgan Stanley Mid Cap Growth Division................    18,552,582      243,143,097     
BHFTI Oppenheimer Global Equity Division....................    11,102,210      191,307,051     
BHFTI PanAgora Global Diversified Risk Division.............     7,273,726       76,603,755     
BHFTI PIMCO Inflation Protected Bond Division...............    36,824,990      399,459,567     
BHFTI PIMCO Total Return Division...........................    67,640,378      793,883,449     
BHFTI Schroders Global Multi-Asset Division.................    70,103,121      818,394,999     
BHFTI Schroders Global Multi-Asset II Division..............            --               --     
BHFTI SSGA Growth and Income ETF Division...................    62,728,392      691,121,450     
BHFTI SSGA Growth ETF Division..............................    11,819,279      132,211,685     
BHFTI T. Rowe Price Large Cap Value Division................        14,414          476,216     
BHFTI T. Rowe Price Mid Cap Growth Division.................    45,455,731      442,077,326     
BHFTI TCW Core Fixed Income Division........................        23,920          243,856     


                                                                   FOR THE YEAR ENDED           
                                                                    DECEMBER 31, 2018           
                                                             -----------------------------------
                                                                COST OF           PROCEEDS      
                                                             PURCHASES ($)     FROM SALES ($)   
                                                             ----------------  -----------------
                                                                                                
American Funds(R) Bond Division.............................     6,813,078         17,896,334   
American Funds(R) Global Growth Division....................        34,404            111,608   
American Funds(R) Global Small Capitalization Division......    27,928,057         72,299,892   
American Funds(R) Growth Division...........................   119,292,344        180,010,422   
American Funds(R) Growth-Income Division....................    71,017,323        139,535,697   
BHFTI AB Global Dynamic Allocation Division.................    31,235,431        203,584,715   
BHFTI Allianz Global Investors Dynamic Multi-Asset                                              
  Plus Division.............................................     7,312,318(a)      79,847,401(a)
BHFTI American Funds(R) Balanced Allocation Division........    73,160,031        127,307,525   
BHFTI American Funds(R) Growth Allocation Division..........    51,633,580         71,898,600   
BHFTI American Funds(R) Growth Division.....................    56,058,422         87,400,850   
BHFTI American Funds(R) Moderate Allocation Division........    62,437,325        144,785,563   
BHFTI AQR Global Risk Balanced Division.....................   109,618,559        159,263,759   
BHFTI BlackRock Global Tactical Strategies Division.........   161,696,172        237,065,445   
BHFTI BlackRock High Yield Division.........................        55,946             48,460   
BHFTI Brighthouse Asset Allocation 100 Division.............    20,534,436         31,187,405   
BHFTI Brighthouse Balanced Plus Division....................   393,080,973        312,725,954   
BHFTI Brighthouse Small Cap Value Division..................     2,195,313          2,716,432   
BHFTI Brighthouse/Aberdeen Emerging Markets                                                     
  Equity Division...........................................     5,689,915          7,390,382   
BHFTI Brighthouse/Artisan International Division............           280                835   
BHFTI Brighthouse/Eaton Vance Floating Rate Division........     6,519,031          5,885,918   
BHFTI Brighthouse/Franklin Low Duration Total Return                                            
  Division..................................................     9,320,380         16,641,641   
BHFTI Brighthouse/Templeton International Bond Division.....       197,682          1,555,400   
BHFTI Brighthouse/Wellington Large Cap Research Division....    96,887,492         92,894,011   
BHFTI Clarion Global Real Estate Division...................    15,420,314         32,421,654   
BHFTI ClearBridge Aggressive Growth Division................    37,480,766        111,713,660   
BHFTI Fidelity Institutional Asset Management(R) Government                                     
  Income Division...........................................    16,706,089         65,277,124   
BHFTI Harris Oakmark International Division.................    53,097,287         54,388,603   
BHFTI Invesco Balanced-Risk Allocation Division.............    52,184,583         65,820,838   
BHFTI Invesco Comstock Division.............................        21,691              7,790   
BHFTI Invesco Small Cap Growth Division.....................    15,277,839         12,713,830   
BHFTI JPMorgan Core Bond Division...........................     5,152,436         16,828,239   
BHFTI JPMorgan Global Active Allocation Division............   142,620,719         93,381,299   
BHFTI JPMorgan Small Cap Value Division.....................     2,374,905          5,154,103   
BHFTI Loomis Sayles Global Markets Division.................    12,798,194         24,401,323   
BHFTI MetLife Multi-Index Targeted Risk Division............    86,235,340         91,808,029   
BHFTI MFS(R) Research International Division................     8,461,460         27,809,384   
BHFTI Morgan Stanley Mid Cap Growth Division................    90,862,046         59,102,615   
BHFTI Oppenheimer Global Equity Division....................    40,383,427         35,089,455   
BHFTI PanAgora Global Diversified Risk Division.............     7,839,964         17,765,676   
BHFTI PIMCO Inflation Protected Bond Division...............    11,860,453         72,701,644   
BHFTI PIMCO Total Return Division...........................    23,306,371        158,444,709   
BHFTI Schroders Global Multi-Asset Division.................   448,436,212        118,753,125   
BHFTI Schroders Global Multi-Asset II Division..............    62,406,639(a)     407,311,484(a)
BHFTI SSGA Growth and Income ETF Division...................    57,486,407        145,592,766   
BHFTI SSGA Growth ETF Division..............................    15,403,903         21,513,031   
BHFTI T. Rowe Price Large Cap Value Division................        87,132            156,144   
BHFTI T. Rowe Price Mid Cap Growth Division.................    80,579,131         81,414,937   
BHFTI TCW Core Fixed Income Division........................         5,782             17,205   

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
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NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS -- (CONTINUED)                                    

                                                        [Enlarge/Download Table]

                                                                                                FOR THE YEAR ENDED           
                                                             AS OF DECEMBER 31, 2018             DECEMBER 31, 2018           
                                                        -------------------------------  ------------------------------------
                                                                                             COST OF           PROCEEDS      
                                                            SHARES          COST ($)      PURCHASES ($)     FROM SALES ($)   
                                                        --------------    -------------  -----------------  -----------------
                                                                                                                             
BHFTI Victory Sycamore Mid Cap Value Division..........     21,477,596      373,703,785      75,639,960         65,443,925   
BHFTI Wells Capital Management Mid Cap Value Division..         29,155          343,460          39,505             14,897   
BHFTII Baillie Gifford International Stock Division....      9,744,555      105,666,668       6,391,766         16,110,232   
BHFTII BlackRock Bond Income Division..................      3,855,771      410,372,552      22,134,512         68,884,907   
BHFTII BlackRock Capital Appreciation Division.........      4,543,690      140,483,893      41,898,505         39,018,072   
BHFTII BlackRock Ultra-Short Term Bond Division........        496,294       49,778,559      14,744,227         21,204,126   
BHFTII Brighthouse Asset Allocation 20 Division........     32,687,035      357,148,704      21,030,796         71,872,363   
BHFTII Brighthouse Asset Allocation 40 Division........     86,144,879      949,249,519      57,748,969        191,101,261   
BHFTII Brighthouse Asset Allocation 60 Division........    278,525,269    3,101,589,463     212,185,636        608,458,656   
BHFTII Brighthouse Asset Allocation 80 Division........    124,651,188    1,460,254,558     115,239,284        277,103,460   
BHFTII Brighthouse/Artisan Mid Cap Value Division......        827,860      180,155,232      16,617,862         33,031,657   
BHFTII Brighthouse/Dimensional International Small                                                                           
   Company Division....................................        662,911        9,222,465       2,034,468          1,616,142   
BHFTII Brighthouse/Wellington Balanced Division........     29,302,389      506,754,588      57,071,418         71,718,889   
BHFTII Brighthouse/Wellington Core Equity                                                                                    
   Opportunities Division..............................     15,878,735      467,527,986      40,431,106        104,389,284   
BHFTII Frontier Mid Cap Growth Division................     13,266,082      362,560,800      57,872,009         65,552,986   
BHFTII Jennison Growth Division........................     12,965,307      182,915,447      58,080,074         45,738,320   
BHFTII Loomis Sayles Small Cap Core Division...........        641,723      152,425,665      22,417,402         27,971,391   
BHFTII Loomis Sayles Small Cap Growth Division.........      4,298,423       54,789,079      19,834,275         12,030,755   
BHFTII MetLife Aggregate Bond Index Division...........     94,020,531    1,014,152,733      55,101,254        170,830,706   
BHFTII MetLife Mid Cap Stock Index Division............     28,132,731      422,896,103      63,337,733         82,148,157   
BHFTII MetLife MSCI EAFE(R) Index Division.............     35,480,950      420,640,116      34,169,864         50,712,961   
BHFTII MetLife Russell 2000(R) Index Division..........     16,675,681      260,539,989      43,818,643         57,911,085   
BHFTII MetLife Stock Index Division....................     57,521,840    1,980,818,416     268,136,563        446,872,906   
BHFTII MFS(R) Total Return Division....................        775,421      114,289,476      14,300,748         23,314,198   
BHFTII MFS(R) Value Division...........................     43,785,790      659,589,975     317,876,422        127,769,434   
BHFTII MFS(R) Value II Division........................             --               --      73,352,490(a)     248,663,047(a)
BHFTII Neuberger Berman Genesis Division...............     13,911,100      226,488,869      42,583,442         46,315,465   
BHFTII T. Rowe Price Large Cap Growth Division.........     26,445,461      525,847,393     139,562,574         94,531,171   
BHFTII T. Rowe Price Small Cap Growth Division.........     19,063,241      339,761,528      52,012,334         66,385,899   
BHFTII Van Eck Global Natural Resources Division.......      3,162,974       36,349,756       2,900,552          6,688,796   
BHFTII Western Asset Management Strategic Bond                                                                               
   Opportunities Division..............................     33,542,170      430,926,619      33,939,328         81,649,091   
BHFTII Western Asset Management U.S. Government                                                                              
   Division............................................     11,975,944      143,236,971       8,435,828         28,805,785   
BlackRock Global Allocation V.I. Division..............          6,815           99,104          30,394             24,385   
Calvert VP SRI Balanced Division.......................     23,017,157       44,733,872       6,437,447          7,169,104   
Calvert VP SRI Mid Cap Division........................        260,863        7,855,994       1,233,854          1,667,736   
Delaware VIP Small Cap Value Division..................            224            8,112           2,077             14,239   
Fidelity(R) VIP Contrafund Division....................         19,263          607,263          93,136            186,899   
Fidelity(R) VIP Equity-Income Division.................      3,128,901       68,260,415       5,322,004          9,051,579   
Fidelity(R) VIP Freedom 2020 Division..................         83,039        1,069,676         422,636            520,369   
Fidelity(R) VIP Freedom 2025 Division..................         86,350        1,162,913         738,489            319,887   
Fidelity(R) VIP Freedom 2030 Division..................        228,739        2,959,359         473,169            169,945   
Fidelity(R) VIP Freedom 2035 Division..................          5,296          118,022         266,359(b)         149,591(b)
Fidelity(R) VIP Freedom 2040 Division..................         26,475          505,430         158,781            125,196   
Fidelity(R) VIP Freedom 2045 Division..................          6,644          140,879         177,238(b)          36,716(b)
Fidelity(R) VIP Freedom 2050 Division..................         21,554          379,262         289,525            123,274   
Fidelity(R) VIP FundsManager 50% Division..............     22,144,893      263,538,206      26,824,686         42,857,574   
Fidelity(R) VIP FundsManager 60% Division..............     22,471,844      232,411,868      35,144,305         41,610,550   
Fidelity(R) VIP Government Money Market Division.......      5,355,641        5,355,641       4,504,755          4,158,290   

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS -- (CONCLUDED)                                    

                                                        [Enlarge/Download Table]

                                                                                                     FOR THE YEAR ENDED      
                                                                 AS OF DECEMBER 31, 2018              DECEMBER 31, 2018      
                                                             -------------------------------  -------------------------------
                                                                                                  COST OF         PROCEEDS   
                                                                 SHARES          COST ($)      PURCHASES ($)   FROM SALES ($)
                                                             -------------    --------------  --------------   --------------
                                                                                                                             
Fidelity(R) VIP Growth Division.............................     1,387,175        65,623,267     16,290,335        13,878,895
Fidelity(R) VIP Investment Grade Bond Division..............       713,884         9,134,785        890,044         1,968,699
Fidelity(R) VIP Mid Cap Division............................        14,310           446,165         61,018           195,048
FTVIPT Templeton Developing Markets VIP Division............        15,840           120,918         17,819            10,032
FTVIPT Templeton Foreign VIP Division.......................            48               687             20                 8
Ivy VIP Asset Strategy Division.............................           243             2,440            219               800
Janus Henderson Enterprise Division.........................         1,669            95,122          8,174            48,097
LMPVET ClearBridge Variable Appreciation Division...........         1,098            40,757          3,347             5,961
LMPVET ClearBridge Variable Dividend Strategy Division......         3,686            59,854          6,899             3,565
LMPVET ClearBridge Variable Large Cap Growth Division.......        20,523           468,015        102,317           103,418
LMPVET ClearBridge Variable Small Cap Growth Division.......           630            13,749          3,036            16,889
LMPVIT Western Asset Core Plus Division.....................        15,298            89,346          8,330            24,707
Morgan Stanley VIF Global Infrastructure Division...........         9,189            71,051         26,978            16,179
Oppenheimer Global Multi-Alternatives Fund/VA Division......         1,583            15,622             28               213
PIMCO VIT CommodityRealReturn(R) Strategy Division..........         5,962            46,345          1,230             8,541
PIMCO VIT Dynamic Bond Division.............................         8,217            83,948         60,711            94,155
PIMCO VIT Emerging Markets Bond Division....................         5,177            66,105          3,562             6,408
TAP 1919 Variable Socially Responsive Balanced Division.....         1,064            29,234          8,467             2,930

(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS                                                          
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017:                         

                                                        [Enlarge/Download Table]

                                                                         AMERICAN FUNDS(R)              AMERICAN FUNDS(R)       
                                      AMERICAN FUNDS(R) BOND               GLOBAL GROWTH           GLOBAL SMALL CAPITALIZATION  
                                             DIVISION                        DIVISION                       DIVISION            
                                  ------------------------------  ------------------------------  ------------------------------
                                       2018            2017            2018            2017            2018            2017     
                                  --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                
Units beginning of year..........      4,884,182       5,189,712          64,628         124,565      11,417,354      12,941,976
Units issued and transferred                                                                                                    
   from other funding options....        592,038         765,011           2,150          15,891       1,038,985         650,457
Units redeemed and transferred                                                                                                  
   to other funding options......    (1,264,914)     (1,070,541)        (18,518)        (75,828)     (2,335,530)     (2,175,079)
                                  --------------  --------------  --------------  --------------  --------------  --------------
Units end of year................      4,211,306       4,884,182          48,260          64,628      10,120,809      11,417,354
                                  ==============  ==============  ==============  ==============  ==============  ==============


                                                                       AMERICAN FUNDS(R)                BHFTI AB GLOBAL         
                                    AMERICAN FUNDS(R) GROWTH             GROWTH-INCOME                DYNAMIC ALLOCATION        
                                            DIVISION                       DIVISION                        DIVISION             
                                  -----------------------------  -----------------------------  ------------------------------  
                                      2018            2017            2018           2017            2018            2017       
                                  -------------  --------------  --------------  -------------  --------------  --------------  

                                                                                                                                
Units beginning of year..........     3,364,829       3,811,794       3,958,831      4,507,518     116,190,138     127,172,700  
Units issued and transferred                                                                                                    
   from other funding options....       275,064         204,460         307,288        232,771       1,371,296       2,114,307  
Units redeemed and transferred                                                                                                  
   to other funding options......     (717,770)       (651,425)       (860,212)      (781,458)    (14,907,864)    (13,096,869)  
                                  -------------  --------------  --------------  -------------  --------------  --------------  
Units end of year................     2,922,123       3,364,829       3,405,907      3,958,831     102,653,570     116,190,138  
                                  =============  ==============  ==============  =============  ==============  ==============  

                                                        [Enlarge/Download Table]

                                  BHFTI ALLIANZ GLOBAL INVESTORS      BHFTI AMERICAN FUNDS(R)        BHFTI AMERICAN FUNDS(R)    
                                     DYNAMIC MULTI-ASSET PLUS           BALANCED ALLOCATION             GROWTH ALLOCATION       
                                             DIVISION                        DIVISION                       DIVISION            
                                  -------------------------------  -----------------------------  ------------------------------
                                     2018 (a)          2017             2018           2017            2018            2017     
                                  --------------  --------------   -------------  --------------  --------------  --------------

                                                                                                                                
Units beginning of year..........     68,135,638      72,586,643      58,085,561      62,532,762      28,757,029      30,410,462
Units issued and transferred                                                                                                    
   from other funding options....      2,649,279       6,240,343       3,854,941       4,094,865       2,638,905       2,567,687
Units redeemed and transferred                                                                                                  
   to other funding options......   (70,784,917)    (10,691,348)    (10,239,489)     (8,542,066)     (5,430,306)     (4,221,120)
                                  --------------  --------------   -------------  --------------  --------------  --------------
Units end of year................             --      68,135,638      51,701,013      58,085,561      25,965,628      28,757,029
                                  ==============  ==============   =============  ==============  ==============  ==============


                                               BHFTI                          BHFTI                        BHFTI AQR            
                                     AMERICAN FUNDS(R) GROWTH      AMERICAN FUNDS(R) MODERATE        GLOBAL RISK BALANCED       
                                             DIVISION                  ALLOCATION DIVISION                 DIVISION             
                                  ------------------------------  -----------------------------  ------------------------------ 
                                       2018            2017            2018           2017            2018            2017      
                                  --------------  --------------  --------------  -------------  --------------  -------------- 

                                                                                                                                
Units beginning of year..........     20,103,266      23,833,859      63,563,450     70,805,087     104,234,505     115,858,295 
Units issued and transferred                                                                                                    
   from other funding options....      1,091,340       1,155,011       1,738,313      2,514,467       1,605,624       2,731,189 
Units redeemed and transferred                                                                                                  
   to other funding options......    (4,895,427)     (4,885,604)    (10,380,509)    (9,756,104)    (14,198,404)    (14,354,979) 
                                  --------------  --------------  --------------  -------------  --------------  -------------- 
Units end of year................     16,299,179      20,103,266      54,921,254     63,563,450      91,641,725     104,234,505 
                                  ==============  ==============  ==============  =============  ==============  ============== 

                                                        [Enlarge/Download Table]

                                   BHFTI BLACKROCK GLOBAL                   BHFTI                     BHFTI BRIGHTHOUSE      
                                     TACTICAL STRATEGIES            BLACKROCK HIGH YIELD            ASSET ALLOCATION 100     
                                          DIVISION                        DIVISION                        DIVISION           
                                -----------------------------  ------------------------------  ------------------------------
                                     2018           2017            2018            2017            2018            2017     
                                --------------  -------------  --------------  --------------  --------------  --------------

                                                                                                                             
Units beginning of year........    151,440,679    166,138,266          33,615          35,582      10,787,709      11,416,804
Units issued and transferred                                                                                                 
   from other funding options..      2,017,820      2,583,581           6,468          13,749       2,043,373       1,016,487
Units redeemed and transferred                                                                                               
   to other funding options....   (18,262,482)   (17,281,168)         (3,637)        (15,716)     (2,812,658)     (1,645,582)
                                --------------  -------------  --------------  --------------  --------------  --------------
Units end of year..............    135,196,017    151,440,679          36,446          33,615      10,018,424      10,787,709
                                ==============  =============  ==============  ==============  ==============  ==============


                                            BHFTI                           BHFTI                BHFTI BRIGHTHOUSE/ABERDEEN  
                                  BRIGHTHOUSE BALANCED PLUS      BRIGHTHOUSE SMALL CAP VALUE       EMERGING MARKETS EQUITY   
                                          DIVISION                        DIVISION                        DIVISION           
                                ------------------------------  -----------------------------  ------------------------------
                                     2018            2017            2018           2017            2018            2017     
                                --------------  --------------  -------------  --------------  --------------  --------------

                                                                                                                             
Units beginning of year........    254,482,460     267,191,129        611,465         648,258       4,781,863       5,375,922
Units issued and transferred                                                                                                 
   from other funding options..     12,793,387      14,067,221         76,349          84,989         898,119         650,264
Units redeemed and transferred                                                                                               
   to other funding options....   (29,472,220)    (26,775,890)      (119,419)       (121,782)     (1,084,816)     (1,244,323)
                                --------------  --------------  -------------  --------------  --------------  --------------
Units end of year..............    237,803,627     254,482,460        568,395         611,465       4,595,166       4,781,863
                                ==============  ==============  =============  ==============  ==============  ==============

                                                        [Enlarge/Download Table]

                                  BHFTI BRIGHTHOUSE/ARTISAN          BHFTI BRIGHTHOUSE/          BHFTI BRIGHTHOUSE/FRANKLIN     
                                        INTERNATIONAL             EATON VANCE FLOATING RATE       LOW DURATION TOTAL RETURN     
                                          DIVISION                        DIVISION                        DIVISION              
                                ------------------------------  ------------------------------  ------------------------------  
                                     2018            2017            2018            2017            2018            2017       
                                --------------  --------------  --------------  --------------  --------------  --------------  

                                                                                                                                
Units beginning of year........            256             313       2,489,148       2,268,533       8,361,024       8,173,168  
Units issued and transferred                                                                                                    
   from other funding options..             23              15         657,891         698,790       1,481,790       2,165,265  
Units redeemed and transferred                                                                                                  
   to other funding options....           (71)            (72)       (665,821)       (478,175)     (2,256,871)     (1,977,409)  
                                --------------  --------------  --------------  --------------  --------------  --------------  
Units end of year..............            208             256       2,481,218       2,489,148       7,585,943       8,361,024  
                                ==============  ==============  ==============  ==============  ==============  ==============  


                                  BHFTI BRIGHTHOUSE/TEMPLETON     BHFTI BRIGHTHOUSE/WELLINGTON                 BHFTI            
                                      INTERNATIONAL BOND               LARGE CAP RESEARCH           CLARION GLOBAL REAL ESTATE  
                                           DIVISION                         DIVISION                         DIVISION           
                                -------------------------------  -------------------------------  ------------------------------
                                      2018           2017             2018            2017             2018            2017     
                                 --------------  --------------  --------------  --------------   --------------  --------------

                                                                                                                                
Units beginning of year........         589,796         610,154      11,512,938      12,937,320       10,875,352      12,014,777
Units issued and transferred                                                                                                    
   from other funding options..          45,315          76,636         313,753         333,691          847,383       1,068,135
Units redeemed and transferred                                                                                                  
   to other funding options....       (146,032)        (96,994)     (1,649,565)     (1,758,073)      (2,218,538)     (2,207,560)
                                 --------------  --------------  --------------  --------------   --------------  --------------
Units end of year..............         489,079         589,796      10,177,126      11,512,938        9,504,197      10,875,352
                                 ==============  ==============  ==============  ==============   ==============  ==============


(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017:                         

                                                        [Enlarge/Download Table]

                                                                BHFTI FIDELITY INSTITUTIONAL                                 
                                      BHFTI CLEARBRIDGE              ASSET MANAGEMENT(R)                   BHFTI             
                                      AGGRESSIVE GROWTH               GOVERNMENT INCOME        HARRIS OAKMARK INTERNATIONAL  
                                          DIVISION                        DIVISION                       DIVISION            
                                -----------------------------  ------------------------------  ------------------------------
                                    2018            2017            2018            2017            2018           2017      
                                -------------  --------------  --------------  --------------  --------------  ------------- 

                                                                                                                             
Units beginning of year........    29,749,965      34,182,457      41,565,748      47,006,535      16,803,885     19,261,195 
Units issued and transferred                                                                                                 
   from other funding options..     1,971,212       2,400,788       2,542,786       2,754,429       2,917,904      1,630,199 
Units redeemed and transferred                                                                                               
   to other funding options....   (7,063,313)     (6,833,280)     (7,666,551)     (8,195,216)     (3,788,971)    (4,087,509) 
                                -------------  --------------  --------------  --------------  --------------  ------------- 
Units end of year..............    24,657,864      29,749,965      36,441,983      41,565,748      15,932,818     16,803,885 
                                =============  ==============  ==============  ==============  ==============  ============= 



                                         BHFTI INVESCO                                                      BHFTI            
                                   BALANCED-RISK ALLOCATION        BHFTI INVESCO COMSTOCK         INVESCO SMALL CAP GROWTH   
                                           DIVISION                       DIVISION                        DIVISION           
                                ------------------------------  -----------------------------  ------------------------------
                                     2018            2017            2018           2017            2018            2017     
                                --------------  --------------  --------------  -------------  --------------  --------------

                                                                                                                             
Units beginning of year........    445,688,739     454,902,610          10,379          7,061       1,615,884       1,830,196
Units issued and transferred                                                                                                 
   from other funding options..     20,645,988      59,335,497             810         10,322         377,544         228,994
Units redeemed and transferred                                                                                               
   to other funding options....   (65,286,620)    (68,549,368)         (4,232)        (7,004)       (483,841)       (443,306)
                                --------------  --------------  --------------  -------------  --------------  --------------
Units end of year..............    401,048,107     445,688,739           6,957         10,379       1,509,587       1,615,884
                                ==============  ==============  ==============  =============  ==============  ==============

                                                        [Enlarge/Download Table]

                                              BHFTI                     BHFTI JPMORGAN                       BHFTI            
                                       JPMORGAN CORE BOND          GLOBAL ACTIVE ALLOCATION        JPMORGAN SMALL CAP VALUE   
                                            DIVISION                       DIVISION                        DIVISION           
                                  -----------------------------  ------------------------------  -----------------------------
                                       2018           2017            2018            2017           2018            2017     
                                  --------------  -------------  --------------  --------------  -------------  --------------

                                                                                                                              
Units beginning of year..........      8,421,961      8,737,449     606,636,328     658,264,125      1,036,634       1,149,179
Units issued and transferred                                                                                                  
   from other funding options....      1,018,129      1,370,016      81,237,942      25,194,411        112,636         197,683
Units redeemed and transferred                                                                                                
   to other funding options......    (2,185,742)    (1,685,504)    (82,532,270)    (76,822,208)      (272,753)       (310,228)
                                  --------------  -------------  --------------  --------------  -------------  --------------
Units end of year................      7,254,348      8,421,961     605,342,000     606,636,328        876,517       1,036,634
                                  ==============  =============  ==============  ==============  =============  ==============


                                       BHFTI LOOMIS SAYLES               BHFTI METLIFE                  BHFTI MFS(R)          
                                         GLOBAL MARKETS            MULTI-INDEX TARGETED RISK       RESEARCH INTERNATIONAL     
                                            DIVISION                       DIVISION                       DIVISION            
                                  -----------------------------  -----------------------------  ----------------------------- 
                                      2018            2017            2018           2017            2018           2017      
                                  -------------  --------------  -------------  --------------  --------------  ------------- 

                                                                                                                              
Units beginning of year..........     5,880,789       6,761,244    689,687,735     733,282,833      11,333,543     13,120,940 
Units issued and transferred                                                                                                  
   from other funding options....       461,247         592,870     42,420,641      42,539,347       2,061,420        700,417 
Units redeemed and transferred                                                                                                
   to other funding options......   (1,358,363)     (1,473,325)   (93,220,825)    (86,134,445)     (3,288,121)    (2,487,814) 
                                  -------------  --------------  -------------  --------------  --------------  ------------- 
Units end of year................     4,983,673       5,880,789    638,887,551     689,687,735      10,106,842     11,333,543 
                                  =============  ==============  =============  ==============  ==============  ============= 

                                                        [Enlarge/Download Table]

                                      BHFTI MORGAN STANLEY             BHFTI OPPENHEIMER                BHFTI PANAGORA        
                                         MID CAP GROWTH                  GLOBAL EQUITY              GLOBAL DIVERSIFIED RISK   
                                            DIVISION                       DIVISION                        DIVISION           
                                  -----------------------------  -----------------------------  ------------------------------
                                       2018           2017            2018           2017            2018            2017     
                                  -------------  --------------  -------------  --------------  --------------  --------------

                                                                                                                              
Units beginning of year..........    13,380,312      14,691,729     15,776,074      16,415,762      80,775,666      74,593,960
Units issued and transferred                                                                                                  
   from other funding options....     1,750,935       1,352,701      3,565,405       3,138,908       4,141,274      28,348,135
Units redeemed and transferred                                                                                                
   to other funding options......   (2,827,197)     (2,664,118)    (2,982,613)     (3,778,596)    (17,688,209)    (22,166,429)
                                  -------------  --------------  -------------  --------------  --------------  --------------
Units end of year................    12,304,050      13,380,312     16,358,866      15,776,074      67,228,731      80,775,666
                                  =============  ==============  =============  ==============  ==============  ==============


                                           BHFTI PIMCO                    BHFTI PIMCO                       BHFTI             
                                    INFLATION PROTECTED BOND             TOTAL RETURN           SCHRODERS GLOBAL MULTI-ASSET  
                                            DIVISION                       DIVISION                       DIVISION            
                                  -----------------------------  -----------------------------  ----------------------------- 
                                       2018           2017            2018           2017           2018            2017      
                                  -------------  --------------  -------------  --------------  -------------  -------------- 

                                                                                                                              
Units beginning of year..........    28,145,710      29,444,296     49,441,770      52,424,443    395,258,412     424,763,788 
Units issued and transferred                                                                                                  
   from other funding options....     2,367,559       3,946,131      5,135,111       5,919,475    300,782,846      17,227,523 
Units redeemed and transferred                                                                                                
   to other funding options......   (6,573,648)     (5,244,717)   (12,734,230)     (8,902,148)   (94,196,840)    (46,732,899) 
                                  -------------  --------------  -------------  --------------  -------------  -------------- 
Units end of year................    23,939,621      28,145,710     41,842,651      49,441,770    601,844,418     395,258,412 
                                  =============  ==============  =============  ==============  =============  ============== 

                                                        [Enlarge/Download Table]

                                         BHFTI SCHRODERS                   BHFTI SSGA                                         
                                      GLOBAL MULTI-ASSET II           GROWTH AND INCOME ETF          BHFTI SSGA GROWTH ETF    
                                            DIVISION                        DIVISION                       DIVISION           
                                  -----------------------------  ------------------------------  -----------------------------
                                     2018 (a)         2017            2018            2017            2018           2017     
                                  --------------  -------------  --------------  --------------  -------------  --------------

                                                                                                                              
Units beginning of year..........     31,603,768     32,392,292      49,193,853      55,792,678      8,624,728       9,414,590
Units issued and transferred                                                                                                  
   from other funding options....        435,175      3,474,394       1,146,995       1,427,147        566,355         542,921
Units redeemed and transferred                                                                                                
   to other funding options......   (32,038,943)    (4,262,918)     (8,699,114)     (8,025,972)    (1,437,885)     (1,332,783)
                                  --------------  -------------  --------------  --------------  -------------  --------------
Units end of year................             --     31,603,768      41,641,734      49,193,853      7,753,198       8,624,728
                                  ==============  =============  ==============  ==============  =============  ==============


                                       BHFTI T. ROWE PRICE            BHFTI T. ROWE PRICE                BHFTI TCW            
                                         LARGE CAP VALUE                MID CAP GROWTH               CORE FIXED INCOME        
                                            DIVISION                       DIVISION                      DIVISION             
                                  -----------------------------  -----------------------------  ----------------------------  
                                       2018           2017            2018           2017           2018            2017      
                                  --------------  -------------  -------------  --------------  -------------  -------------  

                                                                                                                              
Units beginning of year..........         23,096         22,303     21,768,491      23,983,678         25,274         31,998  
Units issued and transferred                                                                                                  
   from other funding options....            551          5,544      2,414,342       2,390,090             --          2,533  
Units redeemed and transferred                                                                                                
   to other funding options......        (2,651)        (4,751)    (5,123,091)     (4,605,277)        (1,409)        (9,257)  
                                  --------------  -------------  -------------  --------------  -------------  -------------  
Units end of year................         20,996         23,096     19,059,742      21,768,491         23,865         25,274  
                                  ==============  =============  =============  ==============  =============  =============  


(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017:                         

                                                        [Enlarge/Download Table]

                                         BHFTI VICTORY               BHFTI WELLS CAPITAL            BHFTII BAILLIE GIFFORD    
                                    SYCAMORE MID CAP VALUE        MANAGEMENT MID CAP VALUE            INTERNATIONAL STOCK     
                                           DIVISION                       DIVISION                         DIVISION           
                                ------------------------------  ------------------------------  ------------------------------
                                     2018            2017            2018            2017            2018            2017     
                                --------------  --------------  --------------  -------------   --------------  --------------

                                                                                                                              
Units beginning of year........     10,507,414      11,613,954          12,681         13,137        7,456,089       8,556,834
Units issued and transferred                                                                                                  
   from other funding options..        724,755         891,549             293            616        1,204,756         443,472
Units redeemed and transferred                                                                                                
   to other funding options....    (2,133,466)     (1,998,089)           (440)        (1,072)      (1,735,564)     (1,544,217)
                                --------------  --------------  --------------  -------------   --------------  --------------
Units end of year..............      9,098,703      10,507,414          12,534         12,681        6,925,281       7,456,089
                                ==============  ==============  ==============  =============   ==============  ==============


                                      BHFTII BLACKROCK                BHFTII BLACKROCK               BHFTII BLACKROCK         
                                         BOND INCOME                CAPITAL APPRECIATION           ULTRA-SHORT TERM BOND      
                                          DIVISION                        DIVISION                       DIVISION             
                                -----------------------------  ------------------------------  -----------------------------  
                                     2018           2017            2018            2017            2018           2017       
                                --------------  -------------  --------------  --------------  -------------  --------------  

                                                                                                                              
Units beginning of year........      9,495,090     10,189,467       5,314,588       5,990,155      4,077,356       4,242,132  
Units issued and transferred                                                                                                  
   from other funding options..      1,802,873      1,020,199       2,675,802         454,381      2,037,543       1,384,500  
Units redeemed and transferred                                                                                                
   to other funding options....    (3,045,361)    (1,714,576)     (3,132,530)     (1,129,948)    (2,492,289)     (1,549,276)  
                                --------------  -------------  --------------  --------------  -------------  --------------  
Units end of year..............      8,252,602      9,495,090       4,857,860       5,314,588      3,622,610       4,077,356  
                                ==============  =============  ==============  ==============  =============  ==============  

                                                        [Enlarge/Download Table]


                                      BHFTII BRIGHTHOUSE              BHFTII BRIGHTHOUSE               BHFTII BRIGHTHOUSE       
                                      ASSET ALLOCATION 20             ASSET ALLOCATION 40              ASSET ALLOCATION 60      
                                           DIVISION                        DIVISION                         DIVISION            
                                -------------------------------  ------------------------------  ------------------------------ 
                                     2018             2017            2018            2017            2018            2017      
                                ---------------  --------------  --------------  --------------  --------------  -------------- 

                                                                                                                                
Units beginning of year........      26,632,640      30,580,692      68,087,417      78,507,145     213,872,364     240,019,648 
Units issued and transferred                                                                                                    
   from other funding options..       1,329,149       1,605,137       1,753,329       2,846,825       6,410,243       6,884,662 
Units redeemed and transferred                                                                                                  
   to other funding options....     (5,191,695)     (5,553,189)    (12,007,282)    (13,266,553)    (36,414,739)    (33,031,946) 
                                ---------------  --------------  --------------  --------------  --------------  -------------- 
Units end of year..............      22,770,094      26,632,640      57,833,464      68,087,417     183,867,868     213,872,364 
                                ===============  ==============  ==============  ==============  ==============  ============== 


                                                                                                       BHFTII BRIGHTHOUSE/      
                                      BHFTII BRIGHTHOUSE           BHFTII BRIGHTHOUSE/ARTISAN       DIMENSIONAL INTERNATIONAL   
                                      ASSET ALLOCATION 80                 MID CAP VALUE                   SMALL COMPANY         
                                           DIVISION                         DIVISION                        DIVISION            
                                -------------------------------  -------------------------------  ------------------------------
                                     2018            2017              2018            2017            2018            2017     
                                --------------  ---------------  ---------------  --------------  --------------  --------------

                                                                                                                                
Units beginning of year........     98,239,149      108,427,987        4,884,190       5,613,562         353,646         396,617
Units issued and transferred                                                                                                    
   from other funding options..      3,264,001        4,160,601        1,250,707         354,635          75,651          57,886
Units redeemed and transferred                                                                                                  
   to other funding options....   (15,869,329)     (14,349,439)      (1,829,266)     (1,084,007)        (86,959)       (100,857)
                                --------------  ---------------  ---------------  --------------  --------------  --------------
Units end of year..............     85,633,821       98,239,149        4,305,631       4,884,190         342,338         353,646
                                ==============  ===============  ===============  ==============  ==============  ==============

                                                        [Enlarge/Download Table]

                                                                     BHFTII BRIGHTHOUSE/                                     
                                      BHFTII BRIGHTHOUSE/          WELLINGTON CORE EQUITY              BHFTII FRONTIER       
                                      WELLINGTON BALANCED               OPPORTUNITIES                  MID CAP GROWTH        
                                           DIVISION                       DIVISION                        DIVISION           
                                ------------------------------  -----------------------------  ------------------------------
                                     2018            2017            2018            2017           2018            2017     
                                --------------  --------------  --------------  -------------  --------------  --------------

                                                                                                                             
Units beginning of year........     10,336,562      11,309,419      11,256,241     12,871,913       6,921,843       7,660,214
Units issued and transferred                                                                                                 
   from other funding options..        278,076         355,054       2,597,736        440,785         175,275         287,763
Units redeemed and transferred                                                                                               
   to other funding options....    (1,307,009)     (1,327,911)     (4,284,663)    (2,056,457)       (902,045)     (1,026,134)
                                --------------  --------------  --------------  -------------  --------------  --------------
Units end of year..............      9,307,629      10,336,562       9,569,314     11,256,241       6,195,073       6,921,843
                                ==============  ==============  ==============  =============  ==============  ==============



                                                                           BHFTII                       BHFTII LOOMIS        
                                    BHFTII JENNISON GROWTH      LOOMIS SAYLES SMALL CAP CORE       SAYLES SMALL CAP GROWTH   
                                           DIVISION                       DIVISION                        DIVISION           
                                ------------------------------  ------------------------------  -----------------------------
                                     2018            2017            2018            2017           2018            2017     
                                --------------  --------------  --------------  --------------  -------------  --------------

                                                                                                                             
Units beginning of year........     14,946,828      16,378,562       3,862,700       4,342,911      2,468,467       2,721,567
Units issued and transferred                                                                                                 
   from other funding options..      4,054,234       2,774,059       1,547,099         309,418        851,282         350,340
Units redeemed and transferred                                                                                               
   to other funding options....    (5,123,123)     (4,205,793)     (2,008,926)       (789,629)      (818,588)       (603,440)
                                --------------  --------------  --------------  --------------  -------------  --------------
Units end of year..............     13,877,939      14,946,828       3,400,873       3,862,700      2,501,161       2,468,467
                                ==============  ==============  ==============  ==============  =============  ==============

                                                        [Enlarge/Download Table]

                                         BHFTII METLIFE                  BHFTII METLIFE                     BHFTII            
                                      AGGREGATE BOND INDEX             MID CAP STOCK INDEX        METLIFE MSCI EAFE(R) INDEX  
                                            DIVISION                        DIVISION                       DIVISION           
                                  -----------------------------  ------------------------------  -----------------------------
                                       2018            2017           2018            2017           2018            2017     
                                  --------------  -------------  --------------  --------------  -------------  --------------

                                                                                                                              
Units beginning of year..........     64,574,871     67,082,177      16,065,965      17,710,513     30,129,062      34,611,269
Units issued and transferred                                                                                                  
   from other funding options....      6,508,568      8,681,776       1,482,360       1,661,104      3,860,582       2,000,862
Units redeemed and transferred                                                                                                
   to other funding options......   (14,333,116)   (11,189,082)     (3,283,685)     (3,305,652)    (5,298,743)     (6,483,069)
                                  --------------  -------------  --------------  --------------  -------------  --------------
Units end of year................     56,750,323     64,574,871      14,264,640      16,065,965     28,690,901      30,129,062
                                  ==============  =============  ==============  ==============  =============  ==============


                                             BHFTII                          BHFTII                         BHFTII            
                                  METLIFE RUSSELL 2000(R) INDEX        METLIFE STOCK INDEX            MFS(R) TOTAL RETURN     
                                            DIVISION                        DIVISION                       DIVISION           
                                  ------------------------------  -----------------------------  -----------------------------
                                       2018           2017             2018           2017            2018            2017    
                                  -------------  --------------   --------------  -------------  --------------  -------------

                                                                                                                              
Units beginning of year..........    10,459,851      11,262,895       37,306,057     41,650,103       3,778,366      4,213,037
Units issued and transferred                                                                                                  
   from other funding options....     1,324,048       1,402,837        2,803,382      2,270,070       1,378,803        249,028
Units redeemed and transferred                                                                                                
   to other funding options......   (2,330,076)     (2,205,881)      (7,017,619)    (6,614,116)     (1,835,133)      (683,699)
                                  -------------  --------------   --------------  -------------  --------------  -------------
Units end of year................     9,453,823      10,459,851       33,091,820     37,306,057       3,322,036      3,778,366
                                  =============  ==============   ==============  =============  ==============  =============


(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017:                         

                                                        [Enlarge/Download Table]

                                                                                                            BHFTII             
                                       BHFTII MFS(R) VALUE           BHFTII MFS(R) VALUE II        NEUBERGER BERMAN GENESIS    
                                            DIVISION                        DIVISION                       DIVISION            
                                  -----------------------------  ------------------------------  ----------------------------- 
                                       2018            2017         2018 (a)          2017            2018           2017      
                                  --------------  -------------  --------------  --------------  -------------  -------------- 

                                                                                                                               
Units beginning of year..........     20,677,338     23,336,266      12,582,216      13,722,798      9,828,019      11,028,717 
Units issued and transferred                                                                                                   
   from other funding options....     43,375,774      1,568,234         374,437       1,798,783        969,840         563,212 
Units redeemed and transferred                                                                                                 
   to other funding options......   (11,493,915)    (4,227,162)    (12,956,653)     (2,939,365)    (2,118,684)     (1,763,910) 
                                  --------------  -------------  --------------  --------------  -------------  -------------- 
Units end of year................     52,559,197     20,677,338              --      12,582,216      8,679,175       9,828,019 
                                  ==============  =============  ==============  ==============  =============  ============== 


                                       BHFTII T. ROWE PRICE           BHFTII T. ROWE PRICE              BHFTII VAN ECK         
                                         LARGE CAP GROWTH               SMALL CAP GROWTH           GLOBAL NATURAL RESOURCES    
                                             DIVISION                       DIVISION                       DIVISION            
                                  ------------------------------  -----------------------------  ------------------------------
                                       2018            2017            2018            2017           2018            2017     
                                  --------------  --------------  --------------  -------------  --------------  --------------

                                                                                                                               
Units beginning of year..........     18,998,068      20,326,210      10,715,353     11,498,401       2,921,930       2,736,220
Units issued and transferred                                                                                                   
   from other funding options....      2,419,023       2,808,055         990,362      1,160,544         562,897         871,443
Units redeemed and transferred                                                                                                 
   to other funding options......    (4,201,036)     (4,136,197)     (2,048,240)    (1,943,592)       (797,205)       (685,733)
                                  --------------  --------------  --------------  -------------  --------------  --------------
Units end of year................     17,216,055      18,998,068       9,657,475     10,715,353       2,687,622       2,921,930
                                  ==============  ==============  ==============  =============  ==============  ==============

                                                        [Enlarge/Download Table]

                                    BHFTII WESTERN ASSET                                                                      
                                    MANAGEMENT STRATEGIC            BHFTII WESTERN ASSET                  BLACKROCK           
                                     BOND OPPORTUNITIES          MANAGEMENT U.S. GOVERNMENT        GLOBAL ALLOCATION V.I.     
                                          DIVISION                        DIVISION                        DIVISION            
                                ------------------------------  ------------------------------  ------------------------------
                                     2018            2017            2018            2017            2018            2017     
                                --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                              
Units beginning of year........     15,854,082      17,633,082       9,021,983       9,582,786           4,188          25,590
Units issued and transferred                                                                                                  
   from other funding options..      1,926,343       1,548,493       1,233,035       1,247,608           1,095           2,408
Units redeemed and transferred                                                                                                
   to other funding options....    (4,049,078)     (3,327,493)     (2,481,436)     (1,808,411)         (1,073)        (23,810)
                                --------------  --------------  --------------  --------------  --------------  --------------
Units end of year..............     13,731,347      15,854,082       7,773,582       9,021,983           4,210           4,188
                                ==============  ==============  ==============  ==============  ==============  ==============



                                                                                                          DELAWARE            
                                   CALVERT VP SRI BALANCED         CALVERT VP SRI MID CAP            VIP SMALL CAP VALUE      
                                          DIVISION                        DIVISION                        DIVISION            
                                ------------------------------  ------------------------------  ------------------------------
                                     2018            2017            2018            2017            2018            2017     
                                --------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                              
Units beginning of year........      1,186,460       1,327,240         145,874         186,977          14,842          25,822
Units issued and transferred                                                                                                  
   from other funding options..         53,540          62,878           8,709          12,518           1,043           6,250
Units redeemed and transferred                                                                                                
   to other funding options....      (176,408)       (203,658)        (28,278)        (53,621)         (9,893)        (17,230)
                                --------------  --------------  --------------  --------------  --------------  --------------
Units end of year..............      1,063,592       1,186,460         126,305         145,874           5,992          14,842
                                ==============  ==============  ==============  ==============  ==============  ==============

                                                        [Enlarge/Download Table]

                                          FIDELITY(R)                                                                            
                                        VIP CONTRAFUND            FIDELITY(R) VIP EQUITY-INCOME    FIDELITY(R) VIP FREEDOM 2020  
                                           DIVISION                         DIVISION                         DIVISION            
                                -------------------------------  -------------------------------  -------------------------------
                                     2018             2017            2018             2017             2018            2017     
                                ---------------  --------------  ---------------  --------------  ---------------  --------------

                                                                                                                                 
Units beginning of year........          89,664         161,557        2,048,365       2,327,096           63,006          98,961
Units issued and transferred                                                                                                     
   from other funding options..           2,826          14,938        1,160,922          56,808           19,669          28,432
Units redeemed and transferred                                                                                                   
   to other funding options....        (19,772)        (86,831)      (1,393,911)       (335,539)         (26,400)        (64,387)
                                ---------------  --------------  ---------------  --------------  ---------------  --------------
Units end of year..............          72,718          89,664        1,815,376       2,048,365           56,275          63,006
                                ===============  ==============  ===============  ==============  ===============  ==============


                                                                                                   FIDELITY(R) VIP               
                                 FIDELITY(R) VIP FREEDOM 2025     FIDELITY(R) VIP FREEDOM 2030      FREEDOM 2035                 
                                           DIVISION                         DIVISION                  DIVISION                   
                                -------------------------------  -------------------------------  ----------------               
                                      2018            2017             2018            2017           2018 (b)                   
                                ---------------  --------------  ---------------  --------------  ----------------               

                                                                                                                                 
Units beginning of year........          38,578          79,781          139,649         115,111               --                
Units issued and transferred                                                                                                     
   from other funding options..          34,949          30,413           17,341         112,071            9,423                
Units redeemed and transferred                                                                                                   
   to other funding options....        (15,249)        (71,616)          (7,122)        (87,533)          (5,205)                
                                ---------------  --------------  ---------------  --------------  ----------------               
Units end of year..............          58,278          38,578          149,868         139,649            4,218                
                                ===============  ==============  ===============  ==============  ================               

                                                        [Enlarge/Download Table]

                                                                FIDELITY(R) VIP                                                
                                 FIDELITY(R) VIP FREEDOM 2040    FREEDOM 2045     FIDELITY(R) VIP FREEDOM 2050                 
                                           DIVISION                DIVISION                 DIVISION                           
                                ------------------------------  ---------------  ------------------------------                
                                     2018            2017          2018 (b)           2018            2017                     
                                --------------  --------------  --------------   --------------  --------------                

                                                                                                                               
Units beginning of year........         18,419           7,760              --            8,553           6,075                
Units issued and transferred                                                                                                   
   from other funding options..          5,137          14,593           6,055            9,650           7,180                
Units redeemed and transferred                                                                                                 
   to other funding options....        (4,247)         (3,934)         (1,244)          (4,474)         (4,702)                
                                --------------  --------------  --------------   --------------  --------------                
Units end of year..............         19,309          18,419           4,811           13,729           8,553                
                                ==============  ==============  ==============   ==============  ==============                


                                          FIDELITY(R)                     FIDELITY(R)                   FIDELITY(R) VIP        
                                     VIP FUNDSMANAGER 50%            VIP FUNDSMANAGER 60%           GOVERNMENT MONEY MARKET    
                                           DIVISION                        DIVISION                        DIVISION            
                                ------------------------------  ------------------------------  -------------------------------
                                     2018            2017            2018            2017            2018            2017      
                                --------------  --------------  --------------  --------------  --------------  ---------------

                                                                                                                               
Units beginning of year........     21,200,158      22,355,817      19,728,179      22,614,243         311,112          379,214
Units issued and transferred                                                                                                   
   from other funding options..         88,690          86,412          15,389          26,377         289,526          130,667
Units redeemed and transferred                                                                                                 
   to other funding options....    (2,597,963)     (1,242,071)     (2,536,443)     (2,912,441)       (270,287)        (198,769)
                                --------------  --------------  --------------  --------------  --------------  ---------------
Units end of year..............     18,690,885      21,200,158      17,207,125      19,728,179         330,351          311,112
                                ==============  ==============  ==============  ==============  ==============  ===============


(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONCLUDED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017:                         

                                                        [Enlarge/Download Table]

                                                                           FIDELITY(R)                      FIDELITY(R)         
                                     FIDELITY(R) VIP GROWTH         VIP INVESTMENT GRADE BOND               VIP MID CAP         
                                            DIVISION                        DIVISION                         DIVISION           
                                --------------------------------  ------------------------------  ------------------------------
                                     2018              2017            2018            2017            2018            2017     
                                ---------------  ---------------  --------------  --------------  --------------  --------------

                                                                                                                                
Units beginning of year........         980,268        1,115,679         293,120         365,398          81,118          92,941
Units issued and transferred                                                                                                    
   from other funding options..          41,735           34,152          24,756          34,876             190           6,610
Units redeemed and transferred                                                                                                  
   to other funding options....       (142,047)        (169,563)        (61,940)       (107,154)        (21,977)        (18,433)
                                ---------------  ---------------  --------------  --------------  --------------  --------------
Units end of year..............         879,956          980,268         255,936         293,120          59,331          81,118
                                ===============  ===============  ==============  ==============  ==============  ==============


                                       FTVIPT TEMPLETON                      FTVIPT                                             
                                    DEVELOPING MARKETS VIP            TEMPLETON FOREIGN VIP          IVY VIP ASSET STRATEGY     
                                           DIVISION                         DIVISION                        DIVISION            
                                ------------------------------  --------------------------------  ------------------------------
                                     2018            2017            2018             2017             2018            2017     
                                --------------  --------------  ---------------  ---------------  --------------  --------------

                                                                                                                                
Units beginning of year........         83,878         168,845              159              353             167             183
Units issued and transferred                                                                                                    
   from other funding options..         10,248          25,811               --              616               5               5
Units redeemed and transferred                                                                                                  
   to other funding options....        (5,204)       (110,778)               --            (810)            (44)            (21)
                                --------------  --------------  ---------------  ---------------  --------------  --------------
Units end of year..............         88,922          83,878              159              159             128             167
                                ==============  ==============  ===============  ===============  ==============  ==============

                                                        [Enlarge/Download Table]

                                                                      LMPVET CLEARBRIDGE             LMPVET CLEARBRIDGE        
                                   JANUS HENDERSON ENTERPRISE        VARIABLE APPRECIATION       VARIABLE DIVIDEND STRATEGY    
                                            DIVISION                       DIVISION                       DIVISION             
                                  -----------------------------  -----------------------------  ------------------------------ 
                                       2018           2017            2018            2017           2018            2017      
                                  --------------  -------------  --------------  -------------  --------------  -------------- 

                                                                                                                               
Units beginning of year..........         15,309         31,893           6,486          5,096          46,671          52,618 
Units issued and transferred                                                                                                   
   from other funding options....            286          2,537             114          1,552           1,103           3,419 
Units redeemed and transferred                                                                                                 
   to other funding options......        (4,678)       (19,121)           (727)          (162)         (1,976)         (9,366) 
                                  --------------  -------------  --------------  -------------  --------------  -------------- 
Units end of year................         10,917         15,309           5,873          6,486          45,798          46,671 
                                  ==============  =============  ==============  =============  ==============  ============== 


                                       LMPVET CLEARBRIDGE               LMPVET CLEARBRIDGE                   LMPVIT            
                                    VARIABLE LARGE CAP GROWTH        VARIABLE SMALL CAP GROWTH       WESTERN ASSET CORE PLUS   
                                            DIVISION                         DIVISION                       DIVISION           
                                  ------------------------------  ------------------------------  -----------------------------
                                       2018            2017            2018            2017           2018            2017     
                                  --------------  --------------  --------------  --------------  -------------  --------------

                                                                                                                               
Units beginning of year..........        132,067         224,143           6,825          12,622         31,136          51,470
Units issued and transferred                                                                                                   
   from other funding options....         20,505          31,352             259           1,436          1,741          19,420
Units redeemed and transferred                                                                                                 
   to other funding options......       (24,369)       (123,428)         (3,433)         (7,233)        (7,408)        (39,754)
                                  --------------  --------------  --------------  --------------  -------------  --------------
Units end of year................        128,203         132,067           3,651           6,825         25,469          31,136
                                  ==============  ==============  ==============  ==============  =============  ==============

                                                        [Enlarge/Download Table]

                                                                                                           PIMCO VIT          
                                         MORGAN STANLEY               OPPENHEIMER GLOBAL            COMMODITYREALRETURN(R)    
                                    VIF GLOBAL INFRASTRUCTURE     MULTI-ALTERNATIVES FUND/VA               STRATEGY           
                                            DIVISION                       DIVISION                        DIVISION           
                                  -----------------------------  ------------------------------  -----------------------------
                                       2018           2017            2018          2017 (c)         2018            2017     
                                  --------------  -------------  --------------  --------------  -------------  --------------

                                                                                                                              
Units beginning of year..........          4,622          4,158           1,578              --          6,917           6,890
Units issued and transferred                                                                                                  
   from other funding options....          1,743          1,158              --           1,578             79           2,358
Units redeemed and transferred                                                                                                
   to other funding options......        (1,245)          (694)              --              --        (1,137)         (2,331)
                                  --------------  -------------  --------------  --------------  -------------  --------------
Units end of year................          5,120          4,622           1,578           1,578          5,859           6,917
                                  ==============  =============  ==============  ==============  =============  ==============



                                                                           PIMCO VIT             TAP 1919 VARIABLE SOCIALLY   
                                     PIMCO VIT DYNAMIC BOND          EMERGING MARKETS BOND           RESPONSIVE BALANCED      
                                            DIVISION                       DIVISION                       DIVISION            
                                  -----------------------------  -----------------------------  ----------------------------- 
                                      2018            2017            2018           2017            2018           2017      
                                  -------------  --------------  -------------  --------------  --------------  ------------- 

                                                                                                                              
Units beginning of year..........        11,816          11,278          6,421           8,142           4,430          1,649 
Units issued and transferred                                                                                                  
   from other funding options....         5,615             936            110           1,408           1,062          3,765 
Units redeemed and transferred                                                                                                
   to other funding options......       (9,093)           (398)          (531)         (3,129)           (504)          (984) 
                                  -------------  --------------  -------------  --------------  --------------  ------------- 
Units end of year................         8,338          11,816          6,000           6,421           4,988          4,430 
                                  =============  ==============  =============  ==============  ==============  ============= 


(a) For the period January 1, 2018 to April 27, 2018.                           
(b) For the period April 30, 2018 to December 31, 2018.                         
(c) For the period April 28, 2017 to December 31, 2017.                         

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS                                                        

The Company sells a number of variable annuity products which have unique       
combinations of features and fees, some of which directly affect the unit       
values of the Divisions. Differences in the fee structures result in a variety  
of unit values, expense ratios, and total returns.                              

The following table is a summary of unit values and units outstanding for the   
Contracts, net assets, net investment income ratios, expense ratios, excluding  
expenses for the underlying fund, series, or portfolio, and total return ratios 
for the respective stated periods in the five years ended December 31, 2018:    

                                                        [Enlarge/Download Table]

                                                        AS OF DECEMBER 31                   
                                         -----------------------------------------------    
                                                          UNIT VALUE                        
                                                           LOWEST TO           NET          
                                             UNITS        HIGHEST ($)      ASSETS ($)       
                                         ------------  ----------------  ---------------    
                                                                                            
American Funds(R) Bond Division    2018     4,211,306      1.01 - 21.27       74,861,593    
                                   2017     4,884,182      1.03 - 21.56       88,742,232    
                                   2016     5,189,712      1.01 - 20.94       92,324,388    
                                   2015     5,343,073      0.99 - 20.47       93,643,199    
                                   2014     5,917,641     14.68 - 20.55      105,024,754    

American Funds(R) Global Growth    2018        48,260              5.21          251,565    
   Division (Commenced             2017        64,628              5.78          373,749    
   10/31/2013 and began            2016       124,565              4.44          552,875    
   transactions in 2016)                                                                    

American Funds(R) Global           2018    10,120,809      3.85 - 45.89      391,323,313    
   Small Capitalization Division   2017    11,417,354      4.37 - 51.69      501,546,451    
                                   2016    12,941,976      3.53 - 41.36      458,931,633    
                                   2015    14,155,887      3.51 - 40.82      497,974,630    
                                   2014    15,709,137      3.56 - 41.02      552,526,997    

American Funds(R) Growth Division  2018     2,922,123     1.79 - 420.04      911,540,508    
                                   2017     3,364,829     1.82 - 424.27    1,071,645,690    
                                   2016     3,811,794     1.44 - 333.19      963,320,699    
                                   2015     4,232,055     1.35 - 306.61      997,764,490    
                                   2014     4,789,973     1.28 - 289.09    1,071,813,826    

American Funds(R) Growth-Income    2018     3,405,907    20.20 - 271.82      704,784,793    
   Division                        2017     3,958,831    20.90 - 278.86      845,856,636    
                                   2016     4,507,518    17.35 - 229.57      798,505,698    
                                   2015     4,944,457    15.81 - 207.40      797,586,116    
                                   2014     5,420,861    15.84 - 205.97      871,662,648    

BHFTI AB Global Dynamic            2018   102,653,570     12.10 - 13.07    1,327,086,693    
   Allocation Division             2017   116,190,138     13.28 - 14.20    1,634,691,183    
                                   2016   127,172,700     11.94 - 12.64    1,594,255,019    
                                   2015   130,172,083     11.77 - 12.33    1,594,775,590    
                                   2014   131,033,623     11.93 - 12.37    1,616,024,275    

BHFTI Allianz Global               2018            --                --               --    
   Investors Dynamic               2017    68,135,638       1.14 - 1.17       79,721,572    
   Multi-Asset Plus Division       2016    72,586,643       1.01 - 1.03       74,463,734    
   (Commenced 04/28/2014 and       2015    56,051,809       1.01 - 1.02       57,080,060    
   closed 4/27/2018)               2014    11,555,790              1.04       12,033,381    

BHFTI American Funds(R)            2018    51,701,013      1.50 - 16.55      773,156,170    
   Balanced Allocation Division    2017    58,085,561      1.59 - 17.34      919,484,643    
                                   2016    62,532,762      1.38 - 14.89      854,544,975    
                                   2015    62,147,594      1.29 - 13.87      802,015,862    
                                   2014    62,423,987      1.32 - 14.01      823,208,734    


                                                    FOR THE YEAR ENDED DECEMBER 31          
                                         ---------------------------------------------------
                                          INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                             INCOME          LOWEST TO          LOWEST TO   
                                            RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                         --------------  ----------------  -----------------
                                                                                            
American Funds(R) Bond Division    2018       2.31         0.50 - 2.15       (2.84) - (1.36)
                                   2017       1.88         0.50 - 2.15           1.31 - 3.00
                                   2016       1.67         0.50 - 2.15           0.60 - 2.28
                                   2015       1.62         0.50 - 2.30       (2.01) - (0.37)
                                   2014       1.87         0.50 - 2.55           2.63 - 4.60

American Funds(R) Global Growth    2018       0.60                0.90                (9.86)
   Division (Commenced             2017       0.53                0.90                 30.30
   10/31/2013 and began            2016       1.37                0.90                (0.28)
   transactions in 2016)                                                                    

American Funds(R) Global           2018       0.08         0.50 - 2.50     (12.77) - (11.13)
   Small Capitalization Division   2017       0.43         0.50 - 2.50         22.80 - 25.08
                                   2016       0.24         0.50 - 2.50         (0.42) - 1.44
                                   2015         --         0.50 - 2.55       (6.41) - (0.38)
                                   2014       0.12         0.50 - 2.55         (0.45) - 1.46

American Funds(R) Growth Division  2018       0.42         0.50 - 2.35       (2.58) - (1.00)
                                   2017       0.49         0.50 - 2.35         25.32 - 27.34
                                   2016       0.76         0.50 - 2.35           6.95 - 8.67
                                   2015       0.58         0.50 - 2.35           4.38 - 6.17
                                   2014       0.77         0.50 - 2.55           5.78 - 7.81

American Funds(R) Growth-Income    2018       1.35         0.50 - 2.35       (4.08) - (2.52)
   Division                        2017       1.36         0.50 - 2.35         19.55 - 21.47
                                   2016       1.46         0.50 - 2.35          8.88 - 10.69
                                   2015       1.28         0.50 - 2.55         (1.10) - 0.80
                                   2014       1.27         0.50 - 2.55           7.85 - 9.92

BHFTI AB Global Dynamic            2018       1.66         1.10 - 2.10       (8.91) - (7.99)
   Allocation Division             2017       1.48         1.10 - 2.10         11.26 - 12.38
                                   2016       1.59         1.10 - 2.10           1.44 - 2.46
                                   2015       3.26         1.10 - 2.10       (1.51) - (0.52)
                                   2014       1.94         1.15 - 2.15           5.06 - 6.12

BHFTI Allianz Global               2018       2.02         1.15 - 2.00       (2.67) - (2.40)
   Investors Dynamic               2017       1.51         1.15 - 2.00         13.21 - 14.17
   Multi-Asset Plus Division       2016       0.05         1.15 - 2.00         (0.02) - 0.83
   (Commenced 04/28/2014 and       2015       1.82         1.15 - 2.00       (2.94) - (2.12)
   closed 4/27/2018)               2014       0.87         1.15 - 2.15           3.84 - 4.55

BHFTI American Funds(R)            2018       1.46         0.50 - 2.10       (6.31) - (4.58)
   Balanced Allocation Division    2017       1.49         0.50 - 2.10         14.44 - 16.44
                                   2016       1.62         0.50 - 2.10           5.57 - 7.34
                                   2015       1.39         0.50 - 2.10       (2.77) - (0.97)
                                   2014       1.26         0.50 - 2.30           3.64 - 5.70

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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                  
                                       ----------------------------------------------    
                                                        UNIT VALUE                       
                                                         LOWEST TO           NET         
                                           UNITS        HIGHEST ($)      ASSETS ($)      
                                       -------------  ---------------  --------------    
                                                                                         
BHFTI American Funds(R)          2018     25,965,628     1.56 - 16.87     403,169,471    
   Growth Allocation Division    2017     28,757,029     1.67 - 17.99     479,556,343    
                                 2016     30,410,462     1.44 - 14.90     423,353,677    
                                 2015     31,243,407     1.33 - 13.75     404,659,720    
                                 2014     32,454,186    12.33 - 13.92     428,719,024    

BHFTI American Funds(R)          2018     16,299,179     1.98 - 20.08     315,250,770    
   Growth Division               2017     20,103,266     2.01 - 20.37     395,973,373    
                                 2016     23,833,859     1.59 - 16.08     371,921,161    
                                 2015     25,483,182     1.47 - 14.88     369,229,553    
                                 2014     27,479,262    12.93 - 13.92     379,282,255    

BHFTI American Funds(R)          2018     54,921,254     1.48 - 15.47     782,649,526    
   Moderate Allocation Division  2017     63,563,450     1.55 - 16.10     949,575,557    
                                 2016     70,805,087     1.38 - 14.32     943,720,963    
                                 2015     73,866,251    11.89 - 13.45     936,586,101    
                                 2014     76,352,619    12.07 - 13.62     987,325,915    

BHFTI AQR Global Risk            2018     91,641,725     9.84 - 11.07   1,003,736,398    
   Balanced Division             2017    104,234,505    10.64 - 11.96   1,234,346,275    
                                 2016    115,858,295     9.81 - 11.01   1,265,046,973    
                                 2015    126,093,556     9.12 - 10.21   1,279,345,923    
                                 2014    138,096,106    10.21 - 11.40   1,568,831,639    

BHFTI BlackRock Global           2018    135,196,017    11.50 - 12.42   1,660,961,194    
   Tactical Strategies Division  2017    151,440,679    12.70 - 13.53   2,029,561,004    
                                 2016    166,138,266    11.44 - 12.07   1,989,443,856    
                                 2015    172,629,165    11.18 - 11.69   2,004,095,320    
                                 2014    173,246,218    11.38 - 11.81   2,038,618,922    

BHFTI BlackRock High Yield       2018         36,446     3.21 - 30.61         389,657    
   Division (Commenced           2017         33,615     3.33 - 31.86         413,602    
   12/13/2013 and began          2016         35,582     3.12 - 29.89         331,029    
   transactions in 2014)         2015         13,360     2.76 - 26.52         172,276    
                                 2014          5,135     2.90 - 27.94          15,808    

BHFTI Brighthouse Asset          2018     10,018,424     1.97 - 36.34     204,491,233    
   Allocation 100 Division       2017     10,787,709     2.14 - 40.84     248,628,040    
                                 2016     11,416,804     1.76 - 33.59     218,682,416    
                                 2015     11,824,914     1.63 - 31.18     214,215,734    
                                 2014     12,211,757     1.68 - 32.14     230,931,939    

BHFTI Brighthouse Balanced       2018    237,803,627    12.98 - 14.07   3,308,331,916    
   Plus Division                 2017    254,482,460    14.31 - 15.35   3,869,437,236    
                                 2016    267,191,129    12.36 - 13.12   3,476,074,955    
                                 2015    269,246,848    11.65 - 12.24   3,272,800,741    
                                 2014    257,684,739    12.41 - 12.88   3,306,532,931    

BHFTI Brighthouse Small Cap      2018        568,395     2.93 - 31.36      15,380,952    
   Value Division                2017        611,465     3.49 - 37.18      19,791,285    
                                 2016        648,258     3.15 - 33.45      18,727,164    
                                 2015        655,473    22.19 - 25.61      15,330,460    
                                 2014        671,658    23.82 - 27.21      16,801,002    


                                                 FOR THE YEAR ENDED DECEMBER 31          
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
BHFTI American Funds(R)          2018      1.21         0.50 - 2.15       (7.78) - (6.24)
   Growth Allocation Division    2017      1.24         0.50 - 2.15         18.77 - 20.74
                                 2016      1.31         0.50 - 2.15           6.64 - 8.42
                                 2015      1.31         0.50 - 2.30       (3.01) - (1.25)
                                 2014      1.02         0.50 - 2.30           3.97 - 5.86

BHFTI American Funds(R)          2018      0.39         0.95 - 2.25       (2.73) - (1.44)
   Growth Division               2017      0.40         0.95 - 2.25         25.06 - 26.70
                                 2016      0.30         0.95 - 2.25           6.67 - 8.07
                                 2015      0.87         0.95 - 2.25           1.83 - 5.33
                                 2014      0.55         1.15 - 2.25           0.53 - 6.95

BHFTI American Funds(R)          2018      1.73         0.50 - 2.10       (5.43) - (3.90)
   Moderate Allocation Division  2017      1.77         0.50 - 2.10         10.62 - 12.40
                                 2016      1.91         0.50 - 2.10           4.79 - 6.48
                                 2015      1.49         0.50 - 2.10       (2.79) - (1.22)
                                 2014      1.45         0.50 - 2.30           3.68 - 5.57

BHFTI AQR Global Risk            2018      0.38         1.10 - 2.05       (8.26) - (7.38)
   Balanced Division             2017      1.71         1.10 - 2.10           7.53 - 8.60
                                 2016        --         1.10 - 2.15           6.64 - 7.77
                                 2015      5.49         1.10 - 2.15      (11.50) - (4.32)
                                 2014        --         1.15 - 2.15           1.79 - 2.81

BHFTI BlackRock Global           2018      1.42         1.10 - 2.10       (9.12) - (8.20)
   Tactical Strategies Division  2017      0.67         1.10 - 2.05         11.02 - 12.07
                                 2016      1.45         1.10 - 2.05           2.31 - 3.29
                                 2015      1.53         1.10 - 2.05       (2.14) - (1.20)
                                 2014      1.12         1.15 - 2.15           3.66 - 4.70

BHFTI BlackRock High Yield       2018      4.97         0.90 - 1.60       (4.42) - (3.46)
   Division (Commenced           2017      5.40         0.90 - 1.60           6.05 - 7.10
   12/13/2013 and began          2016      5.83         0.90 - 1.60         12.17 - 13.24
   transactions in 2014)         2015      5.69         1.10 - 1.60       (5.57) - (4.84)
                                 2014        --         0.90 - 1.15         (1.82) - 2.48

BHFTI Brighthouse Asset          2018      1.12         0.50 - 2.05     (11.90) - (10.52)
   Allocation 100 Division       2017      1.34         0.50 - 2.05         20.45 - 22.32
                                 2016      2.39         0.50 - 2.05           6.77 - 8.43
                                 2015      1.40         0.50 - 2.05       (4.00) - (2.50)
                                 2014      0.81         0.50 - 2.05           2.96 - 4.56

BHFTI Brighthouse Balanced       2018      1.67         1.10 - 2.15       (9.34) - (8.38)
   Plus Division                 2017      1.55         1.10 - 2.15         15.82 - 17.04
                                 2016      2.87         1.10 - 2.15           6.06 - 7.18
                                 2015      2.09         1.10 - 2.15       (6.13) - (5.14)
                                 2014      1.73         1.15 - 2.15           7.32 - 8.39

BHFTI Brighthouse Small Cap      2018      1.04         0.50 - 1.60     (16.59) - (15.66)
   Value Division                2017      0.91         0.50 - 1.55          9.99 - 11.14
                                 2016      1.05         0.50 - 1.55         29.24 - 30.60
                                 2015      0.09         0.50 - 1.55       (6.86) - (5.88)
                                 2014      0.04         0.50 - 1.55           0.15 - 1.21


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                         AS OF DECEMBER 31                  
                                          ----------------------------------------------    
                                                           UNIT VALUE                       
                                                            LOWEST TO           NET         
                                              UNITS        HIGHEST ($)      ASSETS ($)      
                                          ------------  ----------------  --------------    
                                                                                            
BHFTI Brighthouse/Aberdeen          2018     4,595,166      1.12 - 10.81      47,553,441    
   Emerging Markets Equity          2017     4,781,863      1.32 - 12.72      58,423,937    
   Division                         2016     5,375,922      1.03 - 10.01      51,521,589    
                                    2015     5,630,392       7.99 - 9.06      49,518,855    
                                    2014     5,102,751      1.09 - 10.43      52,734,725    

BHFTI Brighthouse/Artisan           2018           208              9.65           2,006    
   International Division           2017           256             10.98           2,810    
   (Commenced 11/19/2014            2016           313              8.47           2,647    
   and began transactions in 2015)  2015           308              9.46           2,913    

BHFTI Brighthouse/Eaton             2018     2,481,218     11.15 - 12.11      29,267,597    
   Vance Floating Rate Division     2017     2,489,148     11.34 - 12.20      29,625,659    
                                    2016     2,268,533     11.17 - 11.90      26,476,747    
                                    2015     1,831,052     10.43 - 11.01      19,924,175    
                                    2014     1,809,222     10.74 - 11.20      20,128,137    

BHFTI Brighthouse/Franklin          2018     7,585,943      9.23 - 10.56      75,568,731    
   Low Duration Total Return        2017     8,361,024      9.56 - 10.57      83,966,094    
   Division                         2016     8,173,168      9.63 - 10.48      82,027,391    
                                    2015     8,644,210      9.52 - 10.22      85,200,113    
                                    2014     9,626,185      9.76 - 10.33      96,688,495    

BHFTI Brighthouse/Templeton         2018       489,079     11.71 - 12.97       6,165,086    
   International Bond Division      2017       589,796     11.83 - 12.96       7,449,814    
                                    2016       610,154     12.06 - 13.07       7,790,764    
                                    2015       611,605     12.19 - 13.08       7,837,819    
                                    2014       617,146     12.98 - 13.62       8,355,488    

BHFTI Brighthouse/Wellington        2018    10,177,126     2.12 - 427.76     636,225,847    
   Large Cap Research Division      2017    11,512,938     2.28 - 455.44     764,291,187    
                                    2016    12,937,320     1.89 - 372.76     703,695,885    
                                    2015    14,241,297    10.89 - 343.28     724,175,878    
                                    2014    15,681,974    10.57 - 327.95     776,280,727    

BHFTI Clarion Global Real           2018     9,504,197      1.93 - 20.43     172,053,744    
   Estate Division                  2017    10,875,352      2.13 - 22.47     218,280,039    
                                    2016    12,014,777      1.94 - 20.39     220,012,334    
                                    2015    12,591,472      1.94 - 20.32     233,288,277    
                                    2014    13,729,569      1.98 - 20.71     260,956,015    

BHFTI ClearBridge Aggressive        2018    24,657,864     1.61 - 362.64     444,649,592    
   Growth Division                  2017    29,749,965     1.75 - 392.14     575,606,365    
                                    2016    34,182,457     1.49 - 332.84     556,843,925    
                                    2015    38,732,875     1.47 - 325.77     615,095,439    
                                    2014    40,881,802     1.55 - 341.18     672,850,047    

BHFTI Fidelity Institutional        2018    36,441,983     10.21 - 10.98     396,922,182    
   Asset Management(R)              2017    41,565,748     10.44 - 11.12     458,735,090    
   Government Income Division       2016    47,006,535     10.39 - 10.99     511,947,386    
                                    2015    46,949,292     10.52 - 10.97     511,078,026    
                                    2014    48,686,003     10.63 - 11.02     534,446,057    


                                                    FOR THE YEAR ENDED DECEMBER 31          
                                          --------------------------------------------------
                                          INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                             INCOME          LOWEST TO          LOWEST TO   
                                            RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                          -------------  ----------------  -----------------
                                                                                            
BHFTI Brighthouse/Aberdeen          2018      2.60         0.90 - 2.25     (16.10) - (14.69)
   Emerging Markets Equity          2017      1.09         0.90 - 2.25         25.48 - 27.44
   Division                         2016      0.97         0.90 - 2.25          9.02 - 10.83
                                    2015      1.79         0.95 - 2.25      (15.73) - (2.68)
                                    2014      0.84         0.90 - 2.25       (8.60) - (7.07)

BHFTI Brighthouse/Artisan           2018      1.22                1.35               (12.11)
   International Division           2017      1.08                1.35                 29.58
   (Commenced 11/19/2014            2016      0.90                1.35               (10.49)
   and began transactions in 2015)  2015      0.74                1.35                (4.78)

BHFTI Brighthouse/Eaton             2018      3.53         1.10 - 2.05       (1.74) - (0.79)
   Vance Floating Rate Division     2017      3.78         1.10 - 2.05           1.58 - 2.55
                                    2016      3.80         1.10 - 2.05           7.05 - 8.07
                                    2015      3.48         1.10 - 2.05       (2.85) - (1.92)
                                    2014      3.50         1.15 - 2.05       (1.31) - (0.42)

BHFTI Brighthouse/Franklin          2018      1.77         0.50 - 2.25       (1.81) - (0.07)
   Low Duration Total Return        2017      1.43         0.50 - 2.00         (0.67) - 0.83
   Division                         2016      2.92         0.50 - 2.00           1.09 - 2.62
                                    2015      3.05         0.50 - 2.00       (2.59) - (0.89)
                                    2014      2.12         0.50 - 2.05         (0.99) - 0.55

BHFTI Brighthouse/Templeton         2018        --         0.95 - 2.00         (1.01) - 0.04
   International Bond Division      2017        --         0.95 - 2.00       (1.84) - (0.80)
                                    2016        --         0.95 - 2.00       (1.12) - (0.08)
                                    2015      8.18         0.95 - 2.00         (6.06) - 0.75
                                    2014      4.57         1.15 - 2.00       (2.25) - (0.02)

BHFTI Brighthouse/Wellington        2018      1.00         0.00 - 2.50       (8.49) - (6.08)
   Large Cap Research Division      2017      1.05         0.00 - 2.50         19.14 - 22.18
                                    2016      2.40         0.00 - 2.50           5.78 - 8.59
                                    2015      0.91       (0.08) - 2.50           2.09 - 4.67
                                    2014      0.91       (0.08) - 2.50         10.89 - 13.87

BHFTI Clarion Global Real           2018      5.96         0.50 - 2.25      (10.69) - (8.95)
   Estate Division                  2017      3.47         0.50 - 2.25          8.29 - 10.26
                                    2016      2.09         0.50 - 2.25         (1.37) - 0.50
                                    2015      3.83         0.50 - 2.25         (3.60) - 3.43
                                    2014      1.60         0.50 - 2.30          1.06 - 12.94

BHFTI ClearBridge Aggressive        2018      0.61         0.50 - 2.25       (9.14) - (7.41)
   Growth Division                  2017      0.75         0.50 - 2.25         15.78 - 17.93
                                    2016      0.43         0.50 - 2.25           0.40 - 2.32
                                    2015      0.25         0.50 - 2.25       (6.17) - (4.43)
                                    2014      0.07         0.50 - 2.30          1.57 - 18.35

BHFTI Fidelity Institutional        2018      2.79         1.15 - 2.10       (2.15) - (1.21)
   Asset Management(R)              2017      2.20         1.15 - 2.10           0.47 - 1.43
   Government Income Division       2016      2.08         1.10 - 2.10         (0.79) - 0.21
                                    2015      2.33         1.10 - 2.00       (1.56) - (0.67)
                                    2014      2.60         1.15 - 2.15           5.27 - 6.33


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                   
                                     ---------------------------------------------     
                                                     UNIT VALUE                        
                                                      LOWEST TO           NET          
                                         UNITS       HIGHEST ($)      ASSETS ($)       
                                     ------------  ---------------  --------------     
                                                                                       
BHFTI Harris Oakmark           2018    15,932,818     2.48 - 29.06     398,451,152     
   International Division      2017    16,803,885     3.29 - 38.42     554,231,973     
                               2016    19,261,195     2.55 - 29.60     494,276,831     
                               2015    20,998,453     2.38 - 27.50     503,695,677     
                               2014    21,821,539     2.51 - 28.95     553,476,475     

BHFTI Invesco Balanced-Risk    2018   401,048,107     1.10 - 11.70     462,317,377     
   Allocation Division         2017   445,688,739      1.19 - 1.25     556,009,732     
                               2016   454,902,610      1.10 - 1.15     522,371,527     
                               2015   436,683,517     1.01 - 10.52     454,441,516     
                               2014   416,774,221      1.08 - 1.10     458,464,882     

BHFTI Invesco Comstock         2018         6,957     1.26 - 18.94          49,587     
   Division (Commenced         2017        10,379     1.45 - 21.80          47,958     
   12/13/2013 and began        2016         7,061     1.24 - 18.67          14,408     
   transactions in 2015)       2015           549    15.67 - 16.10           8,672     

BHFTI Invesco Small Cap        2018     1,509,587     3.17 - 36.68      47,102,731     
   Growth Division             2017     1,615,884     3.53 - 40.53      56,474,486     
                               2016     1,830,196     2.85 - 32.50      51,145,397     
                               2015     1,959,481     2.60 - 29.31      50,546,958     
                               2014     2,037,765     2.68 - 29.97      54,115,294     

BHFTI JPMorgan Core Bond       2018     7,254,348     9.85 - 11.41      81,327,656     
   Division                    2017     8,421,961    10.01 - 11.54      95,678,197     
                               2016     8,737,449     9.84 - 11.30      97,321,513     
                               2015     8,785,778     9.78 - 11.19      97,049,152     
                               2014     8,518,360    10.46 - 11.26      94,969,104     

BHFTI JPMorgan Global          2018   605,342,000     1.23 - 13.14     788,207,295     
   Active Allocation Division  2017   606,636,328     1.35 - 14.32     861,680,922     
                               2016   658,264,125     1.18 - 12.41     811,489,227     
                               2015   631,444,568     1.18 - 12.19     765,909,740     
                               2014   549,720,767      1.19 - 1.22     669,115,337     

BHFTI JPMorgan Small Cap       2018       876,517     2.24 - 21.10      17,643,222     
   Value Division              2017     1,036,634     2.62 - 24.78      24,628,939     
                               2016     1,149,179     2.55 - 24.25      26,497,515     
                               2015     1,050,675     1.97 - 18.69      19,373,472     
                               2014     1,047,237    18.72 - 20.42      21,130,600     

BHFTI Loomis Sayles Global     2018     4,983,673     1.73 - 20.87      98,196,428     
   Markets Division            2017     5,880,789     1.85 - 22.30     124,432,486     
                               2016     6,761,244     1.53 - 18.33     117,860,066     
                               2015     6,737,799     1.48 - 17.69     114,155,824     
                               2014     7,240,094     1.48 - 17.59     122,949,006     

BHFTI MetLife Multi-Index      2018   638,887,551     1.22 - 12.95     820,528,591     
   Targeted Risk Division      2017   689,687,735     1.34 - 14.11     966,194,514     
                               2016   733,282,833     1.18 - 12.35     900,136,783     
                               2015   650,031,968     1.16 - 11.96     774,094,507     
                               2014   412,273,295      1.20 - 1.22     503,156,737     


                                               FOR THE YEAR ENDED DECEMBER 31          
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
BHFTI Harris Oakmark           2018      1.72         0.50 - 2.25     (25.67) - (24.23)
   International Division      2017      1.64         0.50 - 2.25         27.54 - 29.94
                               2016      2.14         0.50 - 2.25           5.77 - 7.73
                               2015      3.00         0.50 - 2.25       (6.65) - (3.85)
                               2014      2.40         0.50 - 2.30       (7.93) - (6.13)

BHFTI Invesco Balanced-Risk    2018      1.17         1.10 - 2.00       (8.30) - (7.46)
   Allocation Division         2017      3.73         1.15 - 2.10           7.72 - 8.75
                               2016      0.15         1.15 - 2.10          9.40 - 10.44
                               2015      2.77         1.10 - 2.10       (6.20) - (5.25)
                               2014        --         1.15 - 2.10           3.39 - 4.37

BHFTI Invesco Comstock         2018      0.65         0.90 - 1.35     (13.34) - (12.95)
   Division (Commenced         2017      2.63         0.90 - 1.35         16.44 - 16.97
   12/13/2013 and began        2016      2.45         0.90 - 1.35         15.73 - 16.25
   transactions in 2015)       2015      1.42         1.10 - 1.35       (7.23) - (7.00)

BHFTI Invesco Small Cap        2018        --         0.50 - 2.25      (11.08) - (9.50)
   Growth Division             2017        --         0.50 - 2.15         22.78 - 24.71
                               2016        --         0.50 - 2.25          8.96 - 10.88
                               2015        --         0.50 - 2.25       (3.90) - (2.20)
                               2014        --         0.50 - 2.30           5.46 - 7.37

BHFTI JPMorgan Core Bond       2018      2.73         1.10 - 2.05       (2.02) - (1.08)
   Division                    2017      2.47         1.10 - 2.05           1.22 - 2.18
                               2016      2.82         1.10 - 2.25         (0.04) - 1.11
                               2015      2.31         1.10 - 2.25       (1.75) - (0.62)
                               2014      1.47         1.15 - 2.25           2.75 - 3.89

BHFTI JPMorgan Global          2018      1.62         1.10 - 2.05       (9.08) - (8.21)
   Active Allocation Division  2017      2.54         1.10 - 2.10         14.24 - 15.38
                               2016      2.12         1.10 - 2.10           0.76 - 1.78
                               2015      2.69         1.10 - 2.10       (1.20) - (0.21)
                               2014      1.11         1.15 - 2.10           4.75 - 5.75

BHFTI JPMorgan Small Cap       2018      1.08         0.90 - 2.05     (15.67) - (14.54)
   Value Division              2017      1.13         0.90 - 2.05           1.22 - 2.70
                               2016      1.60         0.90 - 2.05         27.86 - 29.68
                               2015      1.12         0.90 - 2.05       (9.31) - (8.08)
                               2014      0.86         1.15 - 2.05           2.25 - 3.18

BHFTI Loomis Sayles Global     2018      1.86         0.50 - 2.25       (7.50) - (5.86)
   Markets Division            2017      1.39         0.50 - 2.25         20.24 - 22.36
                               2016      1.68         0.50 - 2.25           2.45 - 4.25
                               2015      1.58         0.50 - 2.25         (1.02) - 0.72
                               2014      2.10         0.50 - 2.25           1.17 - 2.95

BHFTI MetLife Multi-Index      2018      1.75         0.90 - 2.10       (9.12) - (8.02)
   Targeted Risk Division      2017      1.47         0.90 - 2.10         13.15 - 14.51
                               2016      1.32         0.90 - 2.10           2.19 - 3.43
                               2015      1.20         1.10 - 2.10       (3.26) - (2.29)
                               2014        --         1.15 - 2.10           6.99 - 8.01


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                   
                                    ---------------------------------------------     
                                                    UNIT VALUE                        
                                                     LOWEST TO           NET          
                                        UNITS       HIGHEST ($)      ASSETS ($)       
                                    ------------  ---------------  --------------     
                                                                                      
BHFTI MFS(R) Research         2018    10,106,842     1.64 - 18.92     153,947,912     
   International Division     2017    11,333,543     1.94 - 22.16     202,267,389     
                              2016    13,120,940     1.53 - 17.41     185,265,721     
                              2015    14,035,549     1.57 - 17.69     201,136,412     
                              2014    15,153,081     1.62 - 18.13     221,624,094     

BHFTI Morgan Stanley Mid      2018    12,304,050     2.59 - 31.15     340,007,433     
   Cap Growth Division        2017    13,380,312     2.38 - 28.42     339,623,699     
                              2016    14,691,729     1.72 - 20.41     269,357,054     
                              2015    15,711,674     1.91 - 22.41     318,386,768     
                              2014    17,054,063     2.04 - 23.71     367,615,842     

BHFTI Oppenheimer Global      2018    16,358,866     1.25 - 34.80     226,269,164     
   Equity Division            2017    15,776,074     1.44 - 40.36     282,853,081     
                              2016    16,415,762     1.07 - 29.72     240,714,689     
                              2015    15,876,834     1.08 - 29.85     268,477,388     
                              2014    14,055,032     1.17 - 28.93     271,471,540     

BHFTI PanAgora Global         2018    67,228,731      1.04 - 1.08      72,446,308     
   Diversified Risk Division  2017    80,775,666      1.15 - 1.19      95,392,815     
   (Commenced 4/28/2014)      2016    74,593,960      1.04 - 1.06      79,219,064     
                              2015    27,943,566      0.96 - 0.97      27,029,557     
                              2014     6,388,541      1.03 - 1.04       6,621,678     

BHFTI PIMCO Inflation         2018    23,939,621     0.99 - 16.77     349,179,155     
   Protected Bond Division    2017    28,145,710     1.02 - 17.24     425,983,675     
                              2016    29,444,296     1.00 - 16.72     435,880,990     
                              2015    31,458,298    12.65 - 16.00     451,404,388     
                              2014    34,187,129     0.99 - 16.59     512,607,268     

BHFTI PIMCO Total Return      2018    41,842,651     1.82 - 21.21     757,914,158     
   Division                   2017    49,441,770     1.85 - 21.36     908,315,454     
                              2016    52,424,443     1.80 - 20.54     925,935,319     
                              2015    56,338,885     1.77 - 20.12     994,182,970     
                              2014    61,356,539     1.80 - 20.22   1,090,762,284     

BHFTI Schroders Global        2018   601,844,418     1.21 - 12.91     768,330,201     
   Multi-Asset Division       2017   395,258,412     1.36 - 14.41     564,139,933     
                              2016   424,763,788     1.21 - 12.75     537,033,268     
                              2015   411,432,972     1.17 - 12.20     498,402,470     
                              2014   344,932,808      1.21 - 1.24     426,762,086     

BHFTI Schroders Global        2018            --               --              --     
   Multi-Asset II Division    2017    31,603,768     1.36 - 13.47     422,442,899     
   (Closed 4/27/2018)         2016    32,392,292     1.18 - 11.70     376,214,055     
                              2015    27,478,865    11.04 - 11.31     309,530,805     
                              2014    11,024,305     1.16 - 11.57     127,322,331     

BHFTI SSGA Growth and         2018    41,641,734    14.57 - 18.01     680,006,923     
   Income ETF Division        2017    49,193,853    15.92 - 19.37     869,542,351     
                              2016    55,792,678    14.03 - 16.80     861,727,162     
                              2015    59,547,628    13.54 - 15.96     880,260,118     
                              2014    62,846,863    14.11 - 16.36     959,208,935     


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                       INCOME          LOWEST TO          LOWEST TO   
                                      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                    -------------  ----------------  -----------------
                                                                                      
BHFTI MFS(R) Research         2018      2.02         0.50 - 2.25     (15.92) - (14.43)
   International Division     2017      1.80         0.50 - 2.15         25.62 - 27.52
                              2016      2.07         0.50 - 2.15       (2.89) - (1.37)
                              2015      2.78         0.50 - 2.15       (3.85) - (2.26)
                              2014      2.29         0.50 - 2.15       (8.84) - (7.41)

BHFTI Morgan Stanley Mid      2018        --         0.50 - 2.25           7.69 - 9.60
   Cap Growth Division        2017      0.30         0.50 - 2.25         36.81 - 39.22
                              2016        --         0.50 - 2.25      (10.50) - (8.92)
                              2015        --         0.50 - 2.30       (7.18) - (5.50)
                              2014      0.04         0.50 - 2.30         (1.37) - 0.51

BHFTI Oppenheimer Global      2018      1.10         0.50 - 2.15     (14.96) - (13.53)
   Equity Division            2017      0.99         0.50 - 2.15         33.90 - 36.24
                              2016      1.03         0.50 - 2.15       (1.85) - (0.16)
                              2015      1.04         0.50 - 2.15         (1.43) - 3.50
                              2014      0.91         0.50 - 2.30         (0.28) - 1.75

BHFTI PanAgora Global         2018        --         1.15 - 2.00       (9.43) - (8.65)
   Diversified Risk Division  2017        --         1.15 - 2.00         10.37 - 11.31
   (Commenced 4/28/2014)      2016      2.54         1.15 - 2.00           8.92 - 9.85
                              2015      0.59         1.15 - 2.00       (7.35) - (6.56)
                              2014      0.51         1.15 - 2.00           3.16 - 3.75

BHFTI PIMCO Inflation         2018      1.60         0.50 - 2.25       (4.59) - (2.76)
   Protected Bond Division    2017      1.56         0.50 - 2.25           1.17 - 3.14
                              2016        --         0.50 - 2.25           2.65 - 4.49
                              2015      4.92         0.50 - 2.25       (5.27) - (1.92)
                              2014      1.55         0.50 - 2.30         (1.54) - 2.51

BHFTI PIMCO Total Return      2018      1.39         0.50 - 2.25       (2.46) - (0.62)
   Division                   2017      1.78         0.50 - 2.25           2.18 - 4.10
                              2016      2.59         0.50 - 2.25           0.33 - 2.18
                              2015      5.31         0.50 - 2.25       (2.22) - (0.36)
                              2014      2.35         0.50 - 2.30           0.46 - 3.82

BHFTI Schroders Global        2018      1.66         0.90 - 2.10      (11.32) - (6.23)
   Multi-Asset Division       2017      0.79         1.10 - 2.10         11.93 - 13.05
                              2016      1.41         1.10 - 2.15           3.41 - 4.50
                              2015      1.00         1.10 - 2.15       (2.99) - (1.96)
                              2014      1.29         1.15 - 2.15           5.45 - 6.51

BHFTI Schroders Global        2018      1.71         1.10 - 2.00       (4.55) - (4.26)
   Multi-Asset II Division    2017      1.02         0.90 - 2.10         14.06 - 15.43
   (Closed 4/27/2018)         2016      0.76         0.90 - 2.00           2.50 - 3.63
                              2015      0.68         1.10 - 2.00       (3.21) - (2.33)
                              2014        --         0.90 - 2.00           6.49 - 7.67

BHFTI SSGA Growth and         2018      2.33         0.50 - 2.10       (8.47) - (6.99)
   Income ETF Division        2017      2.43         0.50 - 2.10         13.46 - 15.28
                              2016      2.36         0.50 - 2.10           3.59 - 5.26
                              2015      2.30         0.50 - 2.10       (4.00) - (2.45)
                              2014      2.23         0.50 - 2.10           0.03 - 5.28


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                         AS OF DECEMBER 31                   
                                          -----------------------------------------------    
                                                           UNIT VALUE                        
                                                            LOWEST TO           NET          
                                              UNITS        HIGHEST ($)      ASSETS ($)       
                                          ------------  ----------------  ---------------    
                                                                                             
BHFTI SSGA Growth ETF               2018     7,753,198     14.65 - 18.11      127,430,864    
   Division                         2017     8,624,728     16.40 - 19.95      157,056,020    
                                    2016     9,414,590     14.15 - 16.76      145,066,205    
                                    2015    10,147,586     13.51 - 15.76      148,082,202    
                                    2014    10,488,338     13.72 - 16.21      158,546,674    

BHFTI T. Rowe Price Large           2018        20,996     10.02 - 94.56          409,218    
   Cap Value Division               2017        23,096    11.13 - 105.25          578,718    
   (Commenced 12/13/2013            2016        22,303      9.61 - 90.99          441,526    
   and began transactions in 2015)  2015         1,871     69.65 - 79.35          137,796    

BHFTI T. Rowe Price Mid Cap         2018    19,059,742      2.25 - 39.81      430,092,959    
   Growth Division                  2017    21,768,491      2.33 - 41.02      506,160,540    
                                    2016    23,983,678      1.90 - 33.09      451,415,560    
                                    2015    25,470,150      1.81 - 31.36      456,943,184    
                                    2014    25,170,863      1.72 - 29.62      425,918,797    

BHFTI TCW Core Fixed Income         2018        23,865      9.95 - 10.01          238,242    
   Division (Commenced 5/1/2015)    2017        25,274     10.02 - 10.12          255,408    
                                    2016        31,998       9.90 - 9.97          318,472    
                                    2015         2,096              9.86           20,663    

BHFTI Victory Sycamore Mid          2018     9,098,703      3.57 - 42.40      327,214,056    
   Cap Value Division               2017    10,507,414      4.03 - 47.43      424,806,982    
                                    2016    11,613,954      3.73 - 43.54      432,480,626    
                                    2015    12,869,603      3.27 - 37.88      422,756,206    
                                    2014    13,839,475      3.65 - 41.83      504,220,570    

BHFTI Wells Capital                 2018        12,534     22.14 - 23.82          289,513    
   Management Mid Cap Value         2017        12,681     25.94 - 27.78          342,503    
   Division (Commenced              2016        13,137     23.79 - 25.35          324,307    
   11/19/2014 and began             2015         7,543     21.36 - 22.65          166,859    
   transactions in 2015)                                                                     

BHFTII Baillie Gifford              2018     6,925,281      1.60 - 19.47      106,646,276    
   International Stock Division     2017     7,456,089      1.96 - 23.68      139,877,341    
                                    2016     8,556,834      1.47 - 17.69      120,269,128    
                                    2015     9,402,801      1.41 - 16.94      126,876,615    
                                    2014    10,404,687      1.46 - 17.45      143,934,419    

BHFTII BlackRock Bond               2018     8,252,602      6.74 - 83.47      391,693,026    
   Income Division                  2017     9,495,090      6.86 - 84.41      455,410,535    
                                    2016    10,189,467      6.68 - 81.69      470,040,574    
                                    2015    10,737,933      6.57 - 79.81      478,889,253    
                                    2014    11,340,124      6.62 - 79.94      498,013,818    

BHFTII BlackRock Capital            2018     4,857,860      6.61 - 76.69      170,334,155    
   Appreciation Division            2017     5,314,588      6.54 - 75.43      187,945,552    
                                    2016     5,990,155      4.95 - 56.76      162,149,281    
                                    2015     6,648,572      5.01 - 57.13      180,849,248    
                                    2014     7,221,426      4.78 - 54.16      184,744,024    


                                                     FOR THE YEAR ENDED DECEMBER 31          
                                          ---------------------------------------------------
                                           INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                              INCOME          LOWEST TO          LOWEST TO   
                                             RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                          --------------  ----------------  -----------------
                                                                                             
BHFTI SSGA Growth ETF               2018       2.02         0.50 - 2.10      (10.65) - (9.20)
   Division                         2017       2.09         0.50 - 2.10         17.16 - 19.04
                                    2016       2.15         0.50 - 2.00           4.76 - 6.35
                                    2015       1.99         0.50 - 2.00       (4.25) - (2.80)
                                    2014       1.90         0.50 - 2.30           2.98 - 4.85

BHFTI T. Rowe Price Large           2018       1.80         0.90 - 1.60      (10.61) - (9.98)
   Cap Value Division               2017       2.07         0.90 - 1.60         15.10 - 15.90
   (Commenced 12/13/2013            2016       2.66         0.90 - 1.60         14.10 - 14.90
   and began transactions in 2015)  2015       0.63         1.10 - 1.60       (5.12) - (4.64)

BHFTI T. Rowe Price Mid Cap         2018         --         0.50 - 2.25       (4.38) - (2.68)
   Growth Division                  2017         --         0.50 - 2.25         21.98 - 24.12
                                    2016         --         0.50 - 2.25           3.85 - 5.69
                                    2015         --         0.50 - 2.25           4.30 - 6.14
                                    2014         --         0.50 - 2.25         10.27 - 12.21

BHFTI TCW Core Fixed Income         2018       2.32         1.20 - 1.35       (1.28) - (1.13)
   Division (Commenced 5/1/2015)    2017       1.60         1.20 - 1.60           1.19 - 1.59
                                    2016       0.70         1.20 - 1.60           0.59 - 0.99
                                    2015         --                1.35                (1.39)

BHFTI Victory Sycamore Mid          2018       0.64         0.50 - 2.25     (12.16) - (10.60)
   Cap Value Division               2017       0.99         0.50 - 2.25           7.05 - 8.93
                                    2016       0.71         0.50 - 2.25         12.93 - 14.93
                                    2015       0.54         0.50 - 2.30      (11.05) - (6.69)
                                    2014       0.55         0.50 - 2.30           7.15 - 9.10

BHFTI Wells Capital                 2018       0.97         1.10 - 1.60     (14.68) - (14.24)
   Management Mid Cap Value         2017       1.05         1.10 - 1.60           9.04 - 9.58
   Division (Commenced              2016       0.87         1.10 - 1.60         11.39 - 11.95
   11/19/2014 and began             2015       0.46         1.10 - 1.60     (10.56) - (10.11)
   transactions in 2015)                                                                     

BHFTII Baillie Gifford              2018       1.06         0.95 - 2.25     (19.05) - (17.80)
   International Stock Division     2017       1.13         0.95 - 2.25         31.90 - 33.88
                                    2016       1.51         0.95 - 2.15           2.97 - 4.39
                                    2015       1.59         0.95 - 2.15       (4.23) - (2.89)
                                    2014       1.35         0.95 - 2.30       (5.54) - (3.99)

BHFTII BlackRock Bond               2018       3.25         0.50 - 2.25       (2.84) - (1.00)
   Income Division                  2017       2.99         0.50 - 2.25           1.54 - 3.43
                                    2016       3.06         0.50 - 2.25           0.58 - 2.46
                                    2015       3.72         0.50 - 2.25       (1.89) - (0.06)
                                    2014       3.31         0.50 - 2.30           4.38 - 6.39

BHFTII BlackRock Capital            2018       0.01         0.50 - 2.25         (0.11) - 1.76
   Appreciation Division            2017       0.01         0.50 - 2.25         30.61 - 33.07
                                    2016         --         0.50 - 2.25       (2.37) - (0.56)
                                    2015         --         0.50 - 2.25           0.67 - 5.59
                                    2014       0.01         0.50 - 2.30           6.17 - 8.19


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                   
                                      ---------------------------------------------     
                                                      UNIT VALUE                        
                                                       LOWEST TO           NET          
                                          UNITS       HIGHEST ($)      ASSETS ($)       
                                      ------------  ---------------  --------------     
                                                                                        
BHFTII BlackRock                2018     3,622,610     2.33 - 24.87     50,362,897      
   Ultra-Short Term Bond        2017     4,077,356     2.32 - 24.72     56,416,026      
   Division                     2016     4,242,132     2.33 - 24.80     60,125,414      
                                2015     5,220,428     2.35 - 25.01     65,638,458      
                                2014     5,502,759     2.39 - 24.09     70,377,934      

BHFTII Brighthouse Asset        2018    22,770,094     1.57 - 16.54    335,855,273      
   Allocation 20 Division       2017    26,632,640     1.62 - 17.07    409,028,440      
                                2016    30,580,692     1.53 - 16.04    445,624,899      
                                2015    33,195,826    12.79 - 15.42    471,604,392      
                                2014    36,038,394     1.50 - 15.59    521,380,178      

BHFTII Brighthouse Asset        2018    57,833,464     1.69 - 17.89    925,660,947      
   Allocation 40 Division       2017    68,087,417     1.73 - 18.81  1,155,673,990      
                                2016    78,507,145     1.63 - 17.09  1,211,312,236      
                                2015    85,328,132    13.43 - 16.19  1,274,255,459      
                                2014    93,519,497     1.58 - 16.45  1,428,984,290      

BHFTII Brighthouse Asset        2018   183,867,868     1.80 - 19.05  3,131,421,270      
   Allocation 60 Division       2017   213,872,364     1.88 - 20.40  3,928,953,268      
                                2016   240,019,648     1.71 - 17.87  3,877,916,522      
                                2015   257,093,725    14.06 - 16.77  3,978,556,726      
                                2014   275,213,574    14.34 - 17.07  4,365,939,925      

BHFTII Brighthouse Asset        2018    85,633,821     1.89 - 19.93  1,533,821,665      
   Allocation 80 Division       2017    98,239,149     2.01 - 21.80  1,933,591,736      
                                2016   108,427,987     1.70 - 18.39  1,808,886,432      
                                2015   116,127,054     1.59 - 17.09  1,834,003,576      
                                2014   124,402,568     1.64 - 17.47  2,021,856,411      

BHFTII Brighthouse/Artisan      2018     4,305,631     5.20 - 60.16    171,734,105      
   Mid Cap Value Division       2017     4,884,190     6.07 - 69.84    226,673,877      
                                2016     5,613,562     5.45 - 62.37    233,427,628      
                                2015     5,928,571     4.50 - 51.10    200,994,480      
                                2014     6,662,445     5.03 - 56.86    249,301,841      

BHFTII Brighthouse/Dimensional  2018       342,338    19.67 - 21.67      7,285,386      
   International Small Company  2017       353,646    25.40 - 27.58      9,595,917      
   Division                     2016       396,617    19.78 - 21.38      8,357,661      
                                2015       383,113    19.08 - 20.42      7,726,121      
                                2014       366,933    18.41 - 19.47      7,087,460      

BHFTII Brighthouse/Wellington   2018     9,307,629     1.40 - 84.26    521,756,898      
   Balanced Division            2017    10,336,562     1.47 - 88.39    610,158,972      
                                2016    11,309,419     1.30 - 77.49    587,936,841      
                                2015    12,350,663     1.23 - 73.12    613,073,212      
                                2014    13,516,189     1.22 - 71.96    669,398,262      

BHFTII Brighthouse/Wellington   2018     9,569,314     6.51 - 75.31    471,467,558      
   Core Equity Opportunities    2017    11,256,241     6.60 - 75.96    570,742,746      
   Division                     2016    12,871,913     5.62 - 64.26    555,287,850      
                                2015    14,083,686     5.31 - 60.32    568,631,560      
                                2014    15,922,638     5.25 - 59.35    633,127,551      


                                                FOR THE YEAR ENDED DECEMBER 31          
                                      --------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                         INCOME          LOWEST TO          LOWEST TO   
                                        RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                      -------------  ----------------  -----------------
                                                                                        
BHFTII BlackRock                2018      0.78         0.90 - 2.15         (0.52) - 0.89
   Ultra-Short Term Bond        2017      0.11         0.90 - 2.15       (1.40) - (0.01)
   Division                     2016      0.01         0.90 - 2.25       (2.03) - (0.55)
                                2015        --         0.95 - 2.25       (2.23) - (0.27)
                                2014        --         0.95 - 2.25       (2.23) - (0.13)

BHFTII Brighthouse Asset        2018      2.19         0.50 - 2.25       (4.79) - (3.10)
   Allocation 20 Division       2017      2.08         0.50 - 2.25           4.56 - 6.40
                                2016      3.24         0.50 - 2.25           2.20 - 4.01
                                2015      2.10         0.50 - 2.25       (2.80) - (1.08)
                                2014      3.87         0.50 - 2.25           2.15 - 3.95

BHFTII Brighthouse Asset        2018      2.01         0.50 - 2.25       (6.54) - (4.88)
   Allocation 40 Division       2017      1.98         0.50 - 2.25          8.19 - 10.09
                                2016      3.56         0.50 - 2.25           3.73 - 5.56
                                2015      0.29         0.50 - 2.25       (3.27) - (1.57)
                                2014      2.88         0.50 - 2.30           2.54 - 4.40

BHFTII Brighthouse Asset        2018      1.66         0.50 - 2.15       (8.13) - (6.60)
   Allocation 60 Division       2017      1.74         0.50 - 2.15         12.30 - 14.16
                                2016      3.16         0.50 - 2.15           4.83 - 6.57
                                2015      0.54         0.50 - 2.15       (3.37) - (0.74)
                                2014      2.07         0.50 - 2.30           2.66 - 4.53

BHFTII Brighthouse Asset        2018      1.33         0.50 - 2.25      (10.17) - (8.57)
   Allocation 80 Division       2017      1.56         0.50 - 2.25         16.52 - 18.57
                                2016      2.97         0.50 - 2.25           5.73 - 7.60
                                2015      0.35         0.50 - 2.30       (3.93) - (0.91)
                                2014      1.60         0.50 - 2.30         (0.03) - 4.70

BHFTII Brighthouse/Artisan      2018      0.49         0.50 - 2.25     (15.36) - (13.85)
   Mid Cap Value Division       2017      0.58         0.50 - 2.25         10.04 - 11.98
                                2016      0.97         0.50 - 2.25         19.92 - 22.04
                                2015      1.04         0.50 - 2.25     (11.68) - (10.12)
                                2014      0.62         0.50 - 2.30         (0.64) - 1.17

BHFTII Brighthouse/Dimensional  2018      2.54         1.10 - 2.05     (22.18) - (21.44)
   International Small Company  2017      1.96         1.10 - 2.00         27.87 - 29.02
   Division                     2016      1.94         1.10 - 2.05           3.68 - 4.67
                                2015      1.71         1.10 - 2.05           3.61 - 4.60
                                2014      1.89         1.15 - 2.05       (8.59) - (7.76)

BHFTII Brighthouse/Wellington   2018      1.73         0.90 - 2.15       (5.93) - (4.63)
   Balanced Division            2017      1.88         0.90 - 2.15         12.52 - 14.11
                                2016      2.73         0.90 - 2.15           4.55 - 6.04
                                2015      1.92         0.95 - 2.15           0.22 - 1.61
                                2014      1.98         0.90 - 2.30           7.77 - 9.56

BHFTII Brighthouse/Wellington   2018      1.58         0.50 - 2.25       (2.58) - (0.74)
   Core Equity Opportunities    2017      1.39         0.50 - 2.25         16.17 - 18.30
   Division                     2016      1.45         0.50 - 2.25           4.67 - 6.65
                                2015      1.59         0.50 - 2.30         (0.18) - 4.02
                                2014      0.53         0.50 - 2.30           7.84 - 9.92


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                   
                                      ---------------------------------------------     
                                                      UNIT VALUE                        
                                                       LOWEST TO           NET          
                                          UNITS       HIGHEST ($)      ASSETS ($)       
                                      ------------  ---------------  --------------     
                                                                                        
BHFTII Frontier Mid Cap         2018     6,195,073    9.78 - 102.24    422,776,437      
   Growth Division              2017     6,921,843   10.48 - 109.39    508,449,789      
                                2016     7,660,214     8.45 - 88.16    455,250,831      
                                2015     8,386,483    20.77 - 84.44    481,166,004      
                                2014     9,158,445    20.50 - 82.85    516,959,626      

BHFTII Jennison Growth          2018    13,877,939     1.26 - 32.84    185,385,848      
   Division                     2017    14,946,828     1.27 - 33.03    203,130,928      
                                2016    16,378,562     0.94 - 24.28    166,434,950      
                                2015    17,957,908     0.95 - 24.47    184,782,553      
                                2014    18,673,248     0.87 - 22.30    174,229,733      

BHFTII Loomis Sayles Small      2018     3,400,873     6.81 - 79.40    144,075,649      
   Cap Core Division            2017     3,862,700     7.77 - 89.96    185,343,480      
                                2016     4,342,911     6.83 - 78.65    181,016,875      
                                2015     4,874,168     5.81 - 66.44    170,029,570      
                                2014     5,539,839     5.97 - 67.95    192,412,320      

BHFTII Loomis Sayles Small      2018     2,501,161     2.25 - 28.26     54,202,419      
   Cap Growth Division          2017     2,468,467     2.28 - 28.37     54,566,730      
                                2016     2,721,567     1.82 - 22.54     48,392,379      
                                2015     3,053,307     1.74 - 21.43     51,758,280      
                                2014     3,266,827     1.74 - 21.26     54,772,060      

BHFTII MetLife Aggregate        2018    56,750,323     1.68 - 19.93    974,062,147      
   Bond Index Division          2017    64,574,871     1.71 - 20.12  1,126,629,342      
                                2016    67,082,177     1.68 - 19.64  1,148,709,486      
                                2015    68,245,879     1.67 - 19.32  1,156,862,410      
                                2014    70,177,534     1.69 - 19.40  1,201,918,831      

BHFTII MetLife Mid Cap          2018    14,264,640     3.13 - 36.63    453,810,251      
   Stock Index Division         2017    16,065,965     3.58 - 41.60    580,186,948      
                                2016    17,710,513     3.14 - 36.16    557,664,712      
                                2015    19,052,817     2.65 - 30.25    508,407,680      
                                2014    19,927,953     2.76 - 31.22    550,797,141      

BHFTII MetLife MSCI EAFE(R)     2018    28,690,901     1.45 - 19.86    424,811,670      
   Index Division               2017    30,129,062     1.71 - 23.29    524,736,160      
                                2016    34,611,269     1.39 - 18.82    489,403,933      
                                2015    34,877,903     1.40 - 18.91    494,277,850      
                                2014    35,284,954     1.43 - 19.14    511,371,706      

BHFTII MetLife Russell 2000(R)  2018     9,453,823     3.07 - 36.49    297,512,830      
   Index Division               2017    10,459,851     3.51 - 41.29    373,905,362      
                                2016    11,262,895     3.11 - 36.28    355,330,009      
                                2015    12,012,694     2.60 - 30.14    318,122,044      
                                2014    12,545,618     2.76 - 31.71    349,277,094      

BHFTII MetLife Stock Index      2018    33,091,820    7.93 - 101.14  2,669,705,723      
   Division                     2017    37,306,057    8.44 - 106.81  3,191,113,485      
                                2016    41,650,103     7.06 - 88.55  2,971,460,417      
                                2015    45,195,410     6.42 - 79.90  2,922,726,168      
                                2014    48,564,594     6.45 - 79.57  3,141,402,122      


                                                FOR THE YEAR ENDED DECEMBER 31          
                                      --------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                         INCOME          LOWEST TO          LOWEST TO   
                                        RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                      -------------  ----------------  -----------------
                                                                                        
BHFTII Frontier Mid Cap         2018        --         0.90 - 2.25       (8.01) - (6.54)
   Growth Division              2017        --         0.90 - 2.25         22.16 - 24.09
                                2016        --         0.90 - 2.25           2.82 - 4.41
                                2015        --         0.95 - 2.25           0.32 - 1.91
                                2014        --         0.95 - 2.30          8.35 - 10.17

BHFTII Jennison Growth          2018      0.17         0.50 - 2.25       (2.13) - (0.39)
   Division                     2017      0.13         0.50 - 2.25         33.95 - 36.31
                                2016      0.07         0.50 - 2.25       (2.35) - (0.63)
                                2015      0.06         0.50 - 2.25           8.08 - 9.99
                                2014      0.07         0.50 - 2.25           6.32 - 8.20

BHFTII Loomis Sayles Small      2018      0.01         0.50 - 2.25     (13.28) - (11.74)
   Cap Core Division            2017      0.14         0.50 - 2.25         12.41 - 14.39
                                2016      0.15         0.50 - 2.25         16.33 - 18.38
                                2015      0.05         0.50 - 2.25       (3.93) - (2.23)
                                2014      0.01         0.50 - 2.30           1.15 - 2.99

BHFTII Loomis Sayles Small      2018        --         0.50 - 2.15       (1.82) - (0.22)
   Cap Growth Division          2017        --         0.50 - 2.15         24.05 - 26.05
                                2016        --         0.50 - 2.10           3.95 - 5.52
                                2015        --         0.50 - 2.10         (0.56) - 0.92
                                2014        --         0.50 - 2.10         (1.11) - 0.43

BHFTII MetLife Aggregate        2018      2.86         0.50 - 2.25       (2.68) - (0.82)
   Bond Index Division          2017      2.75         0.50 - 2.25           0.68 - 2.60
                                2016      2.62         0.50 - 2.25         (0.13) - 1.69
                                2015      2.76         0.50 - 2.25       (2.14) - (0.39)
                                2014      2.82         0.50 - 2.30           0.57 - 5.12

BHFTII MetLife Mid Cap          2018      1.09         0.50 - 2.25     (13.49) - (11.95)
   Stock Index Division         2017      1.22         0.50 - 2.25         13.06 - 15.05
                                2016      1.11         0.50 - 2.25         17.47 - 19.54
                                2015      1.00         0.50 - 2.25       (4.79) - (2.52)
                                2014      0.89         0.50 - 2.30           1.63 - 8.68

BHFTII MetLife MSCI EAFE(R)     2018      2.83         0.50 - 2.25     (16.00) - (14.51)
   Index Division               2017      2.57         0.50 - 2.25         21.84 - 23.99
                                2016      2.46         0.50 - 2.25         (1.25) - 0.50
                                2015      3.03         0.50 - 2.30       (3.52) - (1.36)
                                2014      2.39         0.50 - 2.30       (8.40) - (2.81)

BHFTII MetLife Russell 2000(R)  2018      0.98         0.50 - 2.25     (13.17) - (11.63)
   Index Division               2017      1.09         0.50 - 2.25         11.85 - 13.82
                                2016      1.24         0.50 - 2.25         18.27 - 20.36
                                2015      1.07         0.50 - 2.30       (6.66) - (3.68)
                                2014      1.02         0.50 - 2.30           2.40 - 4.36

BHFTII MetLife Stock Index      2018      1.71         0.50 - 2.25       (6.96) - (5.22)
   Division                     2017      1.68         0.50 - 2.25         18.54 - 20.76
                                2016      1.91         0.50 - 2.25          8.90 - 10.95
                                2015      1.65         0.50 - 2.25         (1.33) - 2.90
                                2014      1.60         0.50 - 2.30          0.90 - 12.63


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                   
                                      ---------------------------------------------     
                                                      UNIT VALUE                        
                                                       LOWEST TO           NET          
                                          UNITS       HIGHEST ($)      ASSETS ($)       
                                      ------------  ---------------  --------------     
                                                                                        
BHFTII MFS(R) Total Return      2018     3,322,036     1.22 - 88.58    117,516,215      
   Division                     2017     3,778,366     1.31 - 94.51    145,097,990      
                                2016     4,213,037     1.18 - 84.68    146,385,435      
                                2015     4,556,651     6.64 - 78.13    143,114,163      
                                2014     5,012,826     6.74 - 78.84    157,659,622      

BHFTII MFS(R) Value Division    2018    52,559,197     1.48 - 29.04    598,234,094      
                                2017    20,677,338     1.67 - 32.71    523,781,737      
                                2016    23,336,266     1.44 - 28.13    506,526,529      
                                2015    24,529,013     1.27 - 24.92    475,285,633      
                                2014    26,823,537     1.29 - 25.08    526,090,577      

BHFTII MFS(R) Value II          2018            --               --             --      
   Division (Closed 4/27/2018)  2017    12,582,216     1.19 - 23.04    254,251,609      
                                2016    13,722,798     1.93 - 21.57    262,264,238      
                                2015    14,658,312     1.04 - 18.36    241,297,390      
                                2014    15,621,162     1.79 - 19.66    277,145,192      

BHFTII Neuberger Berman         2018     8,679,175     3.14 - 35.14    255,498,599      
   Genesis Division             2017     9,828,019     1.67 - 37.96    314,115,956      
                                2016    11,028,717     2.98 - 33.04    306,388,412      
                                2015    12,205,331     1.24 - 28.04    289,271,341      
                                2014    13,823,646     1.25 - 28.08    326,918,853      

BHFTII T. Rowe Price Large      2018    17,216,055     1.94 - 39.60    539,361,977      
   Cap Growth Division          2017    18,998,068     1.98 - 40.27    609,640,874      
                                2016    20,326,210     1.50 - 30.32    491,684,512      
                                2015    20,053,722     1.50 - 30.01    499,123,184      
                                2014    19,215,859     9.68 - 27.29    443,081,491      

BHFTII T. Rowe Price Small      2018     9,657,475     4.04 - 46.55    388,577,931      
   Cap Growth Division          2017    10,715,353     4.38 - 50.18    467,200,326      
                                2016    11,498,401     3.62 - 41.16    412,938,416      
                                2015    12,314,868     3.28 - 37.11    405,415,335      
                                2014    12,136,731    26.17 - 36.40    394,821,897      

BHFTII Van Eck Global           2018     2,687,622      8.26 - 9.10     24,101,859      
   Natural Resources Division   2017     2,921,930    11.85 - 12.93     37,269,860      
                                2016     2,736,220    12.18 - 13.17     35,592,317      
                                2015     3,453,656      8.65 - 9.26     31,642,400      
                                2014     2,631,888    13.13 - 13.88     36,305,032      

BHFTII Western Asset            2018    13,731,347     1.09 - 38.95    422,543,762      
   Management Strategic Bond    2017    15,854,082     1.15 - 40.79    514,265,588      
   Opportunities Division       2016    17,633,082     1.08 - 37.98    535,867,222      
                                2015     7,434,184     1.01 - 35.24    189,250,242      
                                2014     8,379,087     1.05 - 36.14    217,390,710      

BHFTII Western Asset            2018     7,773,582     1.91 - 22.09    137,000,881      
   Management U.S. Government   2017     9,021,983     1.92 - 22.04    159,678,213      
   Division                     2016     9,582,786     1.90 - 21.79    167,406,266      
                                2015    10,199,735     1.91 - 21.68    179,151,852      
                                2014    11,263,811     1.92 - 21.72    197,952,838      


                                                FOR THE YEAR ENDED DECEMBER 31          
                                      --------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                         INCOME          LOWEST TO          LOWEST TO   
                                        RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                      -------------  ----------------  -----------------
                                                                                        
BHFTII MFS(R) Total Return      2018      2.17         0.50 - 2.15       (7.82) - (6.28)
   Division                     2017      2.39         0.50 - 2.15          9.79 - 11.61
                                2016      2.79         0.50 - 2.15           6.61 - 8.38
                                2015      2.47         0.50 - 2.15       (2.52) - (0.90)
                                2014      2.25         0.50 - 2.15           6.06 - 7.82

BHFTII MFS(R) Value Division    2018      1.47         0.50 - 2.25      (12.25) - (7.60)
                                2017      1.89         0.50 - 2.15         15.20 - 17.24
                                2016      2.11         0.50 - 2.15         11.77 - 13.65
                                2015      2.54         0.50 - 2.15         (2.39) - 2.33
                                2014      1.58         0.50 - 2.30          8.05 - 10.09

BHFTII MFS(R) Value II          2018      2.81         0.50 - 2.25       (4.58) - (3.28)
   Division (Closed 4/27/2018)  2017      2.42         0.50 - 2.25          2.50 - 75.75
                                2016      1.45         0.50 - 2.25         15.47 - 17.51
                                2015      1.58         0.50 - 2.25      (10.46) - (6.65)
                                2014      1.07         0.25 - 2.25           7.26 - 9.15

BHFTII Neuberger Berman         2018      0.23         0.50 - 2.25       (9.07) - (7.45)
   Genesis Division             2017      0.29         0.50 - 2.15         13.16 - 14.91
                                2016      0.34         0.50 - 2.15         16.02 - 17.80
                                2015      0.29         0.50 - 2.15       (1.71) - (0.12)
                                2014      0.30         0.50 - 2.30       (2.57) - (0.80)

BHFTII T. Rowe Price Large      2018      0.27         0.50 - 2.25       (3.37) - (1.65)
   Cap Growth Division          2017      0.15         0.50 - 2.25         30.52 - 32.81
                                2016      0.02         0.50 - 2.25         (0.73) - 1.03
                                2015      0.04         0.50 - 2.25           1.40 - 9.96
                                2014      0.02         0.50 - 2.30         (0.01) - 8.28

BHFTII T. Rowe Price Small      2018      0.05         0.50 - 2.25       (8.87) - (7.25)
   Cap Growth Division          2017      0.19         0.50 - 2.25         19.82 - 21.92
                                2016      0.14         0.50 - 2.25          9.00 - 10.93
                                2015      0.07         0.50 - 2.25           0.18 - 1.95
                                2014      0.01         0.50 - 2.25           4.27 - 6.11

BHFTII Van Eck Global           2018        --         1.10 - 2.05     (30.31) - (29.64)
   Natural Resources Division   2017        --         1.10 - 2.05       (2.75) - (1.82)
                                2016      0.59         1.10 - 2.05         40.82 - 42.17
                                2015      0.21         1.10 - 2.05     (34.12) - (33.49)
                                2014      0.27         1.15 - 2.05     (20.47) - (11.42)

BHFTII Western Asset            2018      5.21         0.50 - 2.25       (6.17) - (4.51)
   Management Strategic Bond    2017      3.80         0.50 - 2.25           5.54 - 7.40
   Opportunities Division       2016      1.96         0.50 - 2.25           4.02 - 7.76
                                2015      4.96         0.50 - 2.15       (4.04) - (2.35)
                                2014      5.26         0.50 - 2.15           3.10 - 4.79

BHFTII Western Asset            2018      2.11         0.50 - 2.25         (1.56) - 0.19
   Management U.S. Government   2017      2.46         0.50 - 2.25         (0.58) - 1.17
   Division                     2016      2.41         0.50 - 2.25         (1.23) - 0.52
                                2015      2.10         0.50 - 2.25       (1.92) - (0.19)
                                2014      1.73         0.50 - 2.25           0.27 - 2.04


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                         AS OF DECEMBER 31                  
                                          -----------------------------------------------   
                                                           UNIT VALUE                       
                                                            LOWEST TO           NET         
                                              UNITS        HIGHEST ($)      ASSETS ($)      
                                          ------------  ----------------  ---------------   
                                                                                            
BlackRock Global Allocation         2018         4,210     20.41 - 22.02           88,248   
   V.I. Division                    2017         4,188     22.44 - 24.09           96,276   
   (Commenced 11/19/2014            2016        25,590     20.06 - 21.42          521,354   
   and began transactions in 2015)  2015        24,602     19.63 - 20.86          489,446   

Calvert VP SRI Balanced             2018     1,063,592     32.97 - 44.61       44,653,283   
   Division                         2017     1,186,460     34.40 - 46.41       51,869,403   
                                    2016     1,327,240     31.20 - 41.95       52,584,587   
                                    2015     1,430,108     29.38 - 39.38       53,307,044   
                                    2014     1,520,177     30.50 - 40.77       58,809,995   

Calvert VP SRI Mid Cap              2018       126,305             56.76        7,168,514   
   Division                         2017       145,874             59.95        8,745,518   
                                    2016       186,977             54.20       10,134,827   
                                    2015       227,418             51.03       11,604,230   
                                    2014       256,364             53.26       13,652,993   

Delaware VIP Small Cap              2018         5,992              1.22            7,333   
   Value Division (Commenced        2017        14,842              1.48           22,010   
   10/31/2013 and began             2016        25,822              1.34           34,483   
   transactions in 2016)                                                                    

Fidelity(R) VIP Contrafund          2018        72,718       7.85 - 8.34          603,131   
   Division (Commenced              2017        89,664       8.51 - 9.01          805,722   
   12/13/2013 and began             2016       161,557       7.08 - 7.48        1,206,624   
   transactions in 2014)            2015         2,695              6.65           17,911   
                                    2014         1,597              6.69           10,689   

Fidelity(R) VIP                     2018     1,815,376      9.56 - 79.28       63,735,707   
   Equity-Income Division           2017     2,048,365     10.56 - 87.27       78,340,010   
                                    2016     2,327,096      9.48 - 78.04       80,761,382   
                                    2015     2,619,253      8.15 - 66.75       77,695,085   
                                    2014     3,063,871      8.60 - 70.17       92,690,111   

Fidelity(R) VIP Freedom 2020        2018        56,275     17.69 - 18.54        1,037,991   
   Division (Commenced 5/1/2015     2017        63,006             19.92        1,255,251   
   and began transactions in 2016)  2016        98,961             17.29        1,711,114   

Fidelity(R) VIP Freedom 2025        2018        58,278     18.71 - 19.61        1,132,045   
   Division (Commenced 5/1/2015     2017        38,578     20.57 - 21.23          819,000   
   and began transactions in 2016)  2016        79,781             18.22        1,453,626   

Fidelity(R) VIP Freedom 2030        2018       149,868     18.81 - 19.71        2,953,022   
   Division (Commenced 5/1/2015     2017       139,649     20.96 - 21.63        3,021,173   
   and began transactions in 2016)  2016       115,111             18.09        2,081,941   

Fidelity(R) VIP Freedom 2035        2018         4,218     24.86 - 25.59          105,591   
   Division                                                                                 
   (Commenced 4/30/2018)                                                                    

Fidelity(R) VIP Freedom 2040        2018        19,309     25.00 - 25.85          498,777   
   Division (Commenced 5/1/2015     2017        18,419     28.39 - 29.02          534,464   
   and began transactions in 2016)  2016         7,760             23.75          184,274   


                                                    FOR THE YEAR ENDED DECEMBER 31          
                                          --------------------------------------------------
                                           INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                              INCOME          LOWEST TO         LOWEST TO   
                                             RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                          --------------  ----------------  ----------------
                                                                                            
BlackRock Global Allocation         2018       0.81         1.10 - 1.60      (9.05) - (8.60)
   V.I. Division                    2017       0.30         1.10 - 1.60        11.91 - 12.47
   (Commenced 11/19/2014            2016       1.30         1.10 - 1.60          2.16 - 2.67
   and began transactions in 2015)  2015       0.66         1.10 - 1.60      (2.57) - (0.60)

Calvert VP SRI Balanced             2018       1.74         0.50 - 1.55      (4.17) - (3.16)
   Division                         2017       1.97         0.50 - 1.55        10.28 - 11.44
                                    2016       1.82         0.50 - 1.55          6.20 - 7.32
                                    2015       0.11         0.50 - 1.55      (3.70) - (2.68)
                                    2014       1.56         0.50 - 1.55          7.92 - 9.05

Calvert VP SRI Mid Cap              2018       0.52                0.95               (5.33)
   Division                         2017       0.64                0.95                10.61
                                    2016         --                0.95                 6.23
                                    2015         --                0.95               (4.19)
                                    2014         --                0.95          7.07 - 7.10

Delaware VIP Small Cap              2018       0.61                0.90              (17.47)
   Value Division (Commenced        2017       0.95                0.90                11.05
   10/31/2013 and began             2016       0.28                0.90                30.23
   transactions in 2016)                                                                    

Fidelity(R) VIP Contrafund          2018       0.41         0.90 - 1.15      (7.71) - (7.48)
   Division (Commenced              2017       0.68         0.90 - 1.15        20.20 - 20.50
   12/13/2013 and began             2016       1.15         0.90 - 1.15          6.50 - 6.76
   transactions in 2014)            2015       0.97                1.15               (0.73)
                                    2014       2.09                1.15                10.38

Fidelity(R) VIP                     2018       2.20         0.95 - 1.35      (9.53) - (9.16)
   Equity-Income Division           2017       1.66         0.95 - 1.35        11.38 - 11.83
                                    2016       2.27         0.95 - 1.35        16.44 - 16.91
                                    2015       3.06         0.95 - 1.35      (5.25) - (4.87)
                                    2014       2.77         0.95 - 1.35          7.26 - 7.73

Fidelity(R) VIP Freedom 2020        2018       1.25         0.90 - 1.25      (6.92) - (5.28)
   Division (Commenced 5/1/2015     2017       1.16                0.90                15.22
   and began transactions in 2016)  2016       2.32                0.90                 4.85

Fidelity(R) VIP Freedom 2025        2018       1.34         0.90 - 1.25      (7.62) - (6.00)
   Division (Commenced 5/1/2015     2017       0.87         0.90 - 1.15        16.23 - 16.52
   and began transactions in 2016)  2016       2.70                0.90                 5.03

Fidelity(R) VIP Freedom 2030        2018       1.19         0.90 - 1.25      (8.88) - (7.27)
   Division (Commenced 5/1/2015     2017       0.96         0.90 - 1.15        19.32 - 19.62
   and began transactions in 2016)  2016       2.70                0.90                 5.42

Fidelity(R) VIP Freedom 2035        2018       1.79         0.95 - 1.25      (9.85) - (9.67)
   Division                                                                                 
   (Commenced 4/30/2018)                                                                    

Fidelity(R) VIP Freedom 2040        2018       0.96         0.90 - 1.25     (11.16) - (9.46)
   Division (Commenced 5/1/2015     2017       1.03         0.90 - 1.15        21.89 - 22.19
   and began transactions in 2016)  2016       2.03                0.90                 5.57


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                         AS OF DECEMBER 31                   
                                          -----------------------------------------------    
                                                           UNIT VALUE                        
                                                            LOWEST TO           NET          
                                              UNITS        HIGHEST ($)      ASSETS ($)       
                                          ------------  ----------------  ---------------    
                                                                                             
Fidelity(R) VIP Freedom 2045        2018         4,811     25.30 - 26.04          124,900    
   Division                                                                                  
   (Commenced 4/30/2018)                                                                     

Fidelity(R) VIP Freedom 2050        2018        13,729     25.54 - 26.41          362,109    
   Division (Commenced 5/1/2015     2017         8,553             29.65          253,618    
   and began transactions in 2016)  2016         6,075             24.27          147,402    

Fidelity(R) VIP FundsManager        2018    18,690,885     13.67 - 13.93      258,652,350    
   50% Division                     2017    21,200,158     14.72 - 14.98      315,705,343    
                                    2016    22,355,817     13.13 - 13.34      296,580,947    
                                    2015    22,380,417     12.86 - 13.05      290,525,141    
                                    2014    17,417,943     13.11 - 13.28      230,170,102    

Fidelity(R) VIP FundsManager        2018    17,207,125     13.12 - 13.50      229,662,248    
   60% Division                     2017    19,728,179     14.32 - 14.70      286,973,777    
                                    2016    22,614,243     12.50 - 12.80      286,717,673    
                                    2015    24,528,850     12.19 - 12.44      302,657,716    
                                    2014    23,126,457     12.44 - 12.62      289,729,524    

Fidelity(R) VIP Government          2018       330,351             16.21        5,355,641    
   Money Market Division            2017       311,112             16.10        5,009,176    
                                    2016       379,214      9.89 - 16.14        6,122,223    
                                    2015       554,548     10.08 - 16.26        8,080,715    
                                    2014       544,052     10.28 - 16.41        8,033,349    

Fidelity(R) VIP Growth              2018       879,956             99.50       87,558,490    
   Division                         2017       980,268            100.62       98,637,848    
                                    2016     1,115,679             75.17       83,862,383    
                                    2015     1,266,107             75.28       95,310,704    
                                    2014     1,382,739             70.91       98,045,015    

Fidelity(R) VIP Investment          2018       255,936             34.42        8,809,328    
   Grade Bond Division              2017       293,120             34.93       10,239,907    
                                    2016       365,398             33.84       12,364,481    
                                    2015       424,477             32.61       13,843,675    
                                    2014       477,735             33.12       15,822,818    

Fidelity(R) VIP Mid Cap             2018        59,331              7.05          418,140    
   Division (Commenced              2017        81,118       7.96 - 8.34          676,874    
   10/31/2013 and began             2016        92,941              6.99          649,196    
   transactions in 2016)                                                                     

FTVIPT Templeton Developing         2018        88,922              1.52          135,271    
   Markets VIP Division             2017        83,878              1.82          152,910    
   (Commenced 10/31/2013 and        2016       168,845              1.31          221,198    
   began transactions in 2016)                                                               

FTVIPT Templeton Foreign            2018           159              3.82              609    
   VIP Division (Commenced          2017           159       4.27 - 4.56              726    
   10/31/2013 and began             2016           353              3.94            1,390    
   transactions in 2016)                                                                     


                                                     FOR THE YEAR ENDED DECEMBER 31          
                                          ---------------------------------------------------
                                           INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                              INCOME          LOWEST TO          LOWEST TO   
                                             RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                          --------------  ----------------  -----------------
                                                                                             
Fidelity(R) VIP Freedom 2045        2018       2.32         0.95 - 1.25     (10.45) - (10.27)
   Division                                                                                  
   (Commenced 4/30/2018)                                                                     

Fidelity(R) VIP Freedom 2050        2018       1.18         0.90 - 1.25      (10.94) - (9.48)
   Division (Commenced 5/1/2015     2017       1.09                0.90                 22.20
   and began transactions in 2016)  2016       1.81                0.90                  5.60

Fidelity(R) VIP FundsManager        2018       1.35         1.90 - 2.05       (7.14) - (7.00)
   50% Division                     2017       1.15         1.90 - 2.05         12.14 - 12.31
                                    2016       1.24         1.90 - 2.05           2.11 - 2.26
                                    2015       1.24         1.90 - 2.05       (1.89) - (1.75)
                                    2014       1.47         1.90 - 2.05           2.96 - 3.12

Fidelity(R) VIP FundsManager        2018       1.18         1.85 - 2.10       (8.39) - (8.16)
   60% Division                     2017       1.05         1.85 - 2.10         14.56 - 14.85
                                    2016       1.22         1.85 - 2.10           2.61 - 2.87
                                    2015       1.10         1.85 - 2.10       (1.68) - (1.43)
                                    2014       1.24         1.85 - 2.05           0.55 - 3.42

Fidelity(R) VIP Government          2018       1.64                0.95                  0.69
   Money Market Division            2017       0.66                0.95                (0.27)
                                    2016       0.20         0.95 - 2.05       (1.85) - (0.74)
                                    2015       0.02         0.95 - 2.05       (2.02) - (0.91)
                                    2014       0.01         0.95 - 2.05       (2.02) - (0.93)

Fidelity(R) VIP Growth              2018       0.24                0.95                (1.11)
   Division                         2017       0.22                0.95                 33.87
                                    2016       0.04                0.95                (0.15)
                                    2015       0.26                0.95                  6.17
                                    2014       0.18                0.95         10.25 - 10.28

Fidelity(R) VIP Investment          2018       2.40                0.95                (1.47)
   Grade Bond Division              2017       2.28                0.95                  3.24
                                    2016       2.22                0.95                  3.76
                                    2015       2.51                0.95                (1.53)
                                    2014       2.10                0.95           4.83 - 4.86

Fidelity(R) VIP Mid Cap             2018       0.36                0.90               (15.54)
   Division (Commenced              2017       0.49         0.90 - 1.15         19.16 - 19.46
   10/31/2013 and began             2016       0.46                0.90                 10.92
   transactions in 2016)                                                                     

FTVIPT Templeton Developing         2018       0.84                0.90               (16.55)
   Markets VIP Division             2017       1.07                0.90                 39.15
   (Commenced 10/31/2013 and        2016       0.90                0.90                 16.39
   began transactions in 2016)                                                               

FTVIPT Templeton Foreign            2018       2.67                0.90               (16.20)
   VIP Division (Commenced          2017       2.30         0.90 - 1.15         15.36 - 15.65
   10/31/2013 and began             2016       1.91                0.90                  6.21
   transactions in 2016)                                                                     


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                   
                                     -----------------------------------------------    
                                                      UNIT VALUE                        
                                                       LOWEST TO           NET          
                                         UNITS        HIGHEST ($)      ASSETS ($)       
                                     ------------  ----------------  ---------------    
                                                                                        
Ivy VIP Asset Strategy         2018           128             15.77            2,017    
   Division (Commenced         2017           167             16.91            2,827    
   11/19/2014 and began        2016           183             14.49            2,650    
   transactions in 2015)       2015           191             15.07            2,882    

Janus Henderson Enterprise     2018        10,917              9.63          105,150    
   Division (Commenced         2017        15,309              9.78          149,792    
   10/31/2013 and began        2016        31,893              7.77          247,764    
   transactions in 2016)                                                                

LMPVET ClearBridge Variable    2018         5,873              7.27           42,700    
   Appreciation Division       2017         6,486              7.47           48,429    
   (Commenced 10/31/2013 and   2016         5,096              6.30           32,119    
   began transactions in 2016)                                                          

LMPVET ClearBridge Variable    2018        45,798              1.41           64,392    
   Dividend Strategy Division  2017        46,671              1.49           69,596    
   (Commenced 10/31/2013 and   2016        52,618              1.26           66,433    
   began transactions in 2016)                                                          

LMPVET ClearBridge Variable    2018       128,203       3.63 - 3.82          489,481    
   Large Cap Growth Division   2017       132,067       3.67 - 3.86          508,988    
   (Commenced 10/31/2013 and   2016       224,143       2.95 - 3.10          693,531    
   began transactions in 2016)                                                          

LMPVET ClearBridge Variable    2018         3,651              4.12           15,046    
   Small Cap Growth Division   2017         6,825              4.02           27,439    
   (Commenced 10/31/2013 and   2016        12,622              3.26           41,206    
   began transactions in 2016)                                                          

LMPVIT Western Asset Core      2018        25,469              3.26           83,068    
   Plus Division (Commenced    2017        31,136              3.37          104,815    
   10/31/2013 and began        2016        51,470              3.21          165,326    
   transactions in 2016)                                                                

Morgan Stanley VIF Global      2018         5,120     11.59 - 12.72           62,114    
   Infrastructure Division     2017         4,622     12.79 - 13.96           61,644    
   (Commenced 11/19/2014)      2016         4,158     11.55 - 12.54           49,884    
                               2015         5,480     10.20 - 11.03           58,000    
                               2014           315     12.49 - 12.95            4,007    

Oppenheimer Global             2018         1,578       9.47 - 9.59           14,988    
   Multi-Alternatives Fund/VA  2017         1,578      9.93 - 10.03           15,705    
   Division                                                                             
   (Commenced 4/28/2017)                                                                

PIMCO VIT                      2018         5,859       6.04 - 6.17           35,709    
   CommodityRealReturn(R)      2017         6,917       7.17 - 7.28           49,885    
   Strategy Division           2016         6,890       7.15 - 7.22           49,401    
   (Commenced 11/19/2014)      2015         6,911       6.34 - 6.37           43,875    
                               2014           171              8.69            1,489    


                                                FOR THE YEAR ENDED DECEMBER 31          
                                     ---------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                         INCOME          LOWEST TO          LOWEST TO   
                                        RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     --------------  ----------------  -----------------
                                                                                        
Ivy VIP Asset Strategy         2018       1.81                1.35                (6.71)
   Division (Commenced         2017       1.58                1.35                 16.69
   11/19/2014 and began        2016       0.58                1.35                (3.87)
   transactions in 2015)       2015       0.35                1.35                (9.58)

Janus Henderson Enterprise     2018       0.10                0.90                (1.56)
   Division (Commenced         2017       0.11                0.90                 25.95
   10/31/2013 and began        2016       0.07                0.90                 11.10
   transactions in 2016)                                                                

LMPVET ClearBridge Variable    2018       1.24                0.90                (2.63)
   Appreciation Division       2017       1.27                0.90                 18.48
   (Commenced 10/31/2013 and   2016       2.06                0.90                  8.79
   began transactions in 2016)                                                          

LMPVET ClearBridge Variable    2018       1.56                0.90                (5.71)
   Dividend Strategy Division  2017       1.52                0.90                 18.11
   (Commenced 10/31/2013 and   2016       1.98                0.90                 13.96
   began transactions in 2016)                                                          

LMPVET ClearBridge Variable    2018       0.30         0.90 - 1.15       (1.13) - (0.88)
   Large Cap Growth Division   2017       0.20         0.90 - 1.15         24.33 - 24.64
   (Commenced 10/31/2013 and   2016       0.84         0.90 - 1.15           6.17 - 6.43
   began transactions in 2016)                                                          

LMPVET ClearBridge Variable    2018         --                0.90                  2.50
   Small Cap Growth Division   2017         --                0.90                 23.16
   (Commenced 10/31/2013 and   2016         --                0.90                  4.85
   began transactions in 2016)                                                          

LMPVIT Western Asset Core      2018       3.42                0.90                (3.11)
   Plus Division (Commenced    2017       3.41                0.90                  4.80
   10/31/2013 and began        2016       5.53                0.90                  3.61
   transactions in 2016)                                                                

Morgan Stanley VIF Global      2018       2.72         1.10 - 1.60       (9.36) - (8.90)
   Infrastructure Division     2017       2.27         1.10 - 1.60         10.76 - 11.32
   (Commenced 11/19/2014)      2016       1.94         1.10 - 1.60         13.14 - 13.71
                               2015       1.70         1.10 - 1.60     (15.25) - (14.83)
                               2014         --         1.10 - 1.35           0.27 - 0.30

Oppenheimer Global             2018       0.17         1.10 - 1.35       (4.61) - (4.37)
   Multi-Alternatives Fund/VA  2017       0.19         1.10 - 1.35       (1.51) - (1.35)
   Division                                                                             
   (Commenced 4/28/2017)                                                                

PIMCO VIT                      2018       1.86         1.10 - 1.60     (15.70) - (15.27)
   CommodityRealReturn(R)      2017      10.82         1.10 - 1.60           0.32 - 0.82
   Strategy Division           2016       0.87         1.10 - 1.60         12.80 - 13.37
   (Commenced 11/19/2014)      2015       2.81         1.10 - 1.60     (27.09) - (26.72)
                               2014       0.17                1.35               (13.36)


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METROPOLITAN LIFE SEPARATE ACCOUNT E              
OF METROPOLITAN LIFE INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONCLUDED)              

8.  FINANCIAL HIGHLIGHTS -- (CONCLUDED)                                         

                                                        [Enlarge/Download Table]

                                                         AS OF DECEMBER 31                 
                                          -----------------------------------------------  
                                                           UNIT VALUE                      
                                                            LOWEST TO           NET        
                                              UNITS        HIGHEST ($)      ASSETS ($)     
                                          ------------  ----------------  ---------------  
                                                                                           
PIMCO VIT Dynamic Bond              2018         8,338     10.08 - 10.29          85,042   
   Division (Commenced              2017        11,816     10.17 - 10.33         121,046   
   11/19/2014 and began             2016        11,278       9.87 - 9.98         111,866   
   transactions in 2015)            2015         6,574       9.61 - 9.66          63,382   

PIMCO VIT Emerging Markets          2018         6,000     10.26 - 10.47          62,180   
   Bond Division                    2017         6,421     10.98 - 11.15          71,038   
   (Commenced 11/19/2014)           2016         8,142     10.18 - 10.29          83,339   
                                    2015         7,377       9.16 - 9.21          67,775   
                                    2014           200              9.55           1,913   

TAP 1919 Variable Socially          2018         4,988              5.35          26,671   
   Responsive Balanced Division     2017         4,430       5.11 - 5.45          24,126   
   (Commenced 12/13/2013            2016         1,649       4.43 - 4.71           7,602   
   and began transactions in 2015)  2015           501              4.21           2,112   


                                                   FOR THE YEAR ENDED DECEMBER 31          
                                          -------------------------------------------------
                                          INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                             INCOME          LOWEST TO         LOWEST TO   
                                            RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                          -------------  ----------------  ----------------
                                                                                           
PIMCO VIT Dynamic Bond              2018       2.39        1.10 - 1.60      (0.88) - (0.38)
   Division (Commenced              2017       1.41        1.10 - 1.60          3.04 - 3.55
   11/19/2014 and began             2016       1.41        1.10 - 1.60          2.77 - 3.28
   transactions in 2015)            2015       6.69        1.10 - 1.60      (3.52) - (3.04)

PIMCO VIT Emerging Markets          2018       3.83        1.10 - 1.60      (6.53) - (6.06)
   Bond Division                    2017       4.78        1.10 - 1.60          7.81 - 8.35
   (Commenced 11/19/2014)           2016       4.96        1.10 - 1.60        11.18 - 11.74
                                    2015       5.10        1.10 - 1.60      (4.08) - (3.60)
                                    2014       0.13               1.35               (3.43)

TAP 1919 Variable Socially          2018       1.09               0.90               (1.83)
   Responsive Balanced Division     2017       1.34        0.90 - 1.15        15.41 - 15.70
   (Commenced 12/13/2013            2016       1.67        0.90 - 1.15          5.02 - 5.28
   and began transactions in 2015)  2015       1.29               1.15               (2.84)

(1) These amounts represent the dividends, excluding distributions of capital   
gains, received by the Division from the underlying fund, series, or    
  portfolio, net of management fees assessed by the fund manager, divided by
the average net assets, regardless of share class, if any. These ratios 
exclude those expenses, such as mortality and expense risk charges, that
 are assessed against Contract owner accounts either through reductions in
  the unit values or the redemption of units. The investment income ratio is
   calculated for each period indicated or from the effective date through the
end of the reporting period. The recognition of investment income by the
 Division is affected by the timing of the declaration of dividends by the
underlying fund, series, or portfolio in which the Division invests. The
   investment income ratio is calculated as a weighted average ratio since the
Division may invest in two or more share classes, within the underlying 
 fund, series, or portfolio of the Trusts which may have unique investment
income ratios.                                                          

(2) These amounts represent annualized Contract expenses of each of the         
applicable Divisions, consisting primarily of mortality and expense risk
  charges, for each period indicated. The ratios include only those expenses
  that result in a direct reduction to unit values. Charges made directly to
   Contract owner accounts through the redemption of units and expenses of the
underlying fund, series, or portfolio have been excluded.               

(3) These amounts represent the total return for the period indicated,          
including changes in the value of the underlying fund, series, or       
portfolio, and expenses assessed through the reduction of unit values.  
   These ratios do not include any expenses assessed through the redemption of
   units. The total return is calculated for each period indicated or from the
   effective date through the end of the reporting period. The total return is
presented as a range of minimum to maximum returns, based on the minimum
and maximum returns within each product grouping of the applicable      
Division.                                                               

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Item 8. Financial Statements and Supplementary Data 

Index to Consolidated Financial Statements, Notes and Schedules 

                                                                [Download Table]

                                                                           Page 
                                                                          ------
                                                                                
Report of Independent Registered Public Accounting Firm..................      1
Financial Statements at December 31, 2018 and 2017 and for the Years            
  Ended December 31, 2018, 2017 and 2016:                                       
  Consolidated Balance Sheets............................................      3
  Consolidated Statements of Operations..................................      4
  Consolidated Statements of Comprehensive Income (Loss).................      5
  Consolidated Statements of Equity......................................      6
  Consolidated Statements of Cash Flows..................................      7
  Notes to the Consolidated Financial Statements.........................      9
     Note 1 -- Business, Basis of Presentation and Summary of                   
       Significant Accounting Policies...................................      9
     Note 2 -- Segment Information.......................................     27
     Note 3 -- Disposition...............................................     32
     Note 4 -- Insurance.................................................     32
     Note 5 -- Deferred Policy Acquisition Costs, Value of Business             
       Acquired and Other Intangibles....................................     44
     Note 6 -- Reinsurance...............................................     47
     Note 7 -- Closed Block..............................................     54
     Note 8 -- Investments...............................................     56
     Note 9 -- Derivatives...............................................     78
     Note 10 -- Fair Value...............................................     91
     Note 11 -- Long-term and Short-term Debt............................    108
     Note 12 -- Equity...................................................    110
     Note 13 -- Other Revenues and Other Expenses........................    114
     Note 14 -- Employee Benefit Plans...................................    115
     Note 15 -- Income Tax...............................................    123
     Note 16 -- Contingencies, Commitments and Guarantees................    130
     Note 17 -- Quarterly Results of Operations (Unaudited)..............    137
     Note 18 -- Related Party Transactions...............................    137
Financial Statement Schedules at December 31, 2018 and 2017 and for             
  the Years Ended December 31, 2018, 2017 and 2016:                             
  Schedule I -- Consolidated Summary of Investments -- Other Than               
   Investments in Related Parties........................................    139
  Schedule III -- Consolidated Supplementary Insurance Information.......    140
  Schedule IV -- Consolidated Reinsurance................................    142

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

To the stockholder and the Board of Directors of Metropolitan Life Insurance    
Company                                                                         

Opinion on the Consolidated Financial Statements                                

We have audited the accompanying consolidated balance sheets of Metropolitan    
Life Insurance Company and subsidiaries (the "Company") as of December 31, 2018 
and 2017, the related consolidated statements of operations, comprehensive      
income (loss), equity, and cash flows for each of the three years in the period 
ended December 31, 2018, and the related notes and the schedules listed in the  
Index to Consolidated Financial Statements, Notes and Schedules (collectively   
referred to as the "consolidated financial statements"). In our opinion, the    
consolidated financial statements present fairly, in all material respects, the 
financial position of the Company as of December 31, 2018 and 2017, and the     
results of its operations and its cash flows for each of the three years in the 
period ended December 31, 2018, in conformity with accounting principles        
generally accepted in the United States of America.                             

Basis for Opinion                                                               

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

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

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

/s/ DELOITTE & TOUCHE LLP                                                       
New York, New York                                                              
March 18, 2019                                                                  

We have served as the Company's auditor since at least 1968; however, an        
earlier year could not be reliably determined.                                  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Balance Sheets 
December 31, 2018 and 2017  

(In millions, except share and per share data)  

                                                                [Download Table]

                                                       2018           2017     
                                                   -------------  -------------
                                                                               
Assets                                                                         
Investments:                                                                   
Fixed maturity securities available-for-sale, at                               
 estimated fair value (amortized cost: $155,175                                
 and $157,809, respectively)......................  $    159,073   $    170,272
Equity securities, at estimated fair value........           773          1,658
Mortgage loans (net of valuation allowances of                                 
 $291 and $271, respectively; includes $210 and                                
 $0, respectively, relating to variable interest                               
 entities; includes $299 and $520, respectively,                               
 under the fair value option).....................        63,687         58,459
Policy loans......................................         6,061          6,006
Real estate and real estate joint ventures                                     
 (includes $1,394 and $1,077, respectively,                                    
 relating to variable interest entities; includes                              
 $0 and $25, respectively, of real estate                                      
 held-for-sale)...................................         6,152          6,656
Other limited partnership interests...............         4,481          3,991
Short-term investments, principally at estimated                               
 fair value.......................................         1,506          3,155
Other invested assets (includes $113 and $131,                                 
 respectively, relating to variable interest                                   
 entities)........................................        15,690         14,911
                                                   -------------  -------------
  Total investments...............................       257,423        265,108
Cash and cash equivalents, principally at                                      
 estimated fair value (includes $14 and $12,                                   
 respectively, relating to variable interest                                   
 entities)........................................         6,882          5,069
Accrued investment income (includes $1 and $0,                                 
 respectively, relating to variable interest                                   
 entities)........................................         2,050          2,042
Premiums, reinsurance and other receivables                                    
 (includes $2 and $3, respectively, relating to                                
 variable interest entities)......................        21,829         22,098
Deferred policy acquisition costs and value of                                 
 business acquired................................         4,117          4,348
Current income tax recoverable....................            --             64
Deferred income tax asset.........................            43             --
Other assets (includes $2 and $2, respectively,                                
 relating to variable interest entities)..........         3,723          4,741
Separate account assets...........................       110,850        130,825
                                                   -------------  -------------
  Total assets....................................  $    406,917   $    434,295
                                                   =============  =============
Liabilities and Equity                                                         
Liabilities                                                                    
Future policy benefits............................  $    126,099   $    119,415
Policyholder account balances.....................        90,656         93,939
Other policy-related balances.....................         7,264          7,176
Policyholder dividends payable....................           494            499
Policyholder dividend obligation..................           428          2,121
Payables for collateral under securities loaned                                
 and other transactions...........................        18,472         19,871
Short-term debt...................................           129            243
Long-term debt (includes $5 and $6, respectively,                              
 at estimated fair value, relating to variable                                 
 interest entities)...............................         1,567          1,667
Current income tax payable........................           611             --
Deferred income tax liability.....................            --          1,369
Other liabilities (includes $0 and $3,                                         
 respectively, relating to variable interest                                   
 entities)........................................        24,620         27,409
Separate account liabilities......................       110,850        130,825
                                                   -------------  -------------
  Total liabilities...............................       381,190        404,534
                                                   -------------  -------------
Contingencies, Commitments and Guarantees (Note                                
 16)                                                                           
Equity                                                                         
Metropolitan Life Insurance Company stockholder's                              
 equity:                                                                       
Common stock, par value $0.01 per share;                                       
 1,000,000,000 shares authorized; 494,466,664                                  
 shares issued and outstanding....................             5              5
Additional paid-in capital........................        12,450         14,150
Retained earnings.................................         9,512         10,035
Accumulated other comprehensive income (loss).....         3,562          5,428
                                                   -------------  -------------
  Total Metropolitan Life Insurance Company                                    
   stockholder's equity...........................        25,529         29,618
Noncontrolling interests..........................           198            143
                                                   -------------  -------------
  Total equity....................................        25,727         29,761
                                                   -------------  -------------
  Total liabilities and equity....................  $    406,917   $    434,295
                                                   =============  =============

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Operations 
For the Years Ended December 31, 2018, 2017 and 2016  

(In millions) 

                                                        [Enlarge/Download Table]

                                                       2018          2017          2016     
                                                   ------------  ------------  ------------ 
                                                                                            
Revenues                                                                                    
Premiums..........................................  $    26,613   $    22,925   $    22,393 
Universal life and investment-type product policy                                           
 fees.............................................        2,124         2,227         2,542 
Net investment income.............................       10,919        10,513        11,083 
Other revenues....................................        1,586         1,570         1,478 
Net investment gains (losses):                                                              
Other-than-temporary impairments on fixed                                                   
 maturity securities available-for-sale...........          (23)           (7)          (87)
Other-than-temporary impairments on fixed                                                   
 maturity securities available-for-sale                                                     
 transferred to other comprehensive income (loss).           --             1           (10)
Other net investment gains (losses)...............          176           340           229 
                                                   ------------  ------------  ------------ 
 Total net investment gains (losses)..............          153           334           132 
Net derivative gains (losses).....................          766          (344)       (1,138)
                                                   ------------  ------------  ------------ 
 Total revenues...................................       42,161        37,225        36,490 
                                                   ------------  ------------  ------------ 
Expenses                                                                                    
Policyholder benefits and claims..................       29,097        25,792        25,313 
Interest credited to policyholder account balances        2,479         2,235         2,233 
Policyholder dividends............................        1,085         1,097         1,200 
Other expenses....................................        5,191         5,135         5,803 
                                                   ------------  ------------  ------------ 
 Total expenses...................................       37,852        34,259        34,549 
                                                   ------------  ------------  ------------ 
 Income (loss) before provision for income tax....        4,309         2,966         1,941 
Provision for income tax expense (benefit)........          173          (561)          199 
                                                   ------------  ------------  ------------ 
 Net income (loss)................................        4,136         3,527         1,742 
Less: Net income (loss) attributable to                                                     
 noncontrolling interests.........................            6             2            (8)
                                                   ------------  ------------  ------------ 
 Net income (loss) attributable to Metropolitan                                             
   Life Insurance Company.........................  $     4,130   $     3,525   $     1,750 
                                                   ============  ============  ============ 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Comprehensive Income (Loss)  
For the Years Ended December 31, 2018, 2017 and 2016  

(In millions) 

                                                        [Enlarge/Download Table]

                                                       2018         2017         2016    
                                                   -----------  -----------  ----------- 
                                                                                         
Net income (loss).................................  $    4,136   $    3,527   $    1,742 
Other comprehensive income (loss):                                                       
Unrealized investment gains (losses), net of                                             
 related offsets..................................      (6,318)       4,079          406 
Unrealized gains (losses) on derivatives..........         346         (848)          36 
Foreign currency translation adjustments..........         (20)          26           13 
Defined benefit plans adjustment..................       2,409          129          217 
                                                   -----------  -----------  ----------- 
 Other comprehensive income (loss), before income                                        
   tax............................................      (3,583)       3,386          672 
Income tax (expense) benefit related to items of                                         
 other comprehensive income (loss)................         793       (1,077)        (238)
                                                   -----------  -----------  ----------- 
 Other comprehensive income (loss), net of income                                        
   tax............................................      (2,790)       2,309          434 
                                                   -----------  -----------  ----------- 
Comprehensive income (loss).......................       1,346        5,836        2,176 
Less: Comprehensive income (loss) attributable to                                        
 noncontrolling interest, net of income tax.......           6            2           (8)
                                                   -----------  -----------  ----------- 
 Comprehensive income (loss) attributable to                                             
   Metropolitan Life Insurance Company............  $    1,340   $    5,834   $    2,184 
                                                   ===========  ===========  =========== 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Equity 
For the Years Ended December 31, 2018, 2017 and 2016  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                  Accumulated           Total                                   
                                         Additional                  Other        Metropolitan Life                             
                                Common    Paid-in      Retained   Comprehensive   Insurance Company    Noncontrolling   Total   
                                Stock     Capital     Earnings   Income (Loss)   Stockholder's Equity    Interests      Equity  
                               -------- -----------  ----------  -------------- --------------------- --------------- --------- 
                                                                                                                                
Balance at December 31, 2015.. $      5 $    14,444  $   13,535    $    2,685      $       30,669        $     372    $  31,041 
Capital contributions from                                                                                                      
 MetLife, Inc.................                   10                                            10                            10 
Returns of capital............                  (68)                                          (68)                          (68)
Excess tax benefits related                                                                                                     
 to stock-based compensation..                   27                                            27                            27 
Dividends paid to MetLife,                                                                                                      
 Inc..........................                           (3,600)                           (3,600)                       (3,600)
Dividend of subsidiaries                                                                                                        
 (Note 3).....................                           (2,652)                           (2,652)               2       (2,650)
Change in equity of                                                                                                             
 noncontrolling interests.....                                                                 --             (176)        (176)
Net income (loss).............                            1,750                             1,750               (8)       1,742 
Other comprehensive income                                                                                                      
 (loss), net of income tax....                                            434                 434                           434 
                               -------- -----------  ----------    ----------      --------------        ---------    --------- 
Balance at December 31, 2016..        5      14,413       9,033         3,119              26,570              190       26,760 
Capital contributions from                                                                                                      
 MetLife, Inc.................                    6                                             6                             6 
Returns of capital............                  (20)                                          (20)                          (20)
Purchase of operating joint                                                                                                     
 venture interest from an                                                                                                       
 affiliate (Note 8)...........                 (249)                                         (249)                         (249)
Dividends paid to MetLife,                                                                                                      
 Inc..........................                           (2,523)                           (2,523)                       (2,523)
Change in equity of                                                                                                             
 noncontrolling interests.....                                                                 --              (49)         (49)
Net income (loss).............                            3,525                             3,525                2        3,527 
Other comprehensive income                                                                                                      
 (loss), net of income tax....                                          2,309               2,309                         2,309 
                               -------- -----------  ----------    ----------      --------------        ---------    --------- 
Balance at December 31, 2017..        5      14,150      10,035         5,428              29,618              143       29,761 
Cumulative effects of changes                                                                                                   
 in accounting principles,                                                                                                      
 net of income tax (Note 1)...                             (917)          924                   7                             7 
                               -------- -----------  ----------    ----------      --------------        ---------    --------- 
Balance at January 1, 2018....        5      14,150       9,118         6,352              29,625              143       29,768 
Capital contributions from                                                                                                      
 MetLife, Inc.................                   74                                            74                            74 
Returns of capital............                   (2)                                           (2)                           (2)
Transfer of employee benefit                                                                                                    
 plans to an affiliate (Note                                                                                                    
 14)..........................               (1,772)                                       (1,772)                       (1,772)
Dividends paid to MetLife,                                                                                                      
 Inc..........................                           (3,736)                           (3,736)                       (3,736)
Change in equity of                                                                                                             
 noncontrolling interests.....                                                                 --               49           49 
Net income (loss).............                            4,130                             4,130                6        4,136 
Other comprehensive income                                                                                                      
 (loss), net of income tax....                                         (2,790)             (2,790)                       (2,790)
                               -------- -----------  ----------    ----------      --------------        ---------    --------- 
Balance at December 31, 2018.. $      5 $    12,450  $    9,512    $    3,562      $       25,529        $     198    $  25,727 
                               ======== ===========  ==========    ==========      ==============        =========    ========= 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Cash Flows 
For the Years Ended December 31, 2018, 2017 and 2016  

(In millions) 

                                                        [Enlarge/Download Table]

                                                       2018            2017            2016      
                                                  --------------  --------------  -------------- 
                                                                                                 
Cash flows from operating activities                                                             
Net income (loss)................................ $        4,136  $        3,527  $        1,742 
Adjustments to reconcile net income (loss) to                                                    
 net cash provided by (used in) operating                                                        
 activities:                                                                                     
 Depreciation and amortization expenses..........            264             395             367 
 Amortization of premiums and accretion of                                                       
  discounts associated with investments, net.....           (907)           (823)           (975)
 (Gains) losses on investments and from sales of                                                 
  businesses, net................................           (153)           (334)           (132)
 (Gains) losses on derivatives, net..............           (346)            900           1,865 
 (Income) loss from equity method investments,                                                   
  net of dividends or distributions..............            375             314             483 
 Interest credited to policyholder account                                                       
  balances.......................................          2,479           2,235           2,233 
 Universal life and investment-type product                                                      
  policy fees....................................         (2,124)         (2,227)         (2,542)
 Change in fair value option and trading                                                         
  securities.....................................              3              17             406 
 Change in accrued investment income.............             11             (40)             81 
 Change in premiums, reinsurance and other                                                       
  receivables....................................           (309)            277          (2,606)
 Change in deferred policy acquisition costs and                                                 
  value of business acquired, net................            436             180             108 
 Change in income tax............................            911          (2,200)           (438)
 Change in other assets..........................            947             309             701 
 Change in insurance-related liabilities and                                                     
  policy-related balances........................          3,997           4,029           2,741 
 Change in other liabilities.....................         (1,675)           (156)          1,731 
 Other, net......................................            (19)            (49)             39 
                                                  --------------  --------------  -------------- 
  Net cash provided by (used in) operating                                                       
    activities...................................          8,026           6,354           5,804 
                                                  --------------  --------------  -------------- 
Cash flows from investing activities                                                             
Sales, maturities and repayments of:                                                             
 Fixed maturity securities available-for-sale....         67,609          53,984          74,985 
 Equity securities...............................            135             831             859 
 Mortgage loans..................................          8,908           8,810          11,286 
 Real estate and real estate joint ventures......          1,131             955             762 
 Other limited partnership interests.............            479             565             830 
Purchases and originations of:                                                                   
 Fixed maturity securities available-for-sale....        (61,109)        (55,973)        (72,414)
 Equity securities...............................           (161)           (607)           (771)
 Mortgage loans..................................        (13,968)        (10,680)        (16,039)
 Real estate and real estate joint ventures......           (463)           (885)         (1,390)
 Other limited partnership interests.............           (871)           (794)           (809)
Cash received in connection with freestanding                                                    
 derivatives.....................................          1,798           1,661           1,372 
Cash paid in connection with freestanding                                                        
 derivatives.....................................         (2,258)         (2,688)         (2,451)
Net change in policy loans.......................            (55)            (61)             85 
Net change in short-term investments.............          1,671           1,623             694 
Net change in other invested assets..............            351            (177)           (434)
Net change in property, equipment and leasehold                                                  
 improvements....................................            209            (177)           (227)
Other, net.......................................              4              --              -- 
                                                  --------------  --------------  -------------- 
 Net cash provided by (used in) investing                                                        
  activities..................................... $        3,410  $       (3,613) $       (3,662)
                                                  --------------  --------------  -------------- 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Cash Flows -- (continued)  
For the Years Ended December 31, 2018, 2017 and 2016  

(In millions) 

                                                        [Enlarge/Download Table]

                                                        2018             2017             2016      
                                                  ---------------  ---------------  --------------- 
                                                                                                    
Cash flows from financing activities                                                                
Policyholder account balances:                                                                      
  Deposits....................................... $        74,550  $        70,258  $        64,962 
  Withdrawals....................................         (78,746)         (70,215)         (61,252)
Net change in payables for collateral under                                                         
 securities loaned and other transactions........          (1,399)            (525)            (696)
Long-term debt issued............................              24              169               45 
Long-term debt repaid............................            (109)             (92)             (58)
Financing element on certain derivative                                                             
 instruments and other derivative related                                                           
 transactions, net...............................            (149)            (300)            (321)
Dividend of subsidiaries.........................              --               --             (115)
Dividends paid to MetLife, Inc...................          (3,736)          (2,523)          (3,600)
Return of capital associated with the purchase                                                      
 of operating joint venture interest from an                                                        
 affiliate.......................................              --             (249)              -- 
Other, net.......................................             (54)              88              (44)
                                                  ---------------  ---------------  --------------- 
  Net cash provided by (used in) financing                                                          
   activities....................................          (9,619)          (3,389)          (1,079)
                                                  ---------------  ---------------  --------------- 
Effect of change in foreign currency exchange                                                       
 rates on cash and cash equivalents balances.....              (4)               3               -- 
                                                  ---------------  ---------------  --------------- 
  Change in cash and cash equivalents............           1,813             (645)           1,063 
Cash and cash equivalents, beginning of year.....           5,069            5,714            4,651 
                                                  ---------------  ---------------  --------------- 
  Cash and cash equivalents, end of year......... $         6,882  $         5,069  $         5,714 
                                                  ===============  ===============  =============== 
Supplemental disclosures of cash flow information                                                   
Net cash paid (received) for:                                                                       
Interest......................................... $           107  $           105  $           114 
                                                  ===============  ===============  =============== 
Income tax....................................... $           483  $         1,693  $           819 
                                                  ===============  ===============  =============== 
Non-cash transactions                                                                               
Capital contributions from MetLife, Inc.......... $            74  $             6  $            10 
                                                  ===============  ===============  =============== 
Returns of capital............................... $            --  $            15  $            -- 
                                                  ===============  ===============  =============== 
Transfer of employee benefit plans to an                                                            
 affiliate (Note 14)............................. $         1,772  $            --  $            -- 
                                                  ===============  ===============  =============== 
Fixed maturity securities available-for-sale                                                        
 received in connection with pension risk                                                           
 transfer transactions........................... $         3,016  $            --  $           985 
                                                  ===============  ===============  =============== 
Transfer of fixed maturity securities                                                               
 available-for-sale from affiliates.............. $            --  $           292  $           367 
                                                  ===============  ===============  =============== 
Transfer of fixed maturity securities                                                               
 available-for-sale to affiliates................ $            --  $            --  $         3,940 
                                                  ===============  ===============  =============== 
Transfer of mortgage loans to affiliates......... $            --  $            --  $           626 
                                                  ===============  ===============  =============== 
Deconsolidation of real estate investment                                                           
 vehicles:                                                                                          
  Reduction of real estate and real estate joint                                                    
   ventures...................................... $            --  $            --  $           354 
                                                  ===============  ===============  =============== 
  Reduction of noncontrolling interests.......... $            --  $            --  $           354 
                                                  ===============  ===============  =============== 
Disposal of subsidiaries:                                                                           
Assets disposed.................................. $            --  $            --  $        27,476 
Liabilities disposed.............................              --               --          (24,572)
                                                  ---------------  ---------------  --------------- 
  Net assets disposed............................              --               --            2,904 
Cash disposed....................................              --               --             (115)
Dividend of interests in subsidiaries............              --               --           (2,789)
                                                  ---------------  ---------------  --------------- 
  Loss on dividend of interests in subsidiaries.. $            --  $            --  $            -- 
                                                  ===============  ===============  =============== 

See accompanying notes to the consolidated financial statements.  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies                                                                        

Business                                                                        

Metropolitan Life Insurance Company and its subsidiaries (collectively,     
"MLIC" or the "Company") is a provider of insurance, annuities, employee        
benefits and asset management and is organized into two segments: U.S. and      
MetLife Holdings. Metropolitan Life Insurance Company is a wholly-owned         
subsidiary of MetLife, Inc. (MetLife, Inc., together with its subsidiaries and  
affiliates, "MetLife").                                                         

Basis of Presentation                                                           

The preparation of financial statements in conformity with accounting       
principles generally accepted in the United States of America ("GAAP") requires 
management to adopt accounting policies and make estimates and assumptions that 
affect amounts reported on the consolidated financial statements. In applying   
these policies and estimates, management makes subjective and complex judgments 
that frequently require assumptions about matters that are inherently           
uncertain. Many of these policies, estimates and related judgments are common   
in the insurance and financial services industries; others are specific to the  
Company's business and operations. Actual results could differ from these       
estimates.                                                                      

Consolidation                                                               

  The accompanying consolidated financial statements include the accounts of
Metropolitan Life Insurance Company and its subsidiaries, as well as        
partnerships and joint ventures in which the Company has control, and       
variable interest entities ("VIEs") for which the Company is the primary    
beneficiary. Intercompany accounts and transactions have been eliminated.   

Since the Company is a member of a controlled group of affiliated       
  companies, its results may not be indicative of those of a stand-alone entity.

Separate Accounts                                                           

Separate accounts are established in conformity with insurance laws.    
Generally, the assets of the separate accounts cannot be used to settle the 
liabilities that arise from any other business of the Company. Separate     
account assets are subject to general account claims only to the extent the 
value of such assets exceeds the separate account liabilities. The Company  
reports separately, as assets and liabilities, investments held in separate 
accounts and liabilities of the separate accounts if:                       

.   such separate accounts are legally recognized;                          

 .   assets supporting the contract liabilities are legally insulated from the
Company's general account liabilities;                              

.   investments are directed by the contractholder; and                     

.   all investment performance, net of contract fees and assessments, is    
passed through to the contractholder.                               

 The Company reports separate account assets at their fair value, which is
based on the estimated fair values of the underlying assets comprising the  
individual separate account portfolios. Investment performance (including   
investment income, net investment gains (losses) and changes in unrealized  
gains (losses)) and the corresponding amounts credited to contractholders of
such separate accounts are offset within the same line on the statements of 
operations. Separate accounts credited with a contractual investment return 
are combined on a line-by-line basis with the Company's general account     
assets, liabilities, revenues and expenses and the accounting for these     
 investments is consistent with the methodologies described herein for similar
financial instruments held within the general account.                      

The Company's revenues reflect fees charged to the separate accounts,   
including mortality charges, risk charges, policy administration fees,      
investment management fees and surrender charges. Such fees are included in 
universal life and investment-type product policy fees on the statements of 
operations.                                                                 

Reclassifications                                                           

 Certain amounts in the prior years' consolidated financial statements and
related footnotes thereto have been reclassified to conform to the current  
year presentation as discussed throughout the Notes to the Consolidated     
Financial Statements.                                                       

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Summary of Significant Accounting Policies                                      

The following are the Company's significant accounting policies with        
references to notes providing additional information on such policies and       
critical accounting estimates relating to such policies.                        

                                                        [Enlarge/Download Table]
                                                                                             
---------------------------------------------------------------------------------------------
Accounting Policy                                                                        Note
---------------------------------------------------------------------------------------------
Insurance                                                                               4    
---------------------------------------------------------------------------------------------
Deferred Policy Acquisition Costs, Value of Business Acquired and Other Intangibles     5    
---------------------------------------------------------------------------------------------
Reinsurance                                                                             6    
---------------------------------------------------------------------------------------------
Investments                                                                             8    
---------------------------------------------------------------------------------------------
Derivatives                                                                             9    
---------------------------------------------------------------------------------------------
Fair Value                                                                              10   
---------------------------------------------------------------------------------------------
Employee Benefit Plans                                                                  14   
---------------------------------------------------------------------------------------------
Income Tax                                                                              15   
---------------------------------------------------------------------------------------------
Litigation Contingencies                                                                16   
---------------------------------------------------------------------------------------------

Insurance                                                                   

Future Policy Benefit Liabilities and Policyholder Account Balances       

 The Company establishes liabilities for amounts payable under insurance
  policies. Generally, amounts are payable over an extended period of time and
related liabilities are calculated as the present value of future expected
benefits to be paid, reduced by the present value of future expected      
premiums. Such liabilities are established based on methods and underlying
assumptions in accordance with GAAP and applicable actuarial standards.   
Principal assumptions used in the establishment of liabilities for future 
  policy benefits are mortality, morbidity, policy lapse, renewal, retirement,
disability incidence, disability terminations, investment returns,        
inflation, expenses and other contingent events as appropriate to the     
respective product type. These assumptions are established at the time the
 policy is issued and are intended to estimate the experience for the period
the policy benefits are payable. Utilizing these assumptions, liabilities 
are established on a block of business basis. For long-duration insurance 
contracts, assumptions such as mortality, morbidity and interest rates are
 "locked in" upon the issuance of new business. However, significant adverse
changes in experience on such contracts may require the establishment of  
 premium deficiency reserves. Such reserves are determined based on the then
current assumptions and do not include a provision for adverse deviation. 

Premium deficiency reserves may also be established for short-duration
  contracts to provide for expected future losses. These reserves are based on
  actuarial estimates of the amount of loss inherent in that period, including
 losses incurred for which claims have not been reported. The provisions for
unreported claims are calculated using studies that measure the historical
length of time between the incurred date of a claim and its eventual      
  reporting to the Company. Anticipated investment income is considered in the
calculation of premium deficiency losses for short-duration contracts.    

Liabilities for universal and variable life policies with secondary   
 guarantees and paid-up guarantees are determined by estimating the expected
 value of death benefits payable when the account balance is projected to be
zero and recognizing those benefits ratably over the life of the contract 
 based on total expected assessments. The assumptions used in estimating the
secondary and paid-up guarantee liabilities are consistent with those used
for amortizing deferred policy acquisition costs ("DAC"), and are thus    
subject to the same variability and risk as further discussed herein. The 
assumptions of investment performance and volatility for variable products
are consistent with historical experience of appropriate underlying equity
  indices, such as the S&P Global Ratings ("S&P") 500 Index. The benefits used
in calculating the liabilities are based on the average benefits payable  
over a range of scenarios.                                                

The Company regularly reviews its estimates of liabilities for future 
policy benefits and compares them with its actual experience. Differences 
 result in changes to the liability balances with related charges or credits
to benefit expenses in the period in which the changes occur.             

Policyholder account balances relate to contracts or contract features
where the Company has no significant insurance risk.                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

The Company issues directly and assumes through reinsurance variable  
annuity products with guaranteed minimum benefits that provide the        
policyholder a minimum return based on their initial deposit adjusted for 
 withdrawals. These guarantees are accounted for as insurance liabilities or
as embedded derivatives depending on how and when the benefit is paid.    
Specifically, a guarantee is accounted for as an embedded derivative if a 
guarantee is paid without requiring (i) the occurrence of a specific      
insurable event, or (ii) the policyholder to annuitize. Alternatively, a  
guarantee is accounted for as an insurance liability if the guarantee is  
paid only upon either (i) the occurrence of a specific insurable event, or
 (ii) annuitization. In certain cases, a guarantee may have elements of both
an insurance liability and an embedded derivative and in such cases the   
guarantee is split and accounted for under both models.                   

Guarantees accounted for as insurance liabilities in future policy    
benefits include guaranteed minimum death benefits ("GMDBs"), the         
  life-contingent portion of guaranteed minimum withdrawal benefits ("GMWBs"),
 elective annuitizations of guaranteed minimum income benefits ("GMIBs") and
the life contingent portion of GMIBs that require annuitization when the  
account balance goes to zero.                                             

  Guarantees accounted for as embedded derivatives in policyholder account
balances include guaranteed minimum accumulation benefits ("GMABs"), the  
non-life contingent portion of GMWBs and certain non-life contingent      
portions of GMIBs. At inception, the Company attributes to the embedded   
 derivative a portion of the projected future guarantee fees to be collected
from the policyholder equal to the present value of projected future      
guaranteed benefits. Any additional fees represent "excess" fees and are  
reported in universal life and investment-type product policy fees.       

Other Policy-Related Balances                                             

    Other policy-related balances include policy and contract claims, premiums
  received in advance, unearned revenue liabilities, obligations assumed under
structured settlement assignments, policyholder dividends due and unpaid, 
and policyholder dividends left on deposit.                               

    The liability for policy and contract claims generally relates to incurred
but not reported ("IBNR") death, disability, long-term care and dental    
 claims, as well as claims which have been reported but not yet settled. The
  liability for these claims is based on the Company's estimated ultimate cost
  of settling all claims. The Company derives estimates for the development of
IBNR claims principally from analyses of historical patterns of claims by 
  business line. The methods used to determine these estimates are continually
reviewed. Adjustments resulting from this continuous review process and   
differences between estimates and payments for claims are recognized in   
policyholder benefits and claims expense in the period in which the       
estimates are changed or payments are made.                               

The Company accounts for the prepayment of premiums on its individual 
life, group life and health contracts as premiums received in advance and 
applies the cash received to premiums when due.                           

The unearned revenue liability relates to universal life-type and     
investment-type products and represents policy charges for services to be 
  provided in future periods. The charges are deferred as unearned revenue and
amortized using the product's estimated gross profits and margins, similar
to DAC as discussed further herein. Such amortization is recorded in      
universal life and investment-type product policy fees.                   

See Note 4 for additional information on obligations assumed under    
structured settlement assignments.                                        

Recognition of Insurance Revenues and Deposits                            

Premiums related to traditional life and annuity contracts with life  
contingencies are recognized as revenues when due from policyholders.     
Policyholder benefits and expenses are provided to recognize profits over 
 the estimated lives of the insurance policies. When premiums are due over a
significantly shorter period than the period over which benefits are      
provided, any excess profit is deferred and recognized into earnings in a 
  constant relationship to insurance in-force or, for annuities, the amount of
expected future policy benefit payments.                                  

Premiums related to short-duration non-medical health, disability and 
accident & health contracts are recognized on a pro rata basis over the   
applicable contract term.                                                 

  Deposits related to universal life-type and investment-type products are
credited to policyholder account balances. Revenues from such contracts   
consist of fees for mortality, policy administration and surrender charges
and are recorded in universal life and investment-type product policy fees
in the period in which services are provided. Amounts that are charged to 
 earnings include interest credited and benefit claims incurred in excess of
related policyholder account balances.                                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

    All revenues and expenses are presented net of reinsurance, as applicable.

Deferred Policy Acquisition Costs, Value of Business Acquired and Other     
Intangibles                                                                     

 The Company incurs significant costs in connection with acquiring new and
 renewal insurance business. Costs that are related directly to the successful
acquisition or renewal of insurance contracts are capitalized as DAC. Such  
costs include:                                                              

.   incremental direct costs of contract acquisition, such as commissions;  

.   the portion of an employee's total compensation and benefits related to 
  time spent selling, underwriting or processing the issuance of new and
    renewal insurance business only with respect to actual policies acquired
or renewed; and                                                     

.   other essential direct costs that would not have been incurred had a    
policy not been acquired or renewed.                                

All other acquisition-related costs, including those related to general 
advertising and solicitation, market research, agent training, product      
development, unsuccessful sales and underwriting efforts, as well as all    
indirect costs, are expensed as incurred.                                   

   Value of business acquired ("VOBA") is an intangible asset resulting from a
business combination that represents the excess of book value over the      
estimated fair value of acquired insurance, annuity, and investment-type    
contracts in-force at the acquisition date. The estimated fair value of the 
acquired liabilities is based on projections, by each block of business, of 
future policy and contract charges, premiums, mortality and morbidity,      
separate account performance, surrenders, operating expenses, investment    
returns, nonperformance risk adjustment and other factors. Actual experience
on the purchased business may vary from these projections.                  

DAC and VOBA are amortized as follows:                                  

Products:                              In proportion to the following over    
                                 estimated lives of the contracts:
------------------------------------------------------------------------------
. Nonparticipating and                   Actual and expected future gross     
non-dividend-paying traditional        premiums.                          
contracts:                                                                
.  Term insurance                                                           
.  Nonparticipating whole life                                              
insurance                                                             
.  Traditional group life insurance                                         
.  Non-medical health insurance                                             
------------------------------------------------------------------------------
. Participating, dividend-paying         Actual and expected future gross     
traditional contracts                  margins.                           
------------------------------------------------------------------------------
. Fixed and variable universal life      Actual and expected future gross     
contracts                              profits.                           
. Fixed and variable deferred annuity                                         
contracts                                                                 

See Note 5 for additional information on DAC and VOBA amortization.     
Amortization of DAC and VOBA is included in other expenses.                 

  The recovery of DAC and VOBA is dependent upon the future profitability of
 the related business. DAC and VOBA are aggregated on the financial statements
for reporting purposes.                                                     

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

The Company generally has two different types of sales inducements which
are included in other assets: (i) the policyholder receives a bonus whereby 
 the policyholder's initial account balance is increased by an amount equal to
a specified percentage of the customer's deposit; and (ii) the policyholder 
receives a higher interest rate using a dollar cost averaging method than   
would have been received based on the normal general account interest rate  
credited. The Company defers sales inducements and amortizes them over the  
life of the policy using the same methodology and assumptions used to       
amortize DAC. The amortization of sales inducements is included in          
policyholder benefits and claims. Each year, or more frequently if          
circumstances indicate a potential recoverability issue exists, the Company 
 reviews deferred sales inducements ("DSI") to determine the recoverability of
the asset.                                                                  

Value of distribution agreements acquired ("VODA") is reported in other 
 assets and represents the present value of expected future profits associated
with the expected future business derived from the distribution agreements  
acquired as part of a business combination. Value of customer relationships 
acquired ("VOCRA") is also reported in other assets and represents the      
present value of the expected future profits associated with the expected   
future business acquired through existing customers of the acquired company 
or business. The VODA and VOCRA associated with past business combinations  
are amortized over useful lives ranging from 10 to 30 years and such        
amortization is included in other expenses. Each year, or more frequently if
 circumstances indicate a possible impairment exists, the Company reviews VODA
and VOCRA to determine whether the asset is impaired.                       

Reinsurance                                                                 

  For each of its reinsurance agreements, the Company determines whether the
agreement provides indemnification against loss or liability relating to    
insurance risk in accordance with applicable accounting standards. Cessions 
under reinsurance agreements do not discharge the Company's obligations as  
the primary insurer. The Company reviews all contractual features, including
those that may limit the amount of insurance risk to which the reinsurer is 
subject or features that delay the timely reimbursement of claims.          

   For reinsurance of existing in-force blocks of long-duration contracts that
transfer significant insurance risk, the difference, if any, between the    
amounts paid (received), and the liabilities ceded (assumed) related to the 
underlying contracts is considered the net cost of reinsurance at the       
inception of the reinsurance agreement. The net cost of reinsurance is      
recorded as an adjustment to DAC when there is a gain at inception on the   
ceding entity, and to other liabilities when there is a loss at inception.  
The net cost of reinsurance is recognized as a component of other expenses  
when there is a gain at inception, and as policyholder benefits and claims  
when there is a loss at inception and is subsequently amortized on a basis  
consistent with the methodology used for amortizing DAC related to the      
underlying reinsured contracts. Subsequent amounts paid (received) on the   
 reinsurance of in-force blocks, as well as amounts paid (received) related to
new business, are recorded as ceded (assumed) premiums; and ceded (assumed) 
premiums, reinsurance and other receivables (future policy benefits) are    
established.                                                                

For prospective reinsurance of short-duration contracts that meet the   
criteria for reinsurance accounting, amounts paid (received) are recorded as
ceded (assumed) premiums and ceded (assumed) unearned premiums. Unearned    
premiums are reflected as a component of premiums, reinsurance and other    
receivables (future policy benefits). Such amounts are amortized through    
earned premiums over the remaining contract period in proportion to the     
amount of insurance protection provided. For retroactive reinsurance of     
short-duration contracts that meet the criteria of reinsurance accounting,  
amounts paid (received) in excess of the related insurance liabilities      
ceded (assumed) are recognized immediately as a loss and are reported in the
appropriate line item within the statement of operations. Any gain on such  
retroactive agreement is deferred and is amortized as part of DAC, primarily
using the recovery method.                                                  

  Amounts currently recoverable under reinsurance agreements are included in
 premiums, reinsurance and other receivables and amounts currently payable are
 included in other liabilities. Assets and liabilities relating to reinsurance
agreements with the same reinsurer may be recorded net on the balance sheet,
if a right of offset exists within the reinsurance agreement. In the event  
that reinsurers do not meet their obligations to the Company under the terms
of the reinsurance agreements, reinsurance recoverable balances could become
 uncollectible. In such instances, reinsurance recoverable balances are stated
net of allowances for uncollectible reinsurance.                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

  The funds withheld liability represents amounts withheld by the Company in
accordance with the terms of the reinsurance agreements. The Company        
withholds the funds rather than transferring the underlying investments and,
as a result, records funds withheld liability within other liabilities. The 
 Company recognizes interest on funds withheld, included in other expenses, at
rates defined by the terms of the agreement which may be contractually      
specified or directly related to the investment portfolio.                  

   Premiums, fees and policyholder benefits and claims include amounts assumed
under reinsurance agreements and are net of reinsurance ceded. Amounts      
received from reinsurers for policy administration are reported in other    
revenues. With respect to GMIBs, a portion of the directly written GMIBs are
accounted for as insurance liabilities, but the associated reinsurance      
agreements contain embedded derivatives. These embedded derivatives are     
included in premiums, reinsurance and other receivables with changes in     
estimated fair value reported in net derivative gains (losses). Certain     
assumed GMWB, GMAB and GMIB are also accounted for as embedded derivatives  
with changes in estimated fair value reported in net derivative gains       
(losses).                                                                   

  If the Company determines that a reinsurance agreement does not expose the
reinsurer to a reasonable possibility of a significant loss from insurance  
risk, the Company records the agreement using the deposit method of         
accounting. Deposits received are included in other liabilities and deposits
made are included within premiums, reinsurance and other receivables. As    
amounts are paid or received, consistent with the underlying contracts, the 
deposit assets or liabilities are adjusted. Interest on such deposits is    
recorded as other revenues or other expenses, as appropriate. Periodically, 
 the Company evaluates the adequacy of the expected payments or recoveries and
adjusts the deposit asset or liability through other revenues or other      
expenses, as appropriate.                                                   

Investments                                                                 

Net Investment Income and Net Investment Gains (Losses)                   

  Income from investments is reported within net investment income, unless
otherwise stated herein. Gains and losses on sales of investments,        
impairment losses and changes in valuation allowances are reported within 
net investment gains (losses), unless otherwise stated herein.            

Fixed Maturity Securities                                                 

   The majority of the Company's fixed maturity securities are classified as
available-for-sale ("AFS") and are reported at their estimated fair value.
  Unrealized investment gains and losses on these securities are recorded as a
separate component of other comprehensive income (loss) ("OCI"), net of   
 policy-related amounts and deferred income taxes. All security transactions
 are recorded on a trade date basis. Sales of securities are determined on a
specific identification basis.                                            

  Interest income and prepayment fees are recognized when earned. Interest
income is recognized using an effective yield method giving effect to     
amortization of premium and accretion of discount, and is based on the    
estimated economic life of the securities, which for mortgage-backed and  
asset-backed securities considers the estimated timing and amount of      
prepayments of the underlying loans. See Note 8 "-- Fixed Maturity        
Securities AFS -- Methodology for Amortization of Premium and Accretion of
Discount on Structured Securities." The amortization of premium and       
  accretion of discount also takes into consideration call and maturity dates.

 The Company periodically evaluates these securities for impairment. The
assessment of whether impairments have occurred is based on management's  
case-by-case evaluation of the underlying reasons for the decline in      
 estimated fair value, as well as an analysis of the gross unrealized losses
 by severity and/or age as described in Note 8 "-- Fixed Maturity Securities
AFS -- Evaluation of Fixed Maturity Securities AFS for OTTI and Evaluating
Temporarily Impaired Fixed Maturity Securities AFS."                      

For securities in an unrealized loss position, an other-than-temporary
impairment ("OTTI") is recognized in earnings within net investment gains 
(losses) when it is anticipated that the amortized cost will not be       
  recovered. When either: (i) the Company has the intent to sell the security;
  or (ii) it is more likely than not that the Company will be required to sell
 the security before recovery, the OTTI recognized in earnings is the entire
difference between the security's amortized cost and estimated fair value.
 If neither of these conditions exists, the difference between the amortized
cost of the security and the present value of projected future cash flows 
expected to be collected is recognized as an OTTI in earnings ("credit    
loss"). If the estimated fair value is less than the present value of     
projected future cash flows expected to be collected, this portion of OTTI
 related to other-than-credit factors ("noncredit loss") is recorded in OCI.

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Equity Securities                                                         

    Equity securities are reported at their estimated fair value, with changes
 in estimated fair value included in net investment gains (losses). Sales of
 securities are determined on a specific identification basis. Dividends are
recognized in net investment income when declared.                        

Mortgage Loans                                                            

The Company disaggregates its mortgage loan investments into three    
  portfolio segments: commercial, agricultural and residential. The accounting
policies that are applicable to all portfolio segments are presented below
and the accounting policies related to each of the portfolio segments are 
included in Note 8.                                                       

 Mortgage loans are stated at unpaid principal balance, adjusted for any
unamortized premium or discount, deferred fees or expenses, and are net of
valuation allowances. Interest income and prepayment fees are recognized  
when earned. Interest income is recognized using an effective yield method
giving effect to amortization of premium and accretion of discount.       

  Also included in mortgage loans are residential mortgage loans for which
 the fair value option ("FVO") was elected and which are stated at estimated
  fair value. Changes in estimated fair value are recognized in net investment
income.                                                                   

Policy Loans                                                              

  Policy loans are stated at unpaid principal balances. Interest income is
recorded as earned using the contractual interest rate. Generally, accrued
interest is capitalized on the policy's anniversary date. Valuation       
allowances are not established for policy loans, as they are fully        
collateralized by the cash surrender value of the underlying insurance    
policies. Any unpaid principal and accrued interest is deducted from the  
cash surrender value or the death benefit prior to settlement of the      
insurance policy.                                                         

Real Estate                                                               

Real estate held-for-investment is stated at cost less accumulated    
depreciation. Depreciation is recorded on a straight-line basis over the  
  estimated useful life of the asset (typically 20 to 55 years). Rental income
is recognized on a straight-line basis over the term of the respective    
  leases. The Company periodically reviews its real estate held-for-investment
for impairment and tests for recoverability whenever events or changes in 
  circumstances indicate the carrying value may not be recoverable. Properties
whose carrying values are greater than their undiscounted cash flows are  
written down to their estimated fair value, which is generally computed   
using the present value of expected future cash flows discounted at a rate
commensurate with the underlying risks.                                   

Real estate for which the Company commits to a plan to sell within one
  year and actively markets in its current condition for a reasonable price in
 comparison to its estimated fair value is classified as held-for-sale. Real
  estate held-for-sale is stated at the lower of depreciated cost or estimated
fair value less expected disposition costs and is not depreciated.        

Real Estate Joint Ventures and Other Limited Partnership Interests        

The Company uses the equity method of accounting for real estate joint
ventures and other limited partnership interests ("investee") when it has 
  more than a minor ownership interest or more than a minor influence over the
investee's operations. The Company generally recognizes its share of the  
investee's earnings in net investment income on a three-month lag in      
instances where the investee's financial information is not sufficiently  
timely or when the investee's reporting period differs from the Company's 
reporting period.                                                         

 The Company accounts for its interest in real estate joint ventures and
other limited partnership interests in which it has virtually no influence
over the investee's operations at fair value. Changes in estimated fair   
value of these investments are included in net investment gains (losses). 
Because of the nature and structure of these investments, they do not meet
the characteristics of an equity security in accordance with applicable   
accounting standards.                                                     

The Company routinely evaluates its equity method investments for     
  impairment. For equity method investees, the Company considers financial and
other information provided by the investee, other known information and   
inherent risks in the underlying investments, as well as future capital   
commitments, in determining whether an impairment has occurred.           

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Short-term Investments                                                    

Short-term investments include highly liquid securities and other     
 investments with remaining maturities of one year or less, but greater than
  three months, at the time of purchase. Securities included within short-term
investments are stated at estimated fair value, while other investments   
included within short-term investments are stated at amortized cost, which
approximates estimated fair value. Short-term investments also include    
investments in affiliated money market pools.                             

Other Invested Assets                                                     

Other invested assets consist principally of the following:         

.  Freestanding derivatives with positive estimated fair values which are 
described in "-- Derivatives" below.                                

.  Tax credit and renewable energy partnerships which derive a significant
  source of investment return in the form of income tax credits or other
    tax incentives. Where tax credits are guaranteed by a creditworthy third
    party, the investment is accounted for under the effective yield method.
   Otherwise, the investment is accounted for under the equity method. See
Note 15.                                                            

 .  Affiliated investments include affiliated loans and affiliated preferred
    stock. Affiliated loans are stated at unpaid principal balance, adjusted
  for any unamortized premium or discount. Interest income is recognized
    using an effective yield method giving effect to amortization of premium
    and accretion of discount. Affiliated preferred stock is stated at cost.
Dividends are recognized in net investment income when declared.    

.  Annuities funding structured settlement claims represent annuities     
 funding claims assumed by the Company in its capacity as a structured
settlements assignment company. The annuities are stated at their   
     contract value, which represents the present value of the future periodic
claim payments to be provided. The net investment income recognized 
reflects the amortization of discount of the annuity at its implied 
effective interest rate. See Note 4.                                

.  Leveraged leases net investment is equal to the minimum lease payments 
  plus the unguaranteed residual value, less the unearned income, and is
   recorded net of non-recourse debt. Income is determined by applying the
   leveraged lease's estimated rate of return to the net investment in the
  lease in those periods in which the net investment at the beginning of
 the period is positive. Leveraged leases derive investment returns in
part from their income tax treatment. The Company regularly reviews 
residual values for impairment.                                     

.  Investments in Federal Home Loan Bank ("FHLB") common stock are carried
at redemption value and are considered restricted investments until 
redeemed by the respective FHLB regional banks ("FHLBanks").        

.  Investment in an operating joint venture that engages in insurance     
underwriting activities accounted for under the equity method.      

  .  Fair value option securities ("FVO Securities") are primarily investments
  in fixed maturity securities held-for-investment that are managed on a
total return basis where the FVO has been elected, with changes in  
estimated fair value, included in net investment income.            

.  Direct financing leases net investment is equal to the minimum lease   
payments plus the unguaranteed residual value, less unearned income.
   Income is determined by applying the pre-tax internal rate of return to
   the investment balance. The Company regularly reviews lease receivables
for impairment.                                                     

 .  Funds withheld represent a receivable for amounts contractually withheld
by ceding companies in accordance with reinsurance agreements. The  
 Company recognizes interest on funds withheld at rates defined by the
   terms of the agreement which may be contractually specified or directly
related to the underlying investments.                              

Securities Lending and Repurchase Agreements                              

 The Company accounts for securities lending transactions and repurchase
agreements as financing arrangements and the associated liability is      
  recorded at the amount of cash received. Income and expenses associated with
securities lending transactions and repurchase agreements are reported as 
investment income and investment expense, respectively, within net        
investment income.                                                        

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Securities Lending                                                        

    The Company enters into securities lending transactions, whereby blocks of
securities are loaned to third parties, primarily brokerage firms and     
commercial banks. The Company obtains collateral at the inception of the  
loan, usually cash, in an amount generally equal to 102% of the estimated 
fair value of the securities loaned, and maintains it at a level greater  
 than or equal to 100% for the duration of the loan. Securities loaned under
such transactions may be sold or re-pledged by the transferee. The Company
is liable to return to the counterparties the cash collateral received.   
Security collateral on deposit from counterparties in connection with     
securities lending transactions may not be sold or re-pledged, unless the 
 counterparty is in default, and is not reflected on the Company's financial
 statements. The Company monitors the estimated fair value of the securities
loaned on a daily basis and additional collateral is obtained as necessary
throughout the duration of the loan.                                      

Repurchase Agreements                                                     

The Company participates in short-term repurchase agreements with     
unaffiliated financial institutions. Under these agreements, the Company  
  lends fixed maturity securities and receives cash as collateral in an amount
  generally equal to 95% to 100% of the estimated fair value of the securities
loaned at the inception of the transaction. The Company monitors the      
 estimated fair value of the collateral and the securities loaned throughout
the duration of the transaction and additional collateral is obtained as  
necessary. Securities loaned under such transactions may be sold or       
re-pledged by the transferee.                                             

Derivatives                                                                 

Freestanding Derivatives                                                  

    Freestanding derivatives are carried on the Company's balance sheet either
as assets within other invested assets or as liabilities within other     
liabilities at estimated fair value. The Company does not offset the      
estimated fair value amounts recognized for derivatives executed with the 
same counterparty under the same master netting agreement.                

Accruals on derivatives are generally recorded in accrued investment  
  income or within other liabilities. However, accruals that are not scheduled
 to settle within one year are included with the derivative's carrying value
in other invested assets or other liabilities.                            

  If a derivative is not designated as an accounting hedge or its use in
managing risk does not qualify for hedge accounting, changes in the       
estimated fair value of the derivative are reported in net derivative     
gains (losses) except as follows:                                         

                                                        [Enlarge/Download Table]
                                                                                                           
Statement of Operations Presentation:  Derivative:                                                         
-----------------------------------------------------------------------------------------------------------
Policyholder benefits and claims       Economic hedges of variable annuity guarantees included in future   
                                           policy benefits                                                 
-----------------------------------------------------------------------------------------------------------
Net investment income                  Economic hedges of equity method investments in joint ventures      
                                       All derivatives held in relation to trading portfolios              
-----------------------------------------------------------------------------------------------------------

Hedge Accounting                                                          

To qualify for hedge accounting, at the inception of the hedging    
relationship, the Company formally documents its risk management objective
and strategy for undertaking the hedging transaction, as well as its      
designation of the hedge. Hedge designation and financial statement       
presentation of changes in estimated fair value of the hedging derivatives
are as follows:                                                           

.   Fair value hedge (a hedge of the estimated fair value of a recognized   
   asset or liability) - in net derivative gains (losses), consistent with
     the change in estimated fair value of the hedged item attributable to the
designated risk being hedged.                                       

.   Cash flow hedge (a hedge of a forecasted transaction or of the          
    variability of cash flows to be received or paid related to a recognized
   asset or liability) - effectiveness in OCI (deferred gains or losses on
     the derivative are reclassified into the statement of operations when the
   Company's earnings are affected by the variability in cash flows of the
hedged item); ineffectiveness in net derivative gains (losses).     

The changes in estimated fair values of the hedging derivatives are   
exclusive of any accruals that are separately reported on the statement of
 operations within interest income or interest expense to match the location
of the hedged item.                                                       

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

In its hedge documentation, the Company sets forth how the hedging    
instrument is expected to hedge the designated risks related to the hedged
item and sets forth the method that will be used to retrospectively and   
prospectively assess the hedging instrument's effectiveness and the method
that will be used to measure ineffectiveness. A derivative designated as a
 hedging instrument must be assessed as being highly effective in offsetting
the designated risk of the hedged item. Hedge effectiveness is formally   
assessed at inception and at least quarterly throughout the life of the   
designated hedging relationship. Assessments of hedge effectiveness and   
measurements of ineffectiveness are also subject to interpretation and    
estimation and different interpretations or estimates may have a material 
effect on the amount reported in net income.                              

 The Company discontinues hedge accounting prospectively when: (i) it is
determined that the derivative is no longer highly effective in offsetting
  changes in the estimated fair value or cash flows of a hedged item; (ii) the
  derivative expires, is sold, terminated, or exercised; (iii) it is no longer
probable that the hedged forecasted transaction will occur; or (iv) the   
derivative is de-designated as a hedging instrument.                      

 When hedge accounting is discontinued because it is determined that the
derivative is not highly effective in offsetting changes in the estimated 
fair value or cash flows of a hedged item, the derivative continues to be 
carried on the balance sheet at its estimated fair value, with changes in 
estimated fair value recognized in net derivative gains (losses). The     
carrying value of the hedged recognized asset or liability under a fair   
value hedge is no longer adjusted for changes in its estimated fair value 
 due to the hedged risk, and the cumulative adjustment to its carrying value
is amortized into income over the remaining life of the hedged item.      
 Provided the hedged forecasted transaction is still probable of occurrence,
the changes in estimated fair value of derivatives recorded in OCI related
to discontinued cash flow hedges are released into the statement of       
operations when the Company's earnings are affected by the variability in 
cash flows of the hedged item.                                            

When hedge accounting is discontinued because it is no longer probable
that the forecasted transactions will occur on the anticipated date or    
within two months of that date, the derivative continues to be carried on 
the balance sheet at its estimated fair value, with changes in estimated  
fair value recognized currently in net derivative gains (losses). Deferred
gains and losses of a derivative recorded in OCI pursuant to the          
discontinued cash flow hedge of a forecasted transaction that is no longer
probable are recognized immediately in net derivative gains (losses).     

In all other situations in which hedge accounting is discontinued, the
  derivative is carried at its estimated fair value on the balance sheet, with
 changes in its estimated fair value recognized in the current period as net
derivative gains (losses).                                                

Embedded Derivatives                                                      

The Company sells variable annuities and issues certain insurance   
products and investment contracts and is a party to certain reinsurance   
agreements that have embedded derivatives. The Company assesses each      
identified embedded derivative to determine whether it is required to be  
  bifurcated. The embedded derivative is bifurcated from the host contract and
accounted for as a freestanding derivative if:                            

  .  the combined instrument is not accounted for in its entirety at estimated
 fair value with changes in estimated fair value recorded in earnings;

 .  the terms of the embedded derivative are not clearly and closely related
to the economic characteristics of the host contract; and           

.  a separate instrument with the same terms as the embedded derivative   
would qualify as a derivative instrument.                           

 Such embedded derivatives are carried on the balance sheet at estimated
 fair value with the host contract and changes in their estimated fair value
are generally reported in net derivative gains (losses). If the Company is
unable to properly identify and measure an embedded derivative for        
separation from its host contract, the entire contract is carried on the  
 balance sheet at estimated fair value, with changes in estimated fair value
recognized in the current period in net investment gains (losses) or net  
investment income. Additionally, the Company may elect to carry an entire 
contract on the balance sheet at estimated fair value, with changes in    
estimated fair value recognized in the current period in net investment   
gains (losses) or net investment income if that contract contains an      
embedded derivative that requires bifurcation. At inception, the Company  
attributes to the embedded derivative a portion of the projected future   
guarantee fees to be collected from the policyholder equal to the present 
  value of projected future guaranteed benefits. Any additional fees represent
  "excess" fees and are reported in universal life and investment-type product
policy fees.                                                              

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Fair Value                                                                  

  Fair value is defined as the price that would be received to sell an asset
or paid to transfer a liability (an exit price) in the principal or most    
advantageous market for the asset or liability in an orderly transaction    
between market participants on the measurement date. In most cases, the exit
price and the transaction (or entry) price will be the same at initial      
recognition.                                                                

Subsequent to initial recognition, fair values are based on unadjusted  
quoted prices for identical assets or liabilities in active markets that are
readily and regularly obtainable. When such unadjusted quoted prices are not
available, estimated fair values are based on quoted prices in markets that 
are not active, quoted prices for similar but not identical assets or       
liabilities, or other observable inputs. If these inputs are not available, 
or observable inputs are not determinable, unobservable inputs and/or       
adjustments to observable inputs requiring management's judgment are used to
determine the estimated fair value of assets and liabilities.               

Employee Benefit Plans                                                      

Through September 30, 2018, the Company sponsored and/or administered   
various qualified and nonqualified defined benefit pension plans and other  
postretirement employee benefit plans covering eligible employees who meet  
specified eligibility requirements of the sponsor and its participating     
affiliates. A December 31 measurement date is used for all of the Company's 
defined benefit pension and other postretirement benefit plans.             

As of October 1, 2018, except for the nonqualified defined pension plan,
 the plan sponsor was changed from the Company to an affiliate. Following such
change, the Company remains a participating affiliate in these plans.       
Accordingly, beginning October 1, 2018, the Company's obligation and expense
related to such plans is limited to the amount of associated expense        
allocated to it as a participating affiliate.                               

The Company recognizes the funded status of each of its defined benefit 
pension and other postretirement benefit plans, measured as the difference  
between the fair value of plan assets and the benefit obligation, which is  
the projected benefit obligation ("PBO") for pension benefits and the       
accumulated postretirement benefit obligation ("APBO") for other            
postretirement benefits in other assets or other liabilities.               

Actuarial gains and losses result from differences between the actual   
experience and the assumed experience on plan assets or PBO during a        
 particular period and are recorded in accumulated OCI ("AOCI"). To the extent
such gains and losses exceed 10% of the greater of the PBO or the estimated 
fair value of plan assets, the excess is amortized into net periodic benefit
costs, generally over the average projected future service years of the     
 active employees. In addition, prior service costs (credit) are recognized in
AOCI at the time of the amendment and then amortized to net periodic benefit
  costs over the average projected future service years of the active employees.

  Net periodic benefit costs are determined using management's estimates and
actuarial assumptions and are comprised of service cost, interest cost,     
settlement and curtailment costs, expected return on plan assets,           
amortization of net actuarial (gains) losses, and amortization of prior     
service costs (credit). Fair value is used to determine the expected return 
on plan assets.                                                             

   Through September 30, 2018, the Company also sponsored defined contribution
plans for substantially all employees under which a portion of employee     
contributions is matched. Applicable matching contributions were made each  
payroll period. Accordingly, the Company recognized compensation cost for   
current matching contributions. As of October 1, 2018, except for the       
 nonqualified defined contribution plan, the plan sponsor was changed from the
Company to an affiliate.                                                    

See Note 14 for information on the plan sponsor change.                 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Income Tax                                                                  

Metropolitan Life Insurance Company and its includable subsidiaries join
with MetLife, Inc. and its includable subsidiaries in filing a consolidated 
U.S. life insurance and non-life insurance federal income tax return in     
accordance with the provisions of the Internal Revenue Code of 1986, as     
amended. Current taxes (and the benefits of tax attributes such as losses)  
are allocated to Metropolitan Life Insurance Company and its subsidiaries   
under the consolidated tax return regulations and a tax sharing             
agreement. Under the consolidated tax return regulations, MetLife, Inc. has 
elected the "percentage method" (and 100% under such method) of reimbursing 
companies for tax attributes, e.g., net operating losses. As a result, 100% 
of tax attributes are reimbursed by MetLife, Inc. to the extent that        
consolidated federal income tax of the consolidated federal tax return group
is reduced in a year by tax attributes. On an annual basis, each of the     
 profitable subsidiaries pays to MetLife, Inc. the federal income tax which it
would have paid based upon that year's taxable income. If Metropolitan Life 
Insurance Company or its includable subsidiaries has current or prior       
 deductions and credits (including but not limited to losses) which reduce the
consolidated tax liability of the consolidated federal tax return group, the
deductions and credits are characterized as realized (or realizable) by     
Metropolitan Life Insurance Company and its includable subsidiaries when    
 those tax attributes are realized (or realizable) by the consolidated federal
tax return group, even if Metropolitan Life Insurance Company or its        
includable subsidiaries would not have realized the attributes on a         
stand-alone basis under a "wait and see" method.                            

The Company's accounting for income taxes represents management's best  
estimate of various events and transactions.                                

Deferred tax assets and liabilities resulting from temporary differences
between the financial reporting and tax bases of assets and liabilities are 
measured at the balance sheet date using enacted tax rates expected to apply
to taxable income in the years the temporary differences are expected to    
reverse.                                                                    

The realization of deferred tax assets depends upon the existence of    
sufficient taxable income within the carryback or carryforward periods under
the tax law in the applicable tax jurisdiction. Valuation allowances are    
established against deferred tax assets when management determines, based on
available information, that it is more likely than not that deferred income 
tax assets will not be realized. Significant judgment is required in        
determining whether valuation allowances should be established, as well as  
the amount of such allowances. When making such determination, the Company  
considers many factors, including:                                          

.   the nature, frequency, and amount of cumulative financial reporting     
income and losses in recent years;                                  

.   the jurisdiction in which the deferred tax asset was generated;         

.   the length of time that carryforward can be utilized in the various     
taxing jurisdictions;                                               

.   future taxable income exclusive of reversing temporary differences and  
carryforwards;                                                      

.   future reversals of existing taxable temporary differences;             

.   taxable income in prior carryback years; and                            

.   tax planning strategies.                                                

 The Company may be required to change its provision for income taxes when
estimates used in determining valuation allowances on deferred tax assets   
significantly change or when receipt of new information indicates the need  
for adjustment in valuation allowances. Additionally, the effect of changes 
 in tax laws, tax regulations, or interpretations of such laws or regulations,
is recognized in net income tax expense (benefit) in the period of change.  

The Company determines whether it is more likely than not that a tax    
position will be sustained upon examination by the appropriate taxing       
authorities before any part of the benefit can be recorded on the financial 
statements. A tax position is measured at the largest amount of benefit that
is greater than 50% likely of being realized upon settlement. Unrecognized  
tax benefits due to tax uncertainties that do not meet the threshold are    
included within other liabilities and are charged to earnings in the period 
that such determination is made.                                            

The Company classifies interest recognized as interest expense and      
penalties recognized as a component of income tax expense.                  

On December 22, 2017, President Trump signed into law H.R. 1, commonly  
referred to as the Tax Cuts and Jobs Act of 2017 ("U.S. Tax Reform"). See   
Note 15 for additional information on U.S. Tax Reform and related Staff     
Accounting Bulletin ("SAB") 118 provisional amounts.                        

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Litigation Contingencies                                                    

 The Company is a defendant in a large number of litigation matters and is
involved in a number of regulatory investigations. Given the large and/or   
indeterminate amounts sought in certain of these matters and the inherent   
unpredictability of litigation, it is possible that an adverse outcome in   
certain matters could, from time to time, have a material effect on the     
Company's consolidated net income or cash flows in particular quarterly or  
annual periods. Liabilities are established when it is probable that a loss 
has been incurred and the amount of the loss can be reasonably estimated.   
Except as otherwise disclosed in Note 16, legal costs are recognized as     
incurred. On a quarterly and annual basis, the Company reviews relevant     
information with respect to liabilities for litigation, regulatory          
investigations and litigation-related contingencies to be reflected on the  
Company's consolidated financial statements.                                

Other Accounting Policies                                                   

Stock-Based Compensation                                                  

The Company recognizes stock-based compensation on its consolidated   
results of operations based on MetLife, Inc.'s allocation. MetLife, Inc.  
  applies the accounting policies described below to determine those expenses.

MetLife, Inc. grants certain employees stock-based compensation awards
under various plans that are subject to specific vesting conditions.      
MetLife, Inc. measures the cost of all stock-based transactions at fair   
value at the grant date and recognizes it over the period during which a  
grantee must provide services in exchange for the award. MetLife, Inc.    
remeasures performance shares and cash-payable awards quarterly. Employees
who meet certain age-and-service criteria receive payment or may exercise 
their awards regardless of ending employment. However, the award's payment
  or exercisability takes place at the originally-scheduled time, i.e., is not
  accelerated. As a result, the award does not require the employee to provide
any substantive service after attaining those age-and-service criteria.   
Accordingly, MetLife, Inc. recognizes compensation expense related to     
stock-based awards from the beginning of the vesting to the earlier of the
end of the vesting period or the date the employee attains the            
  age-and-service criteria. MetLife, Inc. incorporates an estimation of future
forfeitures of stock-based awards into the determination of compensation  
expense when recognizing expense over the requisite service period.       

Cash and Cash Equivalents                                                 

The Company considers highly liquid securities and other investments  
 purchased with an original or remaining maturity of three months or less at
  the date of purchase to be cash equivalents. Securities included within cash
equivalents are stated at estimated fair value, while other investments   
included within cash equivalents are stated at amortized cost, which      
approximates estimated fair value.                                        

Property, Equipment, Leasehold Improvements and Computer Software         

Property, equipment and leasehold improvements, which are included in 
other assets, are stated at cost, less accumulated depreciation and       
  amortization. Depreciation is determined using the straight-line method over
  the estimated useful lives of the assets, as appropriate. The estimated life
  is generally 40 years for company occupied real estate property, from one to
25 years for leasehold improvements, and from three to seven years for all
 other property and equipment. The cost basis of the property, equipment and
leasehold improvements was $926 million and $1.2 billion at December 31,  
2018 and 2017, respectively. Accumulated depreciation and amortization of 
property, equipment and leasehold improvements was $572 million and       
$614 million at December 31, 2018 and 2017, respectively. Related         
depreciation and amortization expense was $81 million, $124 million and   
$139 million for the years ended December 31, 2018, 2017 and 2016,        
respectively.                                                             

  Computer software, which is included in other assets, is stated at cost,
 less accumulated amortization. Purchased software costs, as well as certain
internal and external costs incurred to develop internal-use computer     
software during the application development stage, are capitalized. Such  
costs are amortized generally over a four-year period using the           
straight-line method. The cost basis of computer software was $1.3 billion
and $1.7 billion at December 31, 2018 and 2017, respectively. Accumulated 
amortization of capitalized software was $1.3 billion at both December 31,
2018 and 2017. Related amortization expense was $90 million, $164 million 
and $132 million for the years ended December 31, 2018, 2017 and 2016,    
respectively.                                                             

   During the year ended December 31, 2018, the Company sold to an affiliate
  certain property, equipment, leasehold improvements and computer software at
carrying value for a total of $785 million.                               

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Other Revenues                                                            

    Other revenues primarily include, in addition to items described elsewhere
 herein, fees related to service contracts from customers related to prepaid
legal plans, administrative services-only ("ASO") contracts, and          
recordkeeping and related services. Substantially all of the revenue from 
  the services is recognized over time as the applicable services are provided
or are made available to the customers. The revenue recognized includes   
variable consideration to the extent it is probable that a significant    
reversal will not occur. In addition to the service fees, other revenues  
  also include certain stable value fees and reinsurance ceded. These fees are
recognized as earned.                                                     

Policyholder Dividends                                                    

Policyholder dividends are approved annually by Metropolitan Life     
  Insurance Company's board of directors. The aggregate amount of policyholder
dividends is related to actual interest, mortality, morbidity and expense 
experience for the year, as well as management's judgment as to the       
appropriate level of statutory surplus to be retained by Metropolitan Life
Insurance Company.                                                        

Foreign Currency                                                          

   Assets, liabilities and operations of foreign affiliates and subsidiaries
are recorded based on the functional currency of each entity. The         
determination of the functional currency is made based on the appropriate 
economic and management indicators. The local currencies of foreign       
 operations are the functional currencies. Assets and liabilities of foreign
affiliates and subsidiaries are translated from the functional currency to
U.S. dollars at the exchange rates in effect at each year-end and revenues
and expenses are translated at the average exchange rates during the year.
The resulting translation adjustments are charged or credited directly to 
OCI, net of applicable taxes. Gains and losses from foreign currency      
 transactions, including the effect of re-measurement of monetary assets and
 liabilities to the appropriate functional currency, are reported as part of
net investment gains (losses) in the period in which they occur.          

Goodwill                                                                  

Goodwill, which is included in other assets, represents the future    
  economic benefits arising from net assets acquired in a business combination
 that are not individually identified and recognized. Goodwill is calculated
as the excess of cost over the estimated fair value of such net assets    
acquired, is not amortized, and is tested for impairment based on a fair  
value approach at least annually or more frequently if events or          
circumstances indicate that there may be justification for conducting an  
interim test. The Company performs its annual goodwill impairment testing 
during the third quarter based upon data as of the close of the second    
quarter. Goodwill associated with a business acquisition is not tested for
impairment during the year the business is acquired unless there is a     
significant identified impairment event.                                  

    The impairment test is performed at the reporting unit level, which is the
operating segment or a business one level below the operating segment, if 
discrete financial information is prepared and regularly reviewed by      
management at that level. For purposes of goodwill impairment testing, if 
the carrying value of a reporting unit exceeds its estimated fair value,  
there may be an indication of impairment. In such instances, the implied  
  fair value of the goodwill is determined in the same manner as the amount of
goodwill that would be determined in a business combination. The excess of
  the carrying value of goodwill over the implied fair value of goodwill would
 be recognized as an impairment and recorded as a charge against net income.

The Company tests goodwill for impairment by either performing a      
  qualitative assessment or a quantitative test. The qualitative assessment is
an assessment of historical information and relevant events and           
 circumstances to determine whether it is more likely than not that the fair
value of a reporting unit is less than its carrying amount, including     
goodwill. The Company may elect not to perform the qualitative assessment 
  for some or all of its reporting units and perform a quantitative impairment
test. In performing the quantitative impairment test, the Company may     
determine the fair values of its reporting units by applying a market     
   multiple, discounted cash flow, and/or an actuarial based valuation approach.
   For the 2018 annual goodwill impairment tests, the Company concluded that
 goodwill was not impaired. The goodwill balance was $70 million in the U.S.
segment and $31 million in the MetLife Holdings segment, at both          
December 31, 2018 and 2017.                                               

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Recent Accounting Pronouncements                                                

Changes to GAAP are established by the Financial Accounting Standards Board 
("FASB") in the form of accounting standards updates ("ASUs") to the FASB       
Accounting Standards Codification. The Company considers the applicability and  
impact of all ASUs. The following tables provide a description of new ASUs      
issued by the FASB and the impact of the adoption on the Company's consolidated 
financial statements.                                                           

Adoption of New Accounting Pronouncements                                   

   Except as noted below, the ASUs adopted by the Company effective January 1,
 2018 did not have a material impact on its consolidated financial statements.

                                                        [Enlarge/Download Table]

               Standard                                        Description                         Effective Date and   
                                                                                                   Method of Adoption   
------------------------------------------------------------------------------------------------------------------------
                                                                                                                        
ASU 2018-02, Income                      The new guidance allows a reclassification of AOCI       January 1, 2018, the  
Statement--Reporting Comprehensive       to retained earnings for stranded tax effects resulting  Company applied the   
Income (Topic 220): Reclassification of  from the U.S. Tax Reform. Due to the change in           ASU in the period of  
Certain Tax Effects from Accumulated     corporate tax rates resulting from the U.S. Tax          adoption.             
Other Comprehensive Income               Reform, the Company reported stranded tax effects                              
                                         in AOCI related to unrealized gains and losses on                              
                                         AFS securities, cumulative foreign translation                                 
                                         adjustments and deferred costs on pension benefit                              
                                         plans.                                                                         
------------------------------------------------------------------------------------------------------------------------
ASU 2016-01, Financial Instruments --    The new guidance changed the previous accounting         January 1, 2018, the  
Overall (Subtopic 825-10): Recognition   guidance related to (i) the classification and           Company adopted,      
and Measurement of Financial Assets and  measurement of certain equity investments, (ii) the      using a modified      
Financial Liabilities, as clarified and  presentation of changes in the fair value of financial   retrospective         
amended by ASU 2018-03, Technical        liabilities measured under the FVO that are due to       approach.             
Corrections and Improvements to          instrument-specific credit risk, and (iii) certain                             
Financial Instruments-Overall (Subtopic  disclosures associated with the fair value of financial                        
825-10): Recognition and Measurement of  instruments. There is no longer a requirement to                               
Financial Assets and Financial           assess equity securities for impairment since such                             
Liabilities.                             securities are now measured at fair value through net                          
                                         income. Additionally, there is no longer a                                     
                                         requirement to assess equity securities for embedded                           
                                         derivatives requiring bifurcation.                                             
------------------------------------------------------------------------------------------------------------------------
ASU 2014-09, Revenue from Contracts      The new guidance supersedes nearly all existing          January 1, 2018, the  
with Customers (Topic 606)               revenue recognition guidance under GAAP.                 Company adopted,      
                                         However, it does not impact the accounting for           using a modified      
                                         insurance and investment contracts within the scope      retrospective         
                                         of FASB Accounting Standard Codification Topic           approach.             
                                         944, Financial Services - Insurance, leases, financial                         
                                         instruments and certain guarantees. For those                                  
                                         contracts that are impacted, the new guidance                                  
                                         requires an entity to recognize revenue upon the                               
                                         transfer of promised goods or services to customers                            
                                         in an amount that reflects the consideration to which                          
                                         the entity expects to be entitled, in exchange for                             
                                         those goods or services.                                                       
                                                        [Enlarge/Download Table]

               Standard                         Impact on Financial Statements        

--------------------------------------------------------------------------------------
                                                                                      
ASU 2018-02, Income                      The adoption of this guidance resulted in    
Statement--Reporting Comprehensive       the release of stranded tax effects in AOCI  
Income (Topic 220): Reclassification of  resulting from the U.S. Tax Reform by        
Certain Tax Effects from Accumulated     decreasing retained earnings as of           
Other Comprehensive Income               January 1, 2018 by $1.0 billion with a       
                                         corresponding increase to AOCI. The          
                                         Company's accounting policy for the          
                                         release of stranded tax effects in AOCI is   
                                         on an aggregate portfolio basis.             
--------------------------------------------------------------------------------------
ASU 2016-01, Financial Instruments --    The adoption of this guidance resulted in a  
Overall (Subtopic 825-10): Recognition   $101 million, net of income tax, increase to 
and Measurement of Financial Assets and  retained earnings largely offset by a        
Financial Liabilities, as clarified and  decrease to AOCI that was primarily          
amended by ASU 2018-03, Technical        attributable to $925 million of equity       
Corrections and Improvements to          securities previously classified and         
Financial Instruments-Overall (Subtopic  measured as equity securities AFS. The       
825-10): Recognition and Measurement of  Company has included the required            
Financial Assets and Financial           disclosures related to equity securities AFS 
Liabilities.                             within Note 8.                               

--------------------------------------------------------------------------------------
ASU 2014-09, Revenue from Contracts      The adoption of the guidance did not have    
with Customers (Topic 606)               a material impact on the Company's           
                                         consolidated financial statements other      
                                         than expanded disclosures in Note 13.        


Other                                                                           

Effective January 16, 2018, the London Clearing House ("LCH") amended its   
rulebook, resulting in the characterization of variation margin transfers as    
settlement payments, as opposed to adjustments to collateral. These amendments  
impacted the accounting treatment of the Company's centrally cleared            
derivatives, for which the LCH serves as the central clearing party. As of the  
effective date, the application of the amended rulebook reduced gross           
derivative assets by $2 million, gross derivative liabilities by $182 million,  
accrued investment income by $4 million, and collateral receivables recorded    
within premiums, reinsurance and other receivables by $176 million.             

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Effective January 3, 2017, the Chicago Mercantile Exchange ("CME") amended  
its rulebook, resulting in the characterization of variation margin transfers   
as settlement payments, as opposed to adjustments to collateral. These          
amendments impacted the accounting treatment of the Company's centrally cleared 
derivatives for which the CME serves as the central clearing party. As of the   
effective date, the application of the amended rulebook reduced gross           
derivative assets by $751 million, gross derivative liabilities by              
$603 million, accrued investment income by $55 million, accrued investment      
expense recorded within other liabilities by $10 million, collateral            
receivables recorded within premiums, reinsurance and other receivables by      
$226 million, and collateral payables recorded within payables for collateral   
under securities loaned and other transactions by $419 million.                 

Future Adoption of New Accounting Pronouncements                                

ASUs not listed below were assessed and either determined to be not         
applicable or are not expected to have a material impact on the Company's       
consolidated financial statements. ASUs issued but not yet adopted as of        
December 31, 2018 that are being assessed and may or may not have a material    
impact on the Company's consolidated financial statements are summarized in the 
table below.                                                                    

                                                        [Enlarge/Download Table]

                                                                                          Effective Date and     
         Standard                                  Description                            Method of Adoption     
                                                                                                                 
-----------------------------------------------------------------------------------------------------------------
ASU 2018-17,                The new guidance provides that indirect interests held     January 1, 2020, to be    
Consolidation (Topic 810):  through related parties in common control arrangements     applied retrospectively   
Targeted Improvements to    should be considered on a proportional basis for           with a cumulative         
Related Party Guidance for  determining whether fees paid to decisionmakers and        effect adjustment to      
Variable Interest Entities  service providers are variable interests.                  retained earnings at the  
                                                                                       beginning of the          
                                                                                       earliest period           
                                                                                       presented.                
-----------------------------------------------------------------------------------------------------------------
ASU 2018-16, Derivatives    The new guidance permits the use of the overnight index    January 1, 2019, to be    
and Hedging (Topic 815):    swap rate based on the SOFR as a U.S. benchmark            applied prospectively     
Inclusion of the Secured    interest rate for hedge accounting purposes under Topic    for qualifying new or     
Overnight Financing Rate    815.                                                       redesignated hedging      
(SOFR) Overnight Index                                                                 relationships entered     
Swap (OIS) Rate as a                                                                   into after January 1,     
Benchmark Interest Rate                                                                2019.                     
for Hedge Accounting                                                                                             
Purposes                                                                                                         
-----------------------------------------------------------------------------------------------------------------
ASU 2018-15,                The new guidance requires a customer in a cloud            January 1, 2020. The      
Intangibles--Goodwill and   computing arrangement that is a service contract to        new guidance can be       
Other--Internal-Use         follow the internal-use software guidance to determine     applied either            
Software (Subtopic          which implementation costs to capitalize as an asset and   prospectively to          
350-40): Customer's         which costs to expense as incurred. Implementation costs   eligible costs incurred   
Accounting for              that are capitalized under the new guidance are required   on or after the           
Implementation Costs        to be amortized over the term of the hosting arrangement,  guidance is first         
Incurred in a Cloud         beginning when the module or component of the hosting      applied, or               
Computing Arrangement       arrangement is ready for its intended use.                 retrospectively to all    
That Is a Service Contract                                                             periods presented.        
-----------------------------------------------------------------------------------------------------------------
ASU 2018-14,                The new guidance removes certain disclosures that no       December 31, 2020, to     
Compensation--Retirement    longer are considered cost beneficial, clarifies the       be applied on a           
Benefits--Defined Benefit   specific requirements of disclosures, and adds disclosure  retrospective basis to    
Plans--General (Subtopic    requirements identified as relevant for employers that     all periods presented     
715-20): Disclosure         sponsor defined benefit pension or other postretirement    (with early adoption      
Framework--Changes to       plans.                                                     permitted).               
the Disclosure                                                                                                   
Requirements for Defined                                                                                         
Benefit Plans                                                                                                    
                                                                [Download Table]


         Standard              Impact on Financial Statements     
                                                                  
------------------------------------------------------------------
ASU 2018-17,                The Company does not expect the       
Consolidation (Topic 810):  adoption to have a material impact    
Targeted Improvements to    on its consolidated financial         
Related Party Guidance for  statements.                           
Variable Interest Entities                                        

------------------------------------------------------------------
ASU 2018-16, Derivatives    The Company does not expect the       
and Hedging (Topic 815):    adoption to have a material impact    
Inclusion of the Secured    on its consolidated financial         
Overnight Financing Rate    statements.                           
(SOFR) Overnight Index                                            
Swap (OIS) Rate as a                                              
Benchmark Interest Rate                                           
for Hedge Accounting                                              
Purposes                                                          
------------------------------------------------------------------
ASU 2018-15,                The Company is currently evaluating   
Intangibles--Goodwill and   the impact of the new guidance on its 
Other--Internal-Use         consolidated financial statements.    
Software (Subtopic                                                
350-40): Customer's                                               
Accounting for                                                    
Implementation Costs                                              
Incurred in a Cloud                                               
Computing Arrangement                                             
That Is a Service Contract                                        
------------------------------------------------------------------
ASU 2018-14,                The Company is currently evaluating   
Compensation--Retirement    the impact of the new guidance on its 
Benefits--Defined Benefit   consolidated financial statements.    
Plans--General (Subtopic                                          
715-20): Disclosure                                               
Framework--Changes to                                             
the Disclosure                                                    
Requirements for Defined                                          
Benefit Plans                                                     

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

                                                        [Enlarge/Download Table]

                                                                                            Effective Date and     
         Standard                                   Description                             Method of Adoption     
                                                                                                                   
-------------------------------------------------------------------------------------------------------------------
ASU 2018-13, Fair Value     The new guidance modifies the disclosure requirements        January 1, 2020.          
Measurement (Topic 820):    on fair value by removing some requirements, modifying       Amendments related to     
Disclosure Framework--      others, adding changes in unrealized gains and losses        changes in unrealized     
Changes to the Disclosure   included in OCI for recurring Level 3 fair value             gains and losses, the     
Requirements for Fair       measurements, and under certain circumstances,               range and weighted        
Value Measurement           providing the option to disclose certain other quantitative  average of significant    
                            information with respect to significant unobservable         unobservable inputs       
                            inputs in lieu of a weighted average.                        used to develop           
                                                                                         Level 3 fair value        
                                                                                         measurements, and the     
                                                                                         narrative description of  
                                                                                         measurement               
                                                                                         uncertainty should be     
                                                                                         applied prospectively.    
                                                                                         All other amendments      
                                                                                         should be applied         
                                                                                         retrospectively.          
-------------------------------------------------------------------------------------------------------------------
ASU 2018-12, Financial      The new guidance (i) prescribes the discount rate to be      January 1, 2021, to be    
Services--Insurance (Topic  used in measuring the liability for future policy benefits   applied retrospectively   
944): Targeted              for traditional and limited payment long-duration            to January 1, 2019        
Improvements to the         contracts, and requires assumptions for those liability      (with early adoption      
Accounting for Long-        valuations to be updated after contract inception,           permitted).               
Duration Contracts          (ii) requires more market-based product guarantees on                                  
                            certain separate account and other account balance long-                               
                            duration contracts to be accounted for at fair value,                                  
                            (iii) simplifies the amortization of DAC for virtually all                             
                            long-duration contracts, and (iv) introduces certain                                   
                            financial statement presentation requirements, as well as                              
                            significant additional quantitative and qualitative                                    
                            disclosures.                                                                           
-------------------------------------------------------------------------------------------------------------------
ASU 2017-12, Derivatives    The new guidance simplifies the application of hedge         January 1, 2019, to be    
and Hedging (Topic 815):    accounting in certain situations and amends the hedge        applied on a modified     
Targeted Improvements to    accounting model to enable entities to better portray the    retrospective basis       
Accounting for Hedging      economics of their risk management activities in their       through a cumulative      
Activities                  financial statements.                                        effect adjustment to      
                                                                                         retained earnings.        

-------------------------------------------------------------------------------------------------------------------
ASU 2017-08, Receivables    The new guidance shortens the amortization period for        January 1, 2019, to be    
--Nonrefundable Fees and    certain callable debt securities held at a premium and       applied on a modified     
Other Costs                 requires the premium to be amortized to the earliest call    retrospective basis       
(Subtopic 310-20),          date. However, the new guidance does not require an          through a cumulative      
Premium Amortization on     accounting change for securities held at a discount whose    effect adjustment to      
Purchased Callable Debt     discount continues to be amortized to maturity.              retained earnings.        
Securities                                                                                                         
-------------------------------------------------------------------------------------------------------------------
ASU 2017-04,                The new guidance simplifies the current two-step             January 1, 2020, to be    
Intangibles--Goodwill and   goodwill impairment test by eliminating Step 2 of the        applied on a              
Other (Topic 350):          test. The new guidance requires a one-step impairment        prospective basis.        
Simplifying the Test for    test in which an entity compares the fair value of a         Early adoption is         
Goodwill Impairment         reporting unit with its carrying amount and recognizes an    permitted for interim     
                            impairment charge for the amount by which the carrying       or annual goodwill        
                            amount exceeds the reporting unit's fair value, if any.      impairment tests          
                                                                                         performed on testing      
                                                                                         dates after January 1,    
                                                                                         2017.                     
                                                                [Download Table]


         Standard               Impact on Financial Statements     
                                                                   
-------------------------------------------------------------------
ASU 2018-13, Fair Value     As of December 31, 2018, the           
Measurement (Topic 820):    Company early adopted the              
Disclosure Framework--      provisions of the guidance that        
Changes to the Disclosure   removed the requirements relating to   
Requirements for Fair       transfers between fair value           
Value Measurement           hierarchy levels and certain           
                            disclosures about valuation processes  
                            for Level 3 fair value measurements.   
                            The Company will adopt the             
                            remainder of the new guidance at the   
                            effective date, and is currently       
                            evaluating the impact of those         
                            changes on its consolidated financial  
                            statements.                            

-------------------------------------------------------------------
ASU 2018-12, Financial      The Company has started its            
Services--Insurance (Topic  implementation efforts and is          
944): Targeted              currently evaluating the impact of the 
Improvements to the         new guidance. Given the nature and     
Accounting for Long-        extent of the required changes to a    
Duration Contracts          significant portion of the Company's   
                            operations, the adoption of this       
                            standard is expected to have a         
                            material impact on its consolidated    
                            financial statements.                  

-------------------------------------------------------------------
ASU 2017-12, Derivatives    Upon adoption, the Company will        
and Hedging (Topic 815):    make certain changes to its            
Targeted Improvements to    assessment of hedge effectiveness      
Accounting for Hedging      for fair value hedging relationships,  
Activities                  and the Company will also reclassify   
                            hedge ineffectiveness for cash flow    
                            hedging relationships existing as of   
                            the adoption date, which was           
                            previously recorded to earnings, to    
                            AOCI. The estimated impact of          
                            adoption is a decrease to retained     
                            earnings of less than $250 million.    
-------------------------------------------------------------------
ASU 2017-08, Receivables    The adoption of the new guidance       
--Nonrefundable Fees and    will not have a material impact on     
Other Costs                 the Company's consolidated             
(Subtopic 310-20),          financial statements.                  
Premium Amortization on                                            
Purchased Callable Debt                                            
Securities                                                         
-------------------------------------------------------------------
ASU 2017-04,                The new guidance will reduce the       
Intangibles--Goodwill and   complexity involved with the           
Other (Topic 350):          evaluation of goodwill for             
Simplifying the Test for    impairment. The impact of the new      
Goodwill Impairment         guidance will depend on the            
                            outcomes of future goodwill            
                            impairment tests.                      


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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

                                                        [Enlarge/Download Table]

                                                                     Effective Date and     
         Standard                        Description                 Method of Adoption     
                                                                                            
--------------------------------------------------------------------------------------------
ASU 2016-13, Financial      This new guidance replaces the         January 1, 2020. For     
Instruments--Credit Losses  incurred loss impairment methodology   substantially all        
(Topic 326): Measurement    with one that reflects expected        financial assets, the    
of Credit Losses on         credit losses. The measurement of      ASU is to be applied     
Financial Instruments, as   expected credit losses should be       on a modified            
clarified and amended by    based on historical loss information,  retrospective basis      
ASU 2018-19, Codification   current conditions, and reasonable     through a cumulative     
Improvements to Topic 326,  and supportable forecasts. The new     effect adjustment to     
Financial Instruments--     guidance requires that an OTTI on a    retained earnings. For   
Credit Losses               debt security will be recognized as    previously impaired      
                            an allowance going forward, such that  debt securities and      
                            improvements in expected future cash   certain debt securities  
                            flows after an impairment will no      acquired with evidence   
                            longer be reflected as a prospective   of credit quality        
                            yield adjustment through net           deterioration since      
                            investment income, but rather a        origination, the new     
                            reversal of the previous impairment    guidance is to be        
                            and recognized through realized        applied prospectively.   
                            investment gains and losses. The                                
                            guidance also requires enhanced                                 
                            disclosures. In November 2018, the                              
                            FASB issued ASU 2018-19, clarifying                             
                            that receivables arising from                                   
                            operating leases should be accounted                            
                            for in accordance with Topic 842,                               
                            Leases. The Company has assessed the                            
                            asset classes impacted by the new                               
                            guidance and is currently assessing                             
                            the accounting and reporting system                             
                            changes that will be required to                                
                            comply with the new guidance.                                   
--------------------------------------------------------------------------------------------
ASU 2016-02, Leases         The new guidance requires a lessee to  January 1, 2019, to be   
(Topic 842), as clarified   recognize assets and liabilities for   applied on a modified    
and amended by ASU          leases with lease terms of more than   retrospective basis      
2018-10, Codification       12 months. Leases would be classified  using the optional       
Improvements to Topic 842,  as finance or operating leases and     transition method with   
Leases, ASU 2018-11,        both types of leases will be           a cumulative effect      
Leases (Topic 842):         recognized on the balance sheet.       adjustment recorded at   
Targeted Improvements,      Lessor accounting will remain largely  January 1, 2019.         
and ASU 2018-20, Leases     unchanged from current guidance                                 
(Topic 842): Narrow-Scope   except for certain targeted changes.                            
Improvements for Lessors    The new guidance will also require                              
                            new qualitative and quantitative                                
                            disclosures. In July 2018, two                                  
                            amendments to the new guidance were                             
                            issued. The amendments provide the                              
                            option to adopt the new guidance                                
                            prospectively without adjusting                                 
                            comparative periods. Also, the                                  
                            amendments provide lessors with a                               
                            practical expedient not to separate                             
                            lease and non-lease components for                              
                            certain operating leases. In December                           
                            2018, an amendment was issued to                                
                            clarify lessor accounting relating to                           
                            taxes, certain lessor's costs and                               
                            variable payments related to both                               
                            lease and non-lease components. The                             
                            Company will adopt the new guidance                             
                            and related amendments on January 1,                            
                            2019 and expects to elect certain                               
                            practical expedients permitted under                            
                            the transition guidance. In addition,                           
                            the Company will elect the                                      
                            prospective transition option and                               
                            recognize a cumulative effect                                   
                            adjustment to the opening balance of                            
                            retained earnings in the period of                              
                            adoption. The Company has been                                  
                            executing an integrated                                         
                            implementation plan which includes a                            
                            multi-functional working group with a                           
                            project governance structure to                                 
                            address any resource, system, data                              
                            and process gaps related to the                                 
                            implementation of the new standard.                             
                            The Company is currently integrating                            
                            a lease accounting technology                                   
                            solution and finalizing updated                                 
                            reporting processes and additional                              
                            internal controls to facilitate                                 
                            compliance with the new guidance.                               
--------------------------------------------------------------------------------------------
                                                                [Download Table]


             Description                  Impact on Financial Statements     
                                                                             
-----------------------------------------------------------------------------
This new guidance replaces the         The Company believes that the         
incurred loss impairment methodology   most significant impact upon          
with one that reflects expected        adoption will be to its mortgage      
credit losses. The measurement of      loan investments. The Company is      
expected credit losses should be       currently evaluating the impact of    
based on historical loss information,  the new guidance on its               
current conditions, and reasonable     consolidated financial statements.    
and supportable forecasts. The new                                           
guidance requires that an OTTI on a                                          
debt security will be recognized as                                          
an allowance going forward, such that                                        
improvements in expected future cash                                         
flows after an impairment will no                                            
longer be reflected as a prospective                                         
yield adjustment through net                                                 
investment income, but rather a                                              
reversal of the previous impairment                                          
and recognized through realized                                              
investment gains and losses. The                                             
guidance also requires enhanced                                              
disclosures. In November 2018, the                                           
FASB issued ASU 2018-19, clarifying                                          
that receivables arising from                                                
operating leases should be accounted                                         
for in accordance with Topic 842,                                            
Leases. The Company has assessed the                                         
asset classes impacted by the new                                            
guidance and is currently assessing                                          
the accounting and reporting system                                          
changes that will be required to                                             
comply with the new guidance.                                                
-----------------------------------------------------------------------------
The new guidance requires a lessee to  The Company believes the most         
recognize assets and liabilities for   significant changes relate to (i) the 
leases with lease terms of more than   recognition of new right of use       
12 months. Leases would be classified  assets and lease liabilities on the   
as finance or operating leases and     consolidated balance sheet for real   
both types of leases will be           estate operating leases; and (ii) the 
recognized on the balance sheet.       recognition of deferred gains         
Lessor accounting will remain largely  associated with previous sale-        
unchanged from current guidance        leaseback transactions as a           
except for certain targeted changes.   cumulative effect adjustment to       
The new guidance will also require     retained earnings. On adoption, the   
new qualitative and quantitative       Company will recognize additional     
disclosures. In July 2018, two         operating liabilities, with           
amendments to the new guidance were    corresponding right of use assets of  
issued. The amendments provide the     the same amount adjusted for          
option to adopt the new guidance       prepaid/deferred rent, unamortized    
prospectively without adjusting        initial direct costs and potential    
comparative periods. Also, the         impairment of right of use assets     
amendments provide lessors with a      based on the present value of the     
practical expedient not to separate    remaining minimum rental              
lease and non-lease components for     payments. These assets and            
certain operating leases. In December  liabilities will represent less than  
2018, an amendment was issued to       1% of the Company's total assets      
clarify lessor accounting relating to  and total liabilities. The adoption   
taxes, certain lessor's costs and      will not have a material impact on    
variable payments related to both      its consolidated financial            
lease and non-lease components. The    statements.                           
Company will adopt the new guidance                                          
and related amendments on January 1,                                         
2019 and expects to elect certain                                            
practical expedients permitted under                                         
the transition guidance. In addition,                                        
the Company will elect the                                                   
prospective transition option and                                            
recognize a cumulative effect                                                
adjustment to the opening balance of                                         
retained earnings in the period of                                           
adoption. The Company has been                                               
executing an integrated                                                      
implementation plan which includes a                                         
multi-functional working group with a                                        
project governance structure to                                              
address any resource, system, data                                           
and process gaps related to the                                              
implementation of the new standard.                                          
The Company is currently integrating                                         
a lease accounting technology                                                
solution and finalizing updated                                              
reporting processes and additional                                           
internal controls to facilitate                                              
compliance with the new guidance.                                            
-----------------------------------------------------------------------------

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information                                                          

The Company is organized into two segments: U.S. and MetLife Holdings. In   
addition, the Company reports certain of its results of operations in           
Corporate & Other.                                                              

U.S.                                                                            

The U.S. segment offers a broad range of protection products and services   
aimed at serving the financial needs of customers throughout their lives. These 
products are sold to corporations and their respective employees, other         
institutions and their respective members, as well as individuals. The U.S.     
segment is organized into two businesses: Group Benefits and Retirement and     
Income Solutions ("RIS").                                                       

.   The Group Benefits business offers life, dental, group short- and         
long-term disability, individual disability, accidental death and     
   dismemberment, vision and accident & health coverages, as well as prepaid
   legal plans. This business also sells ASO arrangements to some employers.

.   The RIS business offers a broad range of life and annuity-based insurance 
   and investment products, including stable value and pension risk transfer
 products, institutional income annuities, tort settlements, and capital
markets investment products, as well as solutions for funding         
    postretirement benefits and company-, bank- or trust-owned life insurance.

MetLife Holdings                                                                

The MetLife Holdings segment consists of operations relating to products and
businesses that the Company no longer actively markets, such as variable,       
universal, term and whole life insurance, variable, fixed and index-linked      
annuities and long-term care insurance.                                         

Corporate & Other                                                               

 Corporate & Other contains the excess capital, as well as certain charges and
activities, not allocated to the segments, including enterprise-wide strategic  
initiative restructuring charges and various start-up businesses. Additionally, 
Corporate & Other includes run-off businesses. Corporate & Other also includes  
the Company's ancillary international operations, interest expense related to   
the majority of the Company's outstanding debt, as well as expenses associated  
with certain legal proceedings and income tax audit issues. For the year ended  
December 31, 2016, Corporate & Other includes business of the Company that was  
transferred to Brighthouse Financial, Inc. and its subsidiaries                 
("Brighthouse"). In addition, Corporate & Other includes the elimination of     
intersegment amounts, which generally relate to affiliated reinsurance and      
intersegment loans, which bear interest rates commensurate with related         
borrowings.                                                                     

Financial Measures and Segment Accounting Policies                              

Adjusted earnings is used by management to evaluate performance and allocate
resources. Consistent with GAAP guidance for segment reporting, adjusted        
earnings is also the Company's GAAP measure of segment performance and is       
reported below. Adjusted earnings should not be viewed as a substitute for net  
income (loss). The Company believes the presentation of adjusted earnings, as   
the Company measures it for management purposes, enhances the understanding of  
its performance by highlighting the results of operations and the underlying    
profitability drivers of the business.                                          

 Adjusted earnings is defined as adjusted revenues less adjusted expenses, net
of income tax.                                                                  

The financial measures of adjusted revenues and adjusted expenses focus on  
the Company's primary businesses principally by excluding the impact of market  
volatility, which could distort trends, and revenues and costs related to       
non-core products and certain entities required to be consolidated under GAAP.  
Also, these measures exclude results of discontinued operations under GAAP and  
other businesses that have been or will be sold or exited by MLIC but do not    
meet the discontinued operations criteria under GAAP and are referred to as     
divested businesses. Divested businesses also includes the net impact of        
transactions with exited businesses that have been eliminated in consolidation  
under GAAP and costs relating to businesses that have been or will be sold or   
exited by MLIC that do not meet the criteria to be included in results of       
discontinued operations under GAAP. Adjusted revenues also excludes net         
investment gains (losses) and net derivative gains (losses).                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

The following additional adjustments are made to revenues, in the line items
indicated, in calculating adjusted revenues:                                    

.   Universal life and investment-type product policy fees excludes the       
   amortization of unearned revenue related to net investment gains (losses)
  and net derivative gains (losses) and certain variable annuity GMIB fees
("GMIB fees"); and                                                    

.   Net investment income: (i) includes earned income on derivatives and      
  amortization of premium on derivatives that are hedges of investments or
that are used to replicate certain investments, but do not qualify for
hedge accounting treatment, (ii) excludes post-tax adjusted earnings  
  adjustments relating to insurance joint ventures accounted for under the
 equity method, (iii) excludes certain amounts related to securitization
entities that are VIEs consolidated under GAAP and (iv) includes      
   distributions of profits from certain other limited partnership interests
that were previously accounted for under the cost method, but are now 
   accounted for at estimated fair value, where the change in estimated fair
value is recognized in net investment gains (losses) under GAAP.      

The following additional adjustments are made to expenses, in the line items
indicated, in calculating adjusted expenses:                                    

.   Policyholder benefits and claims and policyholder dividends excludes:     
(i) changes in the policyholder dividend obligation related to net    
   investment gains (losses) and net derivative gains (losses), (ii) amounts
associated with periodic crediting rate adjustments based on the total
    return of a contractually referenced pool of assets and other pass-through
adjustments, (iii) benefits and hedging costs related to GMIBs ("GMIB 
  costs"), and (iv) market value adjustments associated with surrenders or
terminations of contracts ("Market value adjustments");               

.   Interest credited to policyholder account balances includes adjustments   
for earned income on derivatives and amortization of premium on       
 derivatives that are hedges of policyholder account balances but do not
qualify for hedge accounting treatment;                               

.   Amortization of DAC and VOBA excludes amounts related to: (i) net         
investment gains (losses) and net derivative gains (losses), (ii) GMIB
fees and GMIB costs and (iii) Market value adjustments;               

.   Interest expense on debt excludes certain amounts related to              
securitization entities that are VIEs consolidated under GAAP; and    

.   Other expenses excludes costs related to: (i) noncontrolling interests,   
(ii) acquisition, integration and other costs, and (iii) goodwill     
impairments.                                                          

The tax impact of the adjustments mentioned above are calculated net of the 
U.S. or foreign statutory tax rate, which could differ from the Company's       
effective tax rate. Additionally, the provision for income tax (expense)        
benefit also includes the impact related to the timing of certain tax credits,  
as well as certain tax reforms.                                                 

Set forth in the tables below is certain financial information with respect 
to the Company's segments, as well as Corporate & Other, for the years ended    
December 31, 2018, 2017 and 2016 and at December 31, 2018 and 2017. The segment 
accounting policies are the same as those used to prepare the Company's         
consolidated financial statements, except for adjusted earnings adjustments as  
defined above. In addition, segment accounting policies include the method of   
capital allocation described below.                                             

Economic capital is an internally developed risk capital model, the purpose 
of which is to measure the risk in the business and to provide a basis upon     
which capital is deployed. The economic capital model accounts for the unique   
and specific nature of the risks inherent in MetLife's and the Company's        
business.                                                                       

MetLife's economic capital model, coupled with considerations of local      
capital requirements, aligns segment allocated equity with emerging standards   
and consistent risk principles. The model applies statistics-based risk         
evaluation principles to the material risks to which the Company is exposed.    
These consistent risk principles include calibrating required economic capital  
shock factors to a specific confidence level and time horizon while applying an 
industry standard method for the inclusion of diversification benefits among    
risk types. MetLife's management is responsible for the ongoing production and  
enhancement of the economic capital model and reviews its approach periodically 
to ensure that it remains consistent with emerging industry practice standards. 

Segment net investment income is credited or charged based on the level of  
allocated equity; however, changes in allocated equity do not impact the        
Company's consolidated net investment income, net income (loss) or adjusted     
earnings.                                                                       

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

Net investment income is based upon the actual results of each segment's    
specifically identifiable investment portfolios adjusted for allocated equity.  
Other costs are allocated to each of the segments based upon: (i) a review of   
the nature of such costs; (ii) time studies analyzing the amount of employee    
compensation costs incurred by each segment; and (iii) cost estimates included  
in the Company's product pricing.                                               

                                                        [Enlarge/Download Table]

                                                                 MetLife    Corporate                                Total     
Year Ended December 31, 2018                           U.S.      Holdings    & Other       Total     Adjustments  Consolidated 
-------------------------------------------------- -----------  ----------- ---------  ------------  -----------  ------------ 
                                                                                  (In millions)                                
                                                                                                                               
Revenues                                                                                                                       
Premiums..........................................  $   23,388   $    3,205  $     20   $    26,613   $       --   $    26,613 
Universal life and investment-type product policy                                                                              
 fees.............................................       1,023        1,008        --         2,031           93         2,124 
Net investment income.............................       6,678        4,780      (154)       11,304         (385)       10,919 
Other revenues....................................         775          240       571         1,586           --         1,586 
Net investment gains (losses).....................          --           --        --            --          153           153 
Net derivative gains (losses).....................          --           --        --            --          766           766 
                                                   -----------  ----------- ---------  ------------  -----------  ------------ 
  Total revenues..................................      31,864        9,233       437        41,534          627        42,161 
                                                   -----------  ----------- ---------  ------------  -----------  ------------ 
Expenses                                                                                                                       
Policyholder benefits and claims and policyholder                                                                              
 dividends........................................      24,202        5,870         5        30,077          105        30,182 
Interest credited to policyholder account                                                                                      
 balances.........................................       1,735          748        --         2,483           (4)        2,479 
Capitalization of DAC.............................         (40)           6        --           (34)          --           (34)
Amortization of DAC and VOBA......................          75          245        --           320          150           470 
Interest expense on debt..........................          12            8        88           108           --           108 
Other expenses....................................       2,838          980       834         4,652           (5)        4,647 
                                                   -----------  ----------- ---------  ------------  -----------  ------------ 
  Total expenses..................................      28,822        7,857       927        37,606          246        37,852 
                                                   -----------  ----------- ---------  ------------  -----------  ------------ 
Provision for income tax expense (benefit)........         648          269      (823)           94           79           173 
                                                   -----------  ----------- ---------  ------------               ------------ 
  Adjusted earnings...............................  $    2,394   $    1,107  $    333         3,834                            
                                                   ===========  =========== =========                                          
Adjustments to:                                                                                                                
Total revenues....................................                                              627                            
Total expenses....................................                                             (246)                           
Provision for income tax (expense) benefit........                                              (79)                           
                                                                                       ------------                            
  Net income (loss)..........................................                           $     4,136                $     4,136 
                                                                                       ============               ============ 

                                                                [Download Table]

                                           MetLife    Corporate             
At December 31, 2018             U.S.      Holdings    & Other      Total   
----------------------------- ----------- ----------- ---------- -----------
                                              (In millions)                 
                                                                            
Total assets.................  $  233,998  $  147,498  $  25,421  $  406,917
Separate account assets......  $   69,328  $   41,522  $      --  $  110,850
Separate account liabilities.  $   69,328  $   41,522  $      --  $  110,850

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                            MetLife      Corporate                                 Total     
Year Ended December 31, 2017                    U.S.        Holdings      & Other       Total      Adjustments  Consolidated 
------------------------------------------- ------------  ------------  ----------  ------------  ------------  ------------ 
                                                                              (In millions)                                  
                                                                                                                             
Revenues                                                                                                                     
Premiums...................................  $    19,496   $     3,420   $       9   $    22,925   $        --   $    22,925 
Universal life and investment-type product                                                                                   
 policy fees...............................        1,004         1,126          --         2,130            97         2,227 
Net investment income......................        6,206         4,920        (243)       10,883          (370)       10,513 
Other revenues.............................          781           200         589         1,570            --         1,570 
Net investment gains (losses)..............           --            --          --            --           334           334 
Net derivative gains (losses)..............           --            --          --            --          (344)         (344)
                                            ------------  ------------  ----------  ------------  ------------  ------------ 
  Total revenues...........................       27,487         9,666         355        37,508          (283)       37,225 
                                            ------------  ------------  ----------  ------------  ------------  ------------ 
Expenses                                                                                                                     
Policyholder benefits and claims and                                                                                         
 policyholder dividends....................       20,558         6,006           4        26,568           321        26,889 
Interest credited to policyholder account                                                                                    
 balances..................................        1,459           779          --         2,238            (3)        2,235 
Capitalization of DAC......................          (48)          (13)         --           (61)           --           (61)
Amortization of DAC and VOBA...............           56           303          --           359          (118)          241 
Interest expense on debt...................           11             8          87           106            --           106 
Other expenses.............................        2,717         1,201         930         4,848             1         4,849 
                                            ------------  ------------  ----------  ------------  ------------  ------------ 
  Total expenses...........................       24,753         8,284       1,021        34,058           201        34,259 
                                            ------------  ------------  ----------  ------------  ------------  ------------ 
Provision for income tax expense (benefit).          954           427        (368)        1,013        (1,574)         (561)
                                            ------------  ------------  ----------  ------------                ------------ 
  Adjusted earnings........................  $     1,780   $       955   $    (298)        2,437                             
                                            ============  ============  ==========                                           
Adjustments to:                                                                                                              
Total revenues.............................                                                 (283)                            
Total expenses.............................                                                 (201)                            
Provision for income tax (expense) benefit.                                                1,574                             
                                                                                    ------------                             
  Net income (loss)........................                                          $     3,527                 $     3,527 
                                                                                    ============                ============ 

                                                                [Download Table]

                                              MetLife      Corporate                
 At December 31, 2017             U.S.        Holdings      & Other        Total    
----------------------------- ------------- ------------- ------------ -------------
                                                  (In millions)                     
                                                                                    
Total assets.................  $    245,750  $    163,397  $    25,148  $    434,295
Separate account assets......  $     80,240  $     50,585  $        --  $    130,825
Separate account liabilities.  $     80,240  $     50,585  $        --  $    130,825

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                   MetLife     Corporate                              Total    
Year Ended December 31, 2016                            U.S.       Holdings     & Other      Total     Adjustments Consolidated
--------------------------------------------------- -----------  -----------  ----------  -----------  ----------- ------------
                                                                                   (In millions)                               
                                                                                                                               
Revenues                                                                                                                       
Premiums...........................................   $  17,921  $     4,411  $       61  $    22,393  $       --  $    22,393 
Universal life and investment-type product policy                                                                              
 fees..............................................         988        1,236         216        2,440         102        2,542 
Net investment income..............................       6,075        5,606         (67)      11,614        (531)      11,083 
Other revenues.....................................         750          110         618        1,478          --        1,478 
Net investment gains (losses)......................          --           --          --           --         132          132 
Net derivative gains (losses)......................          --           --          --           --      (1,138)      (1,138)
                                                    -----------  -----------  ----------  -----------  ----------- ------------
  Total revenues...................................      25,734       11,363         828       37,925      (1,435)      36,490 
                                                    -----------  -----------  ----------  -----------  ----------- ------------
Expenses                                                                                                                       
Policyholder benefits and claims and policyholder                                                                              
 dividends.........................................      18,968        7,244         130       26,342         171       26,513 
Interest credited to policyholder account balances.       1,297          907          32        2,236          (3)       2,233 
Capitalization of DAC..............................         (60)        (267)         (5)        (332)         --         (332)
Amortization of DAC and VOBA.......................          56          675          56          787        (346)         441 
Interest expense on debt...........................          10            7          95          112          --          112 
Other expenses.....................................       2,770        1,850         825        5,445         137        5,582 
                                                    -----------  -----------  ----------  -----------  ----------- ------------
  Total expenses...................................      23,041       10,416       1,133       34,590         (41)      34,549 
                                                    -----------  -----------  ----------  -----------  ----------  ----------- 
Provision for income tax expense (benefit).........         963          274        (551)         686        (487)         199 
                                                    -----------  -----------  ----------  -----------              ------------
  Adjusted earnings................................ $     1,730  $       673  $      246        2,649                          
                                                    ===========  ===========  ==========                                       
Adjustments to:                                                                                                                
Total revenues.....................................                                            (1,435)                         
Total expenses.....................................                                                41                          
Provision for income tax (expense) benefit.........                                               487                          
                                                                                          -----------                          
  Net income (loss)................................                                       $     1,742              $     1,742 
                                                                                          ===========              ============

The following table presents total premiums, universal life and             
investment-type product policy fees and other revenues by major product groups  
of the Company's segments, as well as Corporate & Other:                        

                                                                [Download Table]

                                                Years Ended December 31,   
                                              -----------------------------
                                                2018      2017      2016   
                                              --------- --------- ---------
                                                      (In millions)        
                                                                           
Life insurance............................... $  13,251 $  13,139 $  13,907
Accident & health insurance..................     8,071     7,933     7,889
Annuities....................................     8,685     5,390     4,379
Other........................................       316       260       238
                                              --------- --------- ---------
 Total....................................... $  30,323 $  26,722 $  26,413
                                              ========= ========= =========

Substantially all of the Company's consolidated premiums, universal life and
investment-type product policy fees and other revenues originated in the U.S.   

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

2. Segment Information (continued)                                              

Revenues derived from two U.S. segment customers each exceeded 10% of       
consolidated premiums, universal life and investment-type product policy fees   
and other revenues. Revenues derived from the first U.S. segment customer were  
$6.0 billion for the year ended December 31, 2018, which represented 20% of     
consolidated premiums, universal life and investment-type product policy fees   
and other revenues. The revenue was from a single premium received for a        
pension risk transfer. Revenues derived from the second U.S. customer were      
$3.1 billion, $2.8 billion and $2.8 billion for the years ended December 31,    
2018, 2017 and 2016, respectively, which represented 10%, 11% and 10%, of       
consolidated premiums, universal life and investment-type product policy fees   
and other revenues, respectively. Revenues derived from any other customer did  
not exceed 10% of consolidated premiums, universal life and investment-type     
product policy fees and other revenues for the years ended December 31, 2018,   
2017 and 2016.                                                                  

3. Disposition                                                                  

In December 2016, the Company distributed to MetLife, Inc. as a non-cash    
extraordinary dividend all of the issued and outstanding shares of common stock 
of its wholly-owned subsidiaries, New England Life Insurance Company ("NELICO") 
and General American Life Insurance Company ("GALIC"). The net book value of    
NELICO and GALIC at the time of the dividend was $2.9 billion, which was        
recorded as a dividend of retained earnings of $2.7 billion and a decrease to   
other comprehensive income of $254 million, net of income tax. As of the date   
of the dividend payment, the Company no longer consolidates the assets,         
liabilities and operations of NELICO and GALIC.                                 

4. Insurance                                                                    

Insurance Liabilities                                                           

Insurance liabilities, including affiliated insurance liabilities on        
reinsurance assumed and ceded, are comprised of future policy benefits,         
policyholder account balances and other policy-related balances. Information    
regarding insurance liabilities by segment, as well as Corporate & Other, was   
as follows at:                                                                  

                                                                [Download Table]

                     December 31,   
                   -----------------
                     2018     2017  
                   -------- --------
                     (In millions)  
                                    
U.S............... $135,003 $131,224
MetLife Holdings..   88,725   89,012
Corporate & Other.      291      294
                   -------- --------
  Total........... $224,019 $220,530
                   ======== ========

See Note 6 for discussion of affiliated reinsurance liabilities included in 
the table above.                                                                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Future policy benefits are measured as follows:                             

--------------------------------------------------------------------
Product Type:                 Measurement Assumptions:              
--------------------------------------------------------------------
Participating life            Aggregate of (i) net level premium    
                            reserves for death and endowment
                             policy benefits (calculated based
                            upon the non-forfeiture interest
                            rate, ranging from 3% to 7%, and
                         mortality rates guaranteed in
                          calculating the cash surrender
                    values described in such
                              contracts); and (ii) the liability
                   for terminal dividends.
--------------------------------------------------------------------
Nonparticipating life         Aggregate of the present value of     
                            future expected benefit payments
                         and related expenses less the
                            present value of future expected
                           net premiums. Assumptions as to
                               mortality and persistency are based
                              upon the Company's experience when
                         the basis of the liability is
                      established. Interest rate
                         assumptions for the aggregate
                             future policy benefit liabilities
                 range from 2% to 11%.
--------------------------------------------------------------------
Individual and group          Present value of future expected      
traditional fixed annuities     payments. Interest rate assumptions 
after annuitization             used in establishing such           
                             liabilities range from 1% to 11%.
--------------------------------------------------------------------
Non-medical health insurance  The net level premium method and      
                               assumptions as to future morbidity,
                           withdrawals and interest, which
                        provide a margin for adverse
                    deviation. Interest rate
                            assumptions used in establishing
                             such liabilities range from 1% to
7%. 
--------------------------------------------------------------------
Disabled lives                Present value of benefits method and  
                              experience assumptions as to claim
                      terminations, expenses and
                               interest. Interest rate assumptions
                     used in establishing such
                            liabilities range from 2% to 8%.
--------------------------------------------------------------------

Participating business represented 3% and 4% of the Company's life insurance
in-force at December 31, 2018 and 2017, respectively. Participating policies    
represented 20%, 21% and 26% of gross traditional life insurance premiums for   
the years ended December 31, 2018, 2017 and 2016, respectively.                 

Policyholder account balances are equal to: (i) policy account values, which
consist of an accumulation of gross premium payments; and (ii) credited         
interest, ranging from less than 1% to 13%, less expenses, mortality charges    
and withdrawals.                                                                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Guarantees                                                                      

  The Company issues directly and assumes through reinsurance variable annuity
products with guaranteed minimum benefits. GMABs, the non-life contingent       
portion of GMWBs and certain non-life contingent portions of GMIBs are          
accounted for as embedded derivatives in policyholder account balances and are  
further discussed in Note 9. Guarantees accounted for as insurance liabilities  
include:                                                                        

                                                        [Enlarge/Download Table]
                                                                                                    
----------------------------------------------------------------------------------------------------
Guarantee:                                      Measurement Assumptions:                            
----------------------------------------------------------------------------------------------------
GMDBs  . A return of purchase payment upon    . Present value of expected death benefits in excess  
          death even if the account value is     of the projected account balance recognizing the   
          reduced to zero.                       excess ratably over the accumulation period        
                                                 based on the present value of total expected       
                                                 assessments.                                       

       . An enhanced death benefit may be     . Assumptions are consistent with those used for      
          available for an additional fee.       amortizing DAC, and are thus subject to the        
                                                 same variability and risk.                         

                                              .  Investment performance and volatility assumptions  
                                                 are consistent with the historical experience of   
                                                 the appropriate underlying equity index, such as   
                                                 the S&P 500 Index.                                 

                                              . Benefit assumptions are based on the average        
                                                 benefits payable over a range of scenarios.        
----------------------------------------------------------------------------------------------------
GMIBs  . After a specified period of time     . Present value of expected income benefits in excess 
          determined at the time of issuance     of the projected account balance at any future     
          of the variable annuity contract,      date of annuitization and recognizing the excess   
          a minimum accumulation of purchase     ratably over the accumulation period based on      
          payments, even if the account          present value of total expected assessments.       
          value is reduced to zero, that can                                                        
          be annuitized to receive a monthly                                                        
          income stream that is not less                                                            
          than a specified amount.                                                                  

       .  Certain contracts also provide for  . Assumptions are consistent with those used for      
          a guaranteed lump sum return of        estimating GMDB liabilities.                       
          purchase premium in lieu of the                                                           
          annuitization benefit.                                                                    

                                              . Calculation incorporates an assumption for the      
                                                 percentage of the potential annuitizations that    
                                                 may be elected by the contractholder.              
----------------------------------------------------------------------------------------------------
GMWBs. . A return of purchase payment via     . Expected value of the life contingent payments and  
          partial withdrawals, even if the       expected assessments using assumptions             
          account value is reduced to zero,      consistent with those used for estimating the      
          provided that cumulative               GMDB liabilities.                                  
          withdrawals in a contract year do                                                         
          not exceed a certain limit.                                                               

       . Certain contracts include                                                                  
          guaranteed withdrawals that are                                                           
          life contingent.                                                                          
----------------------------------------------------------------------------------------------------

The Company also issues other annuity contracts that apply a lower rate on  
funds deposited if the contractholder elects to surrender the contract for cash 
and a higher rate if the contractholder elects to annuitize. These guarantees   
include benefits that are payable in the event of death, maturity or at         
annuitization. Certain other annuity contracts contain guaranteed annuitization 
benefits that may be above what would be provided by the current account value  
of the contract. Additionally, the Company issues universal and variable life   
contracts where the Company contractually guarantees to the contractholder a    
secondary guarantee or a guaranteed paid-up benefit.                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

 Information regarding the liabilities for guarantees (excluding base policy
liabilities and embedded derivatives) relating to annuity and universal and     
variable life contracts was as follows:                                         

                                                        [Enlarge/Download Table]

                                                      Universal and Variable              
                                 Annuity Contracts        Life Contracts                  
                              ----------------------  ----------------------              
                               GMDBs and              Secondary    Paid-Up                
                                 GMWBs       GMIBs    Guarantees  Guarantees     Total    
                              ----------  ----------  ----------  ---------- ------------ 
                                                     (In millions)                        
                                                                                          
Direct:                                                                                   
Balance at January 1, 2016... $      232  $      538  $      627  $      91  $      1,488 
Incurred guaranteed benefits.         55          63          92         11           221 
Paid guaranteed benefits.....         (1)         --          --         --            (1)
Dispositions (1).............        (18)       (134)        (99)        --          (251)
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2016.        268         467         620        102         1,457 
Incurred guaranteed benefits.         58         112         105          7           282 
Paid guaranteed benefits.....         --          --          --         --            -- 
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2017.        326         579         725        109         1,739 
Incurred guaranteed benefits.          3         162          95          5           265 
Paid guaranteed benefits.....        (12)         (3)         --         --           (15)
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2018. $      317  $      738  $      820  $     114  $      1,989 
                              ==========  ==========  ==========  =========  ============ 
Ceded:                                                                                    
Balance at January 1, 2016... $       50  $       26  $      354  $      63  $        493 
Incurred guaranteed benefits.         13          (8)         (8)         8             5 
Paid guaranteed benefits.....         (1)         --          --         --            (1)
Dispositions (1).............        (18)        (39)        (97)        --          (154)
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2016.         44         (21)        249         71           343 
Incurred guaranteed benefits.        (44)         21          23          5             5 
Paid guaranteed benefits.....         --          --          --         --            -- 
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2017.         --          --         272         76           348 
Incurred guaranteed benefits.         --          --          29          4            33 
Paid guaranteed benefits.....         --          --          --         --            -- 
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2018. $       --  $       --  $      301  $      80  $        381 
                              ==========  ==========  ==========  =========  ============ 
Net:                                                                                      
Balance at January 1, 2016... $      182  $      512  $      273  $      28  $        995 
Incurred guaranteed benefits.         42          71         100          3           216 
Paid guaranteed benefits.....         --          --          --         --            -- 
Dispositions (1).............         --         (95)         (2)        --           (97)
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2016.        224         488         371         31         1,114 
Incurred guaranteed benefits.        102          91          82          2           277 
Paid guaranteed benefits.....         --          --          --         --            -- 
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2017.        326         579         453         33         1,391 
Incurred guaranteed benefits.          3         162          66          1           232 
Paid guaranteed benefits.....        (12)         (3)         --         --           (15)
                              ----------  ----------  ----------  ---------  ------------ 
Balance at December 31, 2018. $      317  $      738  $      519  $      34  $      1,608 
                              ==========  ==========  ==========  =========  ============ 

--------                                                                        

(1) See Note 3.                                                                 

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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Information regarding the Company's guarantee exposure, which includes  
direct business, but excludes offsets from hedging or reinsurance, if any,  
was as follows at:                                                          

                                                        [Enlarge/Download Table]

                                                                        December 31,                                
                                         -----------------------------------------------------------------------    
                                                         2018                                  2017                 
                                         ---------------------------------     ---------------------------------    
                                              In the               At               In the               At         
                                           Event of Death      Annuitization     Event of Death      Annuitization  
                                         ----------------   ---------------    ----------------   ---------------   
                                                                    (Dollars in millions)                           
                                                                                                                    
Annuity Contracts:                                                                                                  
Variable Annuity Guarantees:                                                                                        
  Total account value (1), (2)..........  $      47,393      $      20,692      $      56,136      $      25,257    
  Separate account value (1)............  $      37,342      $      19,839      $      45,431      $      24,336    
  Net amount at risk....................  $       2,433 (3)  $         418 (4)  $         990 (3)  $         353 (4)
Average attained age of contractholders.       67 years           65 years           66 years           65 years    
Other Annuity Guarantees:                                                                                           
  Total account value (1), (2)..........            N/A      $         144                N/A      $         141    
  Net amount at risk....................            N/A      $          85 (5)            N/A      $          92 (5)
Average attained age of contractholders.            N/A           53 years                N/A           52 years    

                                                                        December 31,                                
                                         -----------------------------------------------------------------------    
                                                         2018                                  2017                 
                                         ---------------------------------     ---------------------------------    
                                            Secondary            Paid-Up          Secondary            Paid-Up      
                                             Guarantees         Guarantees         Guarantees        Guarantees     
                                         ----------------   ---------------    ----------------   ---------------   
                                                                    (Dollars in millions)                           
Universal and Variable Life Contracts:                                                                              
  Total account value (1), (2)..........  $       4,614      $         937      $       4,679      $         977    
  Net amount at risk (6)................  $      44,596      $       6,290      $      46,704      $       6,713    
Average attained age of policyholders...       55 years           63 years           54 years           62 years    

--------                                                                        

(1) The Company's annuity and life contracts with guarantees may offer more     
  than one type of guarantee in each contract. Therefore, the amounts listed
above may not be mutually exclusive.                                    

(2) Includes the contractholder's investments in the general account and        
separate account, if applicable.                                        

(3) Defined as the death benefit less the total account value, as of the        
  balance sheet date. It represents the amount of the claim that the Company
would incur if death claims were filed on all contracts on the balance  
 sheet date and includes any additional contractual claims associated with
 riders purchased to assist with covering income taxes payable upon death.

(4) Defined as the amount (if any) that would be required to be added to the    
  total account value to purchase a lifetime income stream, based on current
annuity rates, equal to the minimum amount provided under the guaranteed
 benefit. This amount represents the Company's potential economic exposure
to such guarantees in the event all contractholders were to annuitize on
  the balance sheet date, even though the contracts contain terms that allow
 annuitization of the guaranteed amount only after the 10th anniversary of
the contract, which not all contractholders have achieved.              

(5) Defined as either the excess of the upper tier, adjusted for a profit       
   margin, less the lower tier, as of the balance sheet date or the amount (if
any) that would be required to be added to the total account value to   
   purchase a lifetime income stream, based on current annuity rates, equal to
the minimum amount provided under the guaranteed benefit. These amounts 
 represent the Company's potential economic exposure to such guarantees in
  the event all contractholders were to annuitize on the balance sheet date.

(6) Defined as the guarantee amount less the account value, as of the balance   
sheet date. It represents the amount of the claim that the Company would
    incur if death claims were filed on all contracts on the balance sheet date.

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Account balances of contracts with guarantees were invested in separate   
account asset classes as follows at:                                            

                                                                [Download Table]

                        December 31,        
                 ---------------------------
                     2018          2017     
                 ------------- -------------
                        (In millions)       
                                            
Fund Groupings:                             
Equity.......... $      18,073 $      21,464
Balanced........        15,831        19,443
Bond............         2,885         3,798
Money Market....            53            57
                 ------------- -------------
  Total......... $      36,842 $      44,762
                 ============= =============

Obligations Assumed Under Structured Settlement Assignments                     

The Company assumed structured settlement claim obligations as an assignment
company. These liabilities are measured at the present value of the periodic    
claims to be provided and reported as other policy-related balances. The        
Company received a fee for assuming these claim obligations and, as the         
assignee of the claim, is legally obligated to ensure periodic payments are     
made to the claimant. The Company purchased annuities from Brighthouse to fund  
these periodic payment claim obligations and designates payments to be made     
directly to the claimant by Brighthouse as the annuity writer. These annuities  
funding structured settlement claims are recorded as an investment. See Note 1. 

 See Note 8 for additional information on obligations assumed under structured
settlement assignments.                                                         

Obligations Under Funding Agreements                                            

The Company issues fixed and floating rate funding agreements, which are    
denominated in either U.S. dollars or foreign currencies, to certain            
unconsolidated special purpose entities ("SPEs") that have issued either debt   
securities or commercial paper for which payment of interest and principal is   
secured by such funding agreements. During the years ended December 31, 2018,   
2017 and 2016, the Company issued $41.8 billion, $42.7 billion and              
$39.7 billion, respectively, and repaid $43.7 billion, $41.4 billion and        
$38.5 billion, respectively, of such funding agreements. At December 31, 2018   
and 2017, liabilities for funding agreements outstanding, which are included in 
policyholder account balances, were $32.3 billion and $34.2 billion,            
respectively.                                                                   

Metropolitan Life Insurance Company is a member of the FHLB of New York.    
Holdings of common stock of the FHLB of New York, included in other invested    
assets, were $724 million and $733 million at December 31, 2018 and 2017,       
respectively.                                                                   

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

The Company has also entered into funding agreements with the FHLB of New 
York and a subsidiary of the Federal Agricultural Mortgage Corporation, a       
federally chartered instrumentality of the U.S. ("Farmer Mac"). The liability   
for such funding agreements is included in policyholder account balances.       
Information related to such funding agreements was as follows at:               

                                                                [Download Table]

                              Liability                    Collateral            
                      ------------------------- ---------------------------------
                                             December 31,                        
                      -----------------------------------------------------------
                          2018         2017           2018             2017      
                      ------------ ------------ ---------------- ----------------
                                             (In millions)                       
                                                                                 
FHLB of New York (1). $     14,245 $     14,445 $     16,340 (2) $     16,605 (2)
Farmer Mac (3)....... $      2,550 $      2,550 $          2,639 $          2,644

--------                                                                        

(1) Represents funding agreements issued to the FHLB of New York in exchange    
for cash and for which the FHLB of New York has been granted a lien on  
 certain assets, some of which are in the custody of the FHLB of New York,
   including residential mortgage-backed securities ("RMBS"), to collateralize
  obligations under advances evidenced by funding agreements. The Company is
 permitted to withdraw any portion of the collateral in the custody of the
  FHLB of New York as long as there is no event of default and the remaining
qualified collateral is sufficient to satisfy the collateral maintenance
level. Upon any event of default by the Company, the FHLB of New York's 
recovery on the collateral is limited to the amount of the Company's    
liability to the FHLB of New York.                                      

(2) Advances are collateralized by mortgage-backed securities. The amount of    
collateral presented is at estimated fair value.                        

(3) Represents funding agreements issued to a subsidiary of Farmer Mac, as well 
as certain SPEs that have issued debt securities for which payment of   
   interest and principal is secured by such funding agreements, and such debt
 securities are also guaranteed as to payment of interest and principal by
   Farmer Mac. The obligations under these funding agreements are secured by a
pledge of certain eligible agricultural mortgage loans and may, under   
   certain circumstances, be secured by other qualified collateral. The amount
of collateral presented is at carrying value.                           

Liabilities for Unpaid Claims and Claim Expenses                                

The following is information about incurred and paid claims development by  
segment as of December 31, 2018. Such amounts are presented net of reinsurance, 
and are not discounted. The tables present claims development and cumulative    
claim payments by incurral year. The development tables are only presented for  
significant short-duration product liabilities within each segment. Where       
practical, up to 10 years of history has been provided. The information about   
incurred and paid claims development prior to 2018 is presented as              
supplementary information.                                                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

U.S.                                                                        

Group Life - Term                                                         

                                                        [Enlarge/Download Table]

             Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance          At December 31, 2018    
         ----------------------------------------------------------------------------------  ----------------------------
                                  For the Years Ended December 31,                              Total IBNR               
         ----------------------------------------------------------------------------------  Liabilities Plus            
                                        (Unaudited)                                              Expected     Cumulative 
         -------------------------------------------------------------------------            Development on  Number of  
Incurral                                                                                         Reported      Reported  
  Year      2011        2012       2013      2014      2015      2016      2017      2018         Claims        Claims   
-------- ----------- ----------- --------- --------- --------- --------- --------- --------  ---------------- -----------
                                                      (Dollars in millions)                                              
                                                                                                                         
  2011.. $     6,318 $     6,290 $   6,293 $   6,269 $   6,287 $   6,295 $   6,294 $  6,295       $    1          207,608
  2012..                   6,503     6,579     6,569     6,546     6,568     6,569    6,569            1          209,047
  2013..                             6,637     6,713     6,719     6,720     6,730    6,720            3          211,341
  2014..                                       6,986     6,919     6,913     6,910    6,914            5          213,388
  2015..                                                 7,040     7,015     7,014    7,021           11          213,243
  2016..                                                           7,125     7,085    7,095           14          210,706
  2017..                                                                     7,432    7,418           31          246,364
  2018..                                                                              7,757          899          203,329
                                                                                   --------                              
 Total.................................................................              55,789                              
Cumulative paid claims and paid allocated claim adjustment expenses,                                                     
 net of reinsurance.....................................................            (53,786)                             
All outstanding liabilities for incurral years prior to 2011, net of                                                     
 reinsurance............................................................                  9                              
                                                                                   --------                              
 Total unpaid claims and claim adjustment expenses, net of                                                               
  reinsurance..........................................................            $  2,012                              
                                                                                   ========                              

                                                        [Enlarge/Download Table]

                   Cumulative Paid Claims and Paid Allocated Claim Adjustment Expenses, Net of Reinsurance 
                  -----------------------------------------------------------------------------------------
                                              For the Years Ended December 31,                             
                  -----------------------------------------------------------------------------------------
                                                  (Unaudited)                                              
                  ---------------------------------------------------------------------------- ------------
Incurral Year        2011       2012       2013       2014       2015       2016       2017        2018    
-------------     ---------- ---------- ---------- ---------- ---------- ---------- ---------- ------------
                                                        (In millions)                                      
                                                                                                           
    2011......... $    4,982 $    6,194 $    6,239 $    6,256 $    6,281 $    6,290 $    6,292  $     6,295
    2012.........                 5,132      6,472      6,518      6,532      6,558      6,565        6,566
    2013.........                            5,216      6,614      6,664      6,678      6,711        6,715
    2014.........                                       5,428      6,809      6,858      6,869        6,902
    2015.........                                                  5,524      6,913      6,958        6,974
    2016.........                                                             5,582      6,980        7,034
    2017.........                                                                        5,761        7,292
    2018.........                                                                                     6,008
                                                                                               ------------
 Total cumulative paid claims and paid allocated claim adjustment expenses, net of reinsurance  $    53,786
                                                                                               ============

Average Annual Percentage Payout                                          

    The following is supplementary information about average historical claims
duration as of December 31, 2018:                                         

                                                        [Enlarge/Download Table]

                         Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
                   ----------------------------------------------------------------------------------- 
                                                                                                       
Years.............   1           2          3          4          5          6         7        8      
Group Life - Term. 78.2%       20.2%       0.7%       0.2%       0.4%       0.1%      --%      --%     

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Group Long-Term Disability                                                

                                                        [Enlarge/Download Table]

             Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance              At December 31, 2018    
           ------------------------------------------------------------------------------------  ----------------------------
                                  For the Years Ended December 31,                                  Total IBNR               
           ------------------------------------------------------------------------------------  Liabilities Plus            
                                        (Unaudited)                                                  Expected     Cumulative 
           ----------------------------------------------------------------------------           Development on  Number of  
Incurral                                                                                             Reported      Reported  
 Year        2011       2012       2013       2014       2015       2016       2017       2018        Claims        Claims   
--------   ---------  ---------  ---------  ---------  ---------  ---------  ---------  -------  ---------------- -----------
                                                      (Dollars in millions)                                                  
                                                                                                                             
  2011.... $     955  $     916  $     894  $     914  $     924  $     923  $     918  $   917       $   --           21,643
  2012....                  966        979        980      1,014      1,034      1,037    1,021           --           20,085
  2013....                           1,008      1,027      1,032      1,049      1,070    1,069           --           21,135
  2014....                                      1,076      1,077      1,079      1,101    1,109           --           22,846
  2015....                                                 1,082      1,105      1,093    1,100           --           21,177
  2016....                                                            1,131      1,139    1,159            6           17,897
  2017....                                                                       1,244    1,202           29           15,968
  2018....                                                                                1,240          621            8,208
                                                                                        -------                              
 Total................................................................................    8,817                              
Cumulative paid claims and paid allocated claim adjustment expenses, net of reinsurance  (3,815)                             
All outstanding liabilities for incurral years prior to 2011, net of reinsurance.......   2,110                              
                                                                                        -------                              
 Total unpaid claims and claim adjustment expenses, net of reinsurance................  $ 7,112                              
                                                                                        =======                              

                                                        [Enlarge/Download Table]

                  Cumulative Paid Claims and Paid Allocated Claim Adjustment Expenses, Net of Reinsurance            
                  ---------------------------------------------------------------------------------------------------
                                             For the Years Ended December 31,                                        
                  ---------------------------------------------------------------------------------------------------
                                                  (Unaudited)                                                        
                  ----------------------------------------------------------------------------------------           
Incurral Year        2011         2012         2013         2014         2015         2016         2017       2018   
-------------      ----------   ----------   ----------   ----------   ----------   ----------  ---------- ----------
                                                       (In millions)                                                 
                                                                                                                     
    2011......... $       44   $      217   $      337   $      411   $      478   $      537   $      588  $     635
    2012.........                      43          229          365          453          524          591        648
    2013.........                                   43          234          382          475          551        622
    2014.........                                                51          266          428          526        609
    2015.........                                                             50          264          427        524
    2016.........                                                                          49          267        433
    2017.........                                                                                       56        290
    2018.........                                                                                                  54
                                                                                                           ----------
 Total cumulative paid claims and paid allocated claim adjustment expenses, net of reinsurance              $   3,815
                                                                                                           ==========

Average Annual Percentage Payout                                          

    The following is supplementary information about average historical claims
duration as of December 31, 2018:                                         

                                                        [Enlarge/Download Table]

                                  Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
                            ----------------------------------------------------------------------------------- 
                                                                                                                
Years......................  1           2           3          4         5         6         7         8       
Group Long-Term Disability. 4.4%       18.9%       14.0%       8.6%      7.2%      6.5%      5.6%      5.1%     

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Significant Methodologies and Assumptions                                   

Group Life - Term and Group Long-Term Disability incurred but not paid
("IBNP") liabilities are developed using a combination of loss ratio and  
 development methods. Claims in the course of settlement are then subtracted
  from the IBNP liabilities, resulting in the IBNR liabilities. The loss ratio
 method is used in the period in which the claims are neither sufficient nor
credible. In developing the loss ratios, any material rate increases that 
  could change the underlying premium without affecting the estimated incurred
losses are taken into account. For periods where sufficient and credible  
claim data exists, the development method is used based on the claim      
  triangles which categorize claims according to both the period in which they
were incurred and the period in which they were paid, adjudicated or      
  reported. The end result is a triangle of known data that is used to develop
known completion ratios and factors. Claims paid are then subtracted from 
the estimated ultimate incurred claims to calculate the IBNP liability.   

  An expense liability is held for the future expenses associated with the
payment of incurred but not yet paid claims (IBNR and pending). This is   
  expressed as a percentage of the underlying claims liability and is based on
past experience and the anticipated future expense structure.             

   For Group Life - Term and Group Long-Term Disability, first year incurred
 claims and allocated loss adjustment expenses increased in 2018 compared to
the 2017 incurral year due to the growth in the size of the business.     

There were no significant changes in methodologies during 2018. The   
assumptions used in calculating the unpaid claims and claim adjustment    
expenses for Group Life - Term and Group Long-Term Disability are updated 
annually to reflect emerging trends in claim experience.                  

    No additional premiums or return premiums have been accrued as a result of
the prior year development.                                               

Liabilities for Group Life - Term unpaid claims and claim adjustment  
expenses are not discounted.                                              

The liabilities for Group Long-Term Disability unpaid claims and claim
adjustment expenses were $6.0 billion at both December 31, 2018 and 2017. 
 Using interest rates ranging from 3% to 8%, based on the incurral year, the
total discount applied to these liabilities was $1.3 billion at both      
 December 31, 2018 and 2017. The amount of interest accretion recognized was
  $509 million, $510 million and $565 million for the years ended December 31,
2018, 2017 and 2016, respectively. These amounts were reflected in        
policyholder benefits and claims.                                         

    For Group Life - Term, claims were based upon individual death claims. For
 Group Long-Term Disability, claim frequency was determined by the number of
reported claims as identified by a unique claim number assigned to        
individual claimants. Claim counts initially include claims that do not   
ultimately result in a liability. These claims are omitted from the claim 
counts once it is determined that there is no liability.                  

 The Group Long-Term Disability IBNR, included in the development tables
above, was developed using discounted cash flows, and is presented on a   
discounted basis.                                                         

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Reconciliation of the Disclosure of Incurred and Paid Claims Development to 
the Liability for Unpaid Claims and Claim Adjustment Expenses               

 The reconciliation of the net incurred and paid claims development tables
to the liability for unpaid claims and claims adjustment expenses on the    
consolidated balance sheet was as follows at:                               

                                                        [Enlarge/Download Table]

                                                                                                    December 31, 2018       
                                                                                              ----------------------------- 
                                                                                                      (In millions)         
                                                                                                                            
Short-Duration:                                                                                                             
Unpaid claims and allocated claims adjustment expenses, net of reinsurance:                                                 
U.S.:                                                                                                                       
Group Life - Term............................................................................ $        2,012                
Group Long-Term Disability...................................................................          7,112                
                                                                                              --------------                
  Total......................................................................................                $        9,124 
Other insurance lines - all segments combined................................................                           517 
                                                                                                             -------------- 
  Total unpaid claims and allocated claims adjustment expenses, net of reinsurance...........                         9,641 
                                                                                                             -------------- 
Reinsurance recoverables on unpaid claims:                                                                                  
U.S.:                                                                                                                       
Group Life - Term............................................................................             20                
Group Long-Term Disability...................................................................            109                
                                                                                              --------------                
  Total......................................................................................                           129 
Other insurance lines - all segments combined................................................                            26 
                                                                                                             -------------- 
  Total reinsurance recoverable on unpaid claims.............................................                           155 
                                                                                                             -------------- 
  Total unpaid claims and allocated claims adjustment expense................................                         9,796 
Discounting..................................................................................                        (1,253)
                                                                                                             -------------- 
Liability for unpaid claims and claim adjustment liabilities - short-duration................                         8,543 
Liability for unpaid claims and claim adjustment liabilities - all long-duration lines.......                         4,047 
                                                                                                             -------------- 
  Total liability for unpaid claims and claim adjustment expense (included in future policy                                 
   benefits and other policy-related balances)...............................................                $       12,590 
                                                                                                             ============== 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

4. Insurance (continued)                                                        

Rollforward of Claims and Claim Adjustment Expenses                         

Information regarding the liabilities for unpaid claims and claim   
adjustment expenses was as follows:                                       

                                                        [Enlarge/Download Table]

                                                         Years Ended December 31,             
                                            ------------------------------------------------- 
                                                  2018             2017             2016      
                                            ---------------  ---------------  --------------- 
                                                              (In millions)                   
                                                                                              
Balance at December 31 of prior period..... $        12,090  $        11,621  $         7,527 
  Less: Reinsurance recoverables...........           1,401            1,251              273 
                                            ---------------  ---------------  --------------- 
Net balance at December 31 of prior period.          10,689           10,370            7,254 
Cumulative adjustment (1)..................              --               --            3,277 
                                            ---------------  ---------------  --------------- 
Net balance at January 1,..................          10,689           10,370           10,531 
Incurred related to:                                                                          
  Current year.............................          16,714           16,264           15,978 
  Prior years (2)..........................             241              175              322 
                                            ---------------  ---------------  --------------- 
    Total incurred.........................          16,955           16,439           16,300 
Paid related to:                                                                              
  Current year.............................         (12,359)         (12,212)         (12,454)
  Prior years..............................          (4,192)          (3,908)          (3,905)
                                            ---------------  ---------------  --------------- 
    Total paid.............................         (16,551)         (16,120)         (16,359)
Dispositions (3)...........................              --               --             (102)
                                            ---------------  ---------------  --------------- 
Net balance at December 31,................          11,093           10,689           10,370 
  Add: Reinsurance recoverables............           1,497            1,401            1,251 
                                            ---------------  ---------------  --------------- 
Balance at December 31,.................... $        12,590  $        12,090  $        11,621 
                                            ===============  ===============  =============== 

--------                                                                        

(1) Reflects the accumulated adjustment, net of reinsurance, upon               
   implementation of the short-duration contracts guidance which clarified the
 requirement to include claim information for long-duration contracts. The
  accumulated adjustment primarily reflects unpaid claim liabilities, net of
  reinsurance, for long-duration contracts as of the beginning of the period
presented.                                                              

(2) During 2018 and 2017, claims and claim adjustment expenses associated with  
prior years increased due to events incurred in prior years but reported
during current year. During 2016, claims and claim adjustment expenses  
   associated with prior years increased due to the implementation of guidance
related to short-duration contracts.                                    

(3) See Note 3.                                                                 

Separate Accounts                                                               

Separate account assets and liabilities include two categories of account   
types: pass-through separate accounts totaling $66.0 billion and $75.2 billion  
at December 31, 2018 and 2017, respectively, for which the policyholder assumes 
all investment risk, and separate accounts for which the Company contractually  
guarantees either a minimum return or account value to the policyholder which   
totaled $44.8 billion and $55.6 billion at December 31, 2018 and 2017,          
respectively. The latter category consisted primarily of guaranteed interest    
contracts ("GICs"). The average interest rate credited on these contracts was   
2.68% and 2.40% at December 31, 2018 and 2017, respectively.                    

For the years ended December 31, 2018, 2017 and 2016, there were no         
investment gains (losses) on transfers of assets from the general account to    
the separate accounts.                                                          

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

5. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles                                                                     

See Note 1 for a description of capitalized acquisition costs.              

Nonparticipating and Non-Dividend-Paying Traditional Contracts                  

The Company amortizes DAC and VOBA related to these contracts (term         
insurance, nonparticipating whole life insurance, traditional group life        
insurance, and non-medical health insurance) over the appropriate premium       
paying period in proportion to the actual and expected future gross premiums    
that were set at contract issue. The expected premiums are based upon the       
premium requirement of each policy and assumptions for mortality, morbidity,    
persistency and investment returns at policy issuance, or policy acquisition    
(as it relates to VOBA), include provisions for adverse deviation, and are      
consistent with the assumptions used to calculate future policyholder benefit   
liabilities. These assumptions are not revised after policy issuance or         
acquisition unless the DAC or VOBA balance is deemed to be unrecoverable from   
future expected profits. Absent a premium deficiency, variability in            
amortization after policy issuance or acquisition is caused only by variability 
in premium volumes.                                                             

Participating, Dividend-Paying Traditional Contracts                            

The Company amortizes DAC and VOBA related to these contracts over the      
estimated lives of the contracts in proportion to actual and expected future    
gross margins. The amortization includes interest based on rates in effect at   
inception or acquisition of the contracts. The future gross margins are         
dependent principally on investment returns, policyholder dividend scales,      
mortality, persistency, expenses to administer the business, creditworthiness   
of reinsurance counterparties and certain economic variables, such as           
inflation. For participating contracts within the closed block (dividend-paying 
traditional contracts) future gross margins are also dependent upon changes in  
the policyholder dividend obligation. See Note 7. Of these factors, the Company 
anticipates that investment returns, expenses, persistency and other factor     
changes, as well as policyholder dividend scales, are reasonably likely to      
impact significantly the rate of DAC and VOBA amortization. Each reporting      
period, the Company updates the estimated gross margins with the actual gross   
margins for that period. When the actual gross margins change from previously   
estimated gross margins, the cumulative DAC and VOBA amortization is            
re-estimated and adjusted by a cumulative charge or credit to current           
operations. When actual gross margins exceed those previously estimated, the    
DAC and VOBA amortization will increase, resulting in a current period charge   
to earnings. The opposite result occurs when the actual gross margins are below 
the previously estimated gross margins. Each reporting period, the Company also 
updates the actual amount of business in-force, which impacts expected future   
gross margins. When expected future gross margins are below those previously    
estimated, the DAC and VOBA amortization will increase, resulting in a current  
period charge to earnings. The opposite result occurs when the expected future  
gross margins are above the previously estimated expected future gross margins. 
Each period, the Company also reviews the estimated gross margins for each      
block of business to determine the recoverability of DAC and VOBA balances.     

Fixed and Variable Universal Life Contracts and Fixed and Variable Deferred     
Annuity Contracts                                                               

The Company amortizes DAC and VOBA related to these contracts over the      
estimated lives of the contracts in proportion to actual and expected future    
gross profits. The amortization includes interest based on rates in effect at   
inception or acquisition of the contracts. The amount of future gross profits   
is dependent principally upon returns in excess of the amounts credited to      
policyholders, mortality, persistency, interest crediting rates, expenses to    
administer the business, creditworthiness of reinsurance counterparties, the    
effect of any hedges used and certain economic variables, such as inflation. Of 
these factors, the Company anticipates that investment returns, expenses and    
persistency are reasonably likely to significantly impact the rate of DAC and   
VOBA amortization. Each reporting period, the Company updates the estimated     
gross profits with the actual gross profits for that period. When the actual    
gross profits change from previously estimated gross profits, the cumulative    
DAC and VOBA amortization is re-estimated and adjusted by a cumulative charge   
or credit to current operations. When actual gross profits exceed those         
previously estimated, the DAC and VOBA amortization will increase, resulting in 
a current period charge to earnings. The opposite result occurs when the actual 
gross profits are below the previously estimated gross profits. Each reporting  
period, the Company also updates the actual amount of business remaining        
in-force, which impacts expected future gross profits. When expected future     
gross profits are below those previously estimated, the DAC and VOBA            
amortization will increase, resulting in a current period charge to earnings.   
The opposite result occurs when the expected future gross profits are above the 
previously estimated expected future gross profits. Each period, the Company    
also reviews the estimated gross profits for each block of business to          
determine the recoverability of DAC and VOBA balances.                          

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

5. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles (continued)                                                         

Factors Impacting Amortization                                                  

Separate account rates of return on variable universal life contracts and   
variable deferred annuity contracts affect in-force account balances on such    
contracts each reporting period, which can result in significant fluctuations   
in amortization of DAC and VOBA. Returns that are higher than the Company's     
long-term expectation produce higher account balances, which increases the      
Company's future fee expectations and decreases future benefit payment          
expectations on minimum death and living benefit guarantees, resulting in       
higher expected future gross profits. The opposite result occurs when returns   
are lower than the Company's long-term expectation. The Company's practice to   
determine the impact of gross profits resulting from returns on separate        
accounts assumes that long-term appreciation in equity markets is not changed   
by short-term market fluctuations, but is only changed when sustained interim   
deviations are expected. The Company monitors these events and only changes the 
assumption when its long-term expectation changes.                              

The Company also periodically reviews other long-term assumptions underlying
the projections of estimated gross margins and profits. These assumptions       
primarily relate to investment returns, policyholder dividend scales, interest  
crediting rates, mortality, persistency, policyholder behavior and expenses to  
administer business. Management annually updates assumptions used in the        
calculation of estimated gross margins and profits which may have significantly 
changed. If the update of assumptions causes expected future gross margins and  
profits to increase, DAC and VOBA amortization will decrease, resulting in a    
current period increase to earnings. The opposite result occurs when the        
assumption update causes expected future gross margins and profits to decrease. 

Periodically, the Company modifies product benefits, features, rights or    
coverages that occur by the exchange of a contract for a new contract, or by    
amendment, endorsement, or rider to a contract, or by election or coverage      
within a contract. If such modification, referred to as an internal             
replacement, substantially changes the contract, the associated DAC or VOBA is  
written off immediately through income and any new deferrable costs associated  
with the replacement contract are deferred. If the modification does not        
substantially change the contract, the DAC or VOBA amortization on the original 
contract will continue and any acquisition costs associated with the related    
modification are expensed.                                                      

Amortization of DAC and VOBA is attributed to net investment gains (losses) 
and net derivative gains (losses), and to other expenses for the amount of      
gross margins or profits originating from transactions other than investment    
gains and losses. Unrealized investment gains and losses represent the amount   
of DAC and VOBA that would have been amortized if such gains and losses had     
been recognized.                                                                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

5. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles (continued)                                                         

Information regarding DAC and VOBA was as follows:                          

                                                        [Enlarge/Download Table]

                                                                              Years Ended December 31,             
                                                                 ------------------------------------------------- 
                                                                       2018             2017             2016      
                                                                 ---------------  ---------------  --------------- 
                                                                                   (In millions)                   
                                                                                                                   
DAC:                                                                                                               
Balance at January 1,...........................................  $        4,320   $        4,714   $        5,977 
Capitalizations.................................................              34               61              332 
Amortization related to:                                                                                           
Net investment gains (losses) and net derivative gains (losses).            (114)              91              353 
Other expenses..................................................            (355)            (331)            (791)
                                                                 ---------------  ---------------  --------------- 
  Total amortization............................................            (469)            (240)            (438)
                                                                 ---------------  ---------------  --------------- 
Unrealized investment gains (losses)............................             204             (215)             (12)
Dispositions (1)................................................              --               --           (1,145)
                                                                 ---------------  ---------------  --------------- 
Balance at December 31,.........................................           4,089            4,320            4,714 
                                                                 ---------------  ---------------  --------------- 
VOBA:                                                                                                              
Balance at January 1,...........................................              28               29               66 
Amortization related to:                                                                                           
Other expenses..................................................              (1)              (1)              (3)
                                                                 ---------------  ---------------  --------------- 
  Total amortization............................................              (1)              (1)              (3)
                                                                 ---------------  ---------------  --------------- 
Unrealized investment gains (losses)............................               1               --               13 
Dispositions (1)................................................              --               --              (47)
                                                                 ---------------  ---------------  --------------- 
Balance at December 31,.........................................              28               28               29 
                                                                 ---------------  ---------------  --------------- 
Total DAC and VOBA:                                                                                                
Balance at December 31,.........................................  $        4,117   $        4,348   $        4,743 
                                                                 ===============  ===============  =============== 

--------                                                                        
(1)See Note 3.                                                                  

Information regarding total DAC and VOBA by segment, as well as Corporate & 
Other, was as follows at:                                                       

                                                                [Download Table]

                          December 31,        
                   ---------------------------
                       2018          2017     
                   ------------- -------------
                          (In millions)       
                                              
U.S...............  $        403  $        413
MetLife Holdings..         3,709         3,930
Corporate & Other.             5             5
                   ------------- -------------
  Total...........  $      4,117  $      4,348
                   ============= =============

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

5. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles (continued)                                                         

Information regarding other intangibles was as follows:                   

                                                                [Download Table]

                                           Years Ended December 31,      
                                      ---------------------------------- 
                                         2018        2017        2016    
                                      ----------  ----------  ---------- 
                                                 (In millions)           
                                                                         
DSI:                                                                     
Balance at January 1,................ $       93  $      105  $      130 
Capitalization.......................          1           1           4 
Amortization.........................        (15)         (8)        (16)
Unrealized investment gains (losses).         14          (5)          1 
Dispositions (1)..................... $       --  $       --  $      (14)
                                      ----------  ----------  ---------- 
Balance at December 31,.............. $       93  $       93  $      105 
                                      ==========  ==========  ========== 
VODA and VOCRA:                                                          
Balance at January 1,................ $      207  $      235  $      265 
Amortization.........................        (26)        (28)        (30)
                                      ----------  ----------  ---------- 
Balance at December 31,.............. $      181  $      207  $      235 
                                      ==========  ==========  ========== 
  Accumulated amortization........... $      276  $      250  $      222 
                                      ==========  ==========  ========== 

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

(1)See Note 3.                                                            

The estimated future amortization expense to be reported in other expenses  
for the next five years was as follows:                                         

                                                                [Download Table]

                                                       VOBA     VODA and VOCRA
                                                   ------------ --------------
                                                          (In millions)       
                                                                              
2019.............................................. $          2 $          24 
2020.............................................. $          2 $          22 
2021.............................................. $          2 $          19 
2022.............................................. $          2 $          17 
2023.............................................. $          2 $          15 

6. Reinsurance                                                                  

The Company enters into reinsurance agreements primarily as a purchaser of  
reinsurance for its various insurance products and also as a provider of        
reinsurance for some insurance products issued by affiliated and unaffiliated   
companies. The Company participates in reinsurance activities in order to limit 
losses, minimize exposure to significant risks and provide additional capacity  
for future growth.                                                              

Accounting for reinsurance requires extensive use of assumptions and        
estimates, particularly related to the future performance of the underlying     
business and the potential impact of counterparty credit risks. The Company     
periodically reviews actual and anticipated experience compared to the          
aforementioned assumptions used to establish assets and liabilities relating to 
ceded and assumed reinsurance and evaluates the financial strength of           
counterparties to its reinsurance agreements using criteria similar to that     
evaluated in the security impairment process discussed in Note 8.               

U.S.                                                                            

For certain policies within its Group Benefits business, the Company        
generally retains most of the risk and only cedes particular risks on certain   
client arrangements. The majority of the Company's reinsurance activity within  
this business relates to client agreements for employer sponsored captive       
programs, risk-sharing agreements and multinational pooling.                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

The Company's RIS business has periodically engaged in reinsurance          
activities, on an opportunistic basis. There were no such transactions during   
the periods presented.                                                          

MetLife Holdings                                                                

For its life products, the Company has historically reinsured the mortality 
risk primarily on an excess of retention basis or on a quota share basis. In    
addition to reinsuring mortality risk as described above, the Company reinsures 
other risks, as well as specific coverages. Placement of reinsurance is done    
primarily on an automatic basis and also on a facultative basis for risks with  
specified characteristics.                                                      

Catastrophe Coverage                                                            

The Company has exposure to catastrophes which could contribute to          
significant fluctuations in its results of operations. The Company purchases    
catastrophe coverage to reinsure risks issued within territories that it        
believes are subject to the greatest catastrophic risks. The Company uses       
excess of retention and quota share reinsurance agreements to provide greater   
diversification of risk and minimize exposure to larger risks. Excess of        
retention reinsurance agreements provide for a portion of a risk to remain with 
the direct writing company and quota share reinsurance agreements provide for   
the direct writing company to transfer a fixed percentage of all risks of a     
class of policies.                                                              

Reinsurance Recoverables                                                        

The Company reinsures its business through a diversified group of           
well-capitalized reinsurers. The Company analyzes recent trends in arbitration  
and litigation outcomes in disputes, if any, with its reinsurers. The Company   
monitors ratings and evaluates the financial strength of its reinsurers by      
analyzing their financial statements. In addition, the reinsurance recoverable  
balance due from each reinsurer is evaluated as part of the overall monitoring  
process. Recoverability of reinsurance recoverable balances is evaluated based  
on these analyses. The Company generally secures large reinsurance recoverable  
balances with various forms of collateral, including secured trusts, funds      
withheld accounts, and irrevocable letters of credit. These reinsurance         
recoverable balances are stated net of allowances for uncollectible             
reinsurance, which at December 31, 2018 and 2017 were not significant.          

 The Company has secured certain reinsurance recoverable balances with various
forms of collateral, including secured trusts, funds withheld accounts and      
irrevocable letters of credit. The Company had $1.9 billion of unsecured        
unaffiliated reinsurance recoverable balances at both December 31, 2018 and     
2017.                                                                           

At December 31, 2018, the Company had $2.9 billion of net unaffiliated ceded
reinsurance recoverables. Of this total, $2.0 billion, or 69%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $1.3 billion of 
net unaffiliated ceded reinsurance recoverables which were unsecured. At        
December 31, 2017, the Company had $2.9 billion of net unaffiliated ceded       
reinsurance recoverables. Of this total, $2.1 billion, or 72%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $1.3 billion of 
net unaffiliated ceded reinsurance recoverables which were unsecured.           

The Company has reinsured with an unaffiliated third-party reinsurer 59% of 
the closed block through a modified coinsurance agreement. The Company accounts 
for this agreement under the deposit method of accounting. The Company, having  
the right of offset, has offset the modified coinsurance deposit with the       
deposit recoverable.                                                            

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

The amounts on the consolidated statements of operations include the impact 
of reinsurance. Information regarding the significant effects of reinsurance    
was as follows:                                                                 

                                                        [Enlarge/Download Table]

                                                                         Years Ended December 31,          
                                                               ------------------------------------------- 
                                                                    2018           2017           2016     
                                                               -------------  -------------  ------------- 
                                                                              (In millions)                
                                                                                                           
Premiums                                                                                                   
Direct premiums...............................................  $     26,883   $     23,062   $     21,931 
Reinsurance assumed...........................................           752          1,116          1,687 
Reinsurance ceded.............................................        (1,022)        (1,253)        (1,225)
                                                               -------------  -------------  ------------- 
  Net premiums................................................  $     26,613   $     22,925   $     22,393 
                                                               =============  =============  ============= 
Universal life and investment-type product policy fees                                                     
Direct universal life and investment-type product policy fees.  $      2,382   $      2,492   $      3,006 
Reinsurance assumed...........................................             9             12             60 
Reinsurance ceded.............................................          (267)          (277)          (524)
                                                               -------------  -------------  ------------- 
  Net universal life and investment-type product policy fees..  $      2,124   $      2,227   $      2,542 
                                                               =============  =============  ============= 
Other revenues                                                                                             
Direct other revenues.........................................  $      1,017   $        930   $        851 
Reinsurance assumed...........................................           (11)            35             (2)
Reinsurance ceded.............................................           580            605            629 
                                                               -------------  -------------  ------------- 
  Net other revenues..........................................  $      1,586   $      1,570   $      1,478 
                                                               =============  =============  ============= 
Policyholder benefits and claims                                                                           
Direct policyholder benefits and claims.......................  $     29,589   $     26,199   $     25,248 
Reinsurance assumed...........................................           691            875          1,496 
Reinsurance ceded.............................................        (1,183)        (1,282)        (1,431)
                                                               -------------  -------------  ------------- 
  Net policyholder benefits and claims........................  $     29,097   $     25,792   $     25,313 
                                                               =============  =============  ============= 
Interest credited to policyholder account balances                                                         
Direct interest credited to policyholder account balances.....  $      2,446   $      2,199   $      2,279 
Reinsurance assumed...........................................            46             49             35 
Reinsurance ceded.............................................           (13)           (13)           (81)
                                                               -------------  -------------  ------------- 
  Net interest credited to policyholder account balances......  $      2,479   $      2,235   $      2,233 
                                                               =============  =============  ============= 
Other expenses                                                                                             
Direct other expenses.........................................  $      4,650   $      4,489   $      4,830 
Reinsurance assumed...........................................            71            138            583 
Reinsurance ceded.............................................           470            508            390 
                                                               -------------  -------------  ------------- 
  Net other expenses..........................................  $      5,191   $      5,135   $      5,803 
                                                               =============  =============  ============= 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

The amounts on the consolidated balance sheets include the impact of        
reinsurance. Information regarding the significant effects of reinsurance was   
as follows at:                                                                  

                                                        [Enlarge/Download Table]

                                                                            December 31,                                
                                             ---------------------------------------------------------------------------
                                                             2018                                  2017                 
                                             ------------------------------------- -------------------------------------
                                                                           Total                                 Total  
                                                                          Balance                               Balance 
                                              Direct   Assumed   Ceded     Sheet    Direct   Assumed   Ceded     Sheet  
                                             --------- ------- --------  --------- --------- ------- --------  ---------
                                                                            (In millions)                               
                                                                                                                        
Assets                                                                                                                  
Premiums, reinsurance and other                                                                                         
 receivables................................  $  2,094  $  518  $19,217   $ 21,829  $  2,491  $  448  $19,159   $ 22,098
Deferred policy acquisition costs and value                                                                             
 of business acquired.......................     4,343      15     (241)     4,117     4,581      17     (250)     4,348
                                             --------- ------- --------  --------- --------- ------- --------  ---------
  Total assets..............................  $  6,437  $  533  $18,976   $ 25,946  $  7,072  $  465  $18,909   $ 26,446
                                             ========= ======= ========  ========= ========= ======= ========  =========
Liabilities                                                                                                             
Future policy benefits......................  $124,787  $1,313  $    (1)  $126,099  $118,077  $1,342  $    (4)  $119,415
Policyholder account balances...............    90,489     167       --     90,656    93,758     181       --     93,939
Other policy-related balances...............     7,021     231       12      7,264     6,914     247       15      7,176
Other liabilities...........................     6,084   2,242   16,294     24,620     8,498   2,242   16,669     27,409
                                             --------- ------- --------  --------- --------- ------- --------  ---------
  Total liabilities.........................  $228,381  $3,953  $16,305   $248,639  $227,247  $4,012  $16,680   $247,939
                                             ========= ======= ========  ========= ========= ======= ========  =========

In December 2016, the Company recaptured two reinsurance agreements which   
covered 90% of the liabilities on certain participating whole life insurance    
policies issued between April 1, 2000 and December 31, 2001 which were          
reinsured by an unaffiliated company. This recapture resulted in an increase in 
DAC and VOBA of $95 million, a decrease in premiums, reinsurance and other      
receivables of $697 million, and a decrease in other liabilities of             
$713 million. The Company recognized a gain of $72 million, net of income tax,  
for the year ended December 31, 2016, as a result of this transaction.          

Reinsurance agreements that do not expose the Company to a reasonable       
possibility of a significant loss from insurance risk are recorded using the    
deposit method of accounting. The deposit assets on reinsurance were            
$14.1 billion and $14.3 billion at December 31, 2018 and 2017, respectively.    
The deposit liabilities on reinsurance were $1.8 billion and $1.9 billion at    
December 31, 2018 and 2017, respectively.                                       

Related Party Reinsurance Transactions                                          

The Company has reinsurance agreements with certain of MetLife, Inc.'s      
subsidiaries, including MetLife Reinsurance Company of Charleston ("MRC"),      
MetLife Reinsurance Company of Vermont, and Metropolitan Tower Life Insurance   
Company, all of which are related parties. Additionally, the Company has        
reinsurance agreements with Brighthouse Life Insurance Company ("Brighthouse    
Insurance"), Brighthouse Life Insurance Company of NY ("Brighthouse NY") and    
NELICO, former subsidiaries of MetLife, Inc. In August 2017, MetLife, Inc.      
completed the separation of Brighthouse and retained 19.2% of Brighthouse       
Financial, Inc. common stock outstanding. In June 2018, MetLife, Inc. sold its  
Brighthouse Financial, Inc. common stock and Brighthouse was no longer          
considered a related party.                                                     

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

Information regarding the significant effects of affiliated reinsurance     
included on the consolidated statements of operations was as follows:           

                                                        [Enlarge/Download Table]

                                                                     Years Ended December 31,       
                                                              ------------------------------------- 
                                                                  2018         2017         2016    
                                                              -----------  -----------  ----------- 
                                                                          (In millions)             
                                                                                                    
Premiums                                                                                            
Reinsurance assumed..........................................  $        9   $      122   $      727 
Reinsurance ceded............................................        (117)        (132)         (45)
                                                              -----------  -----------  ----------- 
  Net premiums...............................................  $     (108)  $      (10)  $      682 
                                                              ===========  ===========  =========== 
Universal life and investment-type product policy fees                                              
Reinsurance assumed..........................................  $       (1)  $       12   $       60 
Reinsurance ceded............................................         (18)         (19)        (138)
                                                              -----------  -----------  ----------- 
  Net universal life and investment-type product policy fees.  $      (19)  $       (7)  $      (78)
                                                              ===========  ===========  =========== 
Other revenues                                                                                      
Reinsurance assumed..........................................  $       --   $       37   $       (1)
Reinsurance ceded............................................         541          563          575 
                                                              -----------  -----------  ----------- 
  Net other revenues.........................................  $      541   $      600   $      574 
                                                              ===========  ===========  =========== 
Policyholder benefits and claims                                                                    
Reinsurance assumed..........................................  $       11   $       69   $      697 
Reinsurance ceded............................................        (120)        (122)        (110)
                                                              -----------  -----------  ----------- 
  Net policyholder benefits and claims.......................  $     (109)  $      (53)  $      587 
                                                              ===========  ===========  =========== 
Interest credited to policyholder account balances                                                  
Reinsurance assumed..........................................  $       38   $       47   $       34 
Reinsurance ceded............................................         (13)         (13)         (81)
                                                              -----------  -----------  ----------- 
  Net interest credited to policyholder account balances.....  $       25   $       34   $      (47)
                                                              ===========  ===========  =========== 
Other expenses                                                                                      
Reinsurance assumed..........................................  $       10   $       40   $      490 
Reinsurance ceded............................................         543          600          570 
                                                              -----------  -----------  ----------- 
  Net other expenses.........................................  $      553   $      640   $    1,060 
                                                              ===========  ===========  =========== 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

Information regarding the significant effects of affiliated reinsurance     
included on the consolidated balance sheets was as follows at:                  

                                                        [Enlarge/Download Table]

                                                                                     December 31,                    
                                                                  -------------------------------------------------- 
                                                                            2018                      2017           
                                                                  ------------------------  ------------------------ 
                                                                    Assumed       Ceded     Assumed (1)     Ceded    
                                                                  ----------- ------------  ----------- ------------ 
                                                                                     (In millions)                   
                                                                                                                     
Assets                                                                                                               
Premiums, reinsurance and other receivables......................  $       --  $    12,676   $       47  $    12,762 
Deferred policy acquisition costs and value of business acquired.          --         (175)          --         (180)
                                                                  ----------- ------------  ----------- ------------ 
  Total assets...................................................  $       --  $    12,501   $       47  $    12,582 
                                                                  =========== ============  =========== ============ 
Liabilities                                                                                                          
Future policy benefits...........................................  $       61  $        (1)  $      380  $        (4)
Policyholder account balances....................................         141           --          166           -- 
Other policy-related balances....................................           6           12          104           15 
Other liabilities................................................         841       12,366        1,858       12,970 
                                                                  ----------- ------------  ----------- ------------ 
  Total liabilities..............................................  $    1,049  $    12,377   $    2,508  $    12,981 
                                                                  =========== ============  =========== ============ 

--------                                                                        

(1)Includes $1.4 billion of total liabilities related to assumed risks from     
  Brighthouse, which effective July 1, 2018 was no longer considered a related
party.                                                                    

 The Company ceded two blocks of business to an affiliate on a 75% coinsurance
with funds withheld basis. Certain contractual features of these agreements     
qualify as embedded derivatives, which are separately accounted for at          
estimated fair value on the Company's consolidated balance sheets. The embedded 
derivatives related to the funds withheld associated with these reinsurance     
agreements are included within other liabilities and were $4 million and        
$16 million at December 31, 2018 and 2017, respectively. Net derivative gains   
(losses) associated with these embedded derivatives were $12 million,           
($6) million and ($2) million for the years ended December 31, 2018, 2017 and   
2016, respectively.                                                             

 The Company ceded risks to an affiliate related to guaranteed minimum benefit
guarantees written directly by the Company. These ceded reinsurance agreements  
contain embedded derivatives and changes in their estimated fair value are      
included within net derivative gains (losses). There were no embedded           
derivatives associated with the cessions included within premiums, reinsurance  
and other receivables at December 31, 2018 and 2017. Net derivative gains       
(losses) associated with the embedded derivatives were $0, ($110) million and   
$33 million for the years ended December 31, 2018, 2017 and 2016, respectively. 

 Certain contractual features of the closed block agreement with MRC create an
embedded derivative, which is separately accounted for at estimated fair value  
on the Company's consolidated balance sheets. The embedded derivative related   
to the funds withheld associated with this reinsurance agreement is included    
within other liabilities and was $461 million and $882 million at December 31,  
2018 and 2017, respectively. Net derivative gains (losses) associated with the  
embedded derivative were $421 million, ($115) million and ($73) million for the 
years ended December 31, 2018, 2017 and 2016, respectively.                     

The Company assumed risks from affiliates related to guaranteed minimum     
benefit guarantees written directly by the affiliates. These assumed            
reinsurance agreements contain embedded derivatives and changes in their        
estimated fair value are also included within net derivative gains (losses).    
The embedded derivatives associated with these agreements are included within   
policyholder account balances and were $0 and $3 million at December 31, 2018   
and 2017, respectively. Net derivative gains (losses) associated with the       
embedded derivatives were $1 million, $263 million and ($32) million for the    
years ended December 31, 2018, 2017 and 2016, respectively.                     

In January 2017, Brighthouse NY and NELICO recaptured risks related to      
certain variable annuities, including guaranteed minimum benefits, reinsured by 
the Company. These recaptures resulted in a decrease in cash and cash           
equivalents of $34 million, a decrease in premiums, reinsurance and other       
receivables of $77 million, a decrease in future policy benefits of             
$79 million, a decrease in policyholder account balances of $387 million and an 
increase in other liabilities of $76 million. The Company recognized a gain of  
$178 million, net of income tax, for the year ended December 31, 2017, as a     
result of these transactions.                                                   

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

6. Reinsurance (continued)                                                      

In January 2017, the Company recaptured risks related to guaranteed minimum 
benefit guarantees on certain variable annuities reinsured by Brighthouse       
Insurance. This recapture resulted in an increase in investments and cash and   
cash equivalents of $428 million and a decrease in premiums, reinsurance and    
other receivables of $565 million. The Company recognized a loss of             
$89 million, net of income tax, for the year ended December 31, 2017, as a      
result of this transaction.                                                     

In April 2016, Brighthouse Insurance recaptured risks related to certain    
single premium deferred annuity contracts from the Company. As a result of this 
recapture, the significant effects to the Company were a decrease in            
investments and cash and cash equivalents of $4.3 billion and a decrease in DAC 
of $87 million, offset by a decrease in other liabilities of $4.0 billion. The  
Company recognized a loss of $95 million, net of income tax, for the year ended 
December 31, 2016, as a result of this recapture.                               

 The Company has secured certain reinsurance recoverable balances with various
forms of collateral, including secured trusts, funds withheld accounts and      
irrevocable letters of credit. The Company had $451 million and $13 million of  
unsecured affiliated reinsurance recoverable balances at December 31, 2018 and  
2017, respectively.                                                             

Affiliated reinsurance agreements that do not expose the Company to a       
reasonable possibility of a significant loss from insurance risk are recorded   
using the deposit method of accounting. The deposit assets on affiliated        
reinsurance were $11.4 billion and $11.5 billion at December 31, 2018 and 2017, 
respectively. The deposit liabilities on affiliated reinsurance were            
$837 million and $1.8 billion at December 31, 2018 and 2017, respectively.      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

7. Closed Block                                                                 

On April 7, 2000 (the "Demutualization Date"), Metropolitan Life Insurance  
Company converted from a mutual life insurance company to a stock life          
insurance company and became a wholly-owned subsidiary of MetLife, Inc. The     
conversion was pursuant to an order by the New York Superintendent of Insurance 
approving Metropolitan Life Insurance Company's plan of reorganization, as      
amended (the "Plan of Reorganization"). On the Demutualization Date,            
Metropolitan Life Insurance Company established a closed block for the benefit  
of holders of certain individual life insurance policies of Metropolitan Life   
Insurance Company. Assets have been allocated to the closed block in an amount  
that has been determined to produce cash flows which, together with anticipated 
revenues from the policies included in the closed block, are reasonably         
expected to be sufficient to support obligations and liabilities relating to    
these policies, including, but not limited to, provisions for the payment of    
claims and certain expenses and taxes, and to provide for the continuation of   
policyholder dividend scales in effect for 1999, if the experience underlying   
such dividend scales continues, and for appropriate adjustments in such scales  
if the experience changes. At least annually, the Company compares actual and   
projected experience against the experience assumed in the then-current         
dividend scales. Dividend scales are adjusted periodically to give effect to    
changes in experience.                                                          

The closed block assets, the cash flows generated by the closed block assets
and the anticipated revenues from the policies in the closed block will benefit 
only the holders of the policies in the closed block. To the extent that, over  
time, cash flows from the assets allocated to the closed block and claims and   
other experience related to the closed block are, in the aggregate, more or     
less favorable than what was assumed when the closed block was established,     
total dividends paid to closed block policyholders in the future may be greater 
than or less than the total dividends that would have been paid to these        
policyholders if the policyholder dividend scales in effect for 1999 had been   
continued. Any cash flows in excess of amounts assumed will be available for    
distribution over time to closed block policyholders and will not be available  
to stockholders. If the closed block has insufficient funds to make guaranteed  
policy benefit payments, such payments will be made from assets outside of the  
closed block. The closed block will continue in effect as long as any policy in 
the closed block remains in-force. The expected life of the closed block is     
over 100 years from the Demutualization Date.                                   

The Company uses the same accounting principles to account for the          
participating policies included in the closed block as it used prior to the     
Demutualization Date. However, the Company establishes a policyholder dividend  
obligation for earnings that will be paid to policyholders as additional        
dividends as described below. The excess of closed block liabilities over       
closed block assets at the Demutualization Date (adjusted to eliminate the      
impact of related amounts in AOCI) represents the estimated maximum future      
earnings from the closed block expected to result from operations, attributed   
net of income tax, to the closed block. Earnings of the closed block are        
recognized in income over the period the policies and contracts in the closed   
block remain in-force. Management believes that over time the actual cumulative 
earnings of the closed block will approximately equal the expected cumulative   
earnings due to the effect of dividend changes. If, over the period the closed  
block remains in existence, the actual cumulative earnings of the closed block  
are greater than the expected cumulative earnings of the closed block, the      
Company will pay the excess to closed block policyholders as additional         
policyholder dividends unless offset by future unfavorable experience of the    
closed block and, accordingly, will recognize only the expected cumulative      
earnings in income with the excess recorded as a policyholder dividend          
obligation. If over such period, the actual cumulative earnings of the closed   
block are less than the expected cumulative earnings of the closed block, the   
Company will recognize only the actual earnings in income. However, the Company 
may change policyholder dividend scales in the future, which would be intended  
to increase future actual earnings until the actual cumulative earnings equal   
the expected cumulative earnings.                                               

Experience within the closed block, in particular mortality and investment  
yields, as well as realized and unrealized gains and losses, directly impact    
the policyholder dividend obligation. Amortization of the closed block DAC,     
which resides outside of the closed block, is based upon cumulative actual and  
expected earnings within the closed block. Accordingly, the Company's net       
income continues to be sensitive to the actual performance of the closed block. 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

7. Closed Block (continued)                                                     

Closed block assets, liabilities, revenues and expenses are combined on a   
line-by-line basis with the assets, liabilities, revenues and expenses outside  
the closed block based on the nature of the particular item.                    

Information regarding the closed block liabilities and assets designated to 
the closed block was as follows at:                                             

                                                        [Enlarge/Download Table]

                                                                                                        December 31,          
                                                                                               ------------------------------ 
                                                                                                    2018            2017      
                                                                                               --------------  -------------- 
                                                                                                        (In millions)         
                                                                                                                              
Closed Block Liabilities                                                                                                      
Future policy benefits........................................................................  $      40,032   $      40,463 
Other policy-related balances.................................................................            317             222 
Policyholder dividends payable................................................................            431             437 
Policyholder dividend obligation..............................................................            428           2,121 
Deferred income tax liability.................................................................             28              -- 
Other liabilities.............................................................................            328             212 
                                                                                               --------------  -------------- 
  Total closed block liabilities..............................................................         41,564          43,455 
                                                                                               --------------  -------------- 
Assets Designated to the Closed Block                                                                                         
Investments:                                                                                                                  
Fixed maturity securities available-for-sale, at estimated fair value.........................         25,354          27,904 
Equity securities, at estimated fair value....................................................             61              70 
Contractholder-directed equity securities and fair value option securities, at estimated fair                                 
 value........................................................................................             43              -- 
Mortgage loans................................................................................          6,778           5,878 
Policy loans..................................................................................          4,527           4,548 
Real estate and real estate joint ventures....................................................            544             613 
Other invested assets.........................................................................            643             731 
                                                                                               --------------  -------------- 
  Total investments...........................................................................         37,950          39,744 
Accrued investment income.....................................................................            443             477 
Premiums, reinsurance and other receivables; cash and cash equivalents........................             83              14 
Current income tax recoverable................................................................             69              35 
Deferred income tax asset.....................................................................             --              36 
                                                                                               --------------  -------------- 
  Total assets designated to the closed block.................................................         38,545          40,306 
                                                                                               --------------  -------------- 
  Excess of closed block liabilities over assets designated to the closed block...............          3,019           3,149 
                                                                                               --------------  -------------- 
Amounts included in AOCI:                                                                                                     
Unrealized investment gains (losses), net of income tax.......................................          1,089           1,863 
Unrealized gains (losses) on derivatives, net of income tax...................................             86              (7)
Allocated to policyholder dividend obligation, net of income tax..............................           (338)         (1,379)
                                                                                               --------------  -------------- 
  Total amounts included in AOCI..............................................................            837             477 
                                                                                               --------------  -------------- 
  Maximum future earnings to be recognized from closed block assets and liabilities...........  $       3,856   $       3,626 
                                                                                               ==============  ============== 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

7. Closed Block (continued)                                                     

See Note 1 for discussion of new accounting guidance related to U.S. Tax  
Reform.                                                                         

 Information regarding the closed block policyholder dividend obligation was
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                     Years Ended December 31,        
                                              ---------------------------------------
                                                  2018         2017          2016    
                                              -----------  ------------- ------------
                                                           (In millions)             
                                                                                     
Balance at January 1,........................  $    2,121   $      1,931  $     1,783
Change in unrealized investment and                                                  
 derivative gains (losses)...................      (1,693)           190          148
                                              -----------  ------------- ------------
Balance at December 31,......................  $      428   $      2,121  $     1,931
                                              ===========  ============= ============

  Information regarding the closed block revenues and expenses was as follows:

                                                        [Enlarge/Download Table]

                                                      Years Ended December 31,         
                                              ---------------------------------------- 
                                                  2018          2017          2016     
                                              ------------  ------------  ------------ 
                                                            (In millions)              
                                                                                       
Revenues                                                                               
Premiums..................................... $      1,672  $      1,736  $      1,804 
Net investment income........................        1,758         1,818         1,902 
Net investment gains (losses)................          (71)            1           (10)
Net derivative gains (losses)................           22           (32)           25 
                                              ------------  ------------  ------------ 
 Total revenues..............................        3,381         3,523         3,721 
                                              ------------  ------------  ------------ 
Expenses                                                                               
Policyholder benefits and claims.............        2,475         2,453         2,563 
Policyholder dividends.......................          968           976           953 
Other expenses...............................          117           125           133 
                                              ------------  ------------  ------------ 
 Total expenses..............................        3,560         3,554         3,649 
                                              ------------  ------------  ------------ 
 Revenues, net of expenses before provision                                            
   for income tax expense (benefit)..........         (179)          (31)           72 
Provision for income tax expense (benefit)...          (39)           12            24 
                                              ------------  ------------  ------------ 
 Revenues, net of expenses and provision for                                           
   income tax expense (benefit).............. $       (140) $        (43) $         48 
                                              ============  ============  ============ 

Metropolitan Life Insurance Company charges the closed block with federal   
income taxes, state and local premium taxes and other state or local taxes, as  
well as investment management expenses relating to the closed block as provided 
in the Plan of Reorganization. Metropolitan Life Insurance Company also charges 
the closed block for expenses of maintaining the policies included in the       
closed block.                                                                   

8. Investments                                                                  

See Note 10 for information about the fair value hierarchy for investments  
and the related valuation methodologies.                                        

Investment Risks and Uncertainties                                              

Investments are exposed to the following primary sources of risk: credit,   
interest rate, liquidity, market valuation, currency and real estate risk. The  
financial statement risks, stemming from such investment risks, are those       
associated with the determination of estimated fair values, the diminished      
ability to sell certain investments in times of strained market conditions, the 
recognition of impairments, the recognition of income on certain investments    
and the potential consolidation of VIEs. The use of different methodologies,    
assumptions and inputs relating to these financial statement risks may have a   
material effect on the amounts presented within the consolidated financial      
statements.                                                                     

The determination of valuation allowances and impairments is highly         
subjective and is based upon periodic evaluations and assessments of known and  
inherent risks associated with the respective asset class. Such evaluations and 
assessments are revised as conditions change and new information becomes        
available.                                                                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

 The recognition of income on certain investments (e.g. structured securities,
including mortgage-backed securities, asset-backed securities ("ABS") and       
certain structured investment transactions) is dependent upon certain factors   
such as prepayments and defaults, and changes in such factors could result in   
changes in amounts to be earned.                                                

Fixed Maturity Securities AFS                                                   

Fixed Maturity Securities AFS by Sector                                     

 The following table presents the fixed maturity securities AFS by sector.
Municipals includes taxable and tax-exempt revenue bonds, and to a much     
lesser extent, general obligations of states, municipalities and political  
subdivisions. Redeemable preferred stock is reported within U.S. corporate  
and foreign corporate fixed maturity securities AFS. Included within fixed  
maturity securities AFS are structured securities including RMBS, ABS and   
commercial mortgage-backed securities ("CMBS") (collectively, "Structured   
Securities").                                                               

                                                        [Enlarge/Download Table]

                                     December 31, 2018                                 December 31, 2017                
                      ------------------------------------------------ -------------------------------------------------
                                      Gross Unrealized                                 Gross Unrealized                 
                                ---------------------------  Estimated           ----------------------------  Estimated
                      Amortized         Temporary    OTTI      Fair    Amortized          Temporary    OTTI      Fair   
                        Cost     Gains   Losses   Losses (1)   Value     Cost     Gains    Losses   Losses (1)   Value  
                      --------- ------- --------- ---------- --------- --------- -------- --------- ---------- ---------
                                                                (In millions)                                           
                                                                                                                        
U.S. corporate....... $  53,927 $ 2,440 $   1,565  $    --   $  54,802 $  53,291 $  5,037 $     238  $    --   $  58,090
U.S. government and                                                                                                     
 agency..............    28,139   2,388       366       --      30,161    35,021    3,755       231       --      38,545
Foreign corporate....    26,592     674     1,303       --      25,963    24,367    1,655       426       --      25,596
RMBS.................    22,186     831       305      (25)     22,737    21,735    1,039       181      (41)     22,634
ABS..................     8,599      40       112       --       8,527     7,808       73        15       --       7,866
Municipals...........     6,070     907        30       --       6,947     6,310    1,245         3        1       7,551
CMBS.................     5,471      48        75       --       5,444     5,390      124        26       --       5,488
Foreign government...     4,191     408       107       --       4,492     3,887      641        26       --       4,502
                      --------- ------- ---------  -------   --------- --------- -------- ---------  -------   ---------
 Total fixed                                                                                                            
   maturity                                                                                                             
   securities AFS.... $ 155,175 $ 7,736 $   3,863  $   (25)  $ 159,073 $ 157,809 $ 13,569 $   1,146  $   (40)  $ 170,272
                      ========= ======= =========  =======   ========= ========= ======== =========  =======   =========

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

(1) Noncredit OTTI losses included in AOCI in an unrealized gain position are   
  due to increases in estimated fair value subsequent to initial recognition
of noncredit losses on such securities. See also "-- Net Unrealized     
Investment Gains (Losses)."                                             

   The Company held non-income producing fixed maturity securities AFS with an
estimated fair value of $14 million and $4 million with unrealized          
gains (losses) of ($1) million and ($3) million at December 31, 2018 and    
2017, respectively.                                                         

Methodology for Amortization of Premium and Accretion of Discount on        
Structured Securities                                                           

  Amortization of premium and accretion of discount on Structured Securities
considers the estimated timing and amount of prepayments of the underlying  
loans. Actual prepayment experience is periodically reviewed and effective  
yields are recalculated when differences arise between the originally       
anticipated and the actual prepayments received and currently anticipated.  
Prepayment assumptions for Structured Securities are estimated using inputs 
obtained from third-party specialists and based on management's knowledge of
the current market. For credit-sensitive and certain prepayment-sensitive   
Structured Securities, the effective yield is recalculated on a prospective 
basis. For all other Structured Securities, the effective yield is          
recalculated on a retrospective basis.                                      

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Maturities of Fixed Maturity Securities AFS                                 

The amortized cost and estimated fair value of fixed maturity securities
AFS, by contractual maturity date, were as follows at December 31, 2018:    

                                                        [Enlarge/Download Table]

                                                 Due After Five                                          
                                   Due After One     Years                                  Total Fixed  
                       Due in One  Year Through   Through Ten   Due After Ten  Structured     Maturity   
                      Year or Less  Five Years       Years          Years      Securities  Securities AFS
                      ------------ ------------- -------------- ------------- ------------ --------------
                                                         (In millions)                                   
                                                                                                         
Amortized cost....... $     7,499  $     27,652   $     28,623  $     55,145  $     36,256 $     155,175 
Estimated fair value. $     7,436  $     27,705   $     28,543  $     58,681  $     36,708 $     159,073 

Actual maturities may differ from contractual maturities due to the     
 exercise of call or prepayment options. Fixed maturity securities AFS not due
at a single maturity date have been presented in the year of final          
 contractual maturity. Structured Securities are shown separately, as they are
not due at a single maturity.                                               

  Continuous Gross Unrealized Losses for Fixed Maturity Securities AFS by Sector

  The following table presents the estimated fair value and gross unrealized
losses of fixed maturity securities AFS in an unrealized loss position,     
 aggregated by sector and by length of time that the securities have been in a
continuous unrealized loss position at:                                     

                                                        [Enlarge/Download Table]

                                  December 31, 2018                           December 31, 2017             
                     ------------------------------------------- -------------------------------------------
                                            Equal to or Greater                         Equal to or Greater 
                      Less than 12 Months     than 12 Months      Less than 12 Months     than 12 Months    
                     --------------------- --------------------- --------------------- ---------------------
                     Estimated    Gross    Estimated    Gross    Estimated    Gross    Estimated    Gross   
                       Fair     Unrealized   Fair     Unrealized   Fair     Unrealized   Fair     Unrealized
                       Value      Losses     Value      Losses     Value      Losses     Value      Losses  
                     ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                      (Dollars in millions)                                 
                                                                                                            
U.S. corporate...... $   23,398 $   1,176  $    3,043 $     389  $    3,727  $    57   $    2,523  $   181  
U.S. government and                                                                                         
 agency.............      4,322        29       7,948       337      13,905       76        3,018      155  
Foreign corporate...     12,911       893       2,138       410       1,677       43        3,912      383  
RMBS................      5,611       107       4,482       173       3,673       30        3,332      110  
ABS.................      5,958       105         223         7         732        3          358       12  
Municipals..........        675        22          94         8         106        1          120        3  
CMBS................      2,455        45         344        30         844        6          193       20  
Foreign government..      1,364        83         191        24         247        6          265       20  
                     ---------- ---------  ---------- ---------  ----------  -------   ----------  -------  
 Total fixed                                                                                                
   maturity                                                                                                 
   securities AFS... $   56,694 $   2,460  $   18,463 $   1,378  $   24,911  $   222   $   13,721  $   884  
                     ========== =========  ========== =========  ==========  =======   ==========  =======  
Total number of                                                                                             
 securities in an                                                                                           
 unrealized loss                                                                                            
 position...........      5,263                 1,125                 1,295                 1,103           
                     ==========            ==========            ==========            ==========           

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Evaluation of Fixed Maturity Securities AFS for OTTI and Evaluating         
Temporarily Impaired Fixed Maturity Securities AFS                          

Evaluation and Measurement Methodologies                                  

    Management considers a wide range of factors about the security issuer and
uses its best judgment in evaluating the cause of the decline in the      
estimated fair value of the security and in assessing the prospects for   
 near-term recovery. Inherent in management's evaluation of the security are
 assumptions and estimates about the operations of the issuer and its future
  earnings potential. Considerations used in the impairment evaluation process
include, but are not limited to: (i) the length of time and the extent to 
which the estimated fair value has been below amortized cost; (ii) the    
potential for impairments when the issuer is experiencing significant     
financial difficulties; (iii) the potential for impairments in an entire  
  industry sector or sub-sector; (iv) the potential for impairments in certain
economically depressed geographic locations; (v) the potential for        
impairments where the issuer, series of issuers or industry has suffered a
catastrophic loss or has exhausted natural resources; (vi) whether the    
Company has the intent to sell or will more likely than not be required to
 sell a particular security before the decline in estimated fair value below
amortized cost recovers; (vii) with respect to Structured Securities,     
  changes in forecasted cash flows after considering the quality of underlying
collateral, expected prepayment speeds, current and forecasted loss       
severity, consideration of the payment terms of the underlying assets     
backing a particular security, and the payment priority within the tranche
structure of the security; (viii) the potential for impairments due to    
weakening of foreign currencies on non-functional currency denominated    
securities that are near maturity; and (ix) other subjective factors,     
  including concentrations and information obtained from regulators and rating
agencies.                                                                 

The methodology and significant inputs used to determine the amount of
credit loss are as follows:                                               

 .   The Company calculates the recovery value by performing a discounted cash
flow analysis based on the present value of future cash flows. The  
  discount rate is generally the effective interest rate of the security
prior to impairment.                                                

.   When determining collectability and the period over which value is      
   expected to recover, the Company applies considerations utilized in its
overall impairment evaluation process which incorporates information
regarding the specific security, fundamentals of the industry and   
geographic area in which the security issuer operates, and overall  
     macroeconomic conditions. Projected future cash flows are estimated using
assumptions derived from management's best estimates of likely      
scenario-based outcomes after giving consideration to a variety of  
variables that include, but are not limited to: payment terms of the
 security; the likelihood that the issuer can service the interest and
  principal payments; the quality and amount of any credit enhancements;
the security's position within the capital structure of the issuer; 
possible corporate restructurings or asset sales by the issuer; and 
   changes to the rating of the security or the issuer by rating agencies.

.   Additional considerations are made when assessing the unique features   
  that apply to certain Structured Securities including, but not limited
 to: the quality of underlying collateral, expected prepayment speeds,
    current and forecasted loss severity, consideration of the payment terms
    of the underlying loans or assets backing a particular security, and the
payment priority within the tranche structure of the security.      

 .   When determining the amount of the credit loss for the following types of
securities: U.S. and foreign corporate, foreign government and      
 municipals, the estimated fair value is considered the recovery value
   when available information does not indicate that another value is more
 appropriate. When information is identified that indicates a recovery
value other than estimated fair value, management considers in the  
   determination of recovery value the same considerations utilized in its
    overall impairment evaluation process as described above, as well as any
private and public sector programs to restructure such securities.  

With respect to securities that have attributes of debt and           
equity ("perpetual hybrid securities"), consideration is given in the OTTI
  analysis as to whether there has been any deterioration in the credit of the
  issuer and the likelihood of recovery in value of the securities that are in
 a severe and extended unrealized loss position. Consideration is also given
as to whether any perpetual hybrid securities with an unrealized loss,    
regardless of credit rating, have deferred any dividend payments. When an 
OTTI loss has occurred, the OTTI loss is the entire difference between the
perpetual hybrid security's cost and its estimated fair value with a      
corresponding charge to earnings.                                         

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

The amortized cost of securities is adjusted for OTTI in the period in
which the determination is made. The Company does not change the revised  
cost basis for subsequent recoveries in value.                            

In periods subsequent to the recognition of OTTI on a security, the   
Company accounts for the impaired security as if it had been purchased on 
the measurement date of the impairment. Accordingly, the discount (or     
 reduced premium) based on the new cost basis is accreted over the remaining
 term of the security in a prospective manner based on the amount and timing
of estimated future cash flows.                                           

Current Period Evaluation                                                 

Based on the Company's current evaluation of its securities in an     
unrealized loss position in accordance with its impairment policy, and the
Company's current intentions and assessments (as applicable to the type of
security) about holding, selling and any requirements to sell these       
securities, the Company concluded that these securities were not          
other-than-temporarily impaired at December 31, 2018. Future OTTI will    
depend primarily on economic fundamentals, issuer performance (including  
  changes in the present value of future cash flows expected to be collected),
and changes in credit ratings, collateral valuation, and foreign currency 
  exchange rates. If economic fundamentals deteriorate or if there are adverse
changes in the above factors, OTTI may be incurred in upcoming periods.   

Gross unrealized losses on fixed maturity securities AFS increased    
$2.7 billion during the year ended December 31, 2018 to $3.8 billion. The 
increase in gross unrealized losses for the year ended December 31, 2018, 
was primarily attributable to increases in interest rates, widening credit
 spreads and, to a lesser extent, the impact of weakening of certain foreign
 currencies on non-functional currency denominated fixed maturity securities
AFS.                                                                      

At December 31, 2018, $132 million of the total $3.8 billion of gross 
unrealized losses were from 22 fixed maturity securities AFS with an      
 unrealized loss position of 20% or more of amortized cost for six months or
greater.                                                                  

Investment Grade Fixed Maturity Securities AFS                            

Of the $132 million of gross unrealized losses on fixed maturity      
 securities AFS with an unrealized loss of 20% or more of amortized cost for
  six months or greater, $82 million, or 62%, were related to gross unrealized
losses on 10 investment grade fixed maturity securities AFS. Unrealized   
losses on investment grade fixed maturity securities AFS are principally  
related to widening credit spreads since purchase and, with respect to    
fixed-rate fixed maturity securities AFS, rising interest rates since     
purchase.                                                                 

Below Investment Grade Fixed Maturity Securities AFS                      

Of the $132 million of gross unrealized losses on fixed maturity      
 securities AFS with an unrealized loss of 20% or more of amortized cost for
  six months or greater, $50 million, or 38%, were related to gross unrealized
losses on 12 below investment grade fixed maturity securities AFS.        
Unrealized losses on below investment grade fixed maturity securities AFS 
 are principally related to U.S. and foreign corporate securities (primarily
industrial and utility securities) and CMBS and are the result of         
  significantly wider credit spreads resulting from higher risk premiums since
purchase, largely due to economic and market uncertainty. Management      
evaluates U.S. and foreign corporate securities based on factors such as  
 expected cash flows and the financial condition and near-term and long-term
prospects of the issuers and evaluates CMBS based on actual and projected 
 cash flows after considering the quality of underlying collateral, expected
prepayment speeds, current and forecasted loss severity, the payment terms
of the underlying assets backing a particular security and the payment    
priority within the tranche structure of the security.                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Equity Securities                                                               

Equity securities are summarized as follows at:                         

                                                        [Enlarge/Download Table]

                                                    December 31, 2018     December 31, 2017  
                                                   -------------------- ---------------------
                                                   Estimated            Estimated            
                                                     Fair      % of       Fair       % of    
                                                     Value     Total      Value      Total   
                                                   --------- ---------- ---------- ----------
                                                             (Dollars in millions)           
                                                                                             
Common stock...................................... $    442       57.2% $    1,251      75.5%
Non-redeemable preferred stock....................      331        42.8        407       24.5
                                                   --------  ---------- ---------- ----------
 Total equity securities.......................... $    773      100.0% $    1,658     100.0%
                                                   ========  ========== ========== ==========

In connection with the adoption of new guidance related to the recognition  
and measurement of financial instruments (see Note 1), effective January 1,     
2018, the Company has reclassified its investment in common stock in FHLB from  
equity securities to other invested assets. These investments are carried at    
redemption value and are considered restricted investments until redeemed by    
the respective FHLBanks. The carrying value of these investments at             
December 31, 2017 was $733 million.                                             

Mortgage Loans                                                                  

Mortgage Loans by Portfolio Segment                                         

Mortgage loans are summarized as follows at:                            

                                                        [Enlarge/Download Table]

                                                                 December 31,                 
                                                 ---------------------------------------------
                                                          2018                   2017         
                                                 ---------------------- ----------------------
                                                  Carrying     % of      Carrying     % of    
                                                   Value       Total      Value       Total   
                                                 ----------- ---------- ----------- ----------
                                                             (Dollars in millions)            
                                                                                              
Mortgage loans:                                                                               
Commercial...................................... $    38,123      59.9% $    35,440      60.6%
Agricultural....................................      14,164       22.2      12,712       21.8
Residential.....................................      11,392       17.9      10,058       17.2
                                                 ----------- ---------- ----------- ----------
 Total recorded investment......................      63,679      100.0      58,210       99.6
Valuation allowances............................       (291)      (0.5)       (271)      (0.5)
                                                 ----------- ---------- ----------- ----------
 Subtotal mortgage loans, net...................      63,388       99.5      57,939       99.1
Residential -- FVO..............................         299        0.5         520        0.9
                                                 ----------- ---------- ----------- ----------
 Total mortgage loans, net...................... $    63,687     100.0% $    58,459     100.0%
                                                 =========== ========== =========== ==========

 Information on commercial, agricultural and residential mortgage loans is
presented in the tables below. Information on residential mortgage          
loans -- FVO is presented in Note 10. The Company elects the FVO for certain
residential mortgage loans that are managed on a total return basis.        

  The amount of net discounts, included within total recorded investment, is
primarily attributable to residential mortgage loans, and at December 31,   
2018 and 2017 was $907 million and $1.0 billion, respectively.              

   The carrying value of foreclosed mortgage loans included in real estate and
real estate joint ventures was $42 million and $44 million at December 31,  
2018 and 2017, respectively.                                                

Purchases of mortgage loans, primarily residential, were $3.4 billion,  
 $3.1 billion and $2.9 billion for the years ended December 31, 2018, 2017 and
2016, respectively.                                                         

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

The Company originates and acquires unaffiliated mortgage loans and     
simultaneously sells a portion to affiliates under master participation     
agreements. The aggregate amount of mortgage loan participation interests in
unaffiliated mortgage loans sold by the Company to affiliates during the    
years ended December 31, 2018, 2017 and 2016 was $1.5 billion, $2.5 billion 
and $3.6 billion, respectively. In connection with the mortgage loan        
participations, the Company collected mortgage loan principal and interest  
payments from unaffiliated borrowers on behalf of affiliates and remitted   
such receipts to the affiliates in the amount of $1.5 billion, $1.8 billion 
and $2.1 billion during the years ended December 31, 2018, 2017 and 2016,   
respectively.                                                               

The Company purchases unaffiliated mortgage loan participation interests
 under a master participation agreement from an affiliate, simultaneously with
the affiliate's origination or acquisition of mortgage loans. The aggregate 
 amount of unaffiliated mortgage loan participation interests purchased by the
Company from such affiliate during the year ended December 31, 2018 was     
$3.7 billion. The Company did not purchase any unaffiliated mortgage loan   
 participation interests during the years ended December 31, 2017 and 2016. In
connection with the mortgage loan participations, the affiliate collected   
 mortgage loan principal and interest payments on the Company's behalf and the
 affiliate remitted such payments to the Company in the amount of $119 million
during the year ended December 31, 2018.                                    

Mortgage Loans, Valuation Allowance and Impaired Loans by Portfolio Segment 

Mortgage loans by portfolio segment, by method of evaluation of credit  
loss, impaired mortgage loans including those modified in a troubled debt   
restructuring, and the related valuation allowances, were as follows at and 
for the years ended:                                                        

                                                        [Enlarge/Download Table]

                                                                                Evaluated Collectively for       Impaired      
                           Evaluated Individually for Credit Losses                  Credit Losses                Loans        
                   --------------------------------------------------------     -------------------------- --------------------
                        Impaired Loans with a          Impaired Loans without a                                                
                         Valuation Allowance             Valuation Allowance                                                   
                   --------------------------------    -----------------------                                                 
                    Unpaid                               Unpaid                                                       Average  
                   Principal      Recorded  Valuation   Principal    Recorded     Recorded     Valuation   Carrying   Recorded 
                    Balance      Investment Allowances   Balance    Investment   Investment    Allowances   Value    Investment
                   ----------    ---------- ---------- -----------  -----------  ------------  ----------  --------- ----------
                                                               (In millions)                                                   
                                                                                                                               
December 31, 2018                                                                                                              
Commercial........  $      --     $      --  $     --   $       --   $       --  $    38,123    $    190    $     --  $     -- 
Agricultural......         31            31         3          169          169       13,964          41         197       123 
Residential.......         --            --        --          431          386       11,006          57         386       358 
                   ----------    ---------- ---------  -----------  -----------  ------------  ---------   --------- --------- 
  Total...........  $      31     $      31  $      3   $      600   $      555  $    63,093    $    288    $    583  $    481 
                   ==========    ========== =========  ===========  ===========  ============  =========   ========= ========= 
December 31, 2017                                                                                                              
Commercial........  $      --     $      --  $     --   $       --   $       --  $    35,440    $    173    $     --  $      5 
Agricultural......         22            21         2           27           27       12,664          38          46        32 
Residential.......         --            --        --          358          324        9,734          58         324       285 
                   ----------    ---------- ---------  -----------  -----------  ------------  ---------   --------- --------- 
  Total...........  $      22     $      21  $      2   $      385   $      351  $    57,838    $    269    $    370  $    322 
                   ==========    ========== =========  ===========  ===========  ============  =========   ========= ========= 

 The average recorded investment for impaired commercial, agricultural and
residential mortgage loans was $30 million, $49 million and $188 million,   
respectively, for the year ended December 31, 2016.                         

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Valuation Allowance Rollforward by Portfolio Segment                        

The changes in the valuation allowance, by portfolio segment, were as   
follows:                                                                    

                                                        [Enlarge/Download Table]

                                  Commercial   Agricultural   Residential      Total     
                                -------------- ------------- ------------- --------------
                                                      (In millions)                      
                                                                                         
Balance at January 1, 2016.....  $         165  $         37  $         55  $         257
Provision (release)............              6             1            23             30
Charge-offs, net of recoveries.             --            --          (16)           (16)
Dispositions (1)...............            (4)            --            --            (4)
                                -------------- ------------- ------------- --------------
Balance at December 31, 2016...            167            38            62            267
Provision (release)............              6             4             8             18
Charge-offs, net of recoveries.             --           (2)          (12)           (14)
                                -------------- ------------- ------------- --------------
Balance at December 31, 2017...            173            40            58            271
Provision (release)............             17             4             7             28
Charge-offs, net of recoveries.             --            --           (8)            (8)
                                -------------- ------------- ------------- --------------
Balance at December 31, 2018...  $         190  $         44  $         57  $         291
                                ============== ============= ============= ==============

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

(1) See Note 3.                                                                 

Valuation Allowance Methodology                                           

Mortgage loans are considered to be impaired when it is probable that,
based upon current information and events, the Company will be unable to  
collect all amounts due under the loan agreement. Specific valuation      
allowances are established using the same methodology for all three       
portfolio segments as the excess carrying value of a loan over either     
  (i) the present value of expected future cash flows discounted at the loan's
original effective interest rate, (ii) the estimated fair value of the    
  loan's underlying collateral if the loan is in the process of foreclosure or
  otherwise collateral dependent, or (iii) the loan's observable market price.
A common evaluation framework is used for establishing non-specific       
valuation allowances for all loan portfolio segments; however, a separate 
 non-specific valuation allowance is calculated and maintained for each loan
portfolio segment that is based on inputs unique to each loan portfolio   
segment. Non-specific valuation allowances are established for pools of   
loans with similar risk characteristics where a property-specific or      
market-specific risk has not been identified, but for which the Company   
expects to incur a credit loss. These evaluations are based upon several  
 loan portfolio segment-specific factors, including the Company's experience
with loan losses, defaults and loss severity, and loss expectations for   
loans with similar risk characteristics. These evaluations are revised as 
conditions change and new information becomes available.                  

Commercial and Agricultural Mortgage Loan Portfolio Segments              

The Company typically uses several years of historical experience in  
establishing non-specific valuation allowances which capture multiple     
economic cycles. For evaluations of commercial mortgage loans, in addition
to historical experience, management considers factors that include the   
impact of a rapid change to the economy, which may not be reflected in the
  loan portfolio, and recent loss and recovery trend experience as compared to
historical loss and recovery experience. For evaluations of agricultural  
mortgage loans, in addition to historical experience, management considers
factors that include increased stress in certain sectors, which may be    
evidenced by higher delinquency rates, or a change in the number of higher
risk loans. On a quarterly basis, management incorporates the impact of   
these current market events and conditions on historical experience in    
 determining the non-specific valuation allowance established for commercial
and agricultural mortgage loans.                                          

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

  All commercial mortgage loans are reviewed on an ongoing basis which may
include an analysis of the property financial statements and rent roll,   
lease rollover analysis, property inspections, market analysis, estimated 
 valuations of the underlying collateral, loan-to-value ratios, debt service
  coverage ratios, and tenant creditworthiness. The monitoring process focuses
on higher risk loans, which include those that are classified as          
restructured, delinquent or in foreclosure, as well as loans with higher  
loan-to-value ratios and lower debt service coverage ratios. All          
agricultural mortgage loans are monitored on an ongoing basis. The        
monitoring process for agricultural mortgage loans is generally similar to
  the commercial mortgage loan monitoring process, with a focus on higher risk
loans, including reviews on a geographic and property-type basis. Higher  
risk loans are reviewed individually on an ongoing basis for potential    
credit loss and specific valuation allowances are established using the   
 methodology described above. Quarterly, the remaining loans are reviewed on
a pool basis by aggregating groups of loans that have similar risk        
characteristics for potential credit loss, and non-specific valuation     
allowances are established as described above using inputs that are unique
to each segment of the loan portfolio.                                    

    For commercial mortgage loans, the primary credit quality indicator is the
debt service coverage ratio, which compares a property's net operating    
  income to amounts needed to service the principal and interest due under the
loan. Generally, the lower the debt service coverage ratio, the higher the
risk of experiencing a credit loss. The Company also reviews the          
  loan-to-value ratio of its commercial mortgage loan portfolio. Loan-to-value
ratios compare the unpaid principal balance of the loan to the estimated  
fair value of the underlying collateral. Generally, the higher the        
 loan-to-value ratio, the higher the risk of experiencing a credit loss. The
  debt service coverage ratio and the values utilized in calculating the ratio
are updated annually on a rolling basis, with a portion of the portfolio  
updated each quarter. In addition, the loan-to-value ratio is routinely   
updated for all but the lowest risk loans as part of the Company's ongoing
review of its commercial mortgage loan portfolio.                         

For agricultural mortgage loans, the Company's primary credit quality 
indicator is the loan-to-value ratio. The values utilized in calculating  
this ratio are developed in connection with the ongoing review of the     
agricultural mortgage loan portfolio and are routinely updated.           

Residential Mortgage Loan Portfolio Segment                               

  The Company's residential mortgage loan portfolio is comprised primarily
of closed end, amortizing residential mortgage loans. For evaluations of  
residential mortgage loans, the key inputs of expected frequency and      
expected loss reflect current market conditions, with expected frequency  
adjusted, when appropriate, for differences from market conditions and the
Company's historical experience. In contrast to the commercial and        
agricultural mortgage loan portfolios, residential mortgage loans are     
smaller-balance homogeneous loans that are collectively evaluated for     
impairment. Non-specific valuation allowances are established using the   
evaluation framework described above for pools of loans with similar risk 
characteristics from inputs that are unique to the residential segment of 
 the loan portfolio. Loan specific valuation allowances are only established
on residential mortgage loans when they have been restructured and are    
established using the methodology described above for all loan portfolio  
segments.                                                                 

For residential mortgage loans, the Company's primary credit quality  
indicator is whether the loan is performing or nonperforming. The Company 
  generally defines nonperforming residential mortgage loans as those that are
60 or more days past due and/or in nonaccrual status which is assessed    
monthly. Generally, nonperforming residential mortgage loans have a higher
risk of experiencing a credit loss.                                       

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Credit Quality of Commercial Mortgage Loans                                 

The credit quality of commercial mortgage loans was as follows at:      

                                                        [Enlarge/Download Table]

                                         Recorded Investment                                        
                       -------------------------------------------------------                      
                          Debt Service Coverage Ratios                          Estimated           
                       ----------------------------------              % of       Fair       % of   
                         > 1.20x   1.00x - 1.20x < 1.00x     Total     Total      Value      Total  
                       ----------- ------------- -------- ----------- -------- ----------- ---------
                                                   (Dollars in millions)                            
                                                                                                    
December 31, 2018                                                                                   
Loan-to-value ratios:                                                                               
Less than 65%.........  $   31,282   $     723    $    85  $   32,090    84.2%  $   32,440     84.3%
65% to 75%............       4,759          --         21       4,780     12.5       4,829      12.6
76% to 80%............         340         210         56         606      1.6         585       1.5
Greater than 80%......         480         167         --         647      1.7         613       1.6
                       -----------  ----------   -------- ----------- -------- ----------- ---------
  Total...............  $   36,861   $   1,100    $   162  $   38,123   100.0%  $   38,467    100.0%
                       ===========  ==========   ======== =========== ======== =========== =========
December 31, 2017                                                                                   
Loan-to-value ratios:                                                                               
Less than 65%.........  $   29,346   $   1,359    $   198  $   30,903    87.2%  $   31,563     87.5%
65% to 75%............       3,245          95        114       3,454      9.7       3,465       9.6
76% to 80%............         149         171         57         377      1.1         363       1.0
Greater than 80%......         400         159        147         706      2.0         665       1.9
                       -----------  ----------   -------- ----------- -------- ----------- ---------
  Total...............  $   33,140   $   1,784    $   516  $   35,440   100.0%  $   36,056    100.0%
                       ===========  ==========   ======== =========== ======== =========== =========

Credit Quality of Agricultural Mortgage Loans                               

The credit quality of agricultural mortgage loans was as follows at:  

                                                                [Download Table]

                                          December 31,                    
                       -------------------------------------------------- 
                                 2018                      2017           
                       ------------------------  ------------------------ 
                          Recorded      % of        Recorded      % of    
                         Investment     Total      Investment     Total   
                       -------------- ---------  -------------- --------- 
                                      (Dollars in millions)               
                                                                          
Loan-to-value ratios:                                                     
Less than 65%.........  $      13,075      92.3%  $      12,082      95.0%
65% to 75%............          1,034       7.3             581       4.6 
76% to 80%............             32       0.2              40       0.3 
Greater than 80%......             23       0.2               9       0.1 
                       -------------- ---------  -------------- --------- 
    Total.............  $      14,164     100.0%  $      12,712     100.0%
                       ============== =========  ============== ========= 

   The estimated fair value of agricultural mortgage loans was $14.1 billion
and $12.8 billion at December 31, 2018 and 2017, respectively.            

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Credit Quality of Residential Mortgage Loans                                

The credit quality of residential mortgage loans was as follows at:     

                                                                [Download Table]

                                           December 31,                   
                         -------------------------------------------------
                                   2018                     2017          
                         ------------------------ ------------------------
                           Recorded      % of       Recorded      % of    
                           Investment     Total     Investment     Total  
                         ------------- ---------- ------------- ----------
                                       (Dollars in millions)              
                                                                          
Performance indicators:                                                   
Performing..............  $     10,990      96.5%  $      9,614      95.6%
Nonperforming (1).......           402        3.5           444        4.4
                         ------------- ---------- ------------- ----------
  Total.................  $     11,392     100.0%  $     10,058     100.0%
                         ============= ========== ============= ==========

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

(1)Includes residential mortgage loans in process of foreclosure of             
$140 million and $132 million at December 31, 2018 and 2017, respectively.

The estimated fair value of residential mortgage loans was              
$11.8 billion and $10.6 billion at December 31, 2018 and 2017, respectively.

Past Due and Nonaccrual Mortgage Loans                                      

  The Company has a high quality, well performing mortgage loan portfolio,
with 99% of all mortgage loans classified as performing at both December 31,
2018 and 2017. The Company defines delinquency consistent with industry     
practice, when mortgage loans are past due as follows: commercial and       
residential mortgage loans -- 60 days and agricultural mortgage loans -- 90 
days. The past due and nonaccrual mortgage loans at recorded investment,    
prior to valuation allowances, by portfolio segment, were as follows at:    

                                                        [Enlarge/Download Table]

                                                  Greater than 90 Days Past Due and Still                                    
                           Past Due                        Accruing Interest                          Nonaccrual             
              ----------------------------------- --------------------------------------- -----------------------------------
              December 31, 2018 December 31, 2017 December 31, 2018   December 31, 2017   December 31, 2018 December 31, 2017
              ----------------- ----------------- -----------------   -----------------   ----------------- -----------------
                                                             (In millions)                                                   
                                                                                                                             
Commercial...              $ --              $ --              $ --                $ --                $167              $ --
Agricultural.               204               134               109                 125                 105                36
Residential..               402               444                --                  --                 402               444
              ----------------- ----------------- -----------------   -----------------   ----------------- -----------------
  Total......              $606              $578              $109                $125                $674              $480
              ================= ================= =================   =================   ================= =================

Mortgage Loans Modified in a Troubled Debt Restructuring                    

The Company may grant concessions related to borrowers experiencing     
 financial difficulties, which are classified as troubled debt restructurings.
Generally, the types of concessions include: reduction of the contractual   
interest rate, extension of the maturity date at an interest rate lower than
current market interest rates, and/or a reduction of accrued interest. The  
amount, timing and extent of the concessions granted are considered in      
determining any impairment or changes in the specific valuation allowance   
 recorded with the restructuring. Through the continuous monitoring process, a
 specific valuation allowance may have been recorded prior to the quarter when
the mortgage loan is modified in a troubled debt restructuring.             

For the year ended December 31, 2018, the Company had 440 residential   
mortgage loans modified in a troubled debt restructuring with carrying value
of $96 million and $92 million pre-modification and post-modification,      
respectively. For the year ended December 31, 2017, the Company had 500     
residential mortgage loans modified in a troubled debt restructuring with   
carrying value of $120 million and $108 million pre-modification and        
post-modification, respectively. For the years ended December 31, 2018 and  
2017, the Company did not have a significant amount of agricultural mortgage
loans and no commercial mortgage loans modified in a troubled debt          
restructuring.                                                              

For both the years ended December 31, 2018 and 2017, the Company did not
have a significant amount of mortgage loans modified in a troubled debt     
restructuring with subsequent payment default.                              

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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Other Invested Assets                                                         

Other invested assets is comprised primarily of freestanding derivatives  
with positive estimated fair values (see Note 9), tax credit and renewable    
energy partnerships, affiliated investments, annuities funding structured     
settlement claims, leveraged and direct financing leases and FHLB common      
stock. See "-- Related Party Investment Transactions" for information         
regarding affiliated investments and annuities funding structured settlement  
claims.                                                                       

Tax Credit Partnerships                                                     

The carrying value of tax credit partnerships was $1.7 billion and        
$1.8 billion at December 31, 2018 and 2017, respectively. Losses from tax     
credit partnerships included within net investment income were $257 million,  
$259 million, and $166 million for the years ended December 31, 2018, 2017 and
2016, respectively.                                                           

Leveraged and Direct Financing Leases                                       

Investment in leveraged and direct financing leases consisted of the    
following at:                                                               

                                                                [Download Table]

                                             December 31,                   
                           ------------------------------------------------ 
                                    2018                     2017           
                           ----------------------  ------------------------ 
                                         Direct                    Direct   
                            Leveraged   Financing    Leveraged    Financing 
                             Leases      Leases       Leases       Leases   
                           ----------  ----------  ------------  ---------- 
                                             (In millions)                  
                                                                            
Rental receivables, net... $      715  $      256  $        911  $      278 
Estimated residual values.        618          42           649          42 
                           ----------  ----------  ------------  ---------- 
  Subtotal................      1,333         298         1,560         320 
Unearned income...........       (401)       (100)         (448)       (113)
                           ----------  ----------  ------------  ---------- 
  Investment in leases.... $      932  $      198  $      1,112  $      207 
                           ==========  ==========  ============  ========== 

  Rental receivables are generally due in periodic installments. The payment
periods for leveraged leases generally range from one to 15 years but in    
certain circumstances can be over 25 years, while the payment periods for   
direct financing leases generally range from one to 25 years but in certain 
circumstances can be over 25 years. For rental receivables, the primary     
credit quality indicator is whether the rental receivable is performing or  
nonperforming, which is assessed monthly. The Company generally defines     
nonperforming rental receivables as those that are 90 days or more past due.
At both December 31, 2018 and 2017, all leveraged lease receivables and     
direct financing rental receivables were performing.                        

   The Company's deferred income tax liability related to leveraged leases was
$465 million and $875 million at December 31, 2018 and 2017, respectively.  

Cash Equivalents                                                                

The carrying value of cash equivalents, which includes securities and other 
investments with an original or remaining maturity of three months or less at   
the time of purchase, was $5.0 billion and $3.1 billion at December 31, 2018    
and 2017, respectively.                                                         

Net Unrealized Investment Gains (Losses)                                        

 Unrealized investment gains (losses) on fixed maturity securities AFS, equity
securities and derivatives and the effect on DAC, VOBA, DSI, future policy      
benefits and the policyholder dividend obligation, that would result from the   
realization of the unrealized gains (losses), are included in net unrealized    
investment gains (losses) in AOCI.                                              

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

 The components of net unrealized investment gains (losses), included in AOCI,
were as follows:                                                                

                                                                [Download Table]

                                                Years Ended December 31,        
                                         -------------------------------------- 
                                             2018         2017          2016    
                                         -----------  ------------  ----------- 
                                                      (In millions)             
                                                                                
Fixed maturity securities AFS...........  $    3,890   $    12,349   $    7,912 
Fixed maturity securities AFS with                                              
 noncredit OTTI losses included in AOCI.          25            40           10 
                                         -----------  ------------  ----------- 
 Total fixed maturity securities AFS....       3,915        12,389        7,922 
Equity securities.......................          --           119           72 
Derivatives.............................       1,742         1,396        2,244 
Other...................................         231             1           16 
                                         -----------  ------------  ----------- 
 Subtotal...............................       5,888        13,905       10,254 
                                         -----------  ------------  ----------- 
Amounts allocated from:                                                         
Future policy benefits..................          (5)          (19)          (9)
DAC and VOBA related to noncredit OTTI                                          
 losses recognized in AOCI..............          --            --          (1) 
DAC, VOBA and DSI.......................        (571)         (790)        (569)
Policyholder dividend obligation........        (428)       (2,121)      (1,931)
                                         -----------  ------------  ----------- 
 Subtotal...............................      (1,004)      (2,930)       (2,510)
Deferred income tax benefit (expense)                                           
 related to noncredit OTTI losses                                               
 recognized in AOCI.....................          (5)          (14)          (3)
Deferred income tax benefit (expense)...        (982)       (3,704)      (2,690)
                                         -----------  ------------  ----------- 
Net unrealized investment gains (losses)  $    3,897   $     7,257   $    5,051 
                                         ===========  ============  =========== 

The changes in net unrealized investment gains (losses) were as follows:    

                                                                [Download Table]

                                                Years Ended December 31,       
                                         ------------------------------------- 
                                             2018         2017         2016    
                                         -----------  -----------  ----------- 
                                                     (In millions)             
                                                                               
Balance at January 1,...................  $    7,257   $    5,051   $    4,773 
Cumulative effects of changes in                                               
 accounting principles, net of income                                          
 tax (Note 1)...........................       1,310           --           -- 
Fixed maturity securities AFS on which                                         
 noncredit OTTI losses have been                                               
 recognized.............................         (15)          30           49 
Unrealized investment gains (losses)                                           
 during the year........................      (7,883)       3,621          541 
Unrealized investment gains (losses)                                           
 relating to:...........................                                       
Future policy benefits..................          14          (10)          (2)
DAC and VOBA related to noncredit OTTI                                         
 losses recognized in AOCI..............          --            1           (1)
DAC, VOBA and DSI.......................         219         (221)           3 
Policyholder dividend obligation........       1,693         (190)        (148)
Deferred income tax benefit (expense)                                          
 related to noncredit OTTI losses                                              
 recognized in AOCI.....................           9          (11)         (17)
Deferred income tax benefit (expense)...       1,293       (1,014)        (148)
                                         -----------  -----------  ----------- 
 Net unrealized investment gains                                               
   (losses).............................       3,897        7,257        5,050 
Net unrealized investment gains                                                
 (losses) attributable to                                                      
 noncontrolling interests...............          --           --            1 
                                         -----------  -----------  ----------- 
Balance at December 31,.................  $    3,897   $    7,257   $    5,051 
                                         ===========  ===========  =========== 
Change in net unrealized investment                                            
 gains (losses).........................  $   (3,360)  $    2,206   $      277 
Change in net unrealized investment                                            
 gains (losses) attributable to                                                
 noncontrolling interests...............          --           --            1 
                                         -----------  -----------  ----------- 
Change in net unrealized investment                                            
 gains (losses) attributable to                                                
 Metropolitan Life Insurance Company....  $   (3,360)  $    2,206   $      278 
                                         ===========  ===========  =========== 

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Concentrations of Credit Risk                                                   

There were no investments in any counterparty that were greater than 10% of 
the Company's equity, other than the U.S. government and its agencies, at both  
December 31, 2018 and 2017.                                                     

Securities Lending and Repurchase Agreements                                    

Securities, Collateral and Reinvestment Portfolio                           

 A summary of the securities lending and repurchase agreements transactions is
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                          December 31,                                                    
             -------------------------------------------------------------------------------------------------------------
                                    2018                                                   2017                           
             ------------------------------------------------------ ------------------------------------------------------
                 Securities on Loan (1)                                 Securities on Loan (1)                            
             --------------------------                             --------------------------                            
                                             Cash                                                   Cash                  
                                          Collateral   Reinvestment                              Collateral   Reinvestment
                                        Received from  Portfolio at                            Received from  Portfolio at
              Amortized    Estimated    Counterparties  Estimated    Amortized    Estimated    Counterparties  Estimated  
                Cost       Fair Value      (2) (3)      Fair Value     Cost       Fair Value      (2) (3)      Fair Value 
              -----------  -----------  -------------- ------------  -----------  -----------  -------------- ------------
                                                          (In millions)                                                   
                                                                                                                          
Securities                                                                                                                
 lending.... $    12,521   $    13,138   $    13,351   $    13,376  $    13,887   $    14,852   $    15,170   $    15,188 
Repurchase                                                                                                                
 agreements. $       974   $     1,020   $     1,000   $     1,001  $       900   $     1,031   $     1,000   $     1,000 

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

(1)Securities on loan in connection with securities lending are included within 
fixed maturities securities AFS and securities on loan in connection with 
repurchase agreements are included within fixed maturities securities AFS,
cash equivalents and short-term investments.                              

(2)In connection with securities lending, in addition to cash collateral        
received, the Company received from counterparties security collateral of 
$64 million and $11 million at December 31, 2018 and 2017, respectively,  
 which may not be sold or re-pledged, unless the counterparty is in default,
and is not reflected on the consolidated financial statements.            

(3)The securities lending liability for cash collateral is included within      
 payables for collateral under securities loaned and other transactions; and
the repurchase agreements liability for cash collateral is included within
payables for collateral under securities loaned and other transactions and
other liabilities.                                                        

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Contractual Maturities                                                      

A summary of the remaining contractual maturities of securities lending     
agreements and repurchase agreements is as follows:                             

                                                        [Enlarge/Download Table]

                                                                               December 31,                            
                                                    -------------------------------------------------------------------
                                                                  2018                              2017               
                                                    --------------------------------- ---------------------------------
                                                       Remaining Maturities of the       Remaining Maturities of the   
                                                               Agreements                        Agreements            
                                                    --------------------------------- ---------------------------------
                                                                      Over                              Over           
                                                             1 Month 1 to 6                    1 Month 1 to 6          
                                                    Open (1) or Less Months   Total   Open (1) or Less Months   Total  
                                                    -------- ------- ------- -------- -------- ------- ------- --------
                                                                               (In millions)                           
                                                                                                                       
Cash collateral liability by loaned security type:                                                                     
  Securities lending:                                                                                                  
    U.S. government and agency..................... $ 1,970  $ 7,426 $ 3,955 $ 13,351 $ 2,927  $ 5,279 $ 6,964 $ 15,170
  Repurchase agreements:                                                                                               
    U.S. government and agency..................... $    --  $ 1,000 $    -- $  1,000 $    --  $ 1,000 $    -- $  1,000

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

(1) The related loaned security could be returned to the Company on the next    
business day, which would require the Company to immediately return the 
   cash collateral. The estimated fair value of the securities on loan related
   to this cash collateral at December 31, 2018 was $1.9 billion, all of which
were U.S. government and agency securities which, if put back to the    
Company, could be immediately sold to satisfy the cash requirement.     

If the Company is required to return significant amounts of cash collateral 
on short notice and is forced to sell securities to meet the return obligation, 
it may have difficulty selling such collateral that is invested in securities   
in a timely manner, be forced to sell securities in a volatile or illiquid      
market for less than what otherwise would have been realized under normal       
market conditions, or both.                                                     

The securities lending and repurchase agreements reinvestment portfolios    
acquired with the cash collateral consisted principally of high quality,        
liquid, publicly-traded fixed maturity securities AFS, short-term investments,  
cash equivalents or held in cash. If the securities on loan or the reinvestment 
portfolio become less liquid, the Company has the liquidity resources of most   
of its general account available to meet any potential cash demands when        
securities on loan are put back to the Company.                                 

Invested Assets on Deposit and Pledged as Collateral                            

Invested assets on deposit and pledged as collateral are presented below at 
estimated fair value for all asset classes, except mortgage loans, which are    
presented at carrying value at:                                                 

                                                        [Enlarge/Download Table]

                                                                   December 31,      
                                                              -----------------------
                                                                 2018        2017    
                                                              ----------- -----------
                                                                   (In millions)     
                                                                                     
Invested assets on deposit (regulatory deposits)............. $        47 $        49
Invested assets pledged as collateral (1)....................      20,207      20,775
                                                              ----------- -----------
  Total invested assets on deposit and pledged as collateral. $    20,254 $    20,824
                                                              =========== ===========

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

(1) The Company has pledged invested assets in connection with various          
agreements and transactions, including funding agreements (see Note 4), 
derivative transactions (see Note 9) and secured debt (See Note 11).    

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

See "-- Securities Lending and Repurchase Agreements" for information       
regarding securities supporting securities lending and repurchase agreement     
transactions and Note 7 for information regarding investments designated to the 
closed block. In addition, the restricted investment in FHLB common stock was   
$724 million and $733 million, at redemption value, at December 31, 2018 and    
2017, respectively (see Note 1).                                                

Purchased Credit Impaired Investments                                           

Investments acquired with evidence of credit quality deterioration since    
origination and for which it is probable at the acquisition date that the       
Company will be unable to collect all contractually required payments are       
classified as purchased credit impaired ("PCI") investments. For each           
investment, the excess of the cash flows expected to be collected as of the     
acquisition date over its acquisition date fair value is referred to as the     
accretable yield and is recognized as net investment income on an effective     
yield basis. If, subsequently, based on current information and events, it is   
probable that there is a significant increase in cash flows previously expected 
to be collected or if actual cash flows are significantly greater than cash     
flows previously expected to be collected, the accretable yield is adjusted     
prospectively. The excess of the contractually required payments (including     
interest) as of the acquisition date over the cash flows expected to be         
collected as of the acquisition date is referred to as the nonaccretable        
difference, and this amount is not expected to be realized as net investment    
income. Decreases in cash flows expected to be collected can result in OTTI.    

The Company's PCI investments had an outstanding principal balance of       
$3.9 billion and $4.6 billion at December 31, 2018 and 2017, respectively,      
which represents the contractually required principal and accrued interest      
payments whether or not currently due and a carrying value (estimated fair      
value of the investments plus accrued interest) of $3.2 billion and             
$3.8 billion at December 31, 2018 and 2017, respectively. Accretion of          
accretable yield on PCI investments recognized in earnings in net investment    
income was $266 million and $273 million for the years ended December 31, 2018  
and 2017, respectively. Purchases of PCI investments were insignificant in both 
of the years ended December 31, 2018 and 2017.                                  

Collectively Significant Equity Method Investments                              

The Company holds investments in real estate joint ventures, real estate    
funds and other limited partnership interests consisting of leveraged buy-out   
funds, hedge funds, private equity funds, joint ventures and other funds. The   
portion of these investments accounted for under the equity method had a        
carrying value of $11.5 billion at December 31, 2018. 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 $3.1 billion   
at December 31, 2018. Except for certain real estate joint ventures and certain 
funds, the Company's investments in its remaining real estate funds and other   
limited partnership interests are generally of a passive nature in that the     
Company does not participate in the management of the entities.                 

As described in Note 1, the Company generally records its share of earnings 
in its equity method investments using a three-month lag methodology and within 
net investment income. Aggregate net investment income from these equity method 
investments exceeded 10% of the Company's consolidated pre-tax income (loss)    
for two of the three most recent annual periods: 2017 and 2016. The Company is  
providing the following aggregated summarized financial data for such equity    
method investments, for the most recent annual periods, in order to provide     
comparative information. This aggregated summarized financial data does not     
represent the Company's proportionate share of the assets, liabilities, or      
earnings of such entities.                                                      

The aggregated summarized financial data presented below reflects the latest
available financial information and is as of, and for, the years ended          
December 31, 2018, 2017 and 2016. Aggregate total assets of these entities      
totaled $466.8 billion and $450.0 billion at December 31, 2018 and 2017,        
respectively. Aggregate total liabilities of these entities totaled             
$56.3 billion and $59.5 billion at December 31, 2018 and 2017, respectively.    
Aggregate net income (loss) of these entities totaled $42.7 billion,            
$35.0 billion and $27.6 billion for the years ended December 31, 2018, 2017 and 
2016, respectively. Aggregate net income (loss) from the underlying entities in 
which the Company invests is primarily comprised of investment income,          
including recurring investment income and realized and unrealized investment    
gains (losses).                                                                 

Variable Interest Entities                                                      

The Company has invested in legal entities that are VIEs. In certain        
instances, the Company holds both the power to direct the most significant      
activities of the entity, as well as an economic interest in the entity and, as 
such, is deemed to be the primary beneficiary or consolidator of the entity.    
The determination of the VIE's primary beneficiary requires an evaluation of    
the contractual and implied rights and obligations associated with each party's 
relationship with or involvement in the entity, an estimate of the entity's     
expected losses and expected residual returns and the allocation of such        
estimates to each party involved in the entity.                                 

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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Consolidated VIEs                                                           

 Creditors or beneficial interest holders of VIEs where the Company is the
 primary beneficiary have no recourse to the general credit of the Company, as
the Company's obligation to the VIEs is limited to the amount of its        
committed investment.                                                       

The following table presents the total assets and total liabilities     
relating to investment related VIEs for which the Company has concluded that
it is the primary beneficiary and which are consolidated at:                

                                                        [Enlarge/Download Table]

                                                                December 31,                 
                                                ---------------------------------------------
                                                         2018                   2017         
                                                ---------------------- ----------------------
                                                  Total       Total      Total       Total   
                                                  Assets   Liabilities   Assets   Liabilities
                                                ---------- ----------- ---------- -----------
                                                                (In millions)                
                                                                                             
Real estate joint ventures (1)................. $    1,394 $       --  $    1,077 $       -- 
Renewable energy partnership (2)...............        102         --         116          3 
Investment fund (primarily mortgage loans) (3).        219         --          --         -- 
Other investments (2)..........................         21          5          32          6 
                                                ---------- ----------- ---------- -----------
  Total........................................ $    1,736 $        5  $    1,225 $        9 
                                                ========== =========== ========== ===========

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

(1) The Company's investment in these affiliated real estate joint ventures was 
  $1.3 billion and $1.0 billion at December 31, 2018 and 2017, respectively.
Other affiliates' investments in these affiliated real estate joint     
 ventures were $123 million and $85 million at December 31, 2018 and 2017,
respectively.                                                           

(2) Assets of the renewable energy partnership and other investments primarily  
consisted of other invested assets.                                     

(3) The investment by the Company and its affiliate in this affiliated          
investment fund was $178 million and $41 million, respectively, at      
December 31, 2018.                                                      

Unconsolidated VIEs                                                         

  The carrying amount and maximum exposure to loss relating to VIEs in which
the Company holds a significant variable interest but is not the primary    
beneficiary and which have not been consolidated were as follows at:        

                                                        [Enlarge/Download Table]

                                                          December 31,                      
                                     -------------------------------------------------------
                                                2018                        2017            
                                     --------------------------- ---------------------------
                                                      Maximum                     Maximum   
                                        Carrying     Exposure       Carrying     Exposure   
                                        Amount       to Loss (1)    Amount       to Loss (1)
                                     ------------- ------------- ------------- -------------
                                                          (In millions)                     
                                                                                            
Fixed maturity securities AFS:                                                              
  Structured Securities (2)......... $      35,112 $      35,112 $      34,284 $      34,284
  U.S. and foreign corporate........           669           669         1,166         1,166
Other limited partnership interests.         3,979         6,405         3,561         5,765
Other invested assets...............         1,914         2,066         2,172         2,506
Real estate joint ventures..........            33            37            38            43
                                     ------------- ------------- ------------- -------------
  Total............................. $      41,707 $      44,289 $      41,221 $      43,764
                                     ============= ============= ============= =============

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

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

(1) The maximum exposure to loss relating to fixed maturity securities AFS is   
equal to their carrying amounts or the carrying amounts of retained     
interests. The maximum exposure to loss relating to other limited       
partnership interests and real estate joint ventures is equal to the    
carrying amounts plus any unfunded commitments. For certain of its      
 investments in other invested assets, the Company's return is in the form
 of income tax credits which are guaranteed by creditworthy third parties.
   For such investments, the maximum exposure to loss is equal to the carrying
amounts plus any unfunded commitments, reduced by income tax credits    
   guaranteed by third parties of $93 million and $117 million at December 31,
   2018 and 2017, respectively. Such a maximum loss would be expected to occur
only upon bankruptcy of the issuer or investee.                         

(2)For these variable interests, the Company's involvement is limited to that   
of a passive investor in mortgage-backed or asset-backed securities issued
by trusts that do not have substantial equity.                            

  As described in Note 16, the Company makes commitments to fund partnership
investments in the normal course of business. Excluding these commitments,  
the Company did not provide financial or other support to investees         
 designated as VIEs during each of the years ended December 31, 2018, 2017 and
2016.                                                                       

  During 2018 and 2017, the Company securitized certain residential mortgage
loans and acquired an interest in the related RMBS issued. While the Company
has a variable interest in the issuer of the securities, it is not the      
primary beneficiary of the issuer of the securities since it does not have  
 any rights to remove the servicer or veto rights over the servicer's actions.
The carrying value and the estimated fair value of mortgage loans were      
$451 million and $478 million, respectively, for loans sold during 2018, and
$319 million and $339 million, respectively, for loans sold during 2017.    
Gains on securitizations of $27 million and $20 million during the years    
ended December 31, 2018 and 2017, respectively, were included within net    
investment gains (losses). The estimated fair value of RMBS acquired in     
connection with the securitizations was $98 million and $52 million at      
December 31, 2018 and 2017, respectively, which was included in the carrying
amount and maximum exposure to loss for Structured Securities presented     
above. See Note 10 for information on how the estimated fair value of       
mortgage loans and RMBS is determined, the valuation approaches and key     
inputs, their placement in the fair value hierarchy, and for certain RMBS,  
quantitative information about the significant unobservable inputs and the  
sensitivity of their estimated fair value to changes in those inputs.       

Net Investment Income                                                           

The components of net investment income were as follows:                  

                                                        [Enlarge/Download Table]

                                                           Years Ended December 31,         
                                                   -----------------------------------------
                                                       2018          2017          2016     
                                                   ------------- ------------- -------------
                                                                 (In millions)              
                                                                                            
Investment income:                                                                          
Fixed maturity securities AFS.....................   $     7,268   $     7,057   $     7,653
Equity securities.................................            42            97            90
Mortgage loans....................................         2,822         2,647         2,539
Policy loans......................................           297           310           404
Real estate and real estate joint ventures........           472           446           488
Other limited partnership interests...............           519           625           413
Cash, cash equivalents and short-term investments.           121            74            43
FVO Securities (1)................................            22            --             3
Operating joint venture...........................            37            19             9
Other.............................................           261           133           204
                                                   ------------- ------------- -------------
  Subtotal........................................        11,861        11,408        11,846
Less: Investment expenses.........................           942           895           763
                                                   ------------- ------------- -------------
  Net investment income...........................   $    10,919   $    10,513   $    11,083
                                                   ============= ============= =============

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

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

(1) Changes in estimated fair value subsequent to purchase for investments      
still held as of the end of the respective periods included in net      
investment income were $22 million for the year ended December 31, 2018.
There were no changes in estimated fair value subsequent to purchase for
investments still held as of the end of the respective periods for the  
years ended December 31, 2017 and 2016.                                 

   See "-- Related Party Investment Transactions" for discussion of affiliated
net investment income and investment expenses.                              

The Company invests in real estate joint ventures, other limited        
partnership interests and tax credit and renewable energy partnerships, and 
also does business through an operating joint venture, the majority of which
are accounted for under the equity method. Net investment income from other 
limited partnership interests and an operating joint venture, accounted for 
under the equity method; and real estate joint ventures and tax credit and  
renewable energy partnerships, primarily accounted for under the equity     
method, totaled $344 million, $300 million and $239 million for the years   
ended December 31, 2018, 2017, and 2016, respectively.                      

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Net Investment Gains (Losses)                                                   

Components of Net Investment Gains (Losses)                                 

The components of net investment gains (losses) were as follows:        

                                                                [Download Table]

                                                  Years Ended December 31,     
                                         ------------------------------------- 
                                              2018         2017         2016   
                                         -----------  -----------  ----------- 
                                                     (In millions)             
                                                                               
Total gains (losses) on fixed maturity                                         
 securities AFS:                                                               
Total OTTI losses recognized -- by                                             
 sector and industry:                                                          
U.S. and foreign corporate securities                                          
 -- by industry:                                                               
Consumer................................  $      (19)  $       (5)  $       -- 
Industrial..............................          (2)          --          (58)
Finance.................................          (2)          --           -- 
Utility.................................          --           --          (20)
Communications..........................          --           --           (3)
                                         -----------  -----------  ----------- 
 Total U.S. and foreign corporate                                              
   securities...........................         (23)          (5)         (81)
RMBS....................................          --           --          (16)
Municipals..............................          --           (1)          -- 
                                         -----------  -----------  ----------- 
 OTTI losses on fixed maturity                                                 
   securities AFS recognized in earnings         (23)          (6)         (97)
Fixed maturity securities AFS -- net                                           
 gains (losses) on sales and disposals..         107           23          169 
                                         -----------  -----------  ----------- 
 Total gains (losses) on fixed maturity                                        
   securities AFS.......................          84           17           72 
                                         -----------  -----------  ----------- 
Total gains (losses) on equity                                                 
 securities:                                                                   
Total OTTI losses recognized -- by                                             
 security type:                                                                
Common stock............................          --          (23)         (75)
Non-redeemable preferred stock..........          --           (1)          -- 
                                         -----------  -----------  ----------- 
 OTTI losses on equity securities                                              
   recognized in earnings...............          --          (24)         (75)
Equity securities -- net gains (losses)                                        
 on sales and disposals.................          17            7           19 
Change in estimated fair value of                                              
 equity securities (1)..................        (101)          --           -- 
                                         -----------  -----------  ----------- 
 Total gains (losses) on equity                                                
   securities...........................         (84)         (17)         (56)
Mortgage loans..........................         (50)         (34)         (20)
Real estate and real estate joint                                              
 ventures...............................         311          607          142 
Other limited partnership interests.....           8          (52)         (59)
Other (2)...............................        (162)        (115)         (32)
                                         -----------  -----------  ----------- 
 Subtotal...............................         107          406           47 
                                         -----------  -----------  ----------- 
Change in estimated fair value of other                                        
 limited partnership interests and real                                        
 estate joint ventures..................          11           --           -- 
Non-investment portfolio gains (losses).          35          (72)          85 
                                         -----------  -----------  ----------- 
 Total net investment gains (losses)....  $      153   $      334   $      132 
                                         ===========  ===========  =========== 

--------                                                                        

(1)Changes in estimated fair value subsequent to purchase for equity securities 
still held as of the end of the period included in net investment gains   
   (losses) were ($82) million for the year ended December 31, 2018. See Note 1.

(2)Other gains (losses) included a renewable energy partnership realized loss   
  of $83 million and a leveraged lease impairment of $105 million for the year
ended December 31, 2018.                                                  

   See "-- Related Party Investment Transactions" for discussion of affiliated
net investment gains (losses) related to transfers of invested assets to    
affiliates.                                                                 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

Gains (losses) from foreign currency transactions included within net   
investment gains (losses) were $21 million, ($142) million and $89 million  
for the years ended December 31, 2018, 2017 and 2016, respectively.         

Sales or Disposals and Impairments of Fixed Maturity Securities AFS         

Sales of securities are determined on a specific identification basis.  
Proceeds from sales or disposals and the components of net investment       
gains (losses) were as shown in the table below:                            

                                                                [Download Table]

                                        Years Ended December 31,       
                                 ------------------------------------- 
                                     2018         2017         2016    
                                 -----------  -----------  ----------- 
                                             (In millions)             
                                                                       
Proceeds........................  $   53,042   $   34,483   $   58,812 
                                 ===========  ===========  =========== 
Gross investment gains..........  $      604   $      278   $      755 
Gross investment losses.........        (497)        (255)        (586)
OTTI losses.....................         (23)          (6)         (97)
                                 -----------  -----------  ----------- 
  Net investment gains (losses).  $       84   $       17   $       72 
                                 ===========  ===========  =========== 

Credit Loss Rollforward of Fixed Maturity Securities AFS                    

The table below presents a rollforward of the cumulative credit loss    
component of OTTI loss recognized in earnings on fixed maturity securities  
AFS still held for which a portion of the OTTI loss was recognized in OCI:  

                                                        [Enlarge/Download Table]

                                                                                                          Years Ended December 31,
                                                                                                      --------------------------- 
                                                                                                         2018           2017      
                                                                                                       ----------    -----------  
                                                                                                           (In millions)          
                                                                                                                                  
Balance at January 1,................................................................................  $     110     $      157   
Additions:                                                                                                                        
  Initial impairments -- credit loss OTTI on securities not previously impaired......................         --              1   
Reductions:                                                                                                                       
  Sales (maturities, pay downs or prepayments) of securities previously impaired as credit loss OTTI.        (38)           (47)  
  Increase in cash flows -- accretion of previous credit loss OTTI...................................         (2)            (1)  
                                                                                                       ----------    -----------  
Balance at December 31,..............................................................................  $      70     $      110   
                                                                                                       ==========    ===========  

Related Party Investment Transactions                                           

Recurring related party investments and related net investment income were
as follows at and for the years ended:                                          

                                                        [Enlarge/Download Table]

                                                                                December 31,    Years Ended December 31,
                                                                              ----------------- ------------------------
                                                                                2018     2017   2018     2017    2016   
                                                                              -------- --------  -----    -----   ----- 
   Investment Type/Balance Sheet Category           Related Party              Carrying Value   Net Investment Income   
--------------------------------------    ----------------------------------- ----------------- ------------------------
                                                                                         (In millions)                  
                                                                                                                        
        Affiliated investments                                                                                          
         (1)............................. MetLife, Inc.                       $  1,798 $  1,843 $  31    $  78   $  91  
        Affiliated investments                                                                                          
         (2)............................. American Life Insurance Company          100      100     3        3       3  
        Affiliated investments            Metropolitan Property and Casualty                                            
         (3)............................. Insurance Company                        315      315    10        6       5  
                                                                              -------- --------  -----    -----   ----- 
        Other invested assets............                                     $  2,213 $  2,258 $  44    $  87   $  99  
                                                                              ======== ========  =====    =====   ===== 
        Money market pool (4)............ Metropolitan Money Market Pool      $     52 $     70 $   1    $   1   $  --  
                                                                              -------- --------  -----    -----   ----- 
        Short-term investments...........                                     $     52 $     70 $   1    $   1   $  --  
                                                                              ======== ========  =====    =====   ===== 

--------                                                                        

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

(1)Represents an investment in affiliated senior notes. In March 2018, three    
senior notes previously issued by MetLife, Inc. to the Company were       
 redenominated to Japanese yen. A $500 million senior note was redenominated
to a new 53.3 billion Japanese yen senior note to the Company. The        
53.3 billion Japanese yen senior note matures in June 2019 and bears      
  interest at a rate per annum of 1.45%, payable semi-annually. A $250 million
  senior note was redenominated to a new 26.5 billion Japanese yen senior note
  to the Company. The 26.5 billion Japanese yen senior note matures in October
  2019 and bears interest at a rate per annum of 1.72%, payable semi-annually.
Another $250 million senior note was also redenominated to a new          
26.5 billion Japanese yen senior note to the Company. The 26.5 billion    
Japanese yen senior note matures in September 2020 and bears interest at a
rate per annum of 0.82%, payable semi-annually. In the second quarter of  
2018, the remaining $825 million of affiliated senior notes previously    
issued by MetLife, Inc. to the Company were redenominated into two new    
senior notes totaling 38.5 billion Japanese yen which mature in July 2021 
and bear interest at a rate per annum of 2.97%, payable semi-annually, and
  into two new senior notes totaling 51.0 billion Japanese yen which mature in
December 2021 and bear interest at a rate per annum of 3.14%, payable     
semi-annually.                                                            

(2)Represents an investment in an affiliated surplus note. The surplus note,    
 which bears interest at a fixed rate of 3.17%, payable semiannually, is due
on June 30, 2020.                                                         

(3)Represents an investment in affiliated preferred stock. Dividends are        
payable quarterly at a variable rate.                                     

(4)The investment has a variable rate of return.                                

The Company transfers invested assets, primarily consisting of fixed      
maturity securities AFS, to and from affiliates. Invested assets transferred to 
and from affiliates were as follows:                                            

                                                        [Enlarge/Download Table]

                                                                           Years Ended December 31,
                                                                     ----------------------------- 
                                                                       2018     2017 (1)   2016 (2)
                                                                     -------  ---------- ----------
                                                                             (In millions)         
                                                                                                   
Estimated fair value of invested assets transferred to affiliates... $    --   $    453  $    5,678
Amortized cost of invested assets transferred to affiliates......... $    --   $    416  $    5,338
Net investment gains (losses) recognized on transfers............... $    --   $     37  $      340
Estimated fair value of invested assets transferred from affiliates. $    77   $    306  $    1,583

--------                                                                        
(1)In January 2017, the Company received transferred investments with an        
  estimated fair value of $292 million, which are included in the table above,
 in addition to $275 million in cash related to the recapture by the Company
of risks from minimum benefit guarantees on certain variable annuities    
previously reinsured by Brighthouse Insurance. See Note 6 for additional  
information related to the separation of Brighthouse.                     

(2)In April 2016, the Company transferred investments and cash and cash         
 equivalents with an amortized cost and estimated fair value of $4.0 billion
and $4.3 billion, respectively, for the recapture by Brighthouse Insurance
of risks related to certain single premium deferred annuity contracts     
previously reinsured to Brighthouse Insurance, which are included in the  
  table above. Also, in November 2016, the Company transferred investments and
  cash and cash equivalents with an amortized cost and estimated fair value of
$863 million and $933 million, respectively, for the recapture by         
Brighthouse NY of risks related to certain single premium deferred annuity
 contracts previously reinsured to Brighthouse NY, which are included in the
  table above. See Note 6 for additional information related to the separation
of Brighthouse.                                                           

As a structured settlements assignment company, the Company purchased   
annuities from Brighthouse to fund the periodic structured settlement claim 
payment obligations it assumed. Each annuity purchased is contractually     
designated to the assumed claim obligation it funds. The aggregate related  
party annuity contract values recorded, for which the Company has also      
recorded unpaid claim obligations of equal amounts, were $1.3 billion at    
December 31, 2017. The related party net investment income and corresponding
 policyholder benefits and claims recognized were $36 million, $69 million and
$64 million for the years ended December 31, 2018, 2017 and 2016,           
respectively. See Note 6 for information related to the separation of       
Brighthouse.                                                                

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

8. Investments (continued)                                                      

 The related party funds withheld from Brighthouse had a carrying value of
$157 million at December 31, 2017. The related party other revenue and      
corresponding policyholder benefits and claims recognized were $7 million,  
$20 million and $11 million for the years ended December 31, 2018, 2017 and 
2016, respectively. See Note 6 for information related to the separation of 
Brighthouse and related party reinsurance transactions.                     

   In March 2017, the Company purchased from Brighthouse Insurance an interest
in an operating joint venture for $286 million, which was settled in cash in
April 2017.                                                                 

Through March 31, 2018, the Company provided investment administrative  
 services to certain affiliates. The related investment administrative service
charges to these affiliates were $19 million, $73 million and $172 million  
 for the years ended December 31, 2018, 2017 and 2016, respectively. Effective
April 1, 2018, the Company receives investment advisory services from an    
affiliate. The related affiliated investment advisory charges to the Company
since April 1, 2018 were $198 million for the year ended December 31, 2018. 

See "-- Mortgage Loans -- Mortgage Loans by Portfolio Segment" for      
discussion of mortgage loan participation agreements with affiliates.       

See "-- Variable Interest Entities" for information on investments in   
affiliated real estate joint ventures and affiliated investment fund.       

9. Derivatives                                                                  

Accounting for Derivatives                                                      

See Note 1 for a description of the Company's accounting policies for       
derivatives and Note 10 for information about the fair value hierarchy for      
derivatives.                                                                    

Derivative Strategies                                                           

The Company is exposed to various risks relating to its ongoing business    
operations, including interest rate, foreign currency exchange rate, credit and 
equity market. The Company uses a variety of strategies to manage these risks,  
including the use of derivatives.                                               

Derivatives are financial instruments with values derived from interest     
rates, foreign currency exchange rates, credit spreads and/or other financial   
indices. Derivatives may be exchange-traded or contracted in the                
over-the-counter ("OTC") market. Certain of the Company's OTC derivatives are   
cleared and settled through central clearing counterparties ("OTC-cleared"),    
while others are bilateral contracts between two                                
counterparties ("OTC-bilateral"). The types of derivatives the Company uses     
include swaps, forwards, futures and option contracts. To a lesser extent, the  
Company uses credit default swaps and structured interest rate swaps to         
synthetically replicate investment risks and returns which are not readily      
available in the cash markets.                                                  

Interest Rate Derivatives                                                       

The Company uses a variety of interest rate derivatives to reduce its       
exposure to changes in interest rates, including interest rate swaps, interest  
rate total return swaps, caps, floors, swaptions, futures and forwards.         

Interest rate swaps are used by the Company primarily to reduce market risks
from changes in interest rates and to alter interest rate exposure arising from 
mismatches between assets and liabilities (duration mismatches). In an interest 
rate swap, the Company agrees with another party to exchange, at specified      
intervals, the difference between fixed rate and floating rate interest amounts 
as calculated by reference to an agreed notional amount. The Company utilizes   
interest rate swaps in fair value, cash flow and nonqualifying hedging          
relationships.                                                                  

The Company uses structured interest rate swaps to synthetically create     
investments that are either more expensive to acquire or otherwise unavailable  
in the cash markets. These transactions are a combination of a derivative and a 
cash instrument such as a U.S. government and agency, or other fixed maturity   
securities AFS. Structured interest rate swaps are included in interest rate    
swaps and are not designated as hedging instruments.                            

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Interest rate total return swaps are swaps whereby the Company agrees with  
another party to exchange, at specified intervals, the difference between the   
economic risk and reward of an asset or a market index and a benchmark interest 
rate, calculated by reference to an agreed notional amount. No cash is          
exchanged at the outset of the contract. Cash is paid and received over the     
life of the contract based on the terms of the swap. These transactions are     
entered into pursuant to master agreements that provide for a single net        
payment to be made by the counterparty at each due date. Interest rate total    
return swaps are used by the Company to reduce market risks from changes in     
interest rates and to alter interest rate exposure arising from mismatches      
between assets and liabilities (duration mismatches). The Company utilizes      
interest rate total return swaps in nonqualifying hedging relationships.        

The Company purchases interest rate caps primarily to protect its floating  
rate liabilities against rises in interest rates above a specified level and    
against interest rate exposure arising from mismatches between assets and       
liabilities, and interest rate floors primarily to protect its minimum rate     
guarantee liabilities against declines in interest rates below a specified      
level. In certain instances, the Company locks in the economic impact of        
existing purchased caps and floors by entering into offsetting written caps and 
floors. The Company utilizes interest rate caps and floors in nonqualifying     
hedging relationships.                                                          

In exchange-traded interest rate (Treasury and swap) futures transactions,  
the Company agrees to purchase or sell a specified number of contracts, the     
value of which is determined by the different classes of interest rate          
securities, to post variation margin on a daily basis in an amount equal to the 
difference in the daily market values of those contracts and to pledge initial  
margin based on futures exchange requirements. The Company enters into          
exchange-traded futures with regulated futures commission merchants that are    
members of the exchange. Exchange-traded interest rate (Treasury and swap)      
futures are used primarily to hedge mismatches between the duration of assets   
in a portfolio and the duration of liabilities supported by those assets, to    
hedge against changes in value of securities the Company owns or anticipates    
acquiring, to hedge against changes in interest rates on anticipated liability  
issuances by replicating Treasury or swap curve performance, and to hedge       
minimum guarantees embedded in certain variable annuity products offered by the 
Company. The Company utilizes exchange-traded interest rate futures in          
nonqualifying hedging relationships.                                            

 Swaptions are used by the Company to hedge interest rate risk associated with
the Company's long-term liabilities and invested assets. A swaption is an       
option to enter into a swap with a forward starting effective date. In certain  
instances, the Company locks in the economic impact of existing purchased       
swaptions by entering into offsetting written swaptions. The Company pays a     
premium for purchased swaptions and receives a premium for written swaptions.   
The Company utilizes swaptions in nonqualifying hedging relationships.          
Swaptions are included in interest rate options.                                

The Company enters into interest rate forwards to buy and sell securities.  
The price is agreed upon at the time of the contract and payment for such a     
contract is made at a specified future date. The Company utilizes interest rate 
forwards in cash flow and nonqualifying hedging relationships.                  

 A synthetic GIC is a contract that simulates the performance of a traditional
GIC through the use of financial instruments. Under a synthetic GIC, the        
contractholder owns the underlying assets. The Company guarantees a rate of     
return on those assets for a premium. Synthetic GICs are not designated as      
hedging instruments.                                                            

Foreign Currency Exchange Rate Derivatives                                      

The Company uses foreign currency exchange rate derivatives, including      
foreign currency swaps and foreign currency forwards, to reduce the risk from   
fluctuations in foreign currency exchange rates associated with its assets and  
liabilities denominated in foreign currencies.                                  

 In a foreign currency swap transaction, the Company agrees with another party
to exchange, at specified intervals, the difference between one currency and    
another at a fixed exchange rate, generally set at inception, calculated by     
reference to an agreed upon notional amount. The notional amount of each        
currency is exchanged at the inception and termination of the currency swap by  
each party. The Company utilizes foreign currency swaps in fair value, cash     
flow and nonqualifying hedging relationships.                                   

In a foreign currency forward transaction, the Company agrees with another  
party to deliver a specified amount of an identified currency at a specified    
future date. The price is agreed upon at the time of the contract and payment   
for such a contract is made at the specified future date. The Company utilizes  
foreign currency forwards in nonqualifying hedging relationships.               

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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Credit Derivatives                                                              

The Company enters into purchased credit default swaps to hedge against     
credit-related changes in the value of its investments. In a credit default     
swap transaction, the Company agrees with another party to pay, at specified    
intervals, a premium to hedge credit risk. If a credit event occurs, as defined 
by the contract, the contract may be cash settled or it may be settled gross by 
the delivery of par quantities of the referenced investment equal to the        
specified swap notional amount in exchange for the payment of cash amounts by   
the counterparty equal to the par value of the investment surrendered. Credit   
events vary by type of issuer but typically include bankruptcy, failure to pay  
debt obligations and involuntary restructuring for corporate obligors, as well  
as repudiation, moratorium or governmental intervention for sovereign obligors. 
In each case, payout on a credit default swap is triggered only after the       
Credit Derivatives Determinations Committee of the International Swaps and      
Derivatives Association, Inc. ("ISDA") deems that a credit event has occurred.  
The Company utilizes credit default swaps in nonqualifying hedging              
relationships.                                                                  

The Company enters into written credit default swaps to synthetically create
credit investments that are either more expensive to acquire or otherwise       
unavailable in the cash markets. These transactions are a combination of a      
derivative and one or more cash instruments, such as U.S. government and        
agency, or other fixed maturity securities AFS. These credit default swaps are  
not designated as hedging instruments.                                          

The Company also entered into certain purchased and written credit default  
swaps held in relation to trading portfolios for the purpose of generating      
profits on short-term differences in price. These credit default swaps were not 
designated as hedging instruments. As of December 31, 2016, the Company no      
longer maintained a trading portfolio for derivatives.                          

The Company enters into forwards to lock in the price to be paid for forward
purchases of certain securities. The price is agreed upon at the time of the    
contract and payment for the contract is made at a specified future date. When  
the primary purpose of entering into these transactions is to hedge against the 
risk of changes in purchase price due to changes in credit spreads, the Company 
designates these transactions as credit forwards. The Company utilizes credit   
forwards in cash flow hedging relationships.                                    

Equity Derivatives                                                              

The Company uses a variety of equity derivatives to reduce its exposure to  
equity market risk, including equity index options, equity variance swaps,      
exchange-traded equity futures and equity total return swaps.                   

Equity index options are used by the Company primarily to hedge minimum     
guarantees embedded in certain variable annuity products offered by the         
Company. To hedge against adverse changes in equity indices, the Company enters 
into contracts to sell the underlying equity index within a limited time at a   
contracted price. The contracts will be net settled in cash based on            
differentials in the indices at the time of exercise and the strike price.      
Certain of these contracts may also contain settlement provisions linked to     
interest rates. In certain instances, the Company may enter into a combination  
of transactions to hedge adverse changes in equity indices within a             
pre-determined range through the purchase and sale of options. The Company      
utilizes equity index options in nonqualifying hedging relationships.           

Equity variance swaps are used by the Company primarily to hedge minimum    
guarantees embedded in certain variable annuity products offered by the         
Company. In an equity variance swap, the Company agrees with another party to   
exchange amounts in the future, based on changes in equity volatility over a    
defined period. The Company utilizes equity variance swaps in nonqualifying     
hedging relationships.                                                          

In exchange-traded equity futures transactions, the Company agrees to       
purchase or sell a specified number of contracts, the value of which is         
determined by the different classes of equity securities, to post variation     
margin on a daily basis in an amount equal to the difference in the daily       
market values of those contracts and to pledge initial margin based on futures  
exchange requirements. The Company enters into exchange-traded futures with     
regulated futures commission merchants that are members of the exchange.        
Exchange-traded equity futures are used primarily to hedge minimum guarantees   
embedded in certain variable annuity products offered by the Company. The       
Company utilizes exchange-traded equity futures in nonqualifying hedging        
relationships.                                                                  

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

In an equity total return swap, the Company agrees with another party to    
exchange, at specified intervals, the difference between the economic risk and  
reward of an asset or a market index and a benchmark interest rate, calculated  
by reference to an agreed notional amount. No cash is exchanged at the outset   
of the contract. Cash is paid and received over the life of the contract based  
on the terms of the swap. The Company uses equity total return swaps to hedge   
its equity market guarantees in certain of its insurance products. Equity total 
return swaps can be used as hedges or to synthetically create investments. The  
Company utilizes equity total return swaps in nonqualifying hedging             
relationships.                                                                  

Primary Risks Managed by Derivatives                                            

The following table presents the primary underlying risk exposure, gross  
notional amount and estimated fair value of the Company's derivatives,          
excluding embedded derivatives, held at:                                        

                                                        [Enlarge/Download Table]

                                                                                        December 31,                            
                                                            --------------------------------------------------------------------
                                                                          2018                               2017               
                                                            --------------------------------- ----------------------------------
                                                                        Estimated Fair Value               Estimated Fair Value 
                                                                       ----------------------             ----------------------
                                                              Gross                             Gross                           
                                                             Notional                          Notional                         
                          Primary Underlying Risk Exposure    Amount    Assets    Liabilities   Amount     Assets    Liabilities
                          --------------------------------  ---------- --------- ------------ ----------- --------- ------------
                                                                                       (In millions)                            
                                                                                                                                
Derivatives Designated as Hedging Instruments:                                                                                  
Fair value hedges:                                                                                                              
Interest rate swaps...... Interest rate                      $   2,446  $  2,197   $       2   $    3,826  $  2,289   $       3 
Foreign currency swaps... Foreign currency exchange rate         1,191        49          --        1,082        47          17 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
 Subtotal................                                        3,637     2,246           2        4,908     2,336          20 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
Cash flow hedges:                                                                                                               
Interest rate swaps...... Interest rate                          3,181       139           1        3,337       234          -- 
Interest rate forwards... Interest rate                          3,023        --         216        3,333        --         127 
Foreign currency swaps... Foreign currency exchange rate        26,239     1,218       1,318       22,287       795       1,078 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
 Subtotal................                                       32,443     1,357       1,535       28,957     1,029       1,205 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
 Total qualifying hedges.                                       36,080     3,603       1,537       33,865     3,365       1,225 
                                                            ---------- ---------  ----------  ----------- ---------  ---------- 
Derivatives Not Designated or Not Qualifying as Hedging Instruments:                                                            
Interest rate swaps...... Interest rate                         36,238     1,507          85       43,028     1,722         336 
Interest rate floors..... Interest rate                         12,701       102          --        7,201        91          -- 
Interest rate caps....... Interest rate                         54,576       154           1       53,079        78           2 
Interest rate futures.... Interest rate                            794        --           1        2,257         1           2 
Interest rate options.... Interest rate                         24,340       185          --        7,525       142          11 
Interest rate total                                                                                                             
 return swaps............ Interest rate                          1,048        33           2        1,048         8           2 
Synthetic GICs........... Interest rate                         18,006        --          --       11,318        --          -- 
Foreign currency swaps... Foreign currency exchange rate         5,986       700          79        6,739       547         164 
Foreign currency forwards Foreign currency exchange rate           943        15          14          961        16           7 
Credit default swaps --                                                                                                         
 purchased............... Credit                                   858        24           4          980         7           8 
Credit default swaps --                                                                                                         
 written................. Credit                                 7,864        67          13        7,874       181          -- 
Equity futures........... Equity market                          1,006         1           6        1,282         5           1 
Equity index options..... Equity market                         23,162       706         396       14,408       384         476 
Equity variance swaps.... Equity market                          1,946        32          81        3,530        45         169 
Equity total return swaps Equity market                            886        89          --        1,077        --          39 
                                                            ---------- ---------  ----------  ---------------------  ---------- 
 Total non-designated or nonqualifying derivatives........     190,354     3,615         682      162,307     3,227       1,217 
                                                            ---------- ---------  ----------  ---------------------  ---------- 
 Total....................................................   $ 226,434  $  7,218   $   2,219   $  196,172  $  6,592   $   2,442 
                                                            ========== =========  ==========  =========== =========  ========== 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Based on gross notional amounts, a substantial portion of the Company's   
derivatives was not designated or did not qualify as part of a hedging          
relationship at both December 31, 2018 and 2017. The Company's use of           
derivatives includes (i) derivatives that serve as macro hedges of the          
Company's exposure to various risks and that generally do not qualify for hedge 
accounting due to the criteria required under the portfolio hedging rules;      
(ii) derivatives that economically hedge insurance liabilities that contain     
mortality or morbidity risk and that generally do not qualify for hedge         
accounting because the lack of these risks in the derivatives cannot support an 
expectation of a highly effective hedging relationship; (iii) derivatives that  
economically hedge embedded derivatives that do not qualify for hedge           
accounting because the changes in estimated fair value of the embedded          
derivatives are already recorded in net income; and (iv) written credit default 
swaps and interest rate swaps that are used to synthetically create investments 
and that do not qualify for hedge accounting because they do not involve a      
hedging relationship. For these nonqualified derivatives, changes in market     
factors can lead to the recognition of fair value changes on the statement of   
operations without an offsetting gain or loss recognized in earnings for the    
item being hedged.                                                              

Net Derivative Gains (Losses)                                                   

The components of net derivative gains (losses) were as follows:          

                                                        [Enlarge/Download Table]

                                                               Years Ended December 31,       
                                                        --------------------------------------
                                                           2018        2017          2016     
                                                        ---------- ------------  -------------
                                                                    (In millions)             
                                                                                              
Freestanding derivative and hedging gains (losses) (1).  $     390  $      (771)  $      (715)
Embedded derivative gains (losses).....................        376          427          (423)
                                                        ---------- ------------  -------------
  Total net derivative gains (losses)..................  $     766  $     (344)   $    (1,138)
                                                        ========== ============  =============

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

(1)Includes foreign currency transaction gains (losses) on hedged items in cash 
flow and nonqualifying hedging relationships, which are not presented     
elsewhere in this note.                                                   

The following table presents earned income on derivatives:                

                                                        [Enlarge/Download Table]

                                                           Years Ended December 31,        
                                                    -------------------------------------- 
                                                       2018         2017          2016     
                                                    ----------- ------------  ------------ 
                                                                 (In millions)             
                                                                                           
Qualifying hedges:                                                                         
Net investment income..............................  $      371  $       302   $       280 
Interest credited to policyholder account balances.       (113)          (64)           (1)
Nonqualifying hedges:                                                                      
Net investment income..............................          --           --            (1)
Net derivative gains (losses)......................         339          406           577 
Policyholder benefits and claims...................           8            5             4 
                                                    ----------- ------------  ------------ 
  Total............................................  $      605  $       649   $       859 
                                                    =========== ============  ============ 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Nonqualifying Derivatives and Derivatives for Purposes Other Than Hedging       

The following table presents the amount and location of gains (losses)    
recognized in income for derivatives that were not designated or not qualifying 
as hedging instruments:                                                         

                                                                [Download Table]

                                              Net          Net      Policyholder
                                           Derivative   Investment  Benefits and
                                         Gains (Losses) Income (1)   Claims (2) 
                                         -------------- ----------  ------------
                                                      (In millions)             
                                                                                
Year Ended December 31, 2018                                                    
Interest rate derivatives...............  $      (340)  $        4  $        -- 
Foreign currency exchange rate                                                  
 derivatives............................          429           --           -- 
Credit derivatives -- purchased.........            9           --           -- 
Credit derivatives -- written...........          (90)          --           -- 
Equity derivatives......................          166            1           45 
                                         -------------- ----------  ------------
 Total..................................  $       174   $        5  $        45 
                                         ============== ==========  ============
Year Ended December 31, 2017                                                    
Interest rate derivatives...............  $      (343)  $        1  $        -- 
Foreign currency exchange rate                                                  
 derivatives............................         (746)          --           -- 
Credit derivatives -- purchased.........          (16)          --           -- 
Credit derivatives -- written...........          102           --           -- 
Equity derivatives......................         (536)          (6)        (216)
                                         -------------- ----------  ------------
 Total..................................  $    (1,539)  $       (5) $      (216)
                                         ============== ==========  ============
Year Ended December 31, 2016                                                    
Interest rate derivatives...............  $    (1,088)  $       --  $        -- 
Foreign currency exchange rate                                                  
 derivatives............................          726           --           -- 
Credit derivatives -- purchased.........          (23)          --           -- 
Credit derivatives -- written...........           48           --           -- 
Equity derivatives......................         (457)         (14)         (94)
                                         -------------- ----------  ------------
 Total..................................  $      (794)  $      (14) $       (94)
                                         ============== ==========  ============

-------------                                                                   
(1)Changes in estimated fair value related to economic hedges of equity method  
investments in joint ventures and derivatives held in relation to trading 
portfolios. As of December 31, 2016, the Company no longer maintained a   
trading portfolio for derivatives.                                        

(2)Changes in estimated fair value related to economic hedges of variable       
annuity guarantees included in future policy benefits.                    

Fair Value Hedges                                                               

The Company designates and accounts for the following as fair value hedges
when they have met the requirements of fair value hedging: (i) interest rate    
swaps to convert fixed rate assets and liabilities to floating rate assets and  
liabilities; and (ii) foreign currency swaps to hedge the foreign currency fair 
value exposure of foreign currency denominated assets and liabilities.          

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The Company recognizes gains and losses on derivatives and the related    
hedged items in fair value hedges within net derivative gains (losses). The     
following table presents the amount of such net derivative gains (losses):      

                                                        [Enlarge/Download Table]

                                                                               Net Derivative   Net Derivative Ineffectiveness 
                                                                               Gains (Losses)   Gains (Losses)  Recognized in  
Derivatives in Fair Value              Hedged Items in Fair Value                Recognized     Recognized for  Net Derivative 
Hedging Relationships                    Hedging Relationships                  for Derivatives   Hedged Items   Gains (Losses)
-------------------------  -------------------------------------------------- ----------------- -------------- ----------------
                                                                                                (In millions)                  
                                                                                                                               
Year Ended December 31, 2018                                                                                                   
Interest rate swaps:       Fixed maturity securities AFS.....................            $    1          $ (1)            $  --
                           Policyholder liabilities (1)......................             (221)            227                6
Foreign currency swaps:    Foreign-denominated fixed maturity securities AFS                                                   
                            and mortgage loans...............................                52           (55)              (3)
                           Foreign-denominated policyholder account                                                            
                            balances (2).....................................                23           (23)               --
                                                                              ----------------- -------------- ----------------
  Total....................................................................              $(145)          $ 148            $   3
                                                                              ================= ============== ================
Year Ended December 31, 2017                                                                                                   
Interest rate swaps:       Fixed maturity securities AFS.....................            $    4          $ (5)            $ (1)
                           Policyholder liabilities (1)......................              (69)            134               65
Foreign currency swaps:    Foreign-denominated fixed maturity securities                                                       
                            AFS..............................................              (24)             27                3
                           Foreign-denominated policyholder account                                                            
                            balances (2).....................................                65           (43)               22
                                                                              ----------------- -------------- ----------------
  Total....................................................................              $ (24)          $ 113            $  89
                                                                              ================= ============== ================
Year Ended December 31, 2016                                                                                                   
Interest rate swaps:       Fixed maturity securities AFS.....................            $    8          $ (9)            $ (1)
                           Policyholder liabilities (1)......................             (109)             90             (19)
Foreign currency swaps:    Foreign-denominated fixed maturity securities                                                       
                            AFS..............................................                10            (9)                1
                           Foreign-denominated policyholder account                                                            
                            balances (2).....................................              (95)             92              (3)
                                                                              ----------------- -------------- ----------------
  Total....................................................................              $(186)          $ 164            $(22)
                                                                              ================= ============== ================

-------------                                                                   
(1)Fixed rate liabilities reported in policyholder account balances or future   
policy benefits.                                                          

(2)Fixed rate or floating rate liabilities.                                     

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

Cash Flow Hedges                                                                

The Company designates and accounts for the following as cash flow hedges   
when they have met the requirements of cash flow hedging: (i) interest rate     
swaps to convert floating rate assets and liabilities to fixed rate assets and  
liabilities; (ii) foreign currency swaps to hedge the foreign currency cash     
flow exposure of foreign currency denominated assets and liabilities;           
(iii) interest rate forwards and credit forwards to lock in the price to be     
paid for forward purchases of investments; and (iv) interest rate swaps and     
interest rate forwards to hedge the forecasted purchases of fixed rate          
investments.                                                                    

In certain instances, the Company discontinued cash flow hedge accounting   
because the forecasted transactions were no longer probable of occurring.       
Because certain of the forecasted transactions also were not probable of        
occurring within two months of the anticipated date, the Company reclassified   
amounts from AOCI into net derivative gains (losses). These amounts were $0,    
$20 million and $17 million for the years ended December 31, 2018, 2017 and     
2016, respectively.                                                             

At December 31, 2018 and 2017, 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 four years and five years, respectively. 

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

At December 31, 2018 and 2017, the balance in AOCI associated with cash flow
hedges was $1.7 billion and $1.4 billion, respectively.                         

  The following table presents the effects of derivatives in cash flow hedging
relationships on the consolidated statements of operations, consolidated        
statements of comprehensive income (loss) and the consolidated statements of    
equity:                                                                         

                                                        [Enlarge/Download Table]

                                                       Amount and Location        Amount and Location  
                             Amount of Gains            of Gains (Losses)          of Gains (Losses)   
Derivatives in Cash Flow   (Losses) Deferred in         Reclassified from        Recognized in Income  
Hedging Relationships      AOCI on Derivatives       AOCI into Income (Loss)     (Loss) on Derivatives 
------------------------  ---------------------  ------------------------------  --------------------- 
                           (Effective Portion)         (Effective Portion)       (Ineffective Portion) 
-                         ---------------------  ------------------------------  --------------------- 
                                                 Net Derivative  Net Investment     Net Derivative     
                                                 Gains (Losses)      Income         Gains (Losses)     
                                                 --------------  --------------  --------------------- 
                                                          (In millions)                                
                                                                                                       
Year Ended December 31, 2018                                                                           
Interest rate swaps......  $               (148)  $          23   $          18     $                2 
Interest rate forwards...                  (114)             (1)              2                     -- 
Foreign currency swaps...                   180            (469)             (3)                     5 
Credit forwards..........                    --               1               1                     -- 
                          ---------------------  --------------  --------------  --------------------- 
  Total..................  $                (82)  $        (446)  $          18     $                7 
                          =====================  ==============  ==============  ===================== 
Year Ended December 31, 2017                                                                           
Interest rate swaps......  $                 73   $          24   $          16     $               18 
Interest rate forwards...                   210             (11)              2                     (2)
Foreign currency swaps...                  (161)            938              (1)                    -- 
Credit forwards..........                    --               1               1                     -- 
                          ---------------------  --------------  --------------  --------------------- 
  Total..................  $                122   $         952   $          18     $               16 
                          =====================  ==============  ==============  ===================== 
Year Ended December 31, 2016                                                                           
Interest rate swaps......  $                 58   $          57   $          12     $               -- 
Interest rate forwards...                  (366)             (1)              3                     -- 
Foreign currency swaps...                   167            (251)             (1)                    -- 
Credit forwards..........                    --               3               1                     -- 
                          ---------------------  --------------  --------------  --------------------- 
  Total..................  $               (141)  $        (192)  $          15     $               -- 
                          =====================  ==============  ==============  ===================== 

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

At December 31, 2018, the Company expected to reclassify $109 million of    
deferred net gains (losses) on derivatives in AOCI, included in the table       
above, to earnings within the next 12 months.                                   

Credit Derivatives                                                              

In connection with synthetically created credit investment transactions, the
Company writes credit default swaps for which it receives a premium to insure   
credit risk. Such credit derivatives are included within the nonqualifying      
derivatives and derivatives for purposes other than hedging table. If a credit  
event occurs, as defined by the contract, the contract may be cash settled or   
it may be settled gross by the Company paying the counterparty the specified    
swap notional amount in exchange for the delivery of par quantities of the      
referenced credit obligation. The Company's maximum amount at risk, assuming    
the value of all referenced credit obligations is zero, was $7.9 billion at     
both December 31, 2018 and 2017. The Company can terminate these contracts at   
any time through cash settlement with the counterparty at an amount equal to    
the then current estimated fair value of the credit default swaps. At           
December 31, 2018 and 2017, the Company would have received $54 million and     
$181 million, respectively, to terminate all of these contracts.                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The following table presents the estimated fair value, maximum amount of  
future payments and weighted average years to maturity of written credit        
default swaps at:                                                               

                                                        [Enlarge/Download Table]

                                                                          December 31,                                 
                                          -----------------------------------------------------------------------------
                                                           2018                                   2017                 
                                          -------------------------------------- --------------------------------------
                                                        Maximum                                Maximum                 
                                          Estimated      Amount                  Estimated      Amount                 
                                          Fair Value   of Future      Weighted   Fair Value   of Future      Weighted  
                                          of Credit  Payments under   Average    of Credit  Payments under   Average   
Rating Agency Designation of Referenced    Default   Credit Default   Years to    Default   Credit Default   Years to  
Credit Obligations (1)                      Swaps        Swaps      Maturity (2)   Swaps        Swaps      Maturity (2)
----------------------------------------- ---------- -------------- ------------ ---------- -------------- ------------
                                                                      (Dollars in millions)                            
                                                                                                                       
Aaa/Aa/A                                                                                                               
Single name credit default swaps (3).....  $      2   $        154           2.0   $     3   $        159           2.8
Credit default swaps referencing indices.        27          2,079           2.5        42          2,193           2.7
                                          ---------   ------------                --------  -------------              
  Subtotal...............................        29          2,233           2.5        45          2,352           2.7
                                          ---------   ------------                --------  -------------              
Baa                                                                                                                    
Single name credit default swaps (3).....         1            277           1.6         4            416           1.5
Credit default swaps referencing indices.        20          5,124           5.2       111          4,761           5.2
                                          ---------   ------------                --------  -------------              
  Subtotal...............................        21          5,401           5.0       115          5,177           4.9
                                          ---------   ------------                --------  -------------              
Ba                                                                                                                     
Single name credit default swaps (3).....        --             10           1.5         1            105           3.4
Credit default swaps referencing indices.        --             --            --        --             --            --
                                          ---------   ------------                --------  -------------              
  Subtotal...............................        --             10           1.5         1            105           3.4
                                          ---------   ------------                --------  -------------              
B                                                                                                                      
Single name credit default swaps (3).....        --             --            --         2             20           3.5
Credit default swaps referencing indices.         4            220           5.0        18            220           5.0
                                          ---------   ------------                --------  -------------              
  Subtotal...............................         4            220           5.0        20            240           4.9
                                          ---------   ------------                --------  -------------              
  Total..................................  $     54   $      7,864           4.3   $   181   $      7,874           4.2
                                          =========   ============                ========  =============              

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

(1)The rating agency designations are based on availability and the midpoint of 
 the applicable ratings among Moody's Investors Service ("Moody's"), S&P and
Fitch Ratings. If no rating is available from a rating agency, then an    
internally developed rating is used.                                      

(2)The weighted average years to maturity of the credit default swaps is        
calculated based on weighted average gross notional amounts.              

(3)Single name credit default swaps may be referenced to the credit of          
corporations, foreign governments, or state and political subdivisions.   

The Company has also entered into credit default swaps to purchase credit   
protection on certain of the referenced credit obligations in the table above.  
As a result, the maximum amounts of potential future recoveries available to    
offset the $7.9 billion of future payments under credit default provisions at   
both December 31, 2018 and 2017 set forth in the table above were $16 million   
and $27 million at December 31, 2018 and 2017, respectively.                    

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

Credit Risk on Freestanding Derivatives                                         

The Company may be exposed to credit-related losses in the event of         
nonperformance by its counterparties to derivatives. Generally, the current     
credit exposure of the Company's derivatives is limited to the net positive     
estimated fair value of derivatives at the reporting date after taking into     
consideration the existence of master netting or similar agreements and any     
collateral received pursuant to such agreements.                                

The Company manages its credit risk related to derivatives by entering into 
transactions with creditworthy counterparties and establishing and monitoring   
exposure limits. The Company's OTC-bilateral derivative transactions are        
governed by ISDA Master Agreements which provide for legally enforceable        
set-off and close-out netting of exposures to specific counterparties in the    
event of early termination of a transaction, which includes, but is not limited 
to, events of default and bankruptcy. In the event of an early termination, the 
Company is permitted to set off receivables from the counterparty against       
payables to the same counterparty arising out of all included transactions.     
Substantially all of the Company's ISDA Master Agreements also include Credit   
Support Annex provisions which require both the pledging and accepting of       
collateral in connection with its OTC-bilateral derivatives.                    

The Company's OTC-cleared derivatives are effected through central clearing 
counterparties and its exchange-traded derivatives are effected through         
regulated exchanges. Such positions are marked to market and margined on a      
daily basis (both initial margin and variation margin), and the Company has     
minimal exposure to credit-related losses in the event of nonperformance by     
counterparties to such derivatives.                                             

See Note 10 for a description of the impact of credit risk on the valuation 
of derivatives.                                                                 

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The estimated fair values of the Company's net derivative assets and net  
derivative liabilities after the application of master netting agreements and   
collateral were as follows at:                                                  

                                                        [Enlarge/Download Table]

                                                                                                 December 31,                   
                                                                              --------------------------------------------------
                                                                                        2018                      2017          
                                                                              ------------------------  ------------------------
Derivatives Subject to a Master Netting Arrangement or a Similar Arrangement     Assets    Liabilities     Assets    Liabilities
----------------------------------------------------------------------------  -----------  -----------  -----------  -----------
                                                                                                (In millions)                   
                                                                                                                                
Gross estimated fair value of derivatives:                                                                                      
OTC-bilateral (1)............................................................  $    7,255   $    2,166   $    6,478   $    2,203
OTC-cleared (1), (6).........................................................          52           24          168          216
Exchange-traded..............................................................           1            7            6            3
                                                                              -----------  -----------  -----------  -----------
  Total gross estimated fair value of derivatives (1)........................       7,308        2,197        6,652        2,422
Amounts offset on the consolidated balance sheets............................          --           --           --           --
                                                                              -----------  -----------  -----------  -----------
  Estimated fair value of derivatives presented on the consolidated balance                                                     
   sheets (1), (6)...........................................................       7,308        2,197        6,652        2,422
Gross amounts not offset on the consolidated balance sheets:                                                                    
Gross estimated fair value of derivatives: (2)                                                                                  
OTC-bilateral................................................................      (1,988)      (1,988)      (1,891)     (1,891)
OTC-cleared..................................................................         (20)         (20)         (31)        (31)
Exchange-traded..............................................................          --           --           --           --
Cash collateral: (3), (4)                                                                                                       
OTC-bilateral................................................................      (4,000)          --       (3,448)          --
OTC-cleared..................................................................         (26)          --         (131)       (179)
Exchange-traded..............................................................          --           --           --           --
Securities collateral: (5)                                                                                                      
OTC-bilateral................................................................      (1,136)        (178)        (954)       (312)
OTC-cleared..................................................................          --           (4)          --          (6)
Exchange-traded..............................................................          --           (7)          --          (3)
                                                                              -----------  -----------  -----------  -----------
  Net amount after application of master netting agreements and                                                                 
   collateral................................................................  $      138   $       --   $      197   $       --
                                                                              ===========  ===========  ===========  ===========

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

(1)At December 31, 2018 and 2017, derivative assets included income or          
(expense) accruals reported in accrued investment income or in other      
liabilities of $90 million and $60 million, respectively, and derivative  
liabilities included (income) or expense accruals reported in accrued     
investment income or in other liabilities of ($22) million and ($20)      
million, respectively.                                                    

(2)Estimated fair value of derivatives is limited to the amount that is subject 
to set-off and includes income or expense accruals.                       

(3)Cash collateral received by the Company for OTC-bilateral and OTC-cleared    
  derivatives is included in cash and cash equivalents, short-term investments
or in fixed maturity securities AFS, and the obligation to return it is   
included in payables for collateral under securities loaned and other     
transactions on the balance sheet.                                        

(4) The receivable for the return of cash collateral provided by the Company is 
  inclusive of initial margin on exchange-traded and OTC-cleared derivatives
and is included in premiums, reinsurance and other receivables on the   
 balance sheet. The amount of cash collateral offset in the table above is
   limited to the net estimated fair value of derivatives after application of
netting agreements. At December 31, 2018 and 2017, the Company received 
 excess cash collateral of $95 million and $122 million, respectively, and
   provided excess cash collateral of $1 million and $9 million, respectively,
 which is not included in the table above due to the foregoing limitation.

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

(5)Securities collateral received by the Company is held in separate custodial  
accounts and is not recorded on the balance sheet. Subject to certain     
 constraints, the Company is permitted by contract to sell or re-pledge this
collateral, but at December 31, 2018, none of the collateral had been sold
or re-pledged. Securities collateral pledged by the Company is reported in
fixed maturity securities AFS on the balance sheet. Subject to certain    
constraints, the counterparties are permitted by contract to sell or      
  re-pledge this collateral. The amount of securities collateral offset in the
 table above is limited to the net estimated fair value of derivatives after
 application of netting agreements and cash collateral. At December 31, 2018
and 2017, the Company received excess securities collateral with an       
estimated fair value of $28 million and $30 million, respectively, for its
 OTC-bilateral derivatives, which are not included in the table above due to
the foregoing limitation. At December 31, 2018 and 2017, the Company      
provided excess securities collateral with an estimated fair value of     
$94 million and $152 million, respectively, for its OTC-bilateral         
derivatives, and $231 million and $299 million, respectively, for its     
 OTC-cleared derivatives, and $52 million and $50 million, respectively, for
its exchange-traded derivatives, which are not included in the table above
due to the foregoing limitation.                                          

(6)Effective January 16, 2018, the LCH amended its rulebook, resulting in the   
characterization of variation margin transfers as settlement payments, as 
opposed to adjustments to collateral. Effective January 3, 2017, the CME  
 amended its rulebook, resulting in the characterization of variation margin
transfers as settlement payments, as opposed to adjustments to collateral.
See Note 1 for further information on the LCH and CME amendments.         

The Company's collateral arrangements for its OTC-bilateral derivatives     
require the counterparty in a net liability position, after considering the     
effect of netting agreements, to pledge collateral when the collateral amount   
owed by that counterparty reaches a minimum transfer amount. All of the         
Company's netting agreements for derivatives contain provisions that require    
both Metropolitan Life Insurance Company and the counterparty to maintain a     
specific investment grade financial strength or credit rating from each of      
Moody's and S&P. If a party's financial strength or credit ratings were to fall 
below that specific investment grade financial strength or credit rating, that  
party would be in violation of these provisions, and the other party to the     
derivatives could terminate the transactions and demand immediate settlement    
and payment based on such party's reasonable valuation of the derivatives.      

The following table presents the estimated fair value of the Company's    
OTC-bilateral derivatives that were in a net liability position after           
considering the effect of netting agreements, together with the estimated fair  
value and balance sheet location of the collateral pledged. OTC-bilateral       
derivatives that are not subject to collateral agreements are excluded from     
this table.                                                                     

                                                        [Enlarge/Download Table]

                                                                                  December 31,                           
                                                        -----------------------------------------------------------------
                                                                      2018                             2017              
                                                        -------------------------------- --------------------------------
                                                        Derivatives Derivatives          Derivatives Derivatives         
                                                        Subject to  Not Subject          Subject to  Not Subject         
                                                         Financial  to Financial          Financial  to Financial        
                                                         Strength-   Strength-            Strength-   Strength-          
                                                        Contingent   Contingent          Contingent   Contingent         
                                                        Provisions   Provisions   Total  Provisions   Provisions   Total 
                                                        ----------- ------------ ------- ----------- ------------ -------
                                                                                  (In millions)                          
                                                                                                                         
Estimated Fair Value of Derivatives in a Net Liability                                                                   
 Position (1)..........................................  $    178      $   --    $   178   $   313      $   --    $   313
Estimated Fair Value of Collateral Provided:                                                                             
Fixed maturity securities AFS..........................  $    187      $   --    $   187   $   399      $   --    $   399
Cash...................................................  $      1      $   --    $     1   $    --      $   --    $    --

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

(1)After taking into consideration the existence of netting agreements.         

Embedded Derivatives                                                            

The Company issues certain products or purchases certain investments that 
contain embedded derivatives that are required to be separated from their host  
contracts and accounted for as freestanding derivatives. These host contracts   
principally include: variable annuities with guaranteed minimum benefits,       
including GMWBs, GMABs and certain GMIBs; affiliated ceded reinsurance of       
guaranteed minimum benefits related to GMWBs, GMABs and certain GMIBs;          
affiliated assumed reinsurance of guaranteed minimum benefits related to GMWBs, 
GMABs, and certain GMIBs; funds withheld on ceded reinsurance and affiliated    
funds withheld on ceded reinsurance; fixed annuities with equity indexed        
returns; and certain debt and equity securities.                                

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Notes to the Consolidated Financial Statements -- (continued) 

9. Derivatives (continued)                                                      

The following table presents the estimated fair value and balance sheet   
location of the Company's embedded derivatives that have been separated from    
their host contracts at:                                                        

                                                        [Enlarge/Download Table]

                                                                                         December 31,    
                                                                                      ------------------ 
                                                          Balance Sheet Location        2018      2017   
                                                       ------------------------------ -------- --------- 
                                                                                         (In millions)   
                                                                                                         
Embedded derivatives within asset host contracts:                                                        
Options embedded in debt or equity securities (1)..... Investments...................       --      (113)
                                                                                      -------- --------- 
  Embedded derivatives within asset host contracts.................................    $    --   $  (113)
                                                                                      ======== ========= 
Embedded derivatives within liability host contracts:                                                    
Direct guaranteed minimum benefits.................... Policyholder account balances.  $   178   $   (94)
Assumed guaranteed minimum benefits................... Policyholder account balances.        3         3 
Funds withheld on ceded reinsurance................... Other liabilities.............      465       898 
Fixed annuities with equity indexed returns........... Policyholder account balances.       58        69 
                                                                                      -------- --------- 
  Embedded derivatives within liability host contracts.............................    $   704   $   876 
                                                                                      ======== ========= 

--------                                                                        

(1)Effective January 1, 2018, in connection with the adoption of new guidance   
related to the recognition and measurement of financial instruments, the  
Company was no longer required to bifurcate and account separately for    
  derivatives embedded in equity securities (see Note 1). Beginning January 1,
2018, the change in fair value of equity securities was recognized as a   
component of net investment gains and losses.                             

The following table presents changes in estimated fair value related to   
embedded derivatives:                                                           

                                                                [Download Table]

                                                Years Ended December 31,        
                                        -----------------------------------     
                                            2018         2017          2016     
                                        ------------ ------------ ---------     
                                                     (In millions)              
                                                                                
Net derivative gains (losses) (1), (2). $        376 $        427 $        (423)

--------                                                                        

(1)The valuation of direct and assumed guaranteed minimum benefits includes a   
  nonperformance risk adjustment. The amounts included in net derivative gains
 (losses) in connection with this adjustment were $51 million, ($65) million
and $76 million for the years ended December 31, 2018, 2017 and 2016,     
respectively. In addition, the valuation of ceded guaranteed minimum      
 benefits includes a nonperformance risk adjustment. The amounts included in
net derivative gains (losses) in connection with this adjustment were $0, 
less than $1 million, and ($29) million for the years ended December 31,  
2018, 2017 and 2016, respectively.                                        

(2)See Note 6 for discussion of affiliated net derivative gains (losses).       

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value                                                                  

When developing estimated fair values, the Company considers three broad  
valuation approaches: (i) the market approach, (ii) the income approach, and    
(iii) the cost approach. The Company determines the most appropriate valuation  
approach to use, given what is being measured and the availability of           
sufficient inputs, giving priority to observable inputs. The Company            
categorizes its assets and liabilities measured at estimated fair value into a  
three-level hierarchy, based on the significant input with the lowest level in  
its valuation. The input levels are as follows:                                 

Level 1  Unadjusted quoted prices in active markets for identical assets or     
  liabilities. The Company defines active markets based on average
      trading volume for equity securities. The size of the bid/ask spread
is used as an indicator of market activity for fixed maturity 
securities AFS.                                               

Level 2  Quoted prices in markets that are not active or inputs that are        
    observable either directly or indirectly. These inputs can include
   quoted prices for similar assets or liabilities other than quoted
     prices in Level 1, quoted prices in markets that are not active, or
other significant inputs that are observable or can be derived
principally from or corroborated by observable market data for
substantially the full term of the assets or liabilities.     

Level 3  Unobservable inputs that are supported by little or no market          
     activity and are significant to the determination of estimated fair
     value of the assets or liabilities. Unobservable inputs reflect the
      reporting entity's own assumptions about the assumptions that market
participants would use in pricing the asset or liability.     

Financial markets are susceptible to severe events evidenced by rapid     
depreciation in asset values accompanied by a reduction in asset liquidity. The 
Company's ability to sell securities, as well as the price ultimately realized  
for these securities, depends upon the demand and liquidity in the market and   
increases the use of judgment in determining the estimated fair value of        
certain securities.                                                             

Considerable judgment is often required in interpreting market data to    
develop estimates of fair value, and the use of different assumptions or        
valuation methodologies may have a material effect on the estimated fair value  
amounts.                                                                        

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

Recurring Fair Value Measurements                                               

The assets and liabilities measured at estimated fair value on a recurring
basis and their corresponding placement in the fair value hierarchy, including  
those items for which the Company has elected the FVO, are presented below at:  

                                                        [Enlarge/Download Table]

                                                                                    December 31, 2018                          
                                                          ---------------------------------------------------------------------
                                                                         Fair Value Hierarchy                                  
                                                          ---------------------------------------------------                  
                                                                                                                   Total       
                                                                                                                 Estimated     
                                                              Level 1           Level 2          Level 3         Fair Value    
                                                          ---------------- ----------------- ---------------- -----------------
                                                                                      (In millions)                            
                                                                                                                               
Assets                                                                                                                         
Fixed maturity securities AFS:                                                                                                 
U.S. corporate...........................................  $            --  $         51,676  $         3,126  $         54,802
U.S. government and agency...............................           12,310            17,851               --            30,161
Foreign corporate........................................               --            21,988            3,975            25,963
RMBS.....................................................               --            19,719            3,018            22,737
ABS......................................................               --             8,072              455             8,527
Municipals...............................................               --             6,947               --             6,947
CMBS.....................................................               --             5,376               68             5,444
Foreign government.......................................               --             4,482               10             4,492
                                                          ---------------- ----------------- ---------------- -----------------
  Total fixed maturity securities AFS....................           12,310           136,111           10,652           159,073
                                                          ---------------- ----------------- ---------------- -----------------
Equity securities........................................              341                76              356               773
Short-term investments...................................              698               783               25             1,506
Residential mortgage loans -- FVO........................               --                --              299               299
Other investments........................................               --                 1              215               216
Derivative assets: (1)                                                                                                         
Interest rate............................................               --             4,284               33             4,317
Foreign currency exchange rate...........................               --             1,982               --             1,982
Credit...................................................               --                62               29                91
Equity market............................................                1               776               51               828
                                                          ---------------- ----------------- ---------------- -----------------
  Total derivative assets................................                1             7,104              113             7,218
                                                          ---------------- ----------------- ---------------- -----------------
Embedded derivatives within asset host contracts (2).....               --                --               --                --
Separate account assets (3)..............................           20,558            89,348              944           110,850
                                                          ---------------- ----------------- ---------------- -----------------
  Total assets (4).......................................  $        33,908  $        233,423  $        12,604  $        279,935
                                                          ================ ================= ================ =================
Liabilities                                                                                                                    
Derivative liabilities: (1)                                                                                                    
Interest rate............................................  $             1  $             89  $           218  $            308
Foreign currency exchange rate...........................               --             1,410                1             1,411
Credit...................................................               --                13                4                17
Equity market............................................                6               395               82               483
                                                          ---------------- ----------------- ---------------- -----------------
  Total derivative liabilities...........................                7             1,907              305             2,219
                                                          ---------------- ----------------- ---------------- -----------------
Embedded derivatives within liability host contracts (2).               --                --              704               704
Long-term debt...........................................               --                --               --                --
Separate account liabilities (3).........................                1                20                7                28
                                                          ---------------- ----------------- ---------------- -----------------
  Total liabilities......................................  $             8  $          1,927  $         1,016  $          2,951
                                                          ================ ================= ================ =================

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                                                                  December 31, 2017                        
                                                          -----------------------------------------------------------------
                                                                         Fair Value Hierarchy                              
                                                          --------------------------------------------------               
                                                                                                                 Total     
                                                                                                               Estimated   
                                                              Level 1          Level 2          Level 3        Fair Value  
                                                          ---------------- ---------------- ---------------- --------------
                                                                                    (In millions)                          
                                                                                                                           
Assets                                                                                                                     
Fixed maturity securities AFS:                                                                                             
U.S. corporate...........................................  $            --  $        54,629  $         3,461  $      58,090
U.S. government and agency...............................           18,802           19,743               --         38,545
Foreign corporate........................................               --           21,471            4,125         25,596
RMBS.....................................................               --           19,372            3,262         22,634
ABS......................................................               --            7,079              787          7,866
Municipals...............................................               --            7,551               --          7,551
CMBS.....................................................               --            5,461               27          5,488
Foreign government.......................................               --            4,471               31          4,502
                                                          ---------------- ---------------- ---------------- --------------
  Total fixed maturity securities AFS....................           18,802          139,777           11,693        170,272
                                                          ---------------- ---------------- ---------------- --------------
Equity securities........................................              399              893              366          1,658
Short-term investments...................................            2,056            1,092                7          3,155
Residential mortgage loans -- FVO........................               --               --              520            520
Other investments........................................               --               --               --             --
Derivative assets: (1)                                                                                                     
Interest rate............................................                1            4,556                8          4,565
Foreign currency exchange rate...........................               --            1,405               --          1,405
Credit...................................................               --              149               39            188
Equity market............................................                5              363               66            434
                                                          ---------------- ---------------- ---------------- --------------
  Total derivative assets................................                6            6,473              113          6,592
                                                          ---------------- ---------------- ---------------- --------------
Embedded derivatives within asset host contracts (2).....               --               --               --             --
Separate account assets (3)..............................           23,571          106,294              960        130,825
                                                          ---------------- ---------------- ---------------- --------------
  Total assets...........................................  $        44,834  $       254,529  $        13,659  $     313,022
                                                          ================ ================ ================ ==============
Liabilities                                                                                                                
Derivative liabilities: (1)                                                                                                
Interest rate............................................  $             2  $           351  $           130  $         483
Foreign currency exchange rate...........................               --            1,261                5          1,266
Credit...................................................               --                8               --              8
Equity market............................................                1              515              169            685
                                                          ---------------- ---------------- ---------------- --------------
  Total derivative liabilities...........................                3            2,135              304          2,442
                                                          ---------------- ---------------- ---------------- --------------
Embedded derivatives within liability host contracts (2).               --               --              876            876
Long-term debt...........................................               --               --               --             --
Separate account liabilities (3).........................               --                7                2              9
                                                          ---------------- ---------------- ---------------- --------------
  Total liabilities......................................  $             3  $         2,142  $         1,182  $       3,327
                                                          ================ ================ ================ ==============

----------                                                                      

(1)Derivative assets are presented within other invested assets on the          
 consolidated balance sheets and derivative liabilities are presented within
other liabilities on the consolidated balance sheets. The amounts are     
presented gross in the tables above to reflect the presentation on the    
consolidated balance sheets, but are presented net for purposes of the    
rollforward in the Fair Value Measurements Using Significant Unobservable 
Inputs (Level 3) tables.                                                  

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(2)Embedded derivatives within asset host contracts are presented within        
premiums, reinsurance and other receivables on the consolidated balance   
sheets. Embedded derivatives within liability host contracts are presented
within policyholder account balances and other liabilities on the         
 consolidated balance sheets. At December 31, 2018 and 2017, debt and equity
securities also included embedded derivatives of $0 and ($113) million,   
respectively.                                                             

(3)Investment performance related to separate account assets is fully offset by 
corresponding amounts credited to contractholders whose liability is      
 reflected within separate account liabilities. Separate account liabilities
are set equal to the estimated fair value of separate account assets.     
Separate account liabilities presented in the tables above represent      
derivative liabilities.                                                   

(4)In connection with the adoption of new guidance related to the recognition   
and measurement of financial instruments (see Note 1), other limited      
partnership interests are measured at estimated fair value on a recurring 
basis effective January 1, 2018. This represents the former cost method   
 investments held as of January 1, 2018 that were measured at estimated fair
value on a recurring basis upon adoption of this guidance. Total assets   
  included in the fair value hierarchy exclude these other limited partnership
interests that are measured at estimated fair value using the net asset   
value ("NAV") per share (or its equivalent) practical expedient. At       
December 31, 2018, the estimated fair value of such investments was       
$140 million.                                                             

The following describes the valuation methodologies used to measure assets  
and liabilities at fair value.                                                  

Investments                                                                 

Securities, Short-term Investments, Other Investments and Long-term Debt  

   When available, the estimated fair value of these financial instruments
is based on quoted prices in active markets that are readily and regularly
  obtainable. Generally, these are the most liquid of the Company's securities
holdings and valuation of these securities does not involve management's  
judgment.                                                                 

     When quoted prices in active markets are not available, the determination
  of estimated fair value is based on market standard valuation methodologies,
giving priority to observable inputs. The significant inputs to the market
standard valuation methodologies for certain types of securities with     
reasonable levels of price transparency are inputs that are observable in 
the market or can be derived principally from, or corroborated by,        
  observable market data. When observable inputs are not available, the market
 standard valuation methodologies rely on inputs that are significant to the
estimated fair value that are not observable in the market or cannot be   
 derived principally from, or corroborated by, observable market data. These
unobservable inputs can be based in large part on management's judgment or
estimation and cannot be supported by reference to market activity. Even  
though these inputs are unobservable, management believes they are        
consistent with what other market participants would use when pricing such
securities and are considered appropriate given the circumstances.        

The estimated fair value of other investments and long-term debt is 
  determined on a basis consistent with the methodologies described herein for
securities.                                                               

  The valuation approaches and key inputs for each category of assets or
  liabilities that are classified within Level 2 and Level 3 of the fair value
hierarchy are presented below. The valuation of most instruments listed   
below is determined using independent pricing sources, matrix pricing,    
discounted cash flow methodologies or other similar techniques that use   
either observable market inputs or unobservable inputs.                   

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

----------------------------------------------------------------------------- 
                                           Level 3
Instrument     Level 2 Observable Inputs           Unobservable Inputs        
----------------------------------------------------------------------------- 
Fixed maturity securities AFS                                                 
----------------------------------------------------------------------------- 
U.S. corporate and Foreign corporate securities                             
----------------------------------------------------------------------------- 
Valuation Approaches:            Valuation Approaches:
            Principally the market and      Principally the market approach.
income approaches.                                  
Key Inputs:                      Key Inputs:          
. quoted prices in markets that  . illiquidity premium
are not active                                    
        . benchmark yields; spreads off  . delta spread adjustments to
benchmark yields; new            reflect specific 
    issuances; issuer rating         credit-related issues
. trades of identical or         . credit spreads     
comparable securities;                            
duration                                          
          . Privately-placed securities    . quoted prices in markets that
           are valued using the             are not active for identical
         additional key inputs:           or similar securities that
         . market yield curve; call         are less liquid and based on
      provisions                       lower levels of trading
     . observable prices and spreads    activity than securities
    for similar public or private    classified in Level 2
      securities that incorporate    . independent non-binding
the credit quality and           broker quotations
industry sector of the issuer                     
. delta spread adjustments to                         
reflect specific                                  
credit-related issues                             
----------------------------------------------------------------------------- 
U.S. government and agency securities, Municipals and Foreign government    
securities                                                                
----------------------------------------------------------------------------- 
Valuation Approaches:            Valuation Approaches:
           Principally the market approach. Principally the market approach.
Key Inputs:                      Key Inputs:          
    . quoted prices in markets that  . independent non-binding
are not active                   broker quotations
          . benchmark U.S. Treasury yield  . quoted prices in markets that
           or other yields                  are not active for identical
                                          or similar securities that
                                            are less liquid and based on
    . the spread off the U.S.          lower levels of trading
       Treasury yield curve for the     activity than securities
    identical security               classified in Level 2
. issuer ratings and issuer                           
spreads; broker-dealer quotes  . credit spreads   
. comparable securities that                          
are actively traded                               
----------------------------------------------------------------------------- 
Structured Securities                                                       
----------------------------------------------------------------------------- 
Valuation Approaches:            Valuation Approaches:
     Principally the market and       Principally the market and
income approaches.               income approaches.   
Key Inputs:                      Key Inputs:          
. quoted prices in markets that                       
are not active                 . credit spreads   
          . spreads for actively traded    . quoted prices in markets that
           securities; spreads off          are not active for identical
         benchmark yields                 or similar securities that
         . expected prepayment speeds       are less liquid and based on
      and volumes                      lower levels of trading
     . current and forecasted loss      activity than securities
    severity; ratings; geographic    classified in Level 2
      region                         . independent non-binding
. weighted average coupon and      broker quotations  
weighted average maturity                         
. average delinquency rates;                          
debt-service coverage ratios                      
. issuance-specific                                   
information, including, but                       
not limited to:                                   
. collateral type; structure of                       
the security; vintage of the                      
loans                                             
. payment terms of the                                
underlying assets                                 
. payment priority within the                         
tranche; deal performance                         
----------------------------------------------------------------------------- 

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

----------------------------------------------------------------------------- 
                                           Level 3
Instrument     Level 2 Observable Inputs           Unobservable Inputs        
----------------------------------------------------------------------------- 
Equity securities                                                             
----------------------------------------------------------------------------- 
Valuation Approaches:            Valuation Approaches:
      Principally the market approach.  Principally the market and
                                income approaches.
Key Input:                       Key Inputs:          
     . quoted prices in markets that  . credit ratings; issuance
are not considered active        structures       
                                       .  quoted prices in markets
                                         that are not active for
                                      identical or similar
                                          securities that are less
                                           liquid and based on lower
                                            levels of trading activity
                                            than securities classified
                            in Level 2
                                     . independent non-binding
                                 broker quotations
----------------------------------------------------------------------------- 
Short-term investments and Other investments                                  
----------------------------------------------------------------------------- 
        .  Short-term investments and    .  Short-term investments and
           other investments are of a       other investments are of a
            similar nature and class to      similar nature and class to
   the fixed maturity               the fixed maturity
          securities AFS and equity        securities AFS and equity
            securities described above;      securities described above;
           accordingly, the valuation       accordingly, the valuation
            approaches and observable        approaches and unobservable
     inputs used in their             inputs used in their
           valuation are also similar       valuation are also similar
          to those described above.        to those described above.
----------------------------------------------------------------------------- 
Residential mortgage loans -- FVO                                             
----------------------------------------------------------------------------- 
. N/A                            Valuation Approaches:
                                    Principally the market
                       approach.
                                        Valuation Techniques and Key
                                           Inputs: These investments
                                        are based primarily on
                                         matrix pricing or other
                                         similar techniques that
                                              utilize inputs from mortgage
                                    servicers that are
                                           unobservable or cannot be
                                              derived principally from, or
                                             corroborated by, observable
                              market data.
----------------------------------------------------------------------------- 
Separate account assets and Separate account liabilities (1)                  
----------------------------------------------------------------------------- 
Mutual funds and hedge funds without readily determinable fair values as    
prices are not published publicly                                         
----------------------------------------------------------------------------- 
Key Input:                       . N/A                
.  quoted prices or reported                          
NAV provided by the               
fund managers                     
----------------------------------------------------------------------------- 
Other limited partnership interests                                         
----------------------------------------------------------------------------- 
         . N/A                            Valued giving consideration to
                                       the underlying holdings
                                     of the partnerships and
                                          adjusting, if appropriate.
                       Key Inputs:
                                         . liquidity; bid/ask spreads;
                                         performance record of the
                            fund manager
                                           . other relevant variables that
                                            may impact the exit value of
                                          the particular partnership
                        interest
----------------------------------------------------------------------------- 

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

(1)Estimated fair value equals carrying value, based on the value of the        
underlying assets, including: mutual fund interests, fixed maturity       
securities, equity securities, derivatives, hedge funds, other limited    
  partnership interests, short-term investments and cash and cash equivalents.
Fixed maturity securities, equity securities, derivatives, short-term     
investments and cash and cash equivalents are similar in nature to the    
instruments described under "-- Securities, Short-term Investments, Other 
Investments and Long-term Debt" and "-- Derivatives -- Freestanding       
Derivatives."                                                             

Derivatives                                                                 

The estimated fair value of derivatives is determined through the use of
quoted market prices for exchange-traded derivatives, or through the use of 
pricing models for OTC-bilateral and OTC-cleared derivatives. The           
determination of estimated fair value, when quoted market values are not    
available, is based on market standard valuation methodologies and inputs   
that management believes are consistent with what other market participants 
would use when pricing such instruments. Derivative valuations can be       
affected by changes in interest rates, foreign currency exchange rates,     
financial indices, credit spreads, default risk, nonperformance risk,       
volatility, liquidity and changes in estimates and assumptions used in the  
pricing models.                                                             

 The significant inputs to the pricing models for most OTC-bilateral and
OTC-cleared derivatives are inputs that are observable in the market or can 
be derived principally from, or corroborated by, observable market data.    
 Certain OTC-bilateral and OTC-cleared derivatives may rely on inputs that are
 significant to the estimated fair value that are not observable in the market
or cannot be derived principally from, or corroborated by, observable market
data. These unobservable inputs may involve significant management judgment 
or estimation. Even though unobservable, these inputs are based on          
assumptions deemed appropriate given the circumstances and management       
believes they are consistent with what other market participants would use  
when pricing such instruments.                                              

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

  Most inputs for OTC-bilateral and OTC-cleared derivatives are mid-market
inputs but, in certain cases, liquidity adjustments are made when they are  
deemed more representative of exit value. Market liquidity, as well as the  
use of different methodologies, assumptions and inputs, may have a material 
effect on the estimated fair values of the Company's derivatives and could  
materially affect net income.                                               

    The credit risk of both the counterparty and the Company are considered in
determining the estimated fair value for all OTC-bilateral and OTC-cleared  
 derivatives, and any potential credit adjustment is based on the net exposure
by counterparty after taking into account the effects of netting agreements 
and collateral arrangements. The Company values its OTC-bilateral and       
 OTC-cleared derivatives using standard swap curves which may include a spread
to the risk-free rate, depending upon specific collateral arrangements. This
 credit spread is appropriate for those parties that execute trades at pricing
levels consistent with similar collateral arrangements. As the Company and  
its significant derivative counterparties generally execute trades at such  
pricing levels and hold sufficient collateral, additional credit risk       
adjustments are not currently required in the valuation process. The        
Company's ability to consistently execute at such pricing levels is in part 
due to the netting agreements and collateral arrangements that are in place 
with all of its significant derivative counterparties. An evaluation of the 
requirement to make additional credit risk adjustments is performed by the  
Company each reporting period.                                              

Freestanding Derivatives                                                    

Level 2 Valuation Approaches and Key Inputs:                              

   This level includes all types of derivatives utilized by the Company with
the exception of exchange-traded derivatives included within Level 1 and    
those derivatives with unobservable inputs as described in Level 3.         

Level 3 Valuation Approaches and Key Inputs:                              

  These valuation methodologies generally use the same inputs as described
in the corresponding sections for Level 2 measurements of derivatives.      
However, these derivatives result in Level 3 classification because one or  
more of the significant inputs are not observable in the market or cannot be
derived principally from, or corroborated by, observable market data.       

    Freestanding derivatives are principally valued using the income approach.
Valuations of non-option-based derivatives utilize present value techniques,
 whereas valuations of option-based derivatives utilize option pricing models.
Key inputs are as follows:                                                  

                                                        [Enlarge/Download Table]

                                                            Foreign                                                              
       Instrument              Interest Rate         Currency Exchange Rate            Credit                Equity Market       
---------------------------------------------------------------------------------------------------------------------------------
                                                                                                                                 
Inputs common to          . swap yield curves       .swap yield curves        .swap yield curves        .swap yield curves       
 Level 2 and Level 3      . basis curves            .basis curves             .credit curves            .spot equity index levels
 by instrument type       . interest rate           .currency spot rates      .recovery rates           .dividend yield curves   
                            volatility (1)          .cross currency basis                               .equity volatility (1)   
                                                     curves                                                                      
---------------------------------------------------------------------------------------------------------------------------------
Level 3                   . swap yield curves (2)   .swap yield curves (2)    .swap yield curves (2)    .dividend yield curves   
                          . basis curves (2)        .basis curves (2)         .credit curves (2)         (2)                     
                          . repurchase rates        .cross currency basis     .credit spreads           .equity volatility (1),  
                                                     curves (2)               .repurchase rates          (2)                     
                                                    .currency correlation     .independent non-binding  .correlation between     
                                                                                broker quotations         model inputs (1)       

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

(1)Option-based only.                                                           

(2)Extrapolation beyond the observable limits of the curve(s).                  

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

Embedded Derivatives                                                        

Embedded derivatives principally include certain direct and assumed   
variable annuity guarantees, equity or bond indexed crediting rates within  
certain funding agreements and annuity contracts, and those related to funds
withheld on ceded reinsurance agreements. Embedded derivatives are recorded 
at estimated fair value with changes in estimated fair value reported in net
income.                                                                     

The Company issues certain variable annuity products with guaranteed  
minimum benefits. GMWBs, GMABs and certain GMIBs contain embedded           
derivatives, which are measured at estimated fair value separately from the 
 host variable annuity contract, with changes in estimated fair value reported
in net derivative gains (losses). These embedded derivatives are classified 
within policyholder account balances on the consolidated balance sheets.    

    The Company calculates the fair value of these embedded derivatives, which
are estimated as the present value of projected future benefits minus the   
present value of projected future fees using actuarial and capital market   
assumptions including expectations concerning policyholder behavior. The    
calculation is based on in-force business, projecting future cash flows from
 the embedded derivative over multiple risk neutral stochastic scenarios using
observable risk-free rates.                                                 

Capital market assumptions, such as risk-free rates and implied       
volatilities, are based on market prices for publicly traded instruments to 
the extent that prices for such instruments are observable. Implied         
volatilities beyond the observable period are extrapolated based on         
observable implied volatilities and historical volatilities. Actuarial      
assumptions, including mortality, lapse, withdrawal and utilization, are    
 unobservable and are reviewed at least annually based on actuarial studies of
historical experience.                                                      

   The valuation of these guarantee liabilities includes nonperformance risk
adjustments and adjustments for a risk margin related to non-capital market 
inputs. The nonperformance adjustment is determined by taking into          
consideration publicly available information relating to spreads in the     
secondary market for MetLife, Inc.'s debt, including related credit default 
swaps. These observable spreads are then adjusted, as necessary, to reflect 
the priority of these liabilities and the claims paying ability of the      
issuing insurance subsidiaries as compared to MetLife, Inc.                 

 Risk margins are established to capture the non-capital market risks of
the instrument which represent the additional compensation a market         
 participant would require to assume the risks related to the uncertainties of
such actuarial assumptions as annuitization, premium persistency, partial   
 withdrawal and surrenders. The establishment of risk margins requires the use
of significant management judgment, including assumptions of the amount and 
cost of capital needed to cover the guarantees. These guarantees may be more
costly than expected in volatile or declining equity markets. Market        
conditions including, but not limited to, changes in interest rates, equity 
indices, market volatility and foreign currency exchange rates; changes in  
nonperformance risk; and variations in actuarial assumptions regarding      
policyholder behavior, mortality and risk margins related to non-capital    
market inputs, may result in significant fluctuations in the estimated fair 
value of the guarantees that could materially affect net income.            

    The Company ceded the risk associated with certain of the GMIBs, GMABs and
GMWBs previously described. In addition to ceding risks associated with     
guarantees that are accounted for as embedded derivatives, the Company also 
ceded directly written GMIBs that are accounted for as insurance (i.e., not 
as embedded derivatives) but where the reinsurance agreement contains an    
 embedded derivative. These embedded derivatives are included within premiums,
reinsurance and other receivables on the consolidated balance sheets with   
changes in estimated fair value reported in net derivative gains (losses).  
 The value of the embedded derivatives on the ceded risk is determined using a
methodology consistent with that described previously for the guarantees    
directly written by the Company with the exception of the input for         
nonperformance risk that reflects the credit of the reinsurer.              

  The estimated fair value of the embedded derivatives within funds withheld
related to certain ceded reinsurance is determined based on the change in   
estimated fair value of the underlying assets held by the Company in a      
reference portfolio backing the funds withheld liability. The estimated fair
value of the underlying assets is determined as described in "-- Investments
 -- Securities, Short-term Investments, Other Investments and Long-term Debt."
The estimated fair value of these embedded derivatives is included, along   
with their funds withheld hosts, in other liabilities on the consolidated   
balance sheets with changes in estimated fair value recorded in net         
derivative gains (losses). Changes in the credit spreads on the underlying  
assets, interest rates and market volatility may result in significant      
fluctuations in the estimated fair value of these embedded derivatives that 
could materially affect net income.                                         

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

The estimated fair value of the embedded equity and bond indexed        
derivatives contained in certain funding agreements is determined using     
 market standard swap valuation models and observable market inputs, including
a nonperformance risk adjustment. The estimated fair value of these embedded
derivatives are included, along with their funding agreements host, within  
policyholder account balances with changes in estimated fair value recorded 
in net derivative gains (losses). Changes in equity and bond indices,       
interest rates and the Company's credit standing may result in significant  
fluctuations in the estimated fair value of these embedded derivatives that 
could materially affect net income.                                         

Embedded Derivatives Within Asset and Liability Host Contracts            

Level 3 Valuation Approaches and Key Inputs:                            

Direct and assumed guaranteed minimum benefits                      

    These embedded derivatives are principally valued using the income
approach. Valuations are based on option pricing techniques, which  
   utilize significant inputs that may include swap yield curves, currency
exchange rates and implied volatilities. These embedded derivatives 
   result in Level 3 classification because one or more of the significant
    inputs are not observable in the market or cannot be derived principally
from, or corroborated by, observable market data. Significant       
unobservable inputs generally include: the extrapolation beyond     
observable limits of the swap yield curves and implied volatilities,
 actuarial assumptions for policyholder behavior and mortality and the
potential variability in policyholder behavior and mortality,       
   nonperformance risk and cost of capital for purposes of calculating the
risk margin.                                                        

Reinsurance ceded on certain guaranteed minimum benefits            

    These embedded derivatives are principally valued using the income
approach. The valuation techniques and significant market standard  
unobservable inputs used in their valuation are similar to those    
  described above in "-- Direct and assumed guaranteed minimum benefits"
and also include counterparty credit spreads.                       

Embedded derivatives within funds withheld related to certain ceded 
reinsurance                                                         

    These embedded derivatives are principally valued using the income
 approach. The valuations are based on present value techniques, which
     utilize significant inputs that may include the swap yield curves and the
fair value of assets within the reference portfolio. These embedded 
   derivatives result in Level 3 classification because one or more of the
    significant inputs are not observable in the market or cannot be derived
     principally from, or corroborated by, observable market data. Significant
  unobservable inputs generally include the fair value of certain assets
     within the reference portfolio which are not observable in the market and
     cannot be derived principally from, or corroborated by, observable market
data.                                                               

Transfers between Levels                                                        

Overall, transfers between levels occur when there are changes in the     
observability of inputs and market activity.                                  

Transfers into or out of Level 3:                                           

  Assets and liabilities are transferred into Level 3 when a significant
input cannot be corroborated with market observable data. This occurs when
market activity decreases significantly and underlying inputs cannot be   
observed, current prices are not available, and/or when there are         
significant variances in quoted prices, thereby affecting transparency.   
Assets and liabilities are transferred out of Level 3 when circumstances  
change such that a significant input can be corroborated with market      
observable data. This may be due to a significant increase in market      
activity, a specific event, or one or more significant input(s) becoming  
observable.                                                               

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

Assets and Liabilities Measured at Fair Value Using Significant Unobservable
Inputs (Level 3)                                                            

The following table presents certain quantitative information about the 
significant unobservable inputs used in the fair value measurement, and the 
sensitivity of the estimated fair value to changes in those inputs, for the 
more significant asset and liability classes measured at fair value on a    
recurring basis using significant unobservable inputs (Level 3) at:         

                                                        [Enlarge/Download Table]

                                                                                           December 31, 2018          
                                                                                      ----------------------------    
                                                                 Significant                               Weighted   
                                   Valuation Techniques      Unobservable Inputs           Range          Average (1) 
                                --------------------------- -----------------------   ---------------     ----------- 
                                                                                                                      
Fixed maturity securities AFS (3)                                                                                     
U.S. corporate and foreign                                                                                            
 corporate..................... Matrix pricing              Offered quotes (4)          85    -      134      105     
                                Market pricing              Quoted prices (4)           25    -      638      107     
                                --------------------------------------------------------------------------------------
RMBS........................... Market pricing              Quoted prices (4)           --    -      106      94      
                                --------------------------------------------------------------------------------------
ABS............................ Market pricing              Quoted prices (4)           10    -      101      97      
                                Consensus pricing           Offered quotes (4)                                        
                                --------------------------------------------------------------------------------------
Derivatives                                                                                                           
Interest rate.................. Present value techniques    Swap yield (6)             268    -      317              
                                                            Repurchase rates (8)       (5)    -       6               
                                --------------------------------------------------------------------------------------
Foreign currency exchange rate. Present value               Swap yield (6)             (20)   -      (5)              
                                    techniques                                                                        
                                --------------------------------------------------------------------------------------
Credit......................... Present value               Credit spreads (9)          97    -      103              
                                    techniques                                                                        
                                Consensus pricing           Offered quotes (10)                                       
                                --------------------------------------------------------------------------------------
Equity market.................. Present value               Volatility (11)            21%    -      26%              
                                    techniques or                                                                     
                                    option pricing                                                                    
                                    models                                                                            
                                                            Correlation (12)           10%    -      30%              
                                --------------------------------------------------------------------------------------
Embedded derivatives                                                                                                  
Direct and assumed guaranteed   Option pricing              Mortality rates:                                          
 minimum benefits..............     techniques                                                                        
                                                                Ages 0 - 40           0.01%   -     0.18%             
                                                                Ages 41 - 60          0.04%   -     0.57%             
                                                                Ages 61 - 115         0.26%   -     100%              
                                                            Lapse rates:                                              
                                                                Durations 1 - 10      0.25%   -     100%              
                                                                Durations 11 - 20       3%    -     100%              
                                                                Durations 21 - 116     2.5%   -     100%              
                                                            Utilization rates           0%    -      25%              
                                                            Withdrawal rates          0.25%   -      10%              
                                                            Long-term equity          16.50%  -      22%              
                                                                volatilities                                          
                                                            Nonperformance risk       0.05%   -     0.59%             
                                                                spread                                                
                                                        [Enlarge/Download Table]

                                                                                           December 31, 2017          
                                                                                      ----------------------------    
                                                                 Significant                               Weighted   
                                   Valuation Techniques      Unobservable Inputs           Range          Average (1) 
                                --------------------------- -----------------------   ---------------     ----------- 
                                                                                                                      
Fixed maturity securities AFS (3)                                                                                     
U.S. corporate and foreign                                                                                            
 corporate..................... Matrix pricing              Offered quotes (4)          83    -      142      111     
                                Market pricing              Quoted prices (4)           10    -      443      123     
                                --------------------------------------------------------------------------------------
RMBS........................... Market pricing              Quoted prices (4)           --    -      126      94      
                                --------------------------------------------------------------------------------------
ABS............................ Market pricing              Quoted prices (4)           27    -      104      100     
                                Consensus pricing           Offered quotes (4)         100    -      101      100     
                                --------------------------------------------------------------------------------------
Derivatives                                                                                                           
Interest rate.................. Present value techniques    Swap yield (6)             200    -      300              
                                                            Repurchase rates (8)       (5)    -       5               
                                --------------------------------------------------------------------------------------
Foreign currency exchange rate. Present value               Swap yield (6)             (14)   -      (3)              
                                    techniques                                                                        
                                --------------------------------------------------------------------------------------
Credit......................... Present value               Credit spreads (9)          --    -      --               
                                    techniques                                                                        
                                Consensus pricing           Offered quotes (10)                                       
                                --------------------------------------------------------------------------------------
Equity market.................. Present value               Volatility (11)            11%    -      31%              
                                    techniques or                                                                     
                                    option pricing                                                                    
                                    models                                                                            
                                                            Correlation (12)           10%    -      30%              
                                --------------------------------------------------------------------------------------
Embedded derivatives                                                                                                  
Direct and assumed guaranteed   Option pricing              Mortality rates:                                          
 minimum benefits..............     techniques                                                                        
                                                                Ages 0 - 40             0%    -     0.09%             
                                                                Ages 41 - 60          0.04%   -     0.65%             
                                                                Ages 61 - 115         0.26%   -     100%              
                                                            Lapse rates:                                              
                                                                Durations 1 - 10      0.25%   -     100%              
                                                                Durations 11 - 20       3%    -     100%              
                                                                Durations 21 - 116      3%    -     100%              
                                                            Utilization rates           0%    -      25%              
                                                            Withdrawal rates          0.25%   -      10%              
                                                            Long-term equity          17.40%  -      25%              
                                                                volatilities                                          
                                                            Nonperformance risk       0.02%   -     0.44%             
                                                                spread                                                
                                                        [Enlarge/Download Table]

                                                                                          Impact of    
                                                                                      Increase in Input
                                                                 Significant            on Estimated   
                                   Valuation Techniques      Unobservable Inputs       Fair Value (2)  
                                --------------------------- -----------------------   -----------------
                                                                                                       
Fixed maturity securities AFS (3)                                                                      
U.S. corporate and foreign                                                                             
 corporate..................... Matrix pricing              Offered quotes (4)           Increase      
                                Market pricing              Quoted prices (4)            Increase      
                                -----------------------------------------------------------------------
RMBS........................... Market pricing              Quoted prices (4)          Increase (5)    
                                -----------------------------------------------------------------------
ABS............................ Market pricing              Quoted prices (4)          Increase (5)    
                                Consensus pricing           Offered quotes (4)         Increase (5)    
                                -----------------------------------------------------------------------
Derivatives                                                                                            
Interest rate.................. Present value techniques    Swap yield (6)             Increase (7)    
                                                            Repurchase rates (8)       Decrease (7)    
                                -----------------------------------------------------------------------
Foreign currency exchange rate. Present value               Swap yield (6)             Increase (7)    
                                    techniques                                                         
                                -----------------------------------------------------------------------
Credit......................... Present value               Credit spreads (9)         Decrease (7)    
                                    techniques                                                         
                                Consensus pricing           Offered quotes (10)                        
                                -----------------------------------------------------------------------
Equity market.................. Present value               Volatility (11)            Increase (7)    
                                    techniques or                                                      
                                    option pricing                                                     
                                    models                                                             
                                                            Correlation (12)                           
                                -----------------------------------------------------------------------
Embedded derivatives                                                                                   
Direct and assumed guaranteed   Option pricing              Mortality rates:                           
 minimum benefits..............     techniques                                                         
                                                                Ages 0 - 40            Decrease (13)   
                                                                Ages 41 - 60           Decrease (13)   
                                                                Ages 61 - 115          Decrease (13)   
                                                            Lapse rates:                               
                                                                Durations 1 - 10       Decrease (14)   
                                                                Durations 11 - 20      Decrease (14)   
                                                                Durations 21 - 116     Decrease (14)   
                                                            Utilization rates          Increase (15)   
                                                            Withdrawal rates             (16)          
                                                            Long-term equity           Increase (17)   
                                                                volatilities                           
                                                            Nonperformance risk        Decrease (18)   
                                                                spread                                 

--------                                                                        

(1) The weighted average for fixed maturity securities AFS is determined based  
on the estimated fair value of the securities.                          

(2) The impact of a decrease in input would have resulted in the opposite       
   impact on estimated fair value. For embedded derivatives, changes to direct
 and assumed guaranteed minimum benefits are based on liability positions.

(3) Significant increases (decreases) in expected default rates in isolation    
would have resulted in substantially lower (higher) valuations.         

(4) Range and weighted average are presented in accordance with the market      
   convention for fixed maturity securities AFS of dollars per hundred dollars
of par.                                                                 

(5) Changes in the assumptions used for the probability of default would have   
 been accompanied by a directionally similar change in the assumption used
for the loss severity and a directionally opposite change in the        
assumptions used for prepayment rates.                                  

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(6) Ranges represent the rates across different yield curves and are presented  
 in basis points. The swap yield curves are utilized among different types
of derivatives to project cash flows, as well as to discount future cash
flows to present value. Since this valuation methodology uses a range of
  inputs across a yield curve to value the derivative, presenting a range is
more representative of the unobservable input used in the valuation.    

(7) Changes in estimated fair value are based on long U.S. dollar net asset     
positions and will be inversely impacted for short U.S. dollar net asset
positions.                                                              

(8) Ranges represent different repurchase rates utilized as components within   
the valuation methodology and are presented in basis points.            

(9) Represents the risk quoted in basis points of a credit default event on the 
underlying instrument. Credit derivatives with significant unobservable 
inputs are primarily comprised of written credit default swaps.         

(10)At both December 31, 2018 and 2017, independent non-binding broker          
  quotations were used in the determination of less than 1% of the total net
derivative estimated fair value.                                        

(11)Ranges represent the underlying equity volatility quoted in percentage      
points. Since this valuation methodology uses a range of inputs across  
   multiple volatility surfaces to value the derivative, presenting a range is
more representative of the unobservable input used in the valuation.    

(12)Ranges represent the different correlation factors utilized as components   
   within the valuation methodology. Presenting a range of correlation factors
is more representative of the unobservable input used in the valuation. 
  Increases (decreases) in correlation in isolation will increase (decrease)
the significance of the change in valuations.                           

(13)Mortality rates vary by age and by demographic characteristics such as      
gender. Mortality rate assumptions are based on company experience. A   
 mortality improvement assumption is also applied. For any given contract,
mortality rates vary throughout the period over which cash flows are    
projected for purposes of valuing the embedded derivative.              

(14)Base lapse rates are adjusted at the contract level based on a comparison   
of the actuarially calculated guaranteed values and the current         
policyholder account value, as well as other factors, such as the       
applicability of any surrender charges. A dynamic lapse function reduces
  the base lapse rate when the guaranteed amount is greater than the account
 value as in the money contracts are less likely to lapse. Lapse rates are
also generally assumed to be lower in periods when a surrender charge   
applies. For any given contract, lapse rates vary throughout the period 
over which cash flows are projected for purposes of valuing the embedded
derivative.                                                             

(15)The utilization rate assumption estimates the percentage of contractholders 
with a GMIB or lifetime withdrawal benefit who will elect to utilize the
benefit upon becoming eligible. The rates may vary by the type of       
guarantee, the amount by which the guaranteed amount is greater than the
account value, the contract's withdrawal history and by the age of the  
   policyholder. For any given contract, utilization rates vary throughout the
period over which cash flows are projected for purposes of valuing the  
embedded derivative.                                                    

(16)The withdrawal rate represents the percentage of account balance that any   
  given policyholder will elect to withdraw from the contract each year. The
  withdrawal rate assumption varies by age and duration of the contract, and
also by other factors such as benefit type. For any given contract,     
withdrawal rates vary throughout the period over which cash flows are   
 projected for purposes of valuing the embedded derivative. For GMWBs, any
 increase (decrease) in withdrawal rates results in an increase (decrease)
in the estimated fair value of the guarantees. For GMABs and GMIBs, any 
   increase (decrease) in withdrawal rates results in a decrease (increase) in
the estimated fair value.                                               

(17)Long-term equity volatilities represent equity volatility beyond the period 
for which observable equity volatilities are available. For any given   
   contract, long-term equity volatility rates vary throughout the period over
which cash flows are projected for purposes of valuing the embedded     
derivative.                                                             

(18)Nonperformance risk spread varies by duration and by currency. For any      
  given contract, multiple nonperformance risk spreads will apply, depending
 on the duration of the cash flow being discounted for purposes of valuing
the embedded derivative.                                                

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

The following is a summary of the valuation techniques and significant  
unobservable inputs used in the fair value measurement of assets and        
liabilities classified within Level 3 that are not included in the preceding
table. Generally, all other classes of securities classified within Level 3,
including those within separate account assets, and embedded derivatives    
within funds withheld related to certain ceded reinsurance, use the same    
valuation techniques and significant unobservable inputs as previously      
 described for Level 3 securities. This includes matrix pricing and discounted
cash flow methodologies, inputs such as quoted prices for identical or      
similar securities that are less liquid and based on lower levels of trading
activity than securities classified in Level 2, as well as independent      
non-binding broker quotations. The residential mortgage loans -- FVO and    
 long-term debt are valued using independent non-binding broker quotations and
internal models including matrix pricing and discounted cash flow           
methodologies using current interest rates. The sensitivity of the estimated
fair value to changes in the significant unobservable inputs for these other
assets and liabilities is similar in nature to that described in the        
 preceding table. The valuation techniques and significant unobservable inputs
used in the fair value measurement for the more significant assets measured 
at estimated fair value on a nonrecurring basis and determined using        
significant unobservable inputs (Level 3) are summarized in "-- Nonrecurring
Fair Value Measurements."                                                   

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

   The following tables summarize the change of all assets and (liabilities)
measured at estimated fair value on a recurring basis using significant     
unobservable inputs (Level 3):                                              

                                                        [Enlarge/Download Table]

                                            Fair Value Measurements Using Significant Unobservable Inputs (Level 3)   
                                         ---------------------------------------------------------------------------- 
                                                    Fixed Maturity Securities AFS                                     
                                         ---------------------------------------------------                          
                                                         Structured                 Foreign     Equity     Short-term 
                                          Corporate (1)   Securities   Municipals  Government  Securities  Investments
                                         -------------- ------------  ----------- ----------- ----------- ------------
                                                                         (In millions)                                
                                                                                                                      
Balance, January 1, 2017................  $      8,839  $      4,541   $      10   $      21  $      420   $      25  
Total realized/unrealized gains                                                                                       
 (losses) included in net income (loss)                                                                               
 (2) (3)................................            (2)           95          --          --          --          --  
Total realized/unrealized gains                                                                                       
 (losses) included in AOCI..............           416           109          --          --          17          --  
Purchases (4)...........................         2,451           900          --          19          14           6  
Sales (4)...............................        (1,408)       (1,282)         --          (2)        (51)         --  
Issuances (4)...........................            --            --          --          --          --          --  
Settlements (4).........................            --            --          --          --          --          --  
Transfers into Level 3 (5)..............            58            63          --          --          --          --  
Transfers out of Level 3 (5)............        (2,768)         (350)        (10)         (7)        (34)        (24) 
                                          ------------  ------------   ---------   ---------  ----------   ---------  
Balance, December 31, 2017..............         7,586         4,076          --          31         366           7  
Total realized/unrealized gains                                                                                       
 (losses) included in net income (loss)                                                                               
 (2) (3)................................             2            79          --           1         (30)         --  
Total realized/unrealized gains                                                                                       
 (losses) included in AOCI..............          (463)          (31)         --          (1)         --          --  
Purchases (4)...........................         1,377           752          --          --           3          24  
Sales (4)...............................        (1,241)         (755)         --         (21)        (26)         (1) 
Issuances (4)...........................            --            --          --          --          --          --  
Settlements (4).........................            --            --          --          --          --          --  
Transfers into Level 3 (5)..............           151            58          --          --          52          --  
Transfers out of Level 3 (5)............          (311)         (638)         --          --          (9)         (5) 
                                          ------------  ------------   ---------   ---------  ----------   ---------  
Balance, December 31, 2018..............  $      7,101  $      3,541   $      --   $      10  $      356   $      25  
                                          ============  ============   =========   =========  ==========   =========  
Changes in unrealized gains (losses)                                                                                  
 included in net income (loss) for the                                                                                
 instruments still held at December 31,                                                                               
 2016: (6)..............................  $         --  $        101   $       1   $      --  $      (29)  $      --  
                                          ============  ============   =========   =========  ==========   =========  
Changes in unrealized gains (losses)                                                                                  
 included in net income (loss) for the                                                                                
 instruments still held at December 31,                                                                               
 2017: (6)..............................  $         (7) $         83   $      --   $      --  $      (17)  $      --  
                                          ============  ============   =========   =========  ==========   =========  
Changes in unrealized gains (losses)                                                                                  
 included in net income (loss) for the                                                                                
 instruments still held at December 31,                                                                               
 2018: (6)..............................  $         (5) $         68   $      --   $      --  $      (22)  $      --  
                                          ============  ============   =========   =========  ==========   =========  
Gains (Losses) Data for the year ended                                                                                
 December 31, 2016......................                                                                              
Total realized/unrealized gains                                                                                       
 (losses) included in net income (loss)                                                                               
 (2) (3)................................  $         --  $        100   $       1   $      --  $      (24)  $      --  
Total realized/unrealized gains                                                                                       
 (losses) included in AOCI..............  $        (39) $         47   $       2   $      (1) $       21   $      --  

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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                               ---------------------------------------------------------------------  
                                                                        Net                           
                               Residential                  Net      Embedded    Separate             
                                Mortgage       Other    Derivatives Derivatives  Account    Long-term 
                               Loans - FVO  Investments     (7)         (8)     Assets (9)    Debt    
                               -----------  ----------- ----------- ----------- ----------  --------- 
                                                           (In millions)                              
                                                                                                      
Balance, January 1, 2017...... $      566   $       --  $     (559) $     (893) $    1,141  $     (74)
Total realized/unrealized                                                                             
 gains (losses) included in                                                                           
 net income (loss) (2) (3)....         40           --          21         450          (8)        -- 
Total realized/unrealized                                                                             
 gains (losses) included in                                                                           
 AOCI.........................         --           --         207          --          --         -- 
Purchases (4).................        175           --          --          --         186         -- 
Sales (4).....................       (179)          --          --          --         (80)        -- 
Issuances (4).................         --           --          --          --           1         -- 
Settlements (4)...............        (82)          --         140        (433)        (93)        34 
Transfers into Level 3 (5)....         --           --          --          --          35         -- 
Transfers out of Level 3 (5)..         --           --          --          --        (224)        40 
                               ----------   ----------  ----------  ----------  ----------  --------- 
Balance, December 31, 2017....        520           --        (191)       (876)        958         -- 
Total realized/unrealized                                                                             
 gains (losses) included in                                                                           
 net income (loss) (2) (3)....          7           22         (69)        376           7         -- 
Total realized/unrealized                                                                             
 gains (losses) included in                                                                           
 AOCI.........................         --           --        (110)         --          --         -- 
Purchases (4).................         --          196           4          --         198         -- 
Sales (4).....................       (162)          (2)         --          --        (168)        -- 
Issuances (4).................         --           --          (1)         --          (3)        -- 
Settlements (4)...............        (66)          --         175        (204)         (1)        -- 
Transfers into Level 3 (5)....         --           --          --          --          53         -- 
Transfers out of Level 3 (5)..         --           (1)         --          --        (107)        -- 
                               ----------   ----------  ----------  ----------  ----------  --------- 
Balance, December 31, 2018.... $      299   $      215  $     (192) $     (704) $      937  $      -- 
                               ==========   ==========  ==========  ==========  ==========  ========= 
Changes in unrealized gains                                                                           
 (losses) included in net                                                                             
 income (loss) for                                                                                    
 the instruments still held                                                                           
 at December 31, 2016: (6).... $        8   $       --  $     (166) $     (863) $       --  $      -- 
                               ==========   ==========  ==========  ==========  ==========  ========= 
Changes in unrealized gains                                                                           
 (losses) included in net                                                                             
 income (loss) for                                                                                    
 the instruments still held                                                                           
 at December 31, 2017: (6).... $       27   $       --  $      (18) $      452  $       --  $      -- 
                               ==========   ==========  ==========  ==========  ==========  ========= 
Changes in unrealized gains                                                                           
 (losses) included in net                                                                             
 income (loss) for                                                                                    
 the instruments still held                                                                           
 at December 31, 2018: (6).... $      (15)  $       23  $       18  $      387  $       --  $      -- 
                               ==========   ==========  ==========  ==========  ==========  ========= 
Gains (Losses) Data for the                                                                           
 year ended December 31, 2016.                                                                        
Total realized/unrealized                                                                             
 gains (losses) included in                                                                           
 net income (loss) (2)                                                                                
 (3) (10)..................... $        8   $       --  $     (168) $      870  $       (2) $      -- 
Total realized/unrealized                                                                             
 gains (losses) included in                                                                           
 AOCI......................... $       --   $       --  $     (366) $       --  $       --  $      -- 

--------                                                                        

(1) Comprised of U.S. and foreign corporate securities.                         

(2) Amortization of premium/accretion of discount is included within net        
 investment income. Impairments charged to net income (loss) on securities
 are included in net investment gains (losses), while changes in estimated
fair value of residential mortgage loans -- FVO are included in net     
investment income. Lapses associated with net embedded derivatives are  
included in net derivative gains (losses). Substantially all            
realized/unrealized gains (losses) included in net income (loss) for net
derivatives and net embedded derivatives are reported in net derivative 
gains (losses).                                                         

(3) Interest and dividend accruals, as well as cash interest coupons and        
dividends received, are excluded from the rollforward.                  

(4) Items purchased/issued and then sold/settled in the same period are         
  excluded from the rollforward. Fees attributed to embedded derivatives are
included in settlements.                                                

(5) Items transferred into and then out of Level 3 in the same period are       
excluded from the rollforward.                                          

(6) Changes in unrealized gains (losses) included in net income (loss) relate   
  to assets and liabilities still held at the end of the respective periods.
Substantially all changes in unrealized gains (losses) included in net  
   income (loss) for net derivatives and net embedded derivatives are reported
in net derivative gains (losses).                                       

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(7) Freestanding derivative assets and liabilities are presented net for        
purposes of the rollforward.                                            

(8) Embedded derivative assets and liabilities are presented net for purposes   
of the rollforward.                                                     

(9) Investment performance related to separate account assets is fully offset   
by corresponding amounts credited to contractholders within separate    
account liabilities. Therefore, such changes in estimated fair value are
not recorded in net income (loss). For the purpose of this disclosure,  
  these changes are presented within net investment gains (losses). Separate
account assets and liabilities are presented net for the purposes of the
rollforward.                                                            

(10)Includes $420 million for net embedded derivatives for the year ended       
  December 31, 2016 related to the disposition of NELICO and GALIC. See Note
3.                                                                      

Fair Value Option                                                           

    The Company elects the FVO for certain residential mortgage loans that are
 managed on a total return basis. The following table presents information for
residential mortgage loans which are accounted for under the FVO and were   
initially measured at fair value.                                           

                                                        [Enlarge/Download Table]

                                                                                               December 31,       
                                                                                         ------------------------ 
                                                                                            2018         2017     
                                                                                         ----------  ------------ 
                                                                                               (In millions)      
                                                                                                                  
Unpaid principal balance................................................................ $      344  $        650 
Difference between estimated fair value and unpaid principal balance....................        (45)         (130)
                                                                                         ----------  ------------ 
Carrying value at estimated fair value.................................................. $      299  $        520 
                                                                                         ==========  ============ 
Loans in nonaccrual status.............................................................. $       89  $        198 
Loans more than 90 days past due........................................................ $       41  $         94 
Loans in nonaccrual status or more than 90 days past due, or both -- difference between                           
 aggregate estimated fair value and unpaid principal balance............................ $      (36) $       (102)

Nonrecurring Fair Value Measurements                                            

The following table presents information for assets measured at estimated   
fair value on a nonrecurring basis during the periods and still held at the     
reporting dates (for example, when there is evidence of impairment). The        
estimated fair values for these assets were determined using significant        
unobservable inputs (Level 3).                                                  

                                                        [Enlarge/Download Table]

                             At December 31,              Years Ended December 31,     
                     -------------------------------  ---------------------------------
                        2018        2017      2016      2018       2017        2016    
                     -------      --------- --------- -----     ----------- -----------
                     Carrying Value After Measurement          Gains (Losses)          
                     -------------------------------  ---------------------------------
                                               (In millions)                           
                                                                                       
Other limited                                                                          
 partnership                                                                           
 interests (1)......     N/A (2)  $      58 $      95   N/A (2) $      (65) $      (59)
Other assets (3).... $    --      $      -- $      -- $  --     $         4 $      (30)

--------                                                                        

(1)Estimated fair value is determined from information provided on the          
financial statements of the underlying entities including NAV data. These 
investments include private equity and debt funds that typically invest   
primarily in various strategies including leveraged buyout funds; power,  
 energy, timber and infrastructure development funds; venture capital funds;
and below investment grade debt and mezzanine debt funds. In the future,  
  distributions will be generated from investment gains, from operating income
from the underlying investments of the funds and from liquidation of the  
underlying assets of the funds, the exact timing of which is uncertain.   

(2)In connection with the adoption of new guidance related to the recognition   
and measurement of financial instruments (see Note 1), other limited      
partnership interests are measured at estimated fair value on a recurring 
basis, effective January 1, 2018.                                         

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

(3)During the year ended December 31, 2016, the Company recognized an           
  impairment of computer software in connection with the sale to Massachusetts
 Mutual Life Insurance Company ("MassMutual") of MetLife, Inc.'s U.S. retail
 advisor force and certain assets associated with the MetLife Premier Client
Group, including all of the issued and outstanding shares of MetLife's    
affiliated broker-dealer, MetLife Securities, Inc., a wholly-owned        
subsidiary of MetLife, Inc. (collectively, the "U.S. Retail Advisor Force 
Divestiture"). See Note 18.                                               

Fair Value of Financial Instruments Carried at Other Than Fair Value            

The following tables provide fair value information for financial         
instruments that are carried on the balance sheet at amounts other than fair    
value. These tables exclude the following financial instruments: cash and cash  
equivalents, accrued investment income, payables for collateral under           
securities loaned and other transactions, short-term debt and those short-term  
investments that are not securities, such as time deposits, and therefore are   
not included in the three-level hierarchy table disclosed in the "-- Recurring  
Fair Value Measurements" section. The estimated fair value of the excluded      
financial instruments, which are primarily classified in Level 2, approximates  
carrying value as they are short-term in nature such that the Company believes  
there is minimal risk of material changes in interest rates or credit quality.  
All remaining balance sheet amounts excluded from the tables below are not      
considered financial instruments subject to this disclosure.                    

The carrying values and estimated fair values for such financial          
instruments, and their corresponding placement in the fair value hierarchy, are 
summarized as follows at:                                                       

                                                        [Enlarge/Download Table]

                                                            December 31, 2018                
                                             ------------------------------------------------
                                                          Fair Value Hierarchy               
                                                       ---------------------------           
                                                                                     Total   
                                             Carrying                              Estimated 
                                              Value    Level 1  Level 2   Level 3  Fair Value
                                             --------- ------- --------- --------- ----------
                                                              (In millions)                  
                                                                                             
Assets                                                                                       
Mortgage loans.............................. $  63,388 $    -- $      -- $  64,409 $  64,409 
Policy loans................................ $   6,061 $    -- $     269 $   6,712 $   6,981 
Other invested assets....................... $   2,940 $    -- $   2,673 $     146 $   2,819 
Premiums, reinsurance and other receivables. $  14,228 $    -- $     113 $  14,673 $  14,786 
Liabilities                                                                                  
Policyholder account balances............... $  72,194 $    -- $      -- $  72,689 $  72,689 
Long-term debt.............................. $   1,562 $    -- $   1,746 $      -- $   1,746 
Other liabilities........................... $  13,593 $    -- $     448 $  13,189 $  13,637 
Separate account liabilities................ $  50,578 $    -- $  50,578 $      -- $  50,578 

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                                            December 31, 2017                
                                             ------------------------------------------------
                                                          Fair Value Hierarchy               
                                                       ---------------------------           
                                                                                     Total   
                                             Carrying                              Estimated 
                                              Value    Level 1  Level 2   Level 3  Fair Value
                                             --------- ------- --------- --------- ----------
                                                              (In millions)                  
                                                                                             
Assets                                                                                       
Mortgage loans.............................. $  57,939 $    -- $      -- $  59,465 $  59,465 
Policy loans................................ $   6,006 $    -- $     261 $   6,797 $   7,058 
Other limited partnership interests......... $     214 $    -- $      -- $     212 $     212 
Other invested assets....................... $   2,260 $    -- $   2,028 $     154 $   2,182 
Premiums, reinsurance and other receivables. $  15,024 $    -- $     679 $  14,859 $  15,538 
Liabilities                                                                                  
Policyholder account balances............... $  75,323 $    -- $      -- $  76,452 $  76,452 
Long-term debt.............................. $   1,661 $    -- $   2,021 $      -- $   2,021 
Other liabilities........................... $  13,954 $    -- $     547 $  13,490 $  14,037 
Separate account liabilities................ $  61,757 $    -- $  61,757 $      -- $  61,757 

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

11. Long-term and Short-term Debt                                               

Long-term and short-term debt outstanding, excluding debt relating to     
consolidated securitization entities, was as follows:                           

                                                        [Enlarge/Download Table]

                                                                                      December 31,                           
                                                           ------------------------------------------------------------------

                      Interest Rates (1)                                 2018                             2017               
                    ----------------------                 -------------------------------- ---------------------------------

                                                                     Unamortized                      Unamortized            
                                    Weighted                Face     Discount and  Carrying  Face     Discount and  Carrying 
                        Range       Average   Maturity      Value   Issuance Costs  Value    Value   Issuance Costs Value (2)
                    -------------   -------- -----------   -------- -------------- -------- -------- -------------- ---------
                                                                                     (In millions)                           
                                                                                                                             
Surplus notes -                                                                                                              
 affiliated........ 7.38% -   7.38%  7.38%      2037       $    700    $   (9)     $    691 $    700    $  (10)     $    690 
Surplus notes...... 7.80% -   7.88%  7.83%   2024 -   2025      400        (2)          398      400        (3)          397 
Other notes (2).... 2.99% -   6.50%  4.92%   2020 -   2058      477        (4)          473      578        (4)          574 
                                                           --------    -------     -------- --------    -------     -------- 
 Total long-term                                                                                                             
  debt.............                                           1,577       (15)        1,562    1,678       (17)        1,661 
                                                           --------    -------     -------- --------    -------     -------- 
Total short-term                                                                                                             
 debt..............                                             129         --          129      243         --          243 
                                                           --------    -------     -------- --------    -------     -------- 
  Total............                                        $  1,706    $  (15)     $  1,691 $  1,921    $  (17)     $  1,904 
                                                           ========    =======     ======== ========    =======     ======== 

--------                                                                        

(1)Range of interest rates and weighted average interest rates are for the year 
ended December 31, 2018.                                                  

(2)During 2017, a subsidiary of Metropolitan Life Insurance Company issued      
$139 million of long-term debt to a third party.                          

  The aggregate maturities of long-term debt at December 31, 2018 for the next
five years and thereafter are $0 in 2019, $3 million in 2020, $0 in 2021,       
$297 million in 2022, $0 in 2023 and $1.3 billion thereafter.                   

Unsecured senior debt which consists of senior notes and other notes rank 
highest in priority. Payments of interest and principal on Metropolitan Life    
Insurance Company's surplus notes are subordinate to all other obligations and  
may be made only with the prior approval of the New York State Department of    
Financial Services ("NYDFS").                                                   

Term Loans                                                                      

MetLife Private Equity Holdings, LLC ("MPEH"), a wholly-owned indirect    
investment subsidiary, borrowed $350 million in December 2015 under a five-year 
credit agreement included within other notes in the table above. In November    
2017, this agreement was amended to extend the maturity to November 2022,       
change the amount MPEH may borrow on a revolving basis to $75 million from      
$100 million, and change the interest rate to a variable rate of three-month    
London Interbank Offered Rate ("LIBOR") plus 3.25%, payable quarterly, from a   
variable rate of three-month LIBOR plus 3.70%. In December 2018, this agreement 
was further amended to change the interest rate to a variable rate of           
three-month LIBOR plus 3.10%. In connection with the initial borrowing in 2015, 
$6 million of costs were incurred, and additional costs of $1 million were      
incurred in connection with the 2017 amendment, which have been capitalized and 
are being amortized over the term of the loans. MPEH has pledged invested       
assets to secure the loans; however, these loans are non-recourse to            
Metropolitan Life Insurance Company. In December 2018, MPEH repaid $50 million  
of the initial borrowing.                                                       

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

11. Long-term and Short-term Debt (continued)                                   

Short-term Debt                                                                 

Short-term debt with maturities of one year or less was as follows:       

                                                                [Download Table]

                               December 31,     
                           ---------------------
                              2018       2017   
                           ---------- ----------
                           (Dollars in millions)
                                                
Commercial paper.......... $       99 $      100
Short-term borrowings (1).         30        143
                           ---------- ----------
Total short-term debt..... $      129 $      243
                           ========== ==========
Average daily balance..... $      213 $      129
Average days outstanding..    42 days    97 days

--------                                                                        

(1) Represents short-term debt related to repurchase agreements, secured by     
assets of a subsidiary.                                                 

During the years ended December 31, 2018, 2017 and 2016, the weighted     
average interest rate on short-term debt was 3.03%, 1.63% and 0.42%,            
respectively.                                                                   

Interest Expense                                                                

    Interest expense included in other expenses was $108 million, $106 million
and $112 million for the years ended December 31, 2018, 2017 and 2016,      
respectively. These amounts include $52 million of interest expense related 
to affiliated debt for each of the three years ended December 31, 2018, 2017
and 2016.                                                                   

Credit Facility                                                                 

At December 31, 2018, MetLife, Inc. and MetLife Funding, Inc., a      
wholly-owned subsidiary of Metropolitan Life Insurance Company ("MetLife    
 Funding"), maintained a $3.0 billion unsecured revolving credit facility (the
"Credit Facility"). When drawn upon, this facility bears interest at varying
rates in accordance with the agreement.                                     

  The Company's Credit Facility is used for general corporate purposes, to
support the borrowers' commercial paper programs and for the issuance of    
letters of credit. Total fees associated with the Credit Facility were      
$6 million, $5 million and $8 million for the years ended December 31, 2018,
2017 and 2016, respectively, and were included in other expenses.           

 Information on the Credit Facility at December 31, 2018 was as follows:

                                                        [Enlarge/Download Table]

                                                Letters of Credit                                             
                                   Maximum         Used by the      Letters of Credit                Unused   
Borrower(s)    Expiration          Capacity        Company (1)    Used by Affiliates (1) Drawdowns Commitments
----------- ------------------ ---------------- ----------------- ---------------------- --------- -----------
                                                                (In millions)                                 
                                                                                                              

  MetLife,                                                                                                    
  Inc.                                                                                                        
  and                                                                                                         
  MetLife                                                                                                     
  Funding,                                                                                                    
  Inc...... December 2021 (2)  $      3,000 (2)    $      412           $      34         $    --  $    2,554 

--------                                                                        

(1) MetLife, Inc. and MetLife Funding are severally liable for their respective 
   obligations under the Credit Facility. MetLife Funding was not an applicant
under letters of credit outstanding as of December 31, 2018 and is not  
   responsible for any reimbursement obligations under such letters of credit.

(2) All borrowings under the Credit Facility must be repaid by December 20,     
   2021, except that letters of credit outstanding upon termination may remain
outstanding until December 20, 2022.                                    

Debt and Facility Covenants                                                     

Certain of the Company's debt instruments and the Credit Facility contain 
various administrative, reporting, legal and financial covenants. The Company   
believes it was in compliance with all applicable financial covenants at        
December 31, 2018.                                                              

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

12. Equity                                                                      

Stock-Based Compensation Plans                                                  

The Company does not issue any awards payable in its common stock or options
to purchase its common stock.                                                   

An affiliate employs the personnel who conduct most of the Company's        
business. In accordance with a services agreement with that affiliate, the      
Company bears a proportionate share of stock-based compensation expense for     
those employees. Stock-based compensation expense relate to Stock Options,      
Performance Shares and Restricted Stock Units under the MetLife, Inc. 2005      
Stock and Incentive Compensation Plan and the MetLife, Inc. 2015 Stock and      
Incentive Compensation Plan, most of which MetLife, Inc. granted in the first   
quarter of each year.                                                           

The Company's expense related to stock-based compensation included in other 
expenses was $35 million, $74 million and $89 million for the years ended       
December 31, 2018, 2017 and 2016, respectively.                                 

Statutory Equity and Income                                                     

See Note 3 for information on the disposition of NELICO and GALIC.          

Metropolitan Life Insurance Company prepares statutory-basis financial      
statements in accordance with statutory accounting practices prescribed or      
permitted by the NYDFS. The NAIC has adopted the Codification of Statutory      
Accounting Principles ("Statutory Codification"). Statutory Codification is     
intended to standardize regulatory accounting and reporting to state insurance  
departments. However, statutory accounting principles continue to be            
established by individual state laws and permitted practices. Modifications by  
the state insurance department may impact the effect of Statutory Codification  
on the statutory capital and surplus of Metropolitan Life Insurance Company.    

The state of domicile of Metropolitan Life Insurance Company imposes        
risk-based capital ("RBC") requirements that were developed by the National     
Association of Insurance Commissioners ("NAIC"). Regulatory compliance is       
determined by a ratio of a company's total adjusted capital, calculated in the  
manner prescribed by the NAIC ("TAC"), with modifications by the state          
insurance department, to its authorized control level RBC, calculated in the    
manner prescribed by the NAIC ("ACL RBC"), based on the statutory-based filed   
financial statements. Companies below specific trigger levels or ratios are     
classified by their respective levels, each of which requires specified         
corrective action. The minimum level of TAC before corrective action commences  
is twice ACL RBC ("CAL RBC"). The CAL RBC ratios for Metropolitan Life          
Insurance Company were in excess of 350% and 370% at December 31, 2018 and      
2017, respectively.                                                             

Metropolitan Life Insurance Company's foreign insurance operations are      
regulated by applicable authorities of the jurisdictions in which each entity   
operates and are subject to minimum capital and solvency requirements in those  
jurisdictions before corrective action commences. The aggregate required        
capital and surplus of Metropolitan Life Insurance Company's foreign insurance  
operations was $332 million and the aggregate actual regulatory capital and     
surplus of such operations was $378 million as of the date of the most recent   
required capital adequacy calculation for each jurisdiction. The Company's      
foreign insurance operations exceeded the minimum capital and solvency          
requirements as of the date of the most recent fiscal year-end capital adequacy 
calculation for each jurisdiction.                                              

 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 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 Metropolitan Life Insurance Company are net deferred income tax     
assets resulting from temporary differences between statutory accounting        
principles basis and tax basis not expected to reverse and become recoverable   
within three years. Further, statutory accounting principles do not give        
recognition to purchase accounting adjustments.                                 

New York has adopted certain prescribed accounting practices, that apply to 
Metropolitan Life Insurance Company, primarily consisting of the continuous     
Commissioners' Annuity Reserve Valuation Method, which impacts deferred         
annuities, and the New York Special Consideration Letter, which mandates        
certain assumptions in asset adequacy testing. The collective impact of these   
prescribed accounting practices decreased the statutory capital and surplus of  
Metropolitan Life Insurance Company for the years ended December 31, 2018 and   
2017 by $1.2 billion and $1.1 billion, respectively, compared to what capital   
and surplus would have been had it been measured under NAIC guidance.           

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

12. Equity (continued)                                                          

The tables below present amounts from Metropolitan Life Insurance Company,
which are derived from the statutory-basis financial statements as filed with   
the NYDFS.                                                                      

Statutory net income (loss) was as follows:                               

                                                        [Enlarge/Download Table]

                                                                Years Ended December 31,      
                                                           -----------------------------------
Company                                  State of Domicile    2018        2017        2016    
---------------------------------------- ----------------- ----------- ----------- -----------
                                                                      (In millions)           
                                                                                              
Metropolitan Life Insurance Company (1).     New York       $    3,656  $    1,982  $    3,444

(1)In December 2016, Metropolitan Life Insurance Company transferred all of the 
issued and outstanding shares of the common stock of each of NELICO and   
GALIC to MetLife, Inc., in the form of a non-cash extraordinary dividend. 

Statutory capital and surplus was as follows at:                          

                                                                [Download Table]

                                              December 31,         
                                     ------------------------------
Company                                   2018           2017      
------------------------------------ -------------- ---------------
                                             (In millions)         
                                                                   
Metropolitan Life Insurance Company.  $      11,098  $       10,384

Dividend Restrictions                                                           

 Under the New York State Insurance Law, Metropolitan Life Insurance Company
is permitted, without prior insurance regulatory clearance, to pay stockholder  
dividends to MetLife, Inc. in any calendar year based on either of two          
standards. Under one standard, Metropolitan Life Insurance Company is           
permitted, without prior insurance regulatory clearance, to pay dividends out   
of earned surplus (defined as positive unassigned funds (surplus), excluding    
85% of the change in net unrealized capital gains or losses (less capital gains 
tax), for the immediately preceding calendar year), in an amount up to the      
greater of: (i) 10% of its surplus to policyholders as of the end of the        
immediately preceding calendar year, or (ii) its statutory net gain from        
operations for the immediately preceding calendar year (excluding realized      
capital gains), not to exceed 30% of surplus to policyholders as of the end of  
the immediately preceding calendar year. In addition, under this standard,      
Metropolitan Life Insurance Company may not, without prior insurance regulatory 
clearance, pay any dividends in any calendar year immediately following a       
calendar year for which its net gain from operations, excluding realized        
capital gains, was negative. Under the second standard, if dividends are paid   
out of other than earned surplus, Metropolitan Life Insurance Company may,      
without prior insurance regulatory clearance, pay an amount up to the lesser    
of: (i) 10% of its surplus to policyholders as of the end of the immediately    
preceding calendar year, or (ii) its statutory net gain from operations for the 
immediately preceding calendar year (excluding realized capital gains). In      
addition, Metropolitan Life Insurance Company will be permitted to pay a        
dividend to MetLife, Inc. in excess of the amounts allowed under both standards 
only if it files notice of its intention to declare such a dividend and the     
amount thereof with the New York Superintendent of Financial Services (the      
"Superintendent") and the Superintendent either approves the distribution of    
the dividend or does not disapprove the dividend within 30 days of its filing.  
Under the New York State Insurance Law, the Superintendent has broad discretion 
in determining whether the financial condition of a stock life insurance        
company would support the payment of such dividends to its stockholder.         

Metropolitan Life Insurance Company paid $3.7 billion and $2.5 billion in 
dividends to MetLife, Inc. during the years ended December 31, 2018 and 2017,   
respectively, including amounts where regulatory approval was obtained as       
required. Under New York State Insurance Law, Metropolitan Life Insurance       
Company has calculated that it may pay approximately $3.1 billion to MetLife,   
Inc. without prior insurance regulatory approval during the year ended          
December 31, 2019.                                                              

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

12. Equity (continued)                                                          

Accumulated Other Comprehensive Income (Loss)                                   

Information regarding changes in the balances of each component of AOCI   
attributable to Metropolitan Life Insurance Company was as follows:             

                                                        [Enlarge/Download Table]

                           Unrealized                        Foreign      Defined                   
                        Investment Gains     Unrealized     Currency      Benefit                   
                        (Losses), Net of   Gains (Losses)  Translation     Plans                    
                       Related Offsets (1) on Derivatives   Adjustments  Adjustment       Total     
                      -------------------- -------------- ------------- ------------  ------------- 
                                                      (In millions)                                 
                                                                                                    
Balance at                                                                                          
 December 31, 2015...     $      3,337      $      1,436    $      (74)  $    (2,014)  $      2,685 
OCI before                                                                                          
 reclassifications...              792              (141)          (11)           (4)           636 
Deferred income                                                                                     
 tax benefit                                                                                        
 (expense)...........             (286)               49             3            (5)          (239)
                         -------------     -------------   -----------  ------------  ------------- 
 AOCI before                                                                                        
   reclassifications,                                                                               
   net of income                                                                                    
   tax...............            3,843             1,344           (82)       (2,023)         3,082 
Amounts                                                                                             
 reclassified from                                                                                  
 AOCI................               71               177            --           191            439 
Deferred income                                                                                     
 tax benefit                                                                                        
 (expense)...........              (26)              (62)           --           (60)          (148)
                         -------------     -------------   -----------  ------------  ------------- 
 Amounts                                                                                            
   reclassified                                                                                     
   from AOCI, net                                                                                   
   of income tax.....               45               115            --           131            291 
                         -------------     -------------   -----------  ------------  ------------- 
Dispositions (2).....             (456)               --            23            30           (403)
Deferred income                                                                                     
 tax benefit                                                                                        
 (expense)...........              160                --            (8)           (3)           149 
                         -------------     -------------   -----------  ------------  ------------- 
 Dispositions, net                                                                                  
   of income tax.....             (296)               --            15            27           (254)
                         -------------     -------------   -----------  ------------  ------------- 
Balance at                                                                                          
 December 31, 2016...            3,592             1,459           (67)       (1,865)         3,119 
OCI before                                                                                          
 reclassifications...            3,977               122            26           (30)         4,095 
Deferred income                                                                                     
 tax benefit                                                                                        
 (expense)...........           (1,287)              (43)           (6)           11         (1,325)
                         -------------     -------------   -----------  ------------  ------------- 
 AOCI before                                                                                        
   reclassifications,                                                                               
   net of income                                                                                    
   tax...............            6,282             1,538           (47)       (1,884)         5,889 
Amounts                                                                                             
 reclassified from                                                                                  
 AOCI................              102              (970)           --           159           (709)
Deferred income                                                                                     
 tax benefit                                                                                        
 (expense)...........              (33)              338            --           (57)           248 
                         -------------     -------------   -----------  ------------  ------------- 
 Amounts                                                                                            
   reclassified                                                                                     
   from AOCI, net                                                                                   
   of income tax.....               69              (632)           --           102           (461)
                         -------------     -------------   -----------  ------------  ------------- 
Balance at                                                                                          
 December 31, 2017...            6,351               906           (47)       (1,782)         5,428 
OCI before                                                                                          
 reclassifications...           (6,326)              (82)          (20)           67         (6,361)
Deferred income                                                                                     
 tax benefit                                                                                        
 (expense)...........            1,381                19            --           (45)         1,355 
                         -------------     -------------   -----------  ------------  ------------- 
 AOCI before                                                                                        
   reclassifications,                                                                               
   net of income                                                                                    
   tax...............            1,406               843           (67)       (1,760)           422 
Amounts                                                                                             
 reclassified from                                                                                  
 AOCI................                8               428            --            34            470 
Deferred income                                                                                     
 tax benefit                                                                                        
 (expense)...........               (2)              (96)           --           (13)          (111)
                         -------------     -------------   -----------  ------------  ------------- 
 Amounts                                                                                            
   reclassified                                                                                     
   from AOCI, net                                                                                   
   of income tax.....                6               332            --            21            359 
                         -------------     -------------   -----------  ------------  ------------- 
Cumulative effects                                                                                  
 of changes in                                                                                      
 accounting                                                                                         
 principles..........             (119)               --            --            --           (119)
Deferred income                                                                                     
 tax benefit                                                                                        
 (expense),                                                                                         
 cumulative                                                                                         
 effects of                                                                                         
 changes in                                                                                         
 accounting                                                                                         
 principles..........            1,222               207            (7)         (379)         1,043 
                         -------------     -------------   -----------  ------------  ------------- 
 Cumulative                                                                                         
   effects of                                                                                       
   changes in                                                                                       
   accounting                                                                                       
   principles, net                                                                                  
   of income tax                                                                                    
   (3)...............            1,103               207            (7)         (379)           924 
                         -------------     -------------   -----------  ------------  ------------- 
Transfer to                                                                                         
 affiliate, net of                                                                                  
 tax (4).............               --                --            --         1,857          1,857 
                         -------------     -------------   -----------  ------------  ------------- 
Balance at                                                                                          
 December 31, 2018...     $      2,515      $      1,382    $      (74)  $      (261)  $      3,562 
                         =============     =============   ===========  ============  ============= 

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

(1) See Note 8 for information on offsets to investments related to future      
policy benefits, DAC, VOBA and DSI, and the policyholder dividend       
obligation.                                                             

(2) See Note 3.                                                                 

(3) See Note 1 for further information on adoption of new accounting            
pronouncements.                                                         

(4) See Note 14.                                                                

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

12. Equity (continued)                                                          

  Information regarding amounts reclassified out of each component of AOCI was
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                                                                Consolidated Statements of   
AOCI Components                                         Amounts Reclassified from AOCI             Operations Locations      
-------------------------------------------------  ---------------------------------------     ------------------------------
                                                           Years Ended December 31,                                          
                                                   ---------------------------------------                                   
                                                       2018           2017          2016                                     
                                                   ------------   -----------   ------------                                 
                                                                (In millions)                                                
                                                                                                                             
Net unrealized investment gains (losses):                                                                                    
Net unrealized investment gains (losses)..........  $        89    $       12    $        10   Net investment gains (losses) 
Net unrealized investment gains (losses)..........           18             3             21   Net investment income         
Net unrealized investment gains (losses)..........         (115)         (117)          (102)  Net derivative gains (losses) 
                                                   ------------   -----------   ------------                                 
 Net unrealized investment gains (losses), before                                                                            
   income tax.....................................           (8)         (102)           (71)                                
Income tax (expense) benefit......................            2            33             26                                 
                                                   ------------   -----------   ------------                                 
 Net unrealized investment gains (losses), net of                                                                            
   income tax.....................................           (6)          (69)           (45)                                
                                                   ------------   -----------   ------------                                 
Unrealized gains (losses) on derivatives - cash                                                                              
 flow hedges:                                                                                                                
Interest rate swaps...............................           23            24             57   Net derivative gains (losses) 
Interest rate swaps...............................           18            16             12   Net investment income         
Interest rate forwards............................           (1)          (11)            (1)  Net derivative gains (losses) 
Interest rate forwards............................            2             2              3   Net investment income         
Foreign currency swaps............................         (469)          938           (251)  Net derivative gains (losses) 
Foreign currency swaps............................           (3)           (1)            (1)  Net investment income         
Credit forwards...................................            1             1              3   Net derivative gains (losses) 
Credit forwards...................................            1             1              1   Net investment income         
                                                   ------------   -----------   ------------                                 
 Gains (losses) on cash flow hedges, before                                                                                  
   income tax.....................................         (428)          970           (177)                                
Income tax (expense) benefit......................           96          (338)            62                                 
                                                   ------------   -----------   ------------                                 
 Gains (losses) on cash flow hedges, net of                                                                                  
   income tax.....................................         (332)          632           (115)                                
                                                   ------------   -----------   ------------                                 
Defined benefit plans adjustment: (1)                                                                                        
Amortization of net actuarial gains (losses)......          (35)         (179)          (198)                                
Amortization of prior service (costs) credit......            1            20              7                                 
                                                   ------------   -----------   ------------                                 
 Amortization of defined benefit plan items,                                                                                 
   before income tax..............................          (34)         (159)          (191)                                
Income tax (expense) benefit......................           13            57             60                                 
                                                   ------------   -----------   ------------                                 
 Amortization of defined benefit plan items, net                                                                             
   of income tax..................................          (21)         (102)          (131)                                
                                                   ------------   -----------   ------------                                 
 Total reclassifications, net of income tax.......  $      (359)   $      461    $      (291)                                
                                                   ============   ===========   ============                                 

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

(1)These AOCI components are included in the computation of net periodic        
benefit costs. See Note 14.                                               

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

13. Other Revenues and Other Expenses                                           

Other Revenues                                                                  

Information on other revenues, which primarily includes fees related to   
service contracts from customers, was as follows:                               

                                                                [Download Table]

                                                           Year Ended    
                                                        -----------------
                                                        December 31, 2018
                                                        -----------------
                                                          (In millions)  
                                                                         
Prepaid legal plans....................................    $        286  
Recordkeeping and administrative services (1)..........             220  
Administrative services-only contracts.................             205  
Other revenue from service contracts from customers....              38  
                                                          -------------  
  Total revenues from service contracts from customers.    $        749  
Other (2)..............................................             837  
                                                          -------------  
  Total other revenues.................................    $      1,586  
                                                          =============  

--------                                                                        

(1)Related to products and businesses no longer actively marketed by the        
Company.                                                                  

(2)Other primarily includes reinsurance ceded. See Note 6.                      

Other Expenses                                                                  

Information on other expenses was as follows:                             

                                                                [Download Table]

                                                          Years Ended December 31,
                                                          ----------------------  
                                                           2018     2017    2016  
                                                          ------   ------  ------ 
                                                               (In millions)      
                                                                                  
General and administrative expenses...................... $2,458   $2,608  $2,598 
Pension, postretirement and postemployment benefit costs.     66      167     251 
Premium taxes, other taxes, and licenses & fees..........    366      273     367 
Commissions and other variable expenses..................  1,757    1,801   2,366 
Capitalization of DAC....................................    (34)     (61)   (332)
Amortization of DAC and VOBA.............................    470      241     441 
Interest expense on debt.................................    108      106     112 
                                                          ------   ------  ------ 
  Total other expenses................................... $5,191   $5,135  $5,803 
                                                          ======   ======  ====== 

Capitalization of DAC and Amortization of DAC and VOBA                          

See Note 5 for additional information on DAC and VOBA including impacts of  
capitalization and amortization. See also Note 7 for a description of the DAC   
amortization impact associated with the closed block.                           

Expenses related to Debt                                                        

See Note 11 for additional information on interest expense on debt.         

Affiliated Expenses                                                             

Commissions and other variable expenses, capitalization of DAC and        
amortization of DAC and VOBA include the impact of affiliated reinsurance       
transactions. See Notes 6, 11 and 18 for a discussion of affiliated expenses    
included in the table above.                                                    

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

13. Other Revenues and Other Expenses (continued)                               

Restructuring Charges                                                           

In 2016, the Company completed a previous enterprise-wide strategic       
initiative. These restructuring charges are included in other expenses. As the  
expenses relate to an enterprise-wide initiative, they are reported in          
Corporate & Other. Information regarding restructuring charges was as follows:  

                                                        [Enlarge/Download Table]

                                                                       Year Ended December 31, 2016   
                                                                    --------------------------------- 
                                                                                Lease and             
                                                                                  Asset               
                                                                     Severance  Impairment    Total   
                                                                    ----------  ---------- ---------- 
                                                                              (In millions)           
                                                                                                      
Balance at January 1,.............................................. $       17  $       4  $       21 
Restructuring charges..............................................         --          1           1 
Cash payments......................................................        (17)        (4)        (21)
                                                                    ----------  ---------  ---------- 
Balance at December 31,............................................ $       --  $       1  $        1 
                                                                    ==========  =========  ========== 
Total restructuring charges incurred since inception of initiative. $      306  $      47  $      353 
                                                                    ==========  =========  ========== 

14. Employee Benefit Plans                                                      

Pension and Other Postretirement Benefit Plans                                  

Through September 30, 2018, the Company sponsored and administered various
qualified and nonqualified defined benefit pension plans and other              
postretirement employee benefit plans covering employees who meet specified     
eligibility requirements. Pension benefits are provided utilizing either a      
traditional formula or cash balance formula. The traditional formula provides   
benefits that are primarily based upon years of credited service and either     
final average or career average earnings. The cash balance formula utilizes     
hypothetical or notional accounts which credit participants with benefits equal 
to a percentage of eligible pay, as well as interest credits, determined        
annually based upon the annual rate of interest on 30-year U.S. Treasury        
securities, for each account balance. In September 2018, the qualified and      
nonqualified defined benefit pension plans were amended, effective January 1,   
2023, to provide benefits accruals for all active participants under the cash   
balance formula and to cease future accruals under the traditional formula. The 
nonqualified pension plans provide supplemental benefits in excess of limits    
applicable to a qualified plan. Participating affiliates are allocated an       
equitable share of net expense related to the plans, proportionate to other     
expenses being allocated to these affiliates.                                   

  Through September 30, 2018, the Company also provided certain postemployment
benefits and certain postretirement medical and life insurance benefits for     
retired employees. Employees of MetLife who were hired prior to 2003 (or, in    
certain cases, rehired during or after 2003) and meet age and service criteria  
while working for the Company may become eligible for these other               
postretirement benefits, at various levels, in accordance with the applicable   
plans. Virtually all retirees, or their beneficiaries, contribute a portion of  
the total costs of postretirement medical benefits. Employees of MetLife hired  
after 2003 are not eligible for any employer subsidy for postretirement medical 
benefits. Participating affiliates are allocated a proportionate share of net   
expense and contributions related to the postemployment and other               
postretirement plans. In September 2018, the postretirement medical and life    
insurance benefit plans were amended, effective January 1, 2023, to discontinue 
the accrual of the employer subsidy credits for eligible employees.             

As of October 1, 2018, except for the nonqualified defined benefit pension
plan, the plan sponsor was changed from the Company to an affiliate (the        
"Transferred Plans"). The Company transferred the net benefit obligation and    
plan assets at book value as of September 30, 2018 as an additional             
paid-in-capital transaction, including the related unrecognized AOCI. The       
Company remains a participating affiliate of the Transferred Plans.             

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

Obligations and Funded Status                                               

                                                        [Enlarge/Download Table]

                                                                             December 31,                           
                                                   ---------------------------------------------------------------- 
                                                                 2018                             2017              
                                                   --------------------------------  ------------------------------ 
                                                                         Other                           Other      
                                                       Pension        Postretirement    Pension       Postretirement
                                                       Benefits (1)     Benefits      Benefits (1)      Benefits    
                                                   ---------------- ---------------- -------------  ----------------
                                                                             (In millions)                          
                                                                                                                    
Change in benefit obligations:                                                                                      
Benefit obligations at January 1,.................   $      10,479    $      1,656    $      9,837    $      1,742  
Transfer to affiliate (2).........................          (9,316)         (1,648)             --              --  
Service costs.....................................              18              --             169               6  
Interest costs....................................              42               1             415              75  
Plan participants' contributions..................              --              --              --              33  
Plan amendments...................................             (20)             --              --              --  
Net actuarial (gains) losses......................             (40)             (2)            618             (96) 
Divestitures, settlements and curtailments........              --              15               3               2  
Benefits paid.....................................             (83)             (1)           (563)           (106) 
Effect of foreign currency translation............              --              (2)             --              --  
                                                    --------------   -------------   -------------   -------------  
 Benefit obligations at December 31,..............           1,080              19          10,479           1,656  
                                                    --------------   -------------   -------------   -------------  
Change in plan assets:                                                                                              
Estimated fair value of plan assets at January 1,.           9,371           1,426           8,721           1,379  
Transfer to affiliate (2).........................          (9,371)         (1,426)             --              --  
Actual return on plan assets......................              --               2             947             124  
Divestitures, settlements and curtailments........              --              18              --              --  
Plan participants' contributions..................              --              --              --              33  
Employer contributions............................              83              --             266              (4) 
Benefits paid.....................................             (83)             (1)           (563)           (106) 
Foreign exchange impact...........................              --              (1)             --              --  
                                                    --------------   -------------   -------------   -------------  
 Estimated fair value of plan assets at                                                                             
   December 31,...................................              --              18           9,371           1,426  
                                                    --------------   -------------   -------------   -------------  
 Over (under) funded status at December 31,.......   $      (1,080)   $         (1)   $     (1,108)   $       (230) 
                                                    ==============   =============   =============   =============  
Amounts recognized on the consolidated balance                                                                      
 sheets:                                                                                                            
Other assets......................................   $          --    $          5    $         55    $        160  
Other liabilities.................................          (1,080)             (6)         (1,163)           (390) 
                                                    --------------   -------------   -------------   -------------  
 Net amount recognized............................   $      (1,080)   $         (1)   $     (1,108)   $       (230) 
                                                    ==============   =============   =============   =============  
AOCI:                                                                                                               
Net actuarial (gains) losses......................   $         360    $         (5)   $      2,831    $        (55) 
Prior service costs (credit)......................             (22)              1             (10)            (26) 
                                                    --------------   -------------   -------------   -------------  
 AOCI, before income tax..........................   $         338    $         (4)   $      2,821    $        (81) 
                                                    ==============   =============   =============   =============  
 Accumulated benefit obligation...................   $       1,040             N/A    $     10,180             N/A  
                                                    ==============                   =============                  

--------                                                                        

(1) Includes nonqualified unfunded plans, for which the aggregate PBO was       
  $1.1 billion and $1.2 billion at December 31, 2018 and 2017, respectively.

(2) Transfer to affiliate represents the Transferred Plans' book value as of    
   September 30, 2018, net of the related 2018 net periodic benefit costs. See
"-- Net Periodic Benefit Costs."                                        

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

Information for pension plans with PBOs in excess of plan assets and      
accumulated benefit obligations ("ABO") in excess of plan assets was as follows 
at:                                                                             

                                                        [Enlarge/Download Table]

                                                            December 31,                                  
                                         -----------------------------------------------------------------
                                                2018          2017               2018             2017    
                                           ------------    ------------     ------------    ------------  
                                         PBO Exceeds Estimated Fair Value ABO Exceeds Estimated Fair Value
                                              of Plan Assets                   of Plan Assets             
                                         -------------------------------- --------------------------------
                                                                    (In millions)                         
                                                                                                          
Projected benefit obligations........... $      1,080     $      1,163    $      1,080     $      1,163   
Accumulated benefit obligations......... $      1,040     $      1,116    $      1,040     $      1,116   
Estimated fair value of plan assets..... $         --     $         --    $         --     $         --   

Net Periodic Benefit Costs                                                  

  The components of net periodic benefit costs and other changes in plan
assets and benefit obligations recognized in OCI were as follows:         

                                                        [Enlarge/Download Table]

                                                                          Years Ended December 31,                               
                                           ------------------------------------------------------------------------------------- 
                                                       2018                         2017                         2016            
                                           ---------------------------  ---------------------------  --------------------------- 
                                                            Other                        Other                        Other      
                                            Pension      Postretirement  Pension      Postretirement  Pension      Postretirement
                                            Benefits       Benefits      Benefits       Benefits      Benefits       Benefits    
                                           ----------  ---------------- ----------  ---------------- ----------  ----------------
                                                                               (In millions)                                     
                                                                                                                                 
Net periodic benefit costs:                                                                                                      
Service costs.............................   $    123      $        4     $    169     $          6    $    203       $     9    
Interest costs............................        290              41          415               75         415            82    
Settlement and curtailment costs (1)......         --              --            3                2           1            30    
Expected return on plan assets............       (394)            (54)        (509)             (72)       (527)          (74)   
Amortization of net actuarial (gains)                                                                                            
 losses...................................        142             (26)         189               --         188            10    
Amortization of prior service costs                                                                                              
 (credit).................................         (1)            (14)          (1)             (22)         (1)           (6)   
Allocated to affiliates...................        (66)             19          (48)               1         (64)           (9)   
                                           ----------    ------------   ----------   --------------  ----------     ---------    
 Total net periodic benefit costs                                                                                                
   (credit) (2)...........................         94             (30)         218              (10)        215            42    
                                           ----------    ------------   ----------   --------------  ----------     ---------    
Other changes in plan assets and benefit                                                                                         
 obligations recognized in OCI:                                                                                                  
Net actuarial (gains) losses..............        (40)             (4)         181             (148)        176          (121)   
Prior service costs (credit)..............        (20)             --           --               --         (11)          (40)   
Amortization of net actuarial (gains)                                                                                            
 losses...................................        (35)             --         (189)              --        (188)          (10)   
Amortization of prior service (costs)                                                                                            
 credit...................................          1              --            1               22           1             6    
Transfer to affiliate (3).................     (2,389)             81           --               --          --            --    
Dispositions (4)..........................         --              --           --               --         (32)            2    
                                           ----------    ------------   ----------   --------------  ----------     ---------    
 Total recognized in OCI..................     (2,483)             77           (7)           (126)         (54)         (163)   
                                           ----------    ------------   ----------   --------------  ----------     ---------    
 Total recognized in net periodic benefit                                                                                        
   costs and OCI..........................   $ (2,389)     $       47     $    211     $      (136)    $    161       $  (121)   
                                           ==========    ============   ==========   ==============  ==========     =========    

--------                                                                        

(1) The Company recognized curtailment charges in 2016 on certain               
postretirement benefit plans in connection with the U.S. Retail Advisor 
Force Divestiture. See Note 18.                                         

(2) Includes costs (credit) related to Transferred Plans of $65 million and     
($49) million for pension benefits and other postretirement benefits,   
respectively, for the year ended December 31, 2018.                     

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

(3) Transfer to affiliate represents the Transferred Plans' book value as of    
September 30, 2018, net of the related 2018 other changes in plan assets
and benefit obligations recognized in OCI.                              

(4) See Note 3.                                                                 

The estimated net actuarial (gains) losses and prior service costs    
(credit) for the defined benefit pension plans that will be amortized from  
AOCI into net periodic benefit costs over the next year are $25 million and 
($3) million, respectively.                                                 

Assumptions                                                                 

Assumptions used in determining benefit obligations were as follows:  

                                                                [Download Table]

                                   Pension Benefits   Other Postretirement Benefits
                               -------------------- -------------------------------
                                                                                   
December 31, 2018                                                                  
Weighted average discount rate        4.35%                      3.75%             
Rate of compensation increase.   2.25%  -  8.50%                  N/A              
December 31, 2017                                                                  
Weighted average discount rate        3.65%                      3.70%             
Rate of compensation increase.   2.25%  -  8.50%                  N/A              

Assumptions used in determining net periodic benefit costs for the    
U.S. plans were as follows:                                                 

                                                                [Download Table]

                                   Pension Benefits   Other Postretirement Benefits
                               -------------------- -------------------------------
                                                                                   
Year Ended December 31, 2018                                                       
Weighted average discount rate        3.65%                      3.70%             
Weighted average expected                                                          
 rate of return on plan assets        5.75%                      5.11%             
Rate of compensation increase.   2.25%  -  8.50%                  N/A              
Year Ended December 31, 2017                                                       
Weighted average discount rate        4.30%                      4.45%             
Weighted average expected                                                          
 rate of return on plan assets        6.00%                      5.36%             
Rate of compensation increase.   2.25%  -  8.50%                  N/A              
Year Ended December 31, 2016                                                       
Weighted average discount rate        4.13%                      4.37%             
Weighted average expected                                                          
 rate of return on plan assets        6.00%                      5.53%             
Rate of compensation increase.   2.25%  -  8.50%                  N/A              

The weighted average discount rate is determined annually based on the
yield, measured on a yield to worst basis, of a hypothetical portfolio      
 constructed of high quality debt instruments available on the valuation date,
which would provide the necessary future cash flows to pay the aggregate PBO
when due.                                                                   

 The weighted average expected rate of return on plan assets is based on
anticipated performance of the various asset sectors in which the plan      
invests, weighted by target allocation percentages. Anticipated future      
performance is based on long-term historical returns of the plan assets by  
sector, adjusted for the Company's long-term expectations on the performance
of the markets. While the precise expected rate of return derived using this
approach will fluctuate from year to year, the Company's policy is to hold  
this long-term assumption constant as long as it remains within reasonable  
tolerance from the derived rate.                                            

    The weighted average expected rate of return on plan assets for use in the
plan valuation in 2019 is currently anticipated to be 4.00% for other       
postretirement benefits.                                                    

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

 The assumed healthcare costs trend rates used in measuring the APBO and
net periodic benefit costs were as follows:                                 

                                                        [Enlarge/Download Table]

                                                                   December 31,                 
                                                   ---------------------------------------------
                                                            2018                   2017         
                                                   ---------------------- ----------------------
                                                      Before   Age 65 and    Before   Age 65 and
                                                    Age 65      older      Age 65      older    
                                                   --------- ------------ --------- ------------
                                                                                                
Following year....................................   6.6%        6.6%       5.6%        6.6%    
Ultimate rate to which cost increase is assumed                                                 
 to decline.......................................   4.0%        4.0%       4.0%        4.3%    
Year in which the ultimate trend rate is reached..   2040        2040       2086        2098    

   Assumed healthcare costs trend rates may have a significant effect on the
amounts reported for healthcare plans. A 1% change in assumed healthcare    
costs trend rates would have the following effects as of December 31, 2018: 

                                                        [Enlarge/Download Table]

                                                            One Percent   One Percent
                                                            Increase      Decrease   
                                                          ------------- -------------
                                                                 (In millions)       
                                                                                     
Effect on total of service and interest costs components.  $        --   $        -- 
Effect of accumulated postretirement benefit obligations.  $         1   $       (1) 

Plan Assets                                                                 

 Through September 30, 2018, the Company provided MetLife employees with
benefits under various Employee Retirement Income Security Act of           
1974 ("ERISA") benefit plans. These include qualified pension plans,        
 postretirement medical plans and certain retiree life insurance coverage. The
assets of the Company's qualified pension plans are held in an insurance    
group annuity contract, and the vast majority of the assets of the          
 postretirement medical plan and backing the retiree life coverage are held in
 a trust which largely utilizes insurance contracts to hold the assets. All of
 these contracts are issued by the Company, and the assets under the contracts
are held in insurance separate accounts that have been established by the   
Company. The underlying assets of the separate accounts are principally     
comprised of cash and cash equivalents, short-term investments, fixed       
 maturity securities AFS, equity securities, derivatives, real estate, private
equity investments and hedge fund investments.                              

The insurance contract provider engages investment management         
firms ("Managers") to serve as sub-advisors for the separate accounts based 
on the specific investment needs and requests identified by the plan        
fiduciary. These Managers have portfolio management discretion over the     
purchasing and selling of securities and other investment assets pursuant to
the respective investment management agreements and guidelines established  
for each insurance separate account. The assets of the qualified pension    
plans and postretirement medical plans (the "Invested Plans") are well      
 diversified across multiple asset categories and across a number of different
Managers, with the intent of minimizing risk concentrations within any given
asset category or with any of the given Managers.                           

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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

The Invested Plans, other than those held in participant directed     
investment accounts, are managed in accordance with investment policies     
consistent with the longer-term nature of related benefit obligations and   
within prudent risk parameters. Specifically, investment policies are       
oriented toward (i) maximizing the Invested Plan's funded status;           
(ii) minimizing the volatility of the Invested Plan's funded status;        
(iii) generating asset returns that exceed liability increases; and         
(iv) targeting rates of return in excess of a custom benchmark and industry 
standards over appropriate reference time periods. These goals are expected 
to be met through identifying appropriate and diversified asset classes and 
allocations, ensuring adequate liquidity to pay benefits and expenses when  
due and controlling the costs of administering and managing the Invested    
Plan's investments. Independent investment consultants are periodically used
to evaluate the investment risk of the Invested Plan's assets relative to   
liabilities, analyze the economic and portfolio impact of various asset     
allocations and management strategies and recommend asset allocations.      

Derivative contracts may be used to reduce investment risk, to manage 
 duration and to replicate the risk/return profile of an asset or asset class.
 Derivatives may not be used to leverage a portfolio in any manner, such as to
magnify exposure to an asset, asset class, interest rates or any other      
financial variable. Derivatives are also prohibited for use in creating     
exposures to securities, currencies, indices or any other financial variable
that is otherwise restricted.                                               

  As part of the plan sponsor changes, the plan assets associated with the
 table below were transferred to an affiliate as of October 1, 2018. The table
 below summarizes the actual weighted average allocation of the estimated fair
value of total plan assets by major asset class at December 31, 2017 for the
Invested Plans:                                                             

                                                                [Download Table]

                                                                Other Postretirement
                                             Pension Benefits      Benefits (1)     
                                         -------------------- ----------------------
                                                Actual                Actual        
                                              Allocation            Allocation      
                                         -------------------- ----------------------
                                                                                    
Asset Class                                                                         
Fixed maturity securities AFS...........               82%                   84%    
Equity securities (2)...................               10%                   15%    
Alternative securities (3)..............                8%                    1%    
                                            --------------        --------------    
   Total assets.........................              100%                  100%    
                                            ==============        ==============    

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

(1) Other postretirement benefits do not reflect postretirement life insurance  
plan assets invested in fixed maturity securities AFS.                  

(2) Equity securities percentage includes derivative assets.                    

(3) Alternative securities primarily include hedge, private equity and real     
estate funds.                                                           

Estimated Fair Value                                                        

  The pension and other postretirement benefit plan assets are categorized
into a three-level fair value hierarchy, as described in Note 10, based upon
the significant input with the lowest level in its valuation. The Level 2   
 asset category includes certain separate accounts that are primarily invested
 in liquid and readily marketable securities. The estimated fair value of such
separate accounts is based upon reported NAV provided by fund managers and  
this value represents the amount at which transfers into and out of the     
respective separate account are effected. These separate accounts provide   
reasonable levels of price transparency and can be corroborated through     
observable market data. Directly held investments are primarily invested in 
U.S. and foreign government and corporate securities. The Level 3 asset     
category includes separate accounts that are invested in assets that provide
little or no price transparency due to the infrequency with which the       
 underlying assets trade and generally require additional time to liquidate in
an orderly manner. Accordingly, the values for separate accounts invested in
these alternative asset classes are based on inputs that cannot be readily  
derived from or corroborated by observable market data.                     

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

At December 31, 2018, other postretirement plan assets measured at    
estimated fair value on a recurring basis were $18 million and were         
classified as short-term investments Level 2. At December 31, 2017, the     
 pension and other postretirement plan assets measured at estimated fair value
on a recurring basis and their corresponding placement in the fair value    
hierarchy are summarized as follows:                                        

                                                        [Enlarge/Download Table]

                                                                     December 31, 2017                                 
                                    -----------------------------------------------------------------------------------
                                                Pension Benefits                    Other Postretirement Benefits      
                                    ----------------------------------------- -----------------------------------------
                                        Fair Value Hierarchy                            Fair Value Hierarchy           
                                    -----------------------------             -----------------------------------------
                                                                     Total                                     Total   
                                                                   Estimated                                 Estimated 
                                      Level 1   Level 2   Level 3  Fair Value   Level 1   Level 2   Level 3  Fair Value
                                    --------- --------- --------- ----------- --------- --------- --------- -----------
                                                                       (In millions)                                   
                                                                                                                       
Assets                                                                                                                 
Fixed maturity securities AFS:                                                                                         
Corporate..........................  $    --   $  3,726   $    1    $  3,727    $   20    $  362     $--      $    382 
U.S. government bonds..............    1,256        528       --       1,784       269         6      --           275 
Foreign bonds......................       --        937       --         937        --        94      --            94 
Federal agencies...................       35        134       --         169        --        17      --            17 
Municipals.........................       --        335       --         335        --        28      --            28 
Short-term investments.............      135        192       --         327         8       391      --           399 
Other (1)..........................        7        383        9         399        --        68      --            68 
                                    --------  ---------  -------   ---------   -------   -------    ----     --------- 
  Total fixed maturity securities                                                                                      
   AFS.............................    1,433      6,235       10       7,678       297       966      --         1,263 
                                    --------  ---------  -------   ---------   -------   -------    ----     --------- 
Equity securities..................      797         91        3         891       153        --      --           153 
Other investments..................       --        144      622         766        --         9      --             9 
Derivative assets..................       33          2        1          36         1        --      --             1 
                                    --------  ---------  -------   ---------   -------   -------    ----     --------- 
  Total assets.....................  $ 2,263   $  6,472   $  636    $  9,371    $  451    $  975     $--      $  1,426 
                                    ========  =========  =======   =========   =======   =======    ====     ========= 

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

(1) Other primarily includes money market securities, mortgage-backed           
securities, collateralized mortgage obligations and ABS.                

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

   A rollforward of all pension and other postretirement benefit plan assets
measured at estimated fair value on a recurring basis using significant     
unobservable (Level 3) inputs was as follows:                               

                                                        [Enlarge/Download Table]

                                                  Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                                  ---------------------------------------------------------------------- 
                                                                       Pension Benefits                                  
                                                  ---------------------------------------------------------------------- 
                                                  Fixed Maturity Securities                                              
                                                          AFS:                                                           
                                                  --------------------------                                             
                                                                                Equity          Other        Derivative  
                                                   Corporate     Other (1)     Securities     Investments     Assets     
                                                  ----------    ----------    -----------    ------------   -----------  
                                                                        (In millions)                                    
                                                                                                                         
Balance, January 1, 2017.........................   $    --       $    9         $   --        $    634       $    64    
Realized gains (losses)..........................       (10)          --              2              --           (22)   
Unrealized gains (losses)........................        10           --             --             (12)            6    
Purchases, sales, issuances and settlements, net.        --            7             (4)             --           (47)   
Transfers into and/or out of Level 3.............         1           (7)             5              --            --    
                                                  ----------    ----------    -----------    ------------   -----------  
Balance, December 31, 2017.......................   $     1       $    9         $    3        $    622       $     1    
Realized gains (losses)..........................        --           --             --              --            --    
Unrealized gains (losses)........................        --           --             --              --            --    
Purchases, sales, issuances and settlements, net.        --           --             --              --            --    
Transfers into and/or out of Level 3.............        --           --             --              --            --    
Transfer to affiliate............................        (1)          (9)            (3)           (622)           (1)   
                                                  ----------    ----------    -----------    ------------   -----------  
Balance, December 31, 2018.......................   $    --       $   --         $   --        $     --       $    --    
                                                  ==========    ==========    ===========    ============   ===========  

--------                                                                        

(1) Other includes ABS and collateralized mortgage obligations.                 

For the years ended December 31, 2018 and 2017, there were no other   
postretirement benefit plan assets measured at estimated fair value on a    
recurring basis using significant unobservable (Level 3) inputs.            

Expected Future Contributions and Benefit Payments                          

 Benefit payments due under the nonqualified pension plans are primarily
funded from the Company's general assets as they become due under the       
provisions of the plans, and therefore benefit payments equal employer      
contributions. The Company expects to make contributions of $70 million to  
fund the benefit payments in 2019.                                          

Postretirement benefits are either: (i) not vested under law; (ii) a  
non-funded obligation of the Company; or (iii) both. Current regulations do 
not require funding for these benefits. The Company uses its general assets,
net of participant's contributions, to pay postretirement medical claims as 
they come due. As permitted under the terms of the governing trust document,
the Company may be reimbursed from plan assets for postretirement medical   
claims paid from their general assets.                                      

Gross benefit payments for the next 10 years, which reflect expected  
future service where appropriate, are expected to be as follows:            

                                                                [Download Table]

                              Pension Benefits   Other Postretirement Benefits
                          -------------------- -------------------------------
                                             (In millions)                    
                                                                              
2019.....................       $           69                    $          1
2020.....................       $           73                    $          1
2021.....................       $           64                    $          1
2022.....................       $           68                    $          1
2023.....................       $           73                    $          1
2024-2028................       $          381                    $          6

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

14. Employee Benefit Plans (continued)                                          

Additional Information                                                      

  As previously discussed, most of the assets of the pension benefit plans
are held in a group annuity contract issued by the Company while some of the
assets of the postretirement benefit plans are held in a trust which largely
utilizes life insurance contracts issued by the Company to hold such assets.
 Total revenues from these contracts recognized on the consolidated statements
of operations were $56 million, $56 million and $57 million for the years   
ended December 31, 2018, 2017 and 2016, respectively, and included policy   
charges and net investment income from investments backing the contracts and
administrative fees. Total investment income (loss), including realized and 
unrealized gains (losses), credited (debited) to the account balances was   
($448) million, $1.1 billion and $660 million for the years ended           
December 31, 2018, 2017 and 2016, respectively. The terms of these contracts
are consistent in all material respects with those the Company offers to    
unaffiliated parties that are similarly situated.                           

Defined Contribution Plans                                                      

Through September 30, 2018, the Company sponsored defined contribution
plans for substantially all MetLife employees under which a portion of      
 employee contributions are matched. As of October 1, 2018, the plan's sponsor
for the defined contribution plans was moved from the Company to an         
affiliate. The Company contributed $42 million, $65 million and $73 million 
for the years ended December 31, 2018, 2017 and 2016, respectively.         

15. Income Tax                                                                  

The provision for income tax was as follows:                              

                                                                [Download Table]

                                             Years Ended December 31,
                                             ----------------------- 
                                               2018     2017    2016 
                                             ------  -------  ------ 
                                                  (In millions)      
                                                                     
Current:                                                             
U.S. federal................................  $ 217  $ 1,511   $ 675 
U.S. state and local........................      9        4       5 
Non-U.S.....................................     91       14      40 
                                             ------  -------  ------ 
 Subtotal...................................    317    1,529     720 
                                             ------  -------  ------ 
Deferred:                                                            
U.S. federal................................    (88)  (2,099)   (539)
Non-U.S.....................................    (56)       9      18 
                                             ------  -------  ------ 
 Subtotal...................................   (144)  (2,090)   (521)
                                             ------  -------  ------ 
 Provision for income tax expense (benefit).  $ 173  $  (561)  $ 199 
                                             ======  =======  ====== 

The Company's income (loss) before income tax expense (benefit) was as      
follows:                                                                        

                                                                [Download Table]

                 Years Ended December 31, 
                ------------------------- 
                 2018     2017      2016  
                ------- --------  ------- 
                      (In millions)       
                                          
Income (loss):                            
U.S............  $1,202  $ 4,045   $2,379 
Non-U.S........   3,107   (1,079)    (438)
                ------- --------  ------- 
 Total.........  $4,309  $ 2,966   $1,941 
                ======= ========  ======= 

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

The reconciliation of the income tax provision at the U.S. statutory rate   
(21% in 2018; 35% in 2017 and 2016) to the provision for income tax as reported 
was as follows:                                                                 

                                                                [Download Table]

                                             Years Ended December 31, 
                                             ------------------------ 
                                              2018     2017     2016  
                                             ------  --------  ------ 
                                                   (In millions)      
                                                                      
Tax provision at U.S. statutory rate........  $ 905   $ 1,039   $ 679 
Tax effect of:                                                        
Dividend received deduction.................    (34)      (65)    (79)
Tax-exempt income...........................    (13)      (49)    (38)
Prior year tax (1)..........................   (175)      (29)    (33)
Low income housing tax credits..............   (284)     (278)   (270)
Other tax credits...........................    (77)     (101)    (98)
Foreign tax rate differential...............     (8)       --       1 
Change in valuation allowance...............      1        --      (1)
U.S. Tax Reform impact (2) (3)..............   (139)   (1,089)     -- 
Other, net..................................     (3)       11      38 
                                             ------  --------  ------ 
 Provision for income tax expense (benefit).  $ 173   $  (561)  $ 199 
                                             ======  ========  ====== 

--------                                                                        

(1) As discussed further below, for the year ended December 31, 2018, prior     
 year tax includes a $168 million non-cash benefit related to an uncertain
tax position.                                                           

(2) For the year ended December 31, 2018, U.S. Tax Reform impact includes a     
   $139 million tax benefit related to the adjustment of deferred taxes due to
   the U.S. tax rate change. This excludes $12 million of tax provision at the
U.S. statutory rate for a total tax reform benefit of $151 million.     

(3) For the year ended December 31, 2017, U.S. Tax Reform impact of ($1.1)      
  billion excludes ($23) million of tax provision at the U.S. statutory rate
for a total tax reform benefit of ($1.1) billion.                       

On December 22, 2017, President Trump signed into law U.S. Tax Reform. U.S. 
Tax Reform includes numerous changes in tax law, including a permanent          
reduction in the U.S. federal corporate income tax rate from 35% to 21%, which  
took effect for taxable years beginning on or after January 1, 2018. U.S. Tax   
Reform moves the United States from a worldwide tax system to a participation   
exemption system by providing corporations a 100% dividends received deduction  
for dividends distributed by a controlled foreign corporation. To transition to 
that new system, U.S. Tax Reform imposed a one-time deemed repatriation tax on  
unremitted earnings and profits at a rate of 8.0% for illiquid assets and 15.5% 
for cash and cash equivalents.                                                  

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

  The incremental financial statement impact related to U.S. Tax Reform was as
follows:                                                                        

                                                        [Enlarge/Download Table]

                                                                              Years Ended December 31, 
                                                                             ------------------------- 
                                                                                2018          2017     
                                                                             ----------  ------------- 
                                                                                   (In millions)       
                                                                                                       
Income (loss) before provision for income tax...............................  $     (58)  $        (66)
Provision for income tax expense (benefit):                                                            
Deferred tax revaluation....................................................       (151)        (1,112)
                                                                             ----------  ------------- 
 Total provision for income tax expense (benefit)...........................       (151)        (1,112)
                                                                             ----------  ------------- 
Income (loss), net of income tax............................................         93          1,046 
Income tax (expense) benefit related to items of other comprehensive income                            
  (loss)....................................................................         --            133 
                                                                             ----------  ------------- 
Increase to net equity from U.S. Tax Reform.................................  $      93   $      1,179 
                                                                             ==========  ============= 

In accordance with SAB 118 issued by the U.S. Securities and Exchange       
Commission ("SEC") in December 2017, the Company recorded provisional amounts   
for certain items for which the income tax accounting is not complete. For      
these items, the Company recorded a reasonable estimate of the tax effects of   
U.S. Tax Reform. The estimates were reported as provisional amounts during the  
measurement period, which did not exceed one year from the date of enactment of 
U.S. Tax Reform. The Company reflected adjustments to its provisional amounts   
upon obtaining, preparing, or analyzing additional information about facts and  
circumstances that existed as of the enactment date that, if known, would have  
affected the income tax effects initially reported as provisional amounts.      

As of December 31, 2017, the following items were considered provisional  
estimates due to complexities and ambiguities in U.S. Tax Reform which resulted 
in incomplete accounting for the tax effects of these provisions. Further       
guidance, either legislative or interpretive, and analysis were completed       
during the measurement period. As a result, the following updates were made to  
complete the accounting for these items as of December 31, 2018:                

.  Deemed Repatriation Transition Tax - The Company recorded a $1 million 
   charge for this item for the year ended December 31, 2017. For the year
 ended December 31, 2018, the Company did not record an additional tax
charge.                                                             

.  Global Intangible Low-Tax Income ("GILTI") - U.S. Tax Reform imposes a 
 minimum tax on GILTI, which is generally the excess income of foreign
subsidiaries over a 10% rate of routine return on tangible business 
    assets. For the year ended December 31, 2017, the Company did not record
a tax charge for this item. In 2018, the Company established an     
accounting policy in which it treats taxes due on GILTI as a        
 current-period expense when incurred. For the year ended December 31,
2018, the Company did not record a tax charge.                      

.  Compensation and Fringe Benefits - U.S. Tax Reform limits certain      
employer deductions for fringe benefit and related expenses and also
     repeals the exception allowing the deduction of certain performance-based
   compensation paid to certain senior executives. The Company recorded an
     $8 million tax charge, included within the deferred tax revaluation as of
   December 31, 2017. The Company determined that no additional adjustment
was required for the year ended December 31, 2018.                  

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

.  Alternative Minimum Tax Credits - U.S. Tax Reform eliminates the       
corporate alternative minimum tax and allows for minimum tax credit 
   carryforwards to be used to offset future regular tax or to be refunded
 50% each tax year beginning in 2018, with any remaining balance fully
   refunded in 2021. However, pursuant to the requirements of the Balanced
Budget and Emergency Deficit Control Act of 1985, as amended, refund
payments issued for corporations claiming refundable prior year     
  alternative minimum tax credits are subject to a sequestration rate of
   6.2%. The application of this fee to refunds in future years is subject
  to further guidance. Additionally, the sequestration reduction rate in
effect at the time is subject to uncertainty. For the year ended    
    December 31, 2017, the Company recorded a $7 million tax charge included
within the deferred tax revaluation. For the year ended December 31,
    2018, the Company determined that no additional adjustment was required.
In early 2019, the Internal Revenue Service ("IRS") issued guidance 
indicating that for years beginning after December 31, 2017, refund 
payments and credit elect and refund offset transactions due to     
    refundable minimum tax credits will not be subject to sequestration. The
  Company will incorporate the impacts of this IRS announcement in 2019.

.  Tax Credit Partnerships - The reduction in the federal corporate income
tax rate due to U.S. Tax Reform required adjustments for multiple   
investment portfolios, including tax credit partnerships and        
tax-advantaged leveraged leases. Certain tax credit partnership     
   investments derive returns in part from income tax credits. The Company
recognizes changes in tax attributes at the partnership level when  
  reported by the investee in its financial information. The Company did
     not receive the necessary investee financial information to determine the
impact of U.S. Tax Reform on the tax attributes of its tax credit   
 partnership investments until the third quarter of 2018. Accordingly,
prior to the third quarter of 2018, the Company applied prior law to
    these equity method investments in accordance with SAB 118. For the year
     ended December 31, 2018, after receiving additional investee information,
a reduction in tax credit partnerships' equity method income of     
  $46 million, net of income tax, was included in net investment income.
  The tax-advantaged leveraged lease portfolio is valued on an after-tax
     yield-basis. In 2018, the Company received third party data that was used
     to complete a comprehensive review of its portfolio to determine the full
    and complete impact of U.S. Tax Reform on these investments. As a result
   of this review, a tax benefit of $126 million was recorded for the year
ended December 31, 2018.                                            

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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

Deferred income tax represents the tax effect of the differences between the
book and tax bases of assets and liabilities. Net deferred income tax assets    
and liabilities consisted of the following at:                                  

                                                                [Download Table]

                                               December 31,  
                                              -------------- 
                                               2018    2017  
                                              ------ ------- 
                                               (In millions) 
                                                             
Deferred income tax assets:                                  
Policyholder liabilities and receivables..... $1,491 $ 1,361 
Net operating loss carryforwards.............     22      23 
Employee benefits............................    518     595 
Tax credit carryforwards.....................  1,038   1,127 
Litigation-related and government mandated...    131     117 
Other........................................     --     437 
                                              ------ ------- 
  Total gross deferred income tax assets.....  3,200   3,660 
Less: Valuation allowance....................     21      20 
                                              ------ ------- 
  Total net deferred income tax assets.......  3,179   3,640 
                                              ------ ------- 
Deferred income tax liabilities:                             
Investments, including derivatives...........  1,516   1,989 
Intangibles..................................     32      32 
DAC..........................................    558     673 
Net unrealized investment gains..............    987   2,313 
Other........................................     43       2 
                                              ------ ------- 
  Total deferred income tax liabilities......  3,136   5,009 
                                              ------ ------- 
  Net deferred income tax asset (liability).. $   43 $(1,369)
                                              ====== ======= 

The Company also has recorded a valuation allowance charge of $1 million    
related to certain U.S. state net operating loss carryforwards for the year     
ended December 31, 2018. The valuation allowance reflects management's          
assessment, based on available information, that it is more likely than not     
that the deferred income tax asset for certain U.S. state net operating loss    
carryforwards will not be realized. The tax benefit will be recognized when     
management believes that it is more likely than not that these deferred income  
tax assets are realizable.                                                      

U.S. state net operating loss carryforwards of $140 million at December 31, 
2018 will expire beginning in 2034.                                             

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Metropolitan Life Insurance Company 
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Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

The following table sets forth the general business credits and other credit
carryforwards for tax return purposes at December 31, 2018.                     

                                                                [Download Table]

               Tax Credit Carryforwards   
             -----------------------------
             General Business             
                 Credits         Other    
             ---------------- ------------
                     (In millions)        
                                          
Expiration:                               
2019-2023...     $         --  $        --
2024-2028...               --           --
2029-2033...              200           --
2034-2038...            1,139           --
Indefinite..               --           90
                ------------- ------------
                 $      1,339  $        90
                ============= ============

The Company participates in a tax sharing agreement with MetLife, Inc., as  
described in Note 1. Pursuant to this tax sharing agreement, the amounts due    
from affiliates included $27 million and $203 million for the years ended       
December 31, 2018 and 2017, respectively.                                       

The Company files income tax returns with the U.S. federal government and   
various U.S. state and local jurisdictions, as well as non-U.S. 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 and     
subsidiary. The Company is no longer subject to U.S. federal, state, or local   
income tax examinations for years prior to 2007, except for refund claims filed 
in 2017 with the IRS for 2000 through 2002 to recover tax and interest          
predominantly related to the disallowance of certain foreign tax credits for    
which the Company received a statutory notice of deficiency in 2015 and paid    
the tax thereon. The disallowed foreign tax credits relate to certain non-U.S.  
investments held by Metropolitan Life Insurance Company in support of its life  
insurance business through a United Kingdom investment subsidiary that was      
structured as a joint venture until early 2009.                                 

For tax years 2003 through 2006, the Company entered into binding agreements
with the IRS under which all remaining issues, including the foreign tax credit 
matter noted above, for these years were resolved. Accordingly, in the fourth   
quarter of 2018, the Company recorded a non-cash benefit to net income of       
$349 million, net of tax, comprised of a $168 million tax benefit recorded in   
provision for income tax expense (benefit) and a $229 million interest benefit  
($181 million, net of tax) included in other expenses. For tax years 2000       
through 2002 (which are closed to IRS examination except for the refund claim   
described above) and 2007 through 2009 (which are the subject of the current    
IRS examination), the Company has established adequate reserves for tax         
liabilities. The Company continues to pursue final resolution of disallowed     
foreign tax credits, as well as related issues, for the open tax years in a     
manner consistent with the final resolution of such issues for 2003 through     
2006. Although the final timing and details of any such resolution remain       
uncertain, and could be affected by many factors, closure with the IRS for tax  
years 2000 through 2002, and 2007 through 2009, may occur in 2019.              

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

15. Income Tax (continued)                                                      

The Company's liability for unrecognized tax benefits may increase or     
decrease in the next 12 months. For example, federal tax legislation and        
regulation could impact unrecognized tax benefits. A reasonable estimate of the 
increase or decrease cannot be made at this time. However, the Company          
continues to believe that the ultimate resolution of the pending issues will    
not result in a material change to its consolidated financial statements,       
although the resolution of income tax matters could impact the Company's        
effective tax rate for a particular future period.                              

A reconciliation of the beginning and ending amount of unrecognized tax   
benefits was as follows:                                                        

                                                        [Enlarge/Download Table]

                                                                               Years Ended December 31,
                                                                               ----------------------  
                                                                                2018     2017    2016  
                                                                               ------   -----  ------- 
                                                                                    (In millions)      
                                                                                                       
Balance at January 1,.........................................................  $ 890    $931   $1,075 
Additions for tax positions of prior years....................................      3      --        7 
Reductions for tax positions of prior years (1)...............................   (169)    (38)    (109)
Additions for tax positions of current year...................................      3       4        6 
Reductions for tax positions of current year..................................     --      (1)      -- 
Settlements with tax authorities (2)..........................................   (285)     (6)     (48)
                                                                               ------   -----  ------- 
Balance at December 31,.......................................................  $ 442    $890   $  931 
                                                                               ======   =====  ======= 
Unrecognized tax benefits that, if recognized would impact the effective rate.  $ 442    $890   $  931 
                                                                               ======   =====  ======= 

--------                                                                        

(1) The decrease in 2018 is primarily related to the non-cash benefit from the  
tax audit settlement discussed above.                                   

(2) The decrease in 2018 is primarily related to the tax audit settlement, of   
which $284 million was reclassified to the current income tax payable   
account.                                                                

  The Company classifies interest accrued related to unrecognized tax benefits
in interest expense, included within other expenses, while penalties are        
included in income tax expense.                                                 

Interest was as follows:                                                  

                                                        [Enlarge/Download Table]

                                                                      Years Ended December 31,
                                                                      ----------------------- 
                                                                       2018     2017   2016   
                                                                      ------    ----   ----   
                                                                        (In millions)         
                                                                                              
Interest expense (benefit) recognized on the consolidated statements                          
  of operations (1).................................................. $(457)    $ 47   $(33)  

                                                                                December 31,  
                                                                                ------------- 
                                                                                2018   2017   
                                                                                ----   ----   
                                                                                (In millions) 
Interest included in other liabilities on the consolidated balance                            
  sheets.............................................................           $196   $653   

--------                                                                        

(1) The decrease in 2018 is primarily related to the tax audit settlement, of   
which $184 million was recorded in other expenses and $273 million was  
reclassified to the current income tax payable account.                 

  The Company had no penalties for the years ended December 31, 2018, 2017 and
2016.                                                                           

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees                                   

Contingencies                                                                   

Litigation                                                                  

The Company is a defendant in a large number of litigation matters.   
 Putative or certified class action litigation and other litigation and claims
 and assessments against the Company, in addition to those discussed below and
those otherwise provided for in the Company's consolidated financial        
statements, have arisen in the course of the Company's business, including, 
 but not limited to, in connection with its activities as an insurer, mortgage
lending bank, employer, investor, investment advisor, broker-dealer, and    
taxpayer.                                                                   

The Company also receives and responds to subpoenas or other inquiries
seeking a broad range of information from state regulators, including state 
insurance commissioners; state attorneys general or other state governmental
authorities; federal regulators, including the SEC; federal governmental    
authorities, including congressional committees; and the Financial Industry 
Regulatory Authority, as well as from local and national regulators and     
government authorities in jurisdictions outside the United States where the 
Company conducts business. The issues involved in information requests and  
regulatory matters vary widely, but can include inquiries or investigations 
concerning the Company's compliance with applicable insurance and other laws
and regulations. The Company cooperates in these inquiries.                 

    In some of the matters, very large and/or indeterminate amounts, including
 punitive and treble damages, are sought. Modern pleading practice in the U.S.
permits considerable variation in the assertion of monetary damages or other
relief. Jurisdictions may permit claimants not to specify the monetary      
damages sought or may permit claimants to state only that the amount sought 
is sufficient to invoke the jurisdiction of the trial court. In addition,   
jurisdictions may permit plaintiffs to allege monetary damages in amounts   
well exceeding reasonably possible verdicts in the jurisdiction for similar 
matters. This variability in pleadings, together with the actual experience 
of the Company in litigating or resolving through settlement numerous claims
 over an extended period of time, demonstrates to management that the monetary
 relief which may be specified in a lawsuit or claim bears little relevance to
its merits or disposition value.                                            

It is not possible to predict the ultimate outcome of all pending     
 investigations and legal proceedings. The Company establishes liabilities for
litigation and regulatory loss contingencies when it is probable that a loss
has been incurred and the amount of the loss can be reasonably estimated.   
 Liabilities have been established for a number of the matters noted below. It
 is possible that some of the matters could require the Company to pay damages
 or make other expenditures or establish accruals in amounts that could not be
 reasonably estimated at December 31, 2018. While the potential future charges
 could be material in the particular quarterly or annual periods in which they
are recorded, based on information currently known to management, management
 does not believe any such charges are likely to have a material effect on the
Company's financial position. Given the large and/or indeterminate amounts  
sought in certain of these matters and the inherent unpredictability of     
litigation, it is possible that an adverse outcome in certain matters could,
from time to time, have a material effect on the Company's consolidated net 
income or cash flows in particular quarterly or annual periods.             

Matters as to Which an Estimate Can Be Made                                 

    For some of the matters disclosed below, the Company is able to estimate a
 reasonably possible range of loss. For matters where a loss is believed to be
reasonably possible, but not probable, the Company has not made an accrual. 
As of December 31, 2018, the Company estimates the aggregate range of       
reasonably possible losses in excess of amounts accrued for these matters to
be $0 to $425 million.                                                      

Matters as to Which an Estimate Cannot Be Made                              

 For other matters disclosed below, the Company is not currently able to
estimate the reasonably possible loss or range of loss. The Company is often
unable to estimate the possible loss or range of loss until developments in 
 such matters have provided sufficient information to support an assessment of
the range of possible loss, such as quantification of a damage demand from  
plaintiffs, discovery from other parties and investigation of factual       
 allegations, rulings by the court on motions or appeals, analysis by experts,
 and the progress of settlement negotiations. On a quarterly and annual basis,
the Company reviews relevant information with respect to litigation         
contingencies and updates its accruals, disclosures and estimates of        
reasonably possible losses or ranges of loss based on such reviews.         

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Asbestos-Related Claims                                                   

Metropolitan Life Insurance Company is and has been a defendant in a
large number of asbestos-related suits filed primarily in state courts.   
These suits principally allege that the plaintiff or plaintiffs suffered  
  personal injury resulting from exposure to asbestos and seek both actual and
punitive damages. Metropolitan Life Insurance Company has never engaged in
the business of manufacturing, producing, distributing or selling asbestos
 or asbestos-containing products nor has Metropolitan Life Insurance Company
issued liability or workers' compensation insurance to companies in the   
business of manufacturing, producing, distributing or selling asbestos or 
asbestos-containing products. The lawsuits principally have focused on    
allegations with respect to certain research, publication and other       
  activities of one or more of Metropolitan Life Insurance Company's employees
during the period from the 1920's through approximately the 1950's and    
allege that Metropolitan Life Insurance Company learned or should have    
learned of certain health risks posed by asbestos and, among other things,
  improperly publicized or failed to disclose those health risks. Metropolitan
Life Insurance Company believes that it should not have legal liability in
these cases. The outcome of most asbestos litigation matters, however, is 
uncertain and can be impacted by numerous variables, including differences
 in legal rulings in various jurisdictions, the nature of the alleged injury
and factors unrelated to the ultimate legal merit of the claims asserted  
against Metropolitan Life Insurance Company. Metropolitan Life Insurance  
Company employs a number of resolution strategies to manage its asbestos  
loss exposure, including seeking resolution of pending litigation by      
judicial rulings and settling individual or groups of claims or lawsuits  
under appropriate circumstances.                                          

     Claims asserted against Metropolitan Life Insurance Company have included
negligence, intentional tort and conspiracy concerning the health risks   
associated with asbestos. Metropolitan Life Insurance Company's defenses  
(beyond denial of certain factual allegations) include that:              
  (i) Metropolitan Life Insurance Company owed no duty to the plaintiffs -- it
had no special relationship with the plaintiffs and did not manufacture,  
produce, distribute or sell the asbestos products that allegedly injured  
  plaintiffs; (ii) plaintiffs did not rely on any actions of Metropolitan Life
Insurance Company; (iii) Metropolitan Life Insurance Company's conduct was
not the cause of the plaintiffs' injuries; (iv) plaintiffs' exposure      
occurred after the dangers of asbestos were known; and (v) the applicable 
time with respect to filing suit has expired. During the course of the    
litigation, certain trial courts have granted motions dismissing claims   
against Metropolitan Life Insurance Company, while other trial courts have
denied Metropolitan Life Insurance Company's motions. There can be no     
assurance that Metropolitan Life Insurance Company will receive favorable 
decisions on motions in the future. While most cases brought to date have 
settled, Metropolitan Life Insurance Company intends to continue to defend
 aggressively against claims based on asbestos exposure, including defending
claims at trials.                                                         

   The approximate total number of asbestos personal injury claims pending
against Metropolitan Life Insurance Company as of the dates indicated, the
approximate number of new claims during the years ended on those dates and
 the approximate total settlement payments made to resolve asbestos personal
  injury claims at or during those years are set forth in the following table:

                                                                [Download Table]

                                                          December 31,             
                                             --------------------------------------
                                                 2018         2017         2016    
                                             ------------ ------------ ------------
                                             (In millions, except number of claims)
                                                                                   
Asbestos personal injury claims at year end.       62,522       62,930       67,223
Number of new claims during the year........        3,359        3,514        4,146
Settlement payments during the year (1)..... $       51.4 $       48.6 $       50.2

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

(1) Settlement payments represent payments made by Metropolitan Life Insurance  
Company during the year in connection with settlements made in that year
and in prior years. Amounts do not include Metropolitan Life Insurance  
Company's attorneys' fees and expenses.                                 

     The number of asbestos cases that may be brought, the aggregate amount of
any liability that Metropolitan Life Insurance Company may incur, and the 
total amount paid in settlements in any given year are uncertain and may  
vary significantly from year to year.                                     

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

The ability of Metropolitan Life Insurance Company to estimate its  
ultimate asbestos exposure is subject to considerable uncertainty, and the
  conditions impacting its liability can be dynamic and subject to change. The
 availability of reliable data is limited and it is difficult to predict the
  numerous variables that can affect liability estimates, including the number
of future claims, the cost to resolve claims, the disease mix and severity
of disease in pending and future claims, the impact of the number of new  
claims filed in a particular jurisdiction and variations in the law in the
 jurisdictions in which claims are filed, the possible impact of tort reform
efforts, the willingness of courts to allow plaintiffs to pursue claims   
against Metropolitan Life Insurance Company when exposure to asbestos took
  place after the dangers of asbestos exposure were well known, and the impact
of any possible future adverse verdicts and their amounts.                

The ability to make estimates regarding ultimate asbestos exposure  
declines significantly as the estimates relate to years further in the    
future. In the Company's judgment, there is a future point after which    
losses cease to be probable and reasonably estimable. It is reasonably    
possible that the Company's total exposure to asbestos claims may be      
materially greater than the asbestos liability currently accrued and that 
future charges to income may be necessary. While the potential future     
charges could be material in the particular quarterly or annual periods in
  which they are recorded, based on information currently known by management,
management does not believe any such charges are likely to have a material
effect on the Company's financial position.                               

     The Company believes adequate provision has been made in its consolidated
financial statements for all probable and reasonably estimable losses for 
asbestos-related claims. Metropolitan Life Insurance Company's recorded   
 asbestos liability is based on its estimation of the following elements, as
informed by the facts presently known to it, its understanding of current 
law and its past experiences: (i) the probable and reasonably estimable   
liability for asbestos claims already asserted against Metropolitan Life  
Insurance Company, including claims settled but not yet paid; (ii) the    
probable and reasonably estimable liability for asbestos claims not yet   
  asserted against Metropolitan Life Insurance Company, but which Metropolitan
Life Insurance Company believes are reasonably probable of assertion; and 
(iii) the legal defense costs associated with the foregoing claims.       
Significant assumptions underlying Metropolitan Life Insurance Company's  
 analysis of the adequacy of its recorded liability with respect to asbestos
litigation include: (i) the number of future claims; (ii) the cost to     
resolve claims; and (iii) the cost to defend claims.                      

     Metropolitan Life Insurance Company reevaluates on a quarterly and annual
basis its exposure from asbestos litigation, including studying its claims
experience, reviewing external literature regarding asbestos claims       
experience in the United States, assessing relevant trends impacting      
asbestos liability and considering numerous variables that can affect its 
asbestos liability exposure on an overall or per claim basis. These       
variables include bankruptcies of other companies involved in asbestos    
litigation, legislative and judicial developments, the number of pending  
 claims involving serious disease, the number of new claims filed against it
and other defendants and the jurisdictions in which claims are pending.   
Based upon its regular reevaluation of its exposure from asbestos         
litigation, Metropolitan Life Insurance Company has updated its recorded  
 liability for asbestos-related claims to $502 million at December 31, 2018.

  In the Matter of Chemform, Inc. Site, Pompano Beach, Broward County, Florida

In July 2010, the Environmental Protection Agency ("EPA") advised   
  Metropolitan Life Insurance Company that it believed payments were due under
  two settlement agreements, known as "Administrative Orders on Consent," that
New England Mutual Life Insurance Company ("New England Mutual") signed in
1989 and 1992 with respect to the cleanup of a Superfund site in          
Florida (the "Chemform Site"). The EPA originally contacted Metropolitan  
Life Insurance Company (as successor to New England Mutual) and a third   
 party in 2001, and advised that they owed additional clean-up costs for the
 Chemform Site. The matter was not resolved at that time. In September 2012,
  the EPA, Metropolitan Life Insurance Company and the third party executed an
Administrative Order on Consent under which Metropolitan Life Insurance   
Company and the third party agreed to be responsible for certain          
environmental testing at the Chemform Site. The EPA may seek additional   
costs if the environmental testing identifies issues. The EPA and         
Metropolitan Life Insurance Company have reached a settlement in principle
 on the EPA's claim for past costs. The Company estimates that the aggregate
cost to resolve this matter, including the settlement for claims of past  
  costs and the costs of environmental testing, will not exceed $300 thousand.

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Sun Life Assurance Company of Canada Indemnity Claim                      

    In 2006, Sun Life Assurance Company of Canada ("Sun Life"), as successor
to the purchaser of Metropolitan Life Insurance Company's Canadian        
operations, filed a lawsuit in Toronto, seeking a declaration that        
Metropolitan Life Insurance Company remains liable for "market conduct    
claims" related to certain individual life insurance policies sold by     
Metropolitan Life Insurance Company that were subsequently transferred to 
Sun Life. In January 2010, the court found that Sun Life had given timely 
 notice of its claim for indemnification but, because it found that Sun Life
had not yet incurred an indemnifiable loss, granted Metropolitan Life     
  Insurance Company's motion for summary judgment. In September 2010, Sun Life
notified Metropolitan Life Insurance Company that a purported class action
lawsuit was filed against Sun Life in Toronto alleging sales practices    
claims regarding the policies sold by Metropolitan Life Insurance Company 
 and transferred to Sun Life (the "Ontario Litigation"). On August 30, 2011,
  Sun Life notified Metropolitan Life Insurance Company that another purported
class action lawsuit was filed against Sun Life in Vancouver, BC alleging 
sales practices claims regarding certain of the same policies sold by     
Metropolitan Life Insurance Company and transferred to Sun Life. Sun Life 
 contends that Metropolitan Life Insurance Company is obligated to indemnify
  Sun Life for some or all of the claims in these lawsuits. In September 2018,
the Court of Appeal for Ontario affirmed the lower court's decision to not
certify the sales practices claims in the Ontario Litigation. These sales 
practices cases against Sun Life are ongoing, and the Company is unable to
estimate the reasonably possible loss or range of loss arising from this  
litigation.                                                               

   Owens v. Metropolitan Life Insurance Company (N.D. Ga., filed April 17, 2014)

   Plaintiff filed this class action lawsuit on behalf of persons for whom
Metropolitan Life Insurance Company established a Total Control Account   
("TCA") to pay death benefits under an ERISA plan. The action alleges that
Metropolitan Life Insurance Company's use of the TCA as the settlement    
 option for life insurance benefits under some group life insurance policies
  violates Metropolitan Life Insurance Company's fiduciary duties under ERISA.
As damages, plaintiff seeks disgorgement of profits that Metropolitan Life
Insurance Company realized on accounts owned by members of the class. In  
addition, plaintiff, on behalf of a subgroup of the class, seeks interest 
under Georgia's delayed settlement interest statute, alleging that the use
of the TCA as the settlement option did not constitute payment. On        
September 27, 2016, the court denied Metropolitan Life Insurance Company's
summary judgment motion in full and granted plaintiff's partial summary   
judgment motion. On September 29, 2017, the court certified a nationwide  
class. The court also certified a Georgia subclass. The Company intends to
defend this action vigorously.                                            

 Voshall v. Metropolitan Life Insurance Company (Superior Court of the State
of California, County of Los Angeles, April 8, 2015)                      

   Plaintiff filed this putative class action lawsuit on behalf of himself
 and all persons covered under a long-term group disability income insurance
policy issued by Metropolitan Life Insurance Company to public entities in
California between April 8, 2011 and April 8, 2015. Plaintiff alleges that
  Metropolitan Life Insurance Company improperly reduced benefits by including
cost of living adjustments and employee paid contributions in the employer
 retirement benefits and other income that reduces the benefit payable under
such policies. Plaintiff asserts causes of action for declaratory relief, 
 violation of the California Business & Professions Code, breach of contract
and breach of the implied covenant of good faith and fair dealing. The    
parties reached a settlement, which the court approved on January 3, 2019.

Martin v. Metropolitan Life Insurance Company (Superior Court of the State
of California, County of Contra Costa, filed December 17, 2015)           

Plaintiffs filed this putative class action lawsuit on behalf of      
themselves and all California persons who have been charged compound      
interest by Metropolitan Life Insurance Company in life insurance policy  
and/or premium loan balances within the last four years. Plaintiffs allege
that Metropolitan Life Insurance Company has engaged in a pattern and     
 practice of charging compound interest on life insurance policy and premium
loans without the borrower authorizing such compounding, and that this    
constitutes an unlawful business practice under California law. Plaintiffs
assert causes of action for declaratory relief, violation of California's 
  Unfair Competition Law and Usury Law, and unjust enrichment. Plaintiffs seek
declaratory and injunctive relief, restitution of interest, and damages in
an unspecified amount. On April 12, 2016, the court granted Metropolitan  
 Life Insurance Company's motion to dismiss. Plaintiffs appealed this ruling
to the United States Court of Appeals for the Ninth Circuit. The Company  
intends to defend this action vigorously.                                 

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Newman v. Metropolitan Life Insurance Company (N.D. Ill., filed March 23, 
2016)                                                                     

    Plaintiff filed this putative class action alleging causes of action for
  breach of contract, fraud, and violations of the Illinois Consumer Fraud and
 Deceptive Business Practices Act, on behalf of herself and all persons over
age 65 who selected a Reduced Pay at Age 65 payment feature on their      
long-term care insurance policies and whose premium rates were increased  
after age 65. Plaintiff seeks unspecified compensatory, statutory and     
punitive damages, as well as recessionary and injunctive relief. On       
April 12, 2017, the court granted Metropolitan Life Insurance Company's   
 motion to dismiss the action. Plaintiff appealed this ruling and the United
States Court of Appeals for the Seventh Circuit reversed and remanded the 
case to the district court for further proceedings. The Company intends to
defend this action vigorously.                                            

Julian & McKinney v. Metropolitan Life Insurance Company (S.D.N.Y., filed 
February 9, 2017)                                                         

   Plaintiffs filed this putative class and collective action on behalf of
themselves and all current and former long-term disability ("LTD") claims 
 specialists between February 2011 and the present for alleged wage and hour
violations under the Fair Labor Standards Act, the New York Labor Law, and
the Connecticut Minimum Wage Act. The suit alleges that Metropolitan Life 
Insurance Company improperly reclassified the plaintiffs and similarly    
 situated LTD claims specialists from non-exempt to exempt from overtime pay
in November 2013. As a result, they and members of the putative class were
no longer eligible for overtime pay even though they allege they continued
to work more than 40 hours per week. Plaintiffs seek unspecified          
compensatory and punitive damages, as well as other relief. On March 22,  
2018, the Court conditionally certified the case as a collective action,  
  requiring that notice be mailed to LTD claims specialists who worked for the
 Company from February 8, 2014 to the present. The Company intends to defend
this action vigorously.                                                   

 Total Asset Recovery Services, LLC. v. MetLife, Inc., et al. (Supreme Court
of the State of New York, County of New York, filed December 27, 2017)    

     Total Asset Recovery Services ("The Relator") brought an action under the
 qui tam provision of the New York False Claims Act (the "Act") on behalf of
itself and the State of New York. The Relator originally filed this action
  under seal in 2010, and the complaint was unsealed on December 19, 2017. The
 Relator alleges that MetLife, Inc., Metropolitan Life Insurance Company and
  several other insurance companies violated the Act by filing false unclaimed
property reports with the State of New York from 1986 to 2017, to avoid   
 having to escheat the proceeds of more than 25,000 life insurance policies,
  including policies for which the defendants escheated funds as part of their
demutualizations in the late 1990s. The Relator seeks treble damages and  
other relief. The defendants intend to defend this action vigorously.     

Miller, et al. v. Metropolitan Life Insurance Company (S.D.N.Y., filed    
January 4, 2019)                                                          

     Plaintiff filed a second amended complaint in this putative class action,
purporting to assert claims on behalf of all persons who replaced their   
MetLife Optional Term Life or Group Universal Life policy with a Group    
Variable Universal Life policy wherein Metropolitan Life Insurance Company
allegedly charged smoker rates for certain non-smokers. Plaintiff seeks   
 unspecified compensatory and punitive damages, as well as other relief. The
Company intends to defend this action vigorously.                         

Regulatory and Litigation Matters Related to Group Annuity Benefits       

    In 2018, the Company announced that it identified a material weakness in
its internal control over financial reporting related to the practices and
procedures for estimating reserves for certain group annuity benefits. The
Company is exposed to lawsuits and regulatory investigations, and could be
exposed to additional legal actions relating to these issues. These may   
 result in payments, including damages, fines, penalties, interest and other
amounts assessed or awarded by courts or regulatory authorities under     
applicable escheat, tax, securities, ERISA, or other laws or regulations. 
 The Company could incur significant costs in connection with these actions.

Regulatory Matters                                                        

     The NYDFS examined these issues and other unrelated issues as part of its
quinquennial exam and entered into a consent order with Metropolitan Life 
Insurance Company on January 28, 2019. Several additional regulators have 
made similar inquiries and it is possible that other jurisdictions may    
pursue similar investigations or inquiries.                               

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Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Litigation Matters                                                        

Roycroft v. MetLife, Inc., et al. (S.D.N.Y., filed June 18, 2018)     

       Plaintiff filed this putative class action on behalf of all persons due
   benefits under group annuity contracts but who did not receive the entire
 amount to which they were entitled. Plaintiff asserts claims for unjust
enrichment, accounting, and restitution based on allegations that     
    Metropolitan Life Insurance Company and MetLife, Inc. failed to timely pay
   annuity benefits to certain group annuitants. Plaintiff seeks declaratory
 and injunctive relief, as well as unspecified compensatory and punitive
damages, and other relief. The court dismissed this matter as to all  
defendants on January 15, 2019.                                       

Insolvency Assessments                                                      

  Many 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 or those that may become impaired, insolvent or fail. These        
associations levy assessments, up to prescribed limits, on all member       
 insurers in a particular jurisdiction 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. In addition, certain     
jurisdictions have government owned or controlled organizations providing   
life, health and property and casualty insurance to their citizens, whose   
activities could place additional stress on the adequacy of guaranty fund   
assessments. Many of these organizations have the power to levy assessments 
similar to those of the guaranty associations. Some jurisdictions 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,       
                                              -------------------------
                                                  2018         2017    
                                              ------------ ------------
                                                    (In millions)      
                                                                       
Other Assets:                                                          
Premium tax offset for future discounted and                           
 undiscounted assessments....................  $        42  $        51
Premium tax offset currently available for                             
 paid assessments............................           43           49
                                              ------------ ------------
 Total.......................................  $        85  $       100
                                              ============ ============
Other Liabilities:                                                     
Insolvency assessments.......................  $        57  $        66
                                              ============ ============

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Commitments                                                                     

Leases                                                                      

The Company, as lessee, has entered into various lease and sublease   
agreements for office space and equipment. Future minimum gross rental      
payments relating to these lease arrangements are as follows:               

                                                                [Download Table]

                Amount     
            ---------------
             (In millions) 
                           
2019.......  $          125
2020.......             137
2021.......             136
2022.......             134
2023.......             122
Thereafter.             567
            ---------------
  Total....  $        1,221
            ===============

  Operating lease expense was $116 million, $187 million, and $204 million
 for the years ended December 31, 2018, 2017 and 2016, respectively. Effective
January 1, 2018, the Company assigned certain leases to an affiliate. The   
Company, as assignor, remains liable under the leases to the extent that the
affiliate, as assignee, cannot meet any obligations. Total minimum rental   
payments to be received in the future under non-cancelable subleases were   
$628 million as of December 31, 2018. Non-cancelable sublease income was    
$66 million, $40 million and $17 million for the years ended December 31,   
2018, 2017 and 2016, respectively.                                          

Mortgage Loan Commitments                                                   

The Company commits to lend funds under mortgage loan commitments. The
 amounts of these mortgage loan commitments were $3.6 billion and $3.3 billion
at December 31, 2018 and 2017, respectively.                                

Commitments to Fund Partnership Investments, Bank Credit Facilities, Bridge 
Loans and Private Corporate Bond Investments                                

The Company commits to fund partnership investments and to lend funds 
under bank credit facilities, bridge loans and private corporate bond       
investments. The amounts of these unfunded commitments were $4.6 billion and
$3.9 billion at December 31, 2018 and 2017, respectively.                   

Guarantees                                                                      

In the normal course of its business, the Company has provided certain    
indemnities, guarantees and commitments to third parties such that it may be    
required to make payments now or in the future. In the context of acquisition,  
disposition, investment and other transactions, the Company has provided        
indemnities and guarantees, including those related to tax, environmental and   
other specific liabilities and other indemnities and guarantees that are        
triggered by, among other things, breaches of representations, warranties or    
covenants provided by the Company. In addition, in the normal course of         
business, the Company provides indemnifications to counterparties in contracts  
with triggers similar to the foregoing, as well as for certain other            
liabilities, such as third-party lawsuits. These obligations are often subject  
to time limitations that vary in duration, including contractual limitations    
and those that arise by operation of law, such as applicable statutes of        
limitation. In some cases, the maximum potential obligation under the           
indemnities and guarantees is subject to a contractual limitation ranging from  
less than $1 million to $442 million, with a cumulative maximum of              
$827 million, while in other cases such limitations are not specified or        
applicable. Since certain of these obligations are not subject to limitations,  
the Company does not believe that it is possible to determine the maximum       
potential amount that could become due under these guarantees in the future.    
Management believes that it is unlikely the Company will have to make any       
material payments under these indemnities, guarantees, or commitments.          

 In addition, the Company indemnifies its directors and officers as provided
in its charters and by-laws. Also, the Company indemnifies its agents for       
liabilities incurred as a result of their representation of the Company's       
interests. Since these indemnities are generally not subject to limitation with 
respect to duration or amount, the Company does not believe that it is possible 
to determine the maximum potential amount that could become due under these     
indemnities in the future.                                                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

The Company's recorded liabilities were $5 million and $4 million at      
December 31, 2018 and 2017, respectively, for indemnities, guarantees and       
commitments.                                                                    

17. Quarterly Results of Operations (Unaudited)                                 

The unaudited quarterly results of operations for 2018 and 2017 are       
summarized in the table below:                                                  

                                                        [Enlarge/Download Table]

                                                                                     Three Months Ended              
                                                                       --------------------------------------------- 
                                                                       March 31, June 30,  September 30, December 31,
                                                                       --------- --------- ------------- ------------
                                                                                       (In millions)                 
                                                                                                                     
2018                                                                                                                 
Total revenues........................................................ $  8,446  $  14,809   $  9,751      $  9,155  
Total expenses........................................................ $  7,711  $  13,709   $  8,847      $  7,585  
Net income (loss)..................................................... $    672  $   1,007   $    816      $  1,641  
Less: Net income (loss) attributable to noncontrolling interests...... $      3  $       5   $      2      $     (4) 
Net income (loss) attributable to Metropolitan Life Insurance Company. $    669  $   1,002   $    814      $  1,645  
2017                                                                                                                 
Total revenues........................................................ $  8,645  $   9,342   $ 10,286      $  8,952  
Total expenses........................................................ $  7,978  $   8,534   $  9,411      $  8,336  
Net income (loss)..................................................... $    547  $     644   $    708      $  1,628  
Less: Net income (loss) attributable to noncontrolling interests...... $      1  $       2   $      5      $     (6) 
Net income (loss) attributable to Metropolitan Life Insurance Company. $    546  $     642   $    703      $  1,634  

18. Related Party Transactions                                                  

Service Agreements                                                              

  The Company has entered into various agreements with affiliates for services
necessary to conduct its activities. Typical services provided under these      
agreements include personnel, policy administrative functions and distribution  
services. The bases for such charges are modified and adjusted by management    
when necessary or appropriate to reflect fairly and equitably the actual cost   
incurred by the Company and/or affiliate. Expenses and fees incurred with       
affiliates related to these agreements, recorded in other expenses, were        
$2.1 billion, $2.2 billion and $2.1 billion for the years ended December 31,    
2018, 2017 and 2016, respectively. Total revenues received from affiliates      
related to these agreements were $135 million, $234 million and $251 million    
for the years ended December 31, 2018, 2017 and 2016, respectively.             

The Company also entered into agreements with affiliates to provide       
additional services necessary to conduct the affiliates' activities. Typical    
services provided under these agreements include management, policy             
administrative functions, investment advice and distribution services. Expenses 
incurred by the Company related to these agreements, included in other          
expenses, were $1.1 billion, $1.4 billion and $1.5 billion for the years ended  
December 31, 2018, 2017 and 2016, respectively, and were reimbursed to the      
Company by these affiliates.                                                    

In 2018, the Company and the MetLife enterprise updated its shared        
facilities and services structure to more efficiently share enterprise assets   
and services. Effective as of October 1, 2018, the Company entered into new     
service agreements with its affiliates, which replaced existing agreements.     
Under the new agreements, the Company will no longer be the primary provider of 
services to affiliates and will receive further services from affiliates to     
conduct its activities.                                                         

The Company had net payables to affiliates, related to the items discussed
above, of $181 million and $205 million at December 31, 2018 and 2017,          
respectively.                                                                   

  See Notes 1, 6, 8, 11, 12 and 14 for additional information on related party
transactions. Also, see Note 6 for information related to the separation of     
Brighthouse.                                                                    

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (continued) 

18. Related Party Transactions (continued)                                      

Sales Distribution Services                                                     

In July 2016, MetLife, Inc. completed the U.S. Retail Advisor Force       
Divestiture. MassMutual assumed all of the liabilities related to such assets   
and that arise or occur after the closing of the sale.                          

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule I  

Consolidated Summary of Investments --  
Other Than Investments in Related Parties 
December 31, 2018 

(In millions) 

                                                        [Enlarge/Download Table]

                                                                         Estimated      Amount at      
                                                     Cost or             Fair           Which Shown on 
                                                  Amortized Cost (1)     Value        Balance Sheet    
Types of Investments                          ---------------------- ------------- --------------------
                                                                                                       
Fixed maturity securities AFS:                                                                         
Bonds:                                                                                                 
U.S. government and agency................... $               28,139      $ 30,161 $             30,161
Public utilities.............................                  6,822         7,149                7,149
Municipals...................................                  6,070         6,947                6,947
Foreign government...........................                  4,191         4,492                4,492
All other corporate bonds....................                 72,886        72,766               72,766
                                              ---------------------- ------------- --------------------
  Total bonds................................                118,108       121,515              121,515
Mortgage-backed and asset-backed securities..                 36,256        36,708               36,708
Redeemable preferred stock...................                    811           850                  850
                                              ---------------------- ------------- --------------------
  Total fixed maturity securities AFS........                155,175       159,073              159,073
                                              ---------------------- ------------- --------------------
Equity securities:                                                                                     
Common stock:                                                                                          
  Industrial, miscellaneous and all other....                    360           368                  368
  Public utilities...........................                     83            74                   74
Non-redeemable preferred stock...............                    352           331                  331
                                              ---------------------- ------------- --------------------
  Total equity securities....................                    795           773                  773
                                              ---------------------- ------------- --------------------
Mortgage loans...............................                 63,687                             63,687
Policy loans.................................                  6,061                              6,061
Real estate and real estate joint ventures...                  6,110                              6,110
Real estate acquired in satisfaction of debt.                     42                                 42
Other limited partnership interests..........                  4,481                              4,481
Short-term investments.......................                  1,506                              1,506
Other invested assets........................                 15,690                             15,690
                                              ----------------------               --------------------
  Total investments.......................... $              253,547               $            257,423
                                              ======================               ====================

--------                                                                        
(1) Amortized cost for fixed maturity securities AFS and mortgage loans         
represents original cost reduced by repayments, valuation allowances and
   impairments from other-than-temporary declines in estimated fair value that
are charged to earnings and adjusted for amortization of premium or     
accretion of discount; for equity securities, cost represents original  
   cost; for real estate, cost represents original cost reduced by impairments
and depreciation; for real estate joint ventures and other limited      
partnership interests, cost represents original cost reduced for        
impairments or original cost adjusted for equity in earnings and        
distributions.                                                          

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule III  
Consolidated Supplementary Insurance Information  
December 31, 2018 and 2017  

(In millions) 

                                                        [Enlarge/Download Table]

                            Future Policy Benefits,                                                         
                             Other Policy-Related                                                           
                     DAC         Balances and       Policyholder Policyholder                               
                     and     Policyholder Dividend    Account     Dividends       Unearned        Unearned  
Segment              VOBA         Obligation          Balances     Payable    Premiums (1), (2)  Revenue (1)
------------------ -------- ----------------------- ------------ ------------ ----------------- ------------
                                                                                                            
2018                                                                                                        
U.S............... $    403        $         67,770   $   67,233     $     --      $        137     $     26
MetLife Holdings..    3,709                  65,730       23,423          494               159          167
Corporate & Other.        5                     291           --           --                --           --
                   -------- ----------------------- ------------ ------------ ----------------- ------------
  Total........... $  4,117        $        133,791   $   90,656     $    494      $        296     $    193
                   ======== ======================= ============ ============ ================= ============
2017                                                                                                        
U.S............... $    413        $         61,665   $   69,559     $     --      $        165     $     23
MetLife Holdings..    3,930                  66,753       24,380          499               162          179
Corporate & Other.        5                     294           --           --                --           --
                   -------- ----------------------- ------------ ------------ ----------------- ------------
  Total........... $  4,348        $        128,712   $   93,939     $    499      $        327     $    202
                   ======== ======================= ============ ============ ================= ============

--------                                                                        
(1) Amounts are included within the future policy benefits, other               
policy-related balances and policyholder dividend obligation column.    

(2) Includes premiums received in advance.                                      

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule III  
Consolidated Supplementary Insurance Information -- (continued) 

For the Years Ended December 31, 2018, 2017 and 2016  

(In millions) 

                                                        [Enlarge/Download Table]

                                                     Policyholder    Amortization of              
                                                     Benefits and        DAC and                  
                      Premiums and                    Claims and          VOBA                    
                     Universal Life       Net      Interest Credited   Charged to                 
                   and Investment-Type Investment   to Policyholder       Other          Other    
Segment            Product Policy Fees   Income     Account Balances    Expenses      Expenses (1)
------------------ ------------------- ----------- ----------------- --------------- -------------
                                                                                                  
2018                                                                                              
U.S...............   $          24,411 $     6,429    $       25,922    $         75    $    2,810
MetLife Holdings..               4,306       4,653             5,649             395         2,079
Corporate & Other.                  20       (163)                 5              --           917
                   ------------------- ----------- ----------------- --------------- -------------
  Total...........   $          28,737 $    10,919    $       31,576    $        470    $    5,806
                   =================== =========== ================= =============== =============
2017                                                                                              
U.S...............   $          20,500 $     6,012    $       22,019    $         56    $    2,680
MetLife Holdings..               4,643       4,758             6,004             185         2,293
Corporate & Other.                   9       (257)                 4              --         1,018
                   ------------------- ----------- ----------------- --------------- -------------
  Total...........   $          25,152 $    10,513    $       28,027    $        241    $    5,991
                   =================== =========== ================= =============== =============
2016                                                                                              
U.S...............   $          18,909 $     5,811    $       20,263    $         56    $    2,721
MetLife Holdings..               5,739       5,355             7,128             342         2,797
Corporate & Other.                 287        (83)               155              43         1,044
                   ------------------- ----------- ----------------- --------------- -------------
  Total...........   $          24,935 $    11,083    $       27,546    $        441    $    6,562
                   =================== =========== ================= =============== =============

----------                                                                      
(1) Includes other expenses and policyholder dividends, excluding amortization  
of DAC and VOBA charged to other expenses.                              

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Metropolitan Life Insurance Company 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule IV 

Consolidated Reinsurance  
December 31, 2018, 2017 and 2016  

(Dollars in millions) 

                                                        [Enlarge/Download Table]

                                                                                      % Amount 
                                                                                     Assumed   
                              Gross Amount    Ceded        Assumed     Net Amount     to Net   
                             ------------- ------------ ------------ ------------- ----------- 
                                                                                               
2018                                                                                           
Life insurance in-force..... $   3,736,612 $    260,086 $    453,560 $   3,930,086        11.5%
                             ============= ============ ============ =============             
Insurance premium                                                                              
Life insurance (1).......... $      19,673 $        894 $        725 $      19,504         3.7%
Accident & health insurance.         7,210          128           27         7,109         0.4%
                             ------------- ------------ ------------ -------------             
 Total insurance premium.... $      26,883 $      1,022 $        752 $      26,613         2.8%
                             ============= ============ ============ =============             
2017                                                                                           
Life insurance in-force..... $   3,377,964 $    266,895 $    490,033 $   3,601,102        13.6%
                             ============= ============ ============ =============             
Insurance premium                                                                              
Life insurance (1).......... $      16,022 $      1,132 $      1,097 $      15,987         6.9%
Accident & health insurance.         7,040          121           19         6,938         0.3%
                             ------------- ------------ ------------ -------------             
 Total insurance premium.... $      23,062 $      1,253 $      1,116 $      22,925         4.9%
                             ============= ============ ============ =============             
2016                                                                                           
Life insurance in-force..... $   3,013,618 $    277,693 $    777,037 $   3,512,962        22.1%
                             ============= ============ ============ =============             
Insurance premium                                                                              
Life insurance (1).......... $      14,931 $      1,101 $      1,668 $      15,498        10.8%
Accident & health insurance.         7,000          124           19         6,895         0.3%
                             ------------- ------------ ------------ -------------             
 Total insurance premium.... $      21,931 $      1,225 $      1,687 $      22,393         7.5%
                             ============= ============ ============ =============             

--------                                                                        
(1) Includes annuities with life contingencies.                                 

  For the year ended December 31, 2018, reinsurance ceded and assumed included
affiliated transactions for life insurance in-force of $14.7 billion and        
$1.2 billion, respectively, and life insurance premiums of $117 million and     
$9 million, respectively. For the year ended December 31, 2017, reinsurance     
ceded and assumed included affiliated transactions for life insurance in-force  
of $16.2 billion and $1.3 billion, respectively, and life insurance premiums of 
$132 million and $122 million, respectively. For the year ended December 31,    
2016, reinsurance ceded and assumed included affiliated transactions for life   
insurance in-force of $17.6 billion and $258.3 billion, respectively, and life  
insurance premiums of $45 million and $727 million, respectively.               

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PART C

Other Information 
-----------------                                                               

ITEM 24. FINANCIAL STATEMENTS AND EXHIBITS                                      

(a) Financial Statements                                                        

The financial statements and financial highlights of each of the Divisions of   
the Separate Account are included in Part B hereof and include:                 

(1)   Report of Independent Registered Public Accounting Firm             

(2)   Statements of Assets and Liabilities as of December 31, 2018        

(3)   Statements of Operations for the year ended December 31, 2018       

(4)   Statements of Changes in Net Assets for the years ended December 31,
2018 and 2017                                                 

(5)   Notes to the Financial Statements                                   

The consolidated financial statements and financial statement schedules of      
Metropolitan Life Insurance Company and subsidiaries are included in Part B     
hereof and include:                                                             

(1)   Report of Independent Registered Public Accounting Firm             

(2)   Consolidated Balance Sheets as of December 31, 2018 and 2017        

(3)   Consolidated Statements of Operations for the years ended December  
31, 2018, 2017 and 2016                                       

(4)   Consolidated Statements of Comprehensive Income (Loss) for the years
ended December 31, 2018, 2017 and 2016                        

(5)   Consolidated Statements of Equity for the years ended December 31,  
2018, 2017 and 2016                                           

(6)   Consolidated Statements of Cash Flows for the years ended December  
31, 2018, 2017 and 2016                                       

(7)   Notes to the Consolidated Financial Statements                      

(8)   Financial Statement Schedules                                       

(b) Exhibits                                                                    

EXHIBIT                                                                         
NUMBER                DESCRIPTION                                               
------                -----------                                               

1.                    Resolution of the Board of Directors of Metropolitan Life 
                     Insurance Company establishing Separate Account E. (Filed
               with Post-Effective Amendment No.19 to Registration
                Statement No.2-90380/811-04001 for Metropolitan Life
                   Separate Account E on Form N-4 on February 27, 1996. As
incorporated herein by reference.)  

2.                    Not Applicable                                            

3(a).                 Amended and Restated Distribution and Principal           
                    Underwriting Agreement among Metropolitan Life Insurance
               Company and MetLife Investors Distribution Company.
(Filed herewith.)                   

3(b).                 Form of Retail Sales Agreement (MLIDC Retail Sales        
              Agreement 7-1-05)(LTC). (Filed with Post-Effective
         Amendment No.13 to Registration Statement No.
              333-83716/811-04001 for Metropolitan Life Separate
                    Account E on Form N-4 on April 25, 2006. As incorporated
herein by reference.)               

3(b)(i).              Form of Enterprise Selling Agreement 02-10 (MetLife       
                   Investors Distribution Company Sales Agreement). (Filed
               with Post-Effective Amendment No.14 to Registration
                   Statement File No. 333-83716/811-04001 for Metropolitan
                     Life Separate Account E on Form N-4 on April 13, 2010. As
incorporated herein by reference.)  

3(b)(ii).             Form of Enterprise Selling Agreement 09-12 (MetLife       
                   Investors Distribution Company Sales Agreement). (Filed
               with Post-Effective Amendment No.17 to Registration
                   Statement File No. 333-83716/811-04001 for Metropolitan
                     Life Separate Account E on Form N-4 on April 11, 2013. As
incorporated herein by reference.)  

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

3(c).                 Participation Agreement -- American Funds Insurance       
               Series. (Filed with Pre-Effective Amendment No.1 to
              Registration Statement No. 333-52366/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                 August 3, 2001. As incorporated herein by reference.)

3(c)(i).              Participation Agreement -- American Funds Insurance       
                 Series - Summary (Filed with Post-Effective Amendment
                   No.15 to Registration Statement File No. 333-83716/811-
                  04001 for Metropolitan Life Separate Account E on Form
            N-4 on April 12, 2011. As incorporated herein by
reference.)                         

3(c)(ii)              Amendment No. 4 to Participation Agreement between        
               Metropolitan Life Insurance Company, American Funds
                Insurance Series and Capital Research and Management
        Company dated November 19, 2014. (Filed with
                     Post-Effective Amendment No. 18 to Registration Statement
               File No. 333-176654/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 13, 2016. As
incorporated herein by reference.)  

3(c)(iii)             Amendment No. 3 dated May 1, 2016 to the Participation    
                Agreement dated May 16, 1998 among Metropolitan Life
                  Insurance Company, American Funds Insurance Series and
                Capital Research and Management Company. (Filed with
                     Post-Effective Amendment No. 19 to Registration Statement
               File No. 333-176654/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 12, 2017. As
incorporated herein by reference.)  

3(d)                  [Reserved]                                                

3(e).                 Participation Agreement -- Met Investors Series Trust.    
  (Filed with Registration Statement No.
              333-83716/811-04001 for Metropolitan Life Separate
                   Account E on Form N-4 on March 5, 2002. As incorporated
herein by reference.)               

3(e)(i).              First Amendment to the Participation Agreement (Filed     
               with Post-Effective Amendment No. 2 to Registration
                    Statement File No. 333-153109/811-04001 for Metropolitan
                    Life Separate Account E on Form N-4 on June 29, 2009. As
incorporated herein by reference.)  

3(e)(ii).             Second Amendment to the Participation Agreement (Filed    
               with Post-Effective Amendment No. 2 to Registration
                    Statement File No. 333-153109/811-04001 for Metropolitan
                    Life Separate Account E on Form N-4 on June 29, 2009. As
incorporated herein by reference.)  

3(e)(iii).            Amendment to each of the Participation Agreements         
                   currently in effect between Met Investors Series Trust,
                 MetLife Advisers, LLC, MetLife Investors Distribution
                    Company and Metropolitan Life Insurance Company, MetLife
                   Insurance Company of Connecticut, MetLife Investors USA
                   Insurance Company, MetLife Investors Insurance Company,
                  First MetLife Investors Insurance Company, New England
            Life Insurance Company and General American Life
                   Insurance Company effective April 30, 2010. (Filed with
                    Post-Effective Amendment No.16 to Registration Statement
              File No. 333-83716/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 12, 2012. As
incorporated herein by reference.)  

3(f).                 Participation Agreement -- Metropolitan Series Fund.      
         (Filed with Post-Effective Amendment No. 9 to
          Registration Statement 333-83716/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                     September 10, 2007. As incorporated herein by reference.)

3(f)(i).              Amendment to each of the Participation Agreements         
                 currently in effect between Metropolitan Series Fund,
                 MetLife Advisers, LLC, MetLife Investors Distribution
            Company and Metropolitan Life Insurance Company,
              Metropolitan Tower Life Insurance Company, MetLife
                   Insurance Company of Connecticut, MetLife Investors USA
                   Insurance Company, MetLife Investors Insurance Company,
                  First MetLife Investors Insurance Company, New England
            Life Insurance Company and General American Life
                   Insurance Company effective April 30, 2010. (Filed with
                    Post-Effective Amendment No.16 to Registration Statement
              File No. 333-83716/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 12, 2012. As
incorporated herein by reference.)  

(3)(g).               Form of Participation Agreement with Janus Aspen Series   
         (Filed with Post-Effective Amendment No.16 to
              Registration Statement No. 333-57320/811-06025 for

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

                Metropolitan Life Separate Account UL on Form N-6 on
                 April 30, 2004. As incorporated herein by reference.)

(3)(g)(i).            Amendment No. 3 to Fund Participation Agreements - Janus  
                Aspen Series (Institutional & Service Shares), dated
                   November 25, 2013. (Filed with Post-Effective Amendment
    No. 2 to Registration Statement File No.
               333-190296/811-04001 for Metropolitan Life Separate
                    Account E on Form N-4 on April 17, 2014. As incorporated
herein by reference).               

(3)(h).               Form of Participation Agreement with Franklin Templeton   
               Insurance Products Trust (Filed with Post-Effective
               Amendment No. 16 to Registration Statement No. 033-
                     57320/811-06025 for Metropolitan Life Separate Account UL
                    on Form N-6 on April 30, 2004. As incorporated herein by
reference.)                         

(3)(h)(i).            Amendment to the Participation Agreement with Franklin    
          Templeton Insurance Products Trust (Filed with
                     Post-Effective Amendment No. 24 to Registration Statement
                  No. 033-57320/811-06025 for Metropolitan Life Separate
                     Account UL on Form N-6 on April 14, 2011. As incorporated
herein by reference.)               

(3)(h)(ii).           Amendment No. 5 to Amended and Restated Participation     
             Agreement - Franklin Templeton Variable Insurance
                  Products Trust, Franklin/Templeton Distributors, Inc.,
                  Metropolitan Life Insurance Company, MetLife Investors
                     Distribution Company, dated December 2, 2013. (Filed with
                    Post-Effective Amendment No. 2 to Registration Statement
               File No. 333-190296/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 17, 2014. As
incorporated herein by reference).  

(3)(h)(iii)           Amendment to Participation Agreement between Franklin     
        Templeton Variable Insurance Products Trust,
                   Franklin/Templeton Distributors, Inc. Metropolitan Life
                Insurance Company and MetLife Investors Distribution
           Company (effective August 1, 2014). (Filed with
                    Post-Effective Amendment No. 9 to Registration Statement
                   No. 333-147508/811-06025 for Metropolitan Life Separate
                     Account UL on Form N-6 on April 14, 2016. As incorporated
herein by reference.)               

(3)(i).               Participation Agreement with Fidelity Variable Insurance  
                  Products (Filed with Post-Effective Amendment No. 8 to
            Registration Statement No. 2-90380/811-04001 for
                     Metropolitan Life Separate Account E on Form N-4 on April
           30, 1997. As incorporated herein by reference.)

(3)(i)(i).            Amendment to the Participation Agreement with Fidelity    
                  Variable Insurance Products (Filed with Post-Effective
                   Amendment No. 24 to the Registration Statement No. 033-
                     57320/811-06025 for Metropolitan Life Separate Account UL
                    on Form N-6 on April 14, 2011. As incorporated herein by
reference.)                         

(3)(i)(ii)            Amendment dated June 1, 2015 to the Participation         
                  Agreement dated November 25, 2002 between Metropolitan
            Life Insurance Company and Fidelity Distributors
                   Corporation. (Filed with Post-Effective Amendment No. 3
                   to Registration Statement File No. 333-198314/811-04001
                   for Metropolitan Life Separate Account E on Form N-4 on
                 April 12, 2017. As incorporated herein by reference.)

(3)(i)(iii)           Amended and Restated Participation Agreement dated        
              January 24, 2018 among Fidelity Variable Insurance
           Products, Fidelity Distributors Corporation and
            Metropolitan Life Insurance Company. (Filed with
              Post-Effective Amendment No. 5 to the Registration
                    Statement No. 333-190296/811-04001 for Metropolitan Life
                Separate Account E on Form N-4 on April 10, 2018. As
incorporated herein by reference.)  

(3)(j).               Form of Participation Agreement with Delaware VIP Trust   
              (Filed with Post-Effective Amendment No. 16 to the
              Registration Statement No. 033-57320/811-06025 for
                Metropolitan Life Separate Account UL on Form N-6 on
                 April 30, 2004. As incorporated herein by reference.)

(3)(j)(i).            Amendment dated as of November 11, 2013 to the            
                  Participation Agreement dated as of May 14, 2004 among
                     Delaware VIP Trust, Delaware Management Company, Delaware
              Distributors, L.P. and Metropolitan Life Insurance
                  Company. (Filed with Post-Effective Amendment No. 2 to
                    Registration Statement File No. 333-190296/811-04001 for

                     Metropolitan Life Separate Account E on Form N-4 on April
           17, 2014. As incorporated herein by reference.)

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

(3)(k).               Participation Agreement among Legg Mason Partners         
               Variable Equity Trust, Legg Mason Partners Variable
                  Income Trust, Legg Mason Investors Services, LLC, Legg
                  Mason Partners Fund Advisor, LLC and Metropolitan Life
                    Insurance Company made and entered into January 1, 2009;
                   and Amendment No. 1 to the Participation Agreement made
        and entered into January 1, 2009 (Filed with
                   Pre-Effective Amendment No. 1 to Registration Statement
                  No. 333-16109/811-08628 for Metropolitan Life Variable
               Annuity Separate Account II on November 2, 2009. As
incorporated herein by reference.)  

(3)(k)(i)             Amendment to the Participation Agreement with Legg Mason. 
              (Filed with Post-Effective Amendment No. 24 to the
                  Registration Statement No. 033-57320/811-06025 on Form
            N-6 on April 14, 2011. As incorporated herein by
reference.)                         

(3)(k)(ii)            Amendment No. 3 to the Participation Agreement, dated     
                  December 1, 2013. (Filed with Post-Effective Amendment
         No. 2 to Registration Statement File No. 333-
                     190296/811-04001 for Metropolitan Life Separate Account E
                    on Form N-4 on April 17, 2014. As incorporated herein by
reference).                         

(3)(l)                Participation Agreement dated March 6, 2017 by and among  
                  Brighthouse Funds Trust I, Metropolitan Life Insurance
             Company, Brighthouse Investment Advisers, LLC and
                   Brighthouse Securities, LLC. (Filed with Post-Effective
     Amendment No. 19 to Registration File No.
              333-176654/811-04001 for Metropoitan Life Separate
                    Account E on Form N-4 on April 12, 2017. As incorporated
herein by reference.)               

(3)(m)                Participation Agreement dated March 6, 2017 by and among  
                   Brighthouse Funds Trust II, Metropolitan Life Insurance
             Company, Brighthouse Investment Advisers, LLC and
                   Brighthouse Securities, LLC. (Filed with Post-Effective
               Amendment No. 19 to Registration Statement File No.
               333-176654/811-04001 for Metropolitan Life Separate
                    Account E on Form N-4 on April 12, 2017. As incorporated
herein by reference.)               

4.                    Contracts, Certificates and Endorsements (Filed with the  
                   initial Registration Statement No. 333-190296/811-04001
on August 1, 2013.)                 

4(a).                 Form of Gold Track Select Contract and Contract Schedule  
             (New York Version) (M-14669 (4223)). For use with
           non-ERISA 403(b) plans. (Filed with the initial
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

4(a)(i).              Form of Gold Track Select Certificate and Certificate     
                 Schedule (New York Version) (M-14672 (4223)). For use
               with non-ERISA 403(b) participants. (Filed with the
                   initial Registration Statement No. 333-190296/811-04001
on August 1, 2013.)                 

4(a)(ii).             Fixed Account Rider (New York Version) (M-14750A (4223)). 
                     For use with non-ERISA 403(b) contracts and certificates.
            (Filed with Pre-Effective Amendment No. 1 to the
                   Registration Statement No. 333-190296/811-04001 on Form
              N-4 on November 1, 2013. As incorporated herein by
              reference. Replaces version filed with the initial
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

4(b).                 Form of Gold Track Select Contract and Contract Schedule  
                 (New York Version) (M-14669 (Non-4223)). For use with
                  ERISA 403(b), allocated 401 and 457 plans. (Filed with
  the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(b)(i).              Form of Gold Track Select Certificate and Certificate     
                     Schedule (New York Version) (M-14672 (Non-4223)). For use
                  with ERISA 403(b), allocated 401 and 457 participants.
              (Filed with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(b)(ii).             Fixed Account Rider (New York Version) (M-14708           
                     (Non-4223)). For use with ERISA 403(b), allocated 401 and
                   457 contracts and certificates, except those subject to
                   New York Deferred Compensation Board Rules. (Filed with
  the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(b)(iii).            Fixed Account Rider (New York Version) (M-22434           
                    (Non-4223)). For use with 457 contracts and certificates
                  in 457 plans subject to New York Deferred Compensation
                     Board Rules. (Filed with Pre-Effective Amendment No. 1 to
                   the Registration Statement No. 333-190296/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                  November 1, 2013. As incorporated herein by reference.
Replaces                            

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

                     version filed with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(c).                 Form of Gold Track Select Contract and Contract Schedule  
                  (New York Version) (M-14634). For use with unallocated
                     401 plans. (Filed with the initial Registration Statement
        No. 333-190296/811-04001 on August 1, 2013.)

4(c)(i).              Fixed Account Rider (New York Version) (M-22155). For use 
                   with unallocated 401 contracts. (Filed with the initial
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

4(d).                 401(a)/403(a) Plan Endorsement (ML-401-3-NY (5/11)).      
              (Filed with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(e).                 457(b) Plan Endorsement (Governmental and Tax-Exempt)     
                  (M-22493 (7/13)). (Filed with the initial Registration
                  Statement No. 333-190296/811-04001 on August 1, 2013.)

4(f).                 Roth 401 Endorsement (ML-G-Roth-401 (11/05)). (Filed with 
  the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(g).                 Tax-Sheltered Annuity Endorsement (ML-398-3 (12/08)).     
              (Filed with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(h).                 Roth 403(b) Endorsement (ML-G-Roth-398 (11/05)). (Filed   
       with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(i).                 Automatic Rollover Endorsement. (M-22472 (7/13)). (Filed  
       with the initial Registration Statement No.
    333-190296/811-04001 on August 1, 2013.)

4(j).                 Cash Loan Rider (M-22172-A). (Filed with the initial      
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

4(k).                 Death Benefit Endorsement. (M-22120). For use with        
             unallocated 401 contract. (Filed with the initial
                     Registration Statement No. 333-190296/811-04001 on August
1, 2013.)                           

5(a).                 Master Data Sheet for Gold Track Select (M-21158). (Filed 
                  with Pre-Effective Amendment No. 1 to the Registration
                    Statement No. 333-190296/811-04001 for Metropolitan Life
                  Separate Account E on Form N-4 on November 1, 2013. As
incorporated herein by reference.)  

5(b).                 Enrollment Form for Gold Track Select (M-21018 GTS-PRC).  
            (Filed with Pre-Effective Amendment No. 1 to the
               Registration Statement No. 333-190296/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                   November 1, 2013. As incorporated herein by reference.)

5(c).                 Enrollment Form for Gold Track Select (M-21018 GTS-MLR).  
            (Filed with Pre-Effective Amendment No. 1 to the
               Registration Statement No. 333-190296/811-04001 for
               Metropolitan Life Separate Account E on Form N-4 on
                   November 1, 2013. As incorporated herein by reference.)

(6)(a).               Amended and Restated Charter of Metropolitan Life. (Filed 
                  with Registration Statement No.333-83716/811-04001 for
                     Metropolitan Life Separate Account E on Form N-4 on March
          5, 2002. As incorporated herein by reference.)

6(b).                 Amended and Restated By-Laws of Metropolitan Life. (Filed 
                with Post-Effective Amendment No. 19 to Registration
                    Statement File No. 333-176654/811-04001 for Metropolitan
                     Life Separate Account E on Form N-4 on April 12, 2017. As
incorporated herein by reference.)  

7.                    Not Applicable                                            

8.                    Not Applicable                                            

9.                    Opinion of Counsel. (Filed with Pre-Effective Amendment   
   No. 1 to the Registration Statement No.
               333-190296/811-04001 for Metropolitan Life Separate
         Account E on Form N-4 on November 1, 2013. As
incorporated herein by reference.)  

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EXHIBITNUMBER         DESCRIPTION                                               
------         -----------                                        

10.                   Consent of Deloitte & Touche LLP, Independent Registered  
     Public Accounting Firm. (Filed herewith.)

11.                   Not Applicable                                            

12.                   Not Applicable                                            

13.                   Powers of Attorney for Metropolitan Life Insurance        
                Company and its designated Separate Accounts. (Filed
herewith.)                          

ITEM 25. DIRECTORS AND OFFICERS OF THE DEPOSITOR                                

                                                        [Enlarge/Download Table]

NAME AND PRINCIPAL                              POSITIONS AND OFFICES                                       
BUSINESS ADDRESS                                WITH DEPOSITOR                                              
----------------------------------------------  ------------------------------------------------------------
                                                                                                            
Steven A. Kandarian                             Chairman, President, Chief Executive Officer and a Director 
MetLife, Inc. and Metropolitan Life Insurance                                                               
Company                                                                                                     
200 Park Avenue                                                                                             
New York, NY 10166                                                                                          

                                                                [Download Table]
                                                      
Cheryl W. Grise                               Director
Former Executive Vice President, Northeast            
Utilities                                             
200 Park Avenue                                       
New York, New York 10166                              

                                                                [Download Table]
                                            
Carlos M. Gutierrez                 Director
Co-Chair                                    
Albright Stonebridge Group (ASG)            
200 Park Avenue                             
New York, NY 10166                          

                                                                [Download Table]
                                                   
Gerald L. Hassell                          Director
Former Chairman of the Board and CEO               
The Bank of New York Mellon Corporation            
200 Park Avenue                                    
New York, NY 10166                                 

                                                                [Download Table]
                               
David L. Herzog        Director
AIG                            
200 Park Avenue                
New York, NY 10166             

                                                                [Download Table]
                                                   
R. Glenn Hubbard                           Director
Dean and Russell L. Carson Professor of            
Finance and Economics                              
Graduate School of Business                        
Columbia University                                
Uris Hall-Rm 101                                   
3200 Park Avenue                                   
New York, NY 10166                                 

                                                                [Download Table]
                                                         
Edward J. Kelly, III.                            Director
Former Chairman, Institutional Clients Group,            
Citigroup, Inc.                                          
200 Park Avenue                                          
New York, New York 10166                                 

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                                                                [Download Table]
                                                  
William E. Kennard                        Director
Former U.S. Ambassador to the European            
Union                                             
200 Park Avenue,                                  
New York, New York 10166                          

                                                                [Download Table]
                               
James M. Kilts         Director
Founding Partner               
Centerview Capital             
200 Park Avenue                
New York, NY 10166             

                                                                [Download Table]
                                                     
Catherine R. Kinney                          Director
Founding President and Co-Chief Operating            
Officer,                                             
New York Stock Exchange, Inc.                        
200 Park Avenue                                      
New York, New York 10166                             

                                                                [Download Table]
                                                        
Denise M. Morrison                              Director
Former President and Chief Executive Officer            
Campbell Soup Company                                   
200 Park Avenue                                         
New York, NY 10166                                      

Set forth below is a list of certain principal officers of MetLife. The         
principal business address of each officer of MetLife is 200 Park Avenue, New   
York, New York 10166                                                            

                                                        [Enlarge/Download Table]

NAME                   POSITION WITH METLIFE                                            
---------------------  -----------------------------------------------------------------
                                                                                        
Steven A. Kandarian    Chairman, President and Chief Executive Officer                  
Michel A. Khalaf       President - U.S. Business and EMEA                               
Karl R. Erhardt        Executive Vice President and Chief Auditor                       
Steven J. Goulart      Executive Vice President and Chief Investment Officer            
John McCallion         Executive Vice President and Chief Financial Officer             
Esther Lee             Executive Vice President, Global Chief Marketing Officer         
Martin J. Lippert      Executive Vice President, Global Technology & Operations Officer 
Edward Spehar, Jr.     Executive Vice President and Treasurer                           
Tamara Schock          Executive Vice President and Chief Accounting Officer            
Susan Podlogar         Executive Vice President and Chief Human Resources Officer       
Rebecca Tadikonda      Executive Vice President and Chief Strategy Officer              
Ramy Tadros            Executive Vice President and Chief Risk Officer                  
Michael Zarcone        Executive Vice President                                         
Stephen W. Gauster     Executive Vice President and General Counsel                     

ITEM 26. PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR    
REGISTRANT                                                                      

The Registrant is a separate account of Metropolitan Life Insurance Company     
under New York insurance law. Under said law the assets allocated to the        
separate account are the property of Metropolitan Life Insurance Company, which 
is a wholly-owned subsidiary of MetLife, Inc. The following outline indicates   
those persons who are controlled by or under common control with MetLife, Inc.  
No person is controlled by the Registrant.                                      

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ORGANIZATIONAL STRUCTURE OF METLIFE, INC. AND SUBSIDIARIES
 AS OF December 31, 2018

The following is a list of subsidiaries of MetLife, Inc. updated as of          
December 31, 2018. 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)                                                  

1.    MetLife Services and Solutions, LLC (DE)                      

a)    MetLife Solutions Pte. Ltd. (Singapore)           

                i)    MetLife Services East Private Limited (India) - 99.99%
                   is owned by MetLife Solutions Pte. Ltd. and .01% by
Natiloportem Holdings, LLC      

                  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,
LLC.                            

B.    MetLife Home Loans, LLC (DE)                                              

C.    Metropolitan Tower Life Insurance Company (NE)                            

1.    EntreCap Real Estate II LLC (DE)                              

a)    PREFCO Dix-Huit LLC (CT)                          

b)    PREFCO X Holdings LLC (CT)                        

   c)    PREFCO Ten Limited Partnership (CT) - a 99.9% limited
                  partnership interest of PREFCO Ten Limited Partnership is held
   by EntreCap Real Estate II LLC and 0.1% general
 partnership is held by PREFCO X Holdings LLC.

d)    PREFCO Vingt LLC (CT)                             

    e)    PREFCO Twenty Limited Partnership (CT) - a 99% limited
                partnership interest of PREFCO Twenty Limited Partnership is
      held by EntreCap Real Estate II LLC and 1% general
partnership is held by PREFCO Vingt LLC.    

2.     Plaza Drive Properties LLC (DE)                                

3.     MTL Leasing, LLC (DE)                                          

a)    PREFCO IX Realty LLC (CT)                         

b)    PREFCO XIV Holdings LLC (CT)                      

         c)    PREFCO Fourteen Limited Partnership (CT) -  a 99.9% limited
               partnership interest of PREFCO Fourteen Limited Partnership
               is held by MTL Leasing, LLC and 0.1% general partnership is
held by PREFCO XIV Holdings LLC.            

d)    1320 Venture LLC (DE)                             

                i)  1320 Owner LP (DE) - a 99.9% limited partnership of 1320
                 Owner LP is held by 1320 Venture LLC and 0.1% general
partnership is held by 1320 GP LLC. 

e)    1320 GP LLC (DE)                                  

4.     MetLife Assignment Company, Inc. (DE)                          

D.    MetLife Chile Inversiones Limitada (Chile) - 72.35109659% is owned by     
    MetLife, Inc., 24.8823628% by American Life Insurance Company ("ALICO"),
2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 
0.00000004% is owned by Natiloportem Holdings, LLC.                 

 1.    MetLife Chile Seguros de Vida S.A. (Chile) - 99.996% of MetLife
       Chile Seguros de Vida S.A. is held by MetLife Chile Inversiones
   Limitada and 0.003% by International Technical and Advisory
Services Limited ("ITAS") and the rest by third parties.

      a)    MetLife Chile Administradora de Mutuos Hipotecarios S.A.
             (Chile) - 99.9% of MetLife Chile Administradora de Mutuos
               Hipotecarios S.A.  is held by MetLife Chile Seguros de Vida
                S.A. and 0.1% is held by MetLife Chile Inversiones Limitada.

2.    Inversiones MetLife Holdco Tres Limitada (Chile) - 97.13% of  
          Inversiones MetLife Holdco Tres Limitada is owned by MetLife Chile
      Inversiones Limitada and 2.87% is owned by Inversiones MetLife
Holdco Dos Limitada.                                    

        a)    AFP Provida S.A. (Chile) - 42.3815% of AFP Provida S.A. is
                 owned by Inversiones MetLife Holdco Dos Limitada, 42.3815% is
                  owned by Inversiones MetLife Holdco Tres Limitada, 10.9224% is
                 owned by MetLife Chile Inversiones Limitada and the remainder
is owned by the public.                     

                i)    Provida Internacional S.A. (Chile) - 99.99% of Provida
                  Internacional S.A. is owned by AFP Provida S.A and
                     0.01% is owned by MetLife Chile Inversiones Limitada.

                        1)    AFP Genesis Administradora de Fondos y Fidecomisos
                 S.A. (Ecuador) - 99.9% of AFP Genesis
                          Administradora de Fondos y Fidecomisos S.A. is
                        owned by Provida Internacional S.A. and 0.1%
by AFP Provida S.A. 

  3.    MetLife Chile Seguros Generales S.A. (Chile) - 99.98% of MetLife
          Chile Seguros Generales S.A. is owned by MetLife Chile Inversiones
     Limitada and 0.02% is owned by Inversiones MetLife Holdco Dos
Limitada.                                               

E.    MetLife Digital Ventures, Inc. (DE)                                       

F.    Metropolitan Property and Casualty Insurance Company (RI)                 

1.    Metropolitan General Insurance Company (RI)                   

2.    Metropolitan Casualty Insurance Company (RI)                  

  3.    Metropolitan Direct Property and Casualty Insurance Company (RI)

4.    MetLife Auto & Home Insurance Agency, Inc. (RI)               

 5.    Metropolitan Group Property and Casualty Insurance Company (RI)

6.    Metropolitan Lloyds, Inc. (TX)                                

  a)    Metropolitan Lloyds Insurance Company of Texas (TX)-
                 Metropolitan Lloyds Insurance Company of Texas, an affiliated
           association, provides automobile, homeowner and related
           insurance for the Texas market. It is an association of
                individuals designated as underwriters. Metropolitan Lloyds,
            Inc., a subsidiary of Metropolitan Property and Casualty
                 Insurance Company, serves as the attorney-in-fact and manages
the association.                            

7.    Economy Fire & Casualty Company (IL)                          

a)    Economy Preferred Insurance Company (IL)          

b)    Economy Premier Assurance Company (IL)            

G.    Newbury Insurance Company, Limited (DE)                                   

H.    MetLife Investors Group, LLC (DE)                                         

1.    MetLife Investors Distribution Company (MO)                   

2.    MetLife Investments Securities, LLC (DE)                      

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I.    Metropolitan Life Insurance Company ("MLIC") (NY)                         

1.    ML Sloan's Lake Member, LLC (DE) - Metropolitan Life Insurance
     Company owns 55% and 45% by Metropolitan Tower Life Insurance
Company.                                                

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)                        

b)    OMI MLIC Investments Limited (Cayman Islands)     

3.    Sandpiper Cove Associates II, LLC (DE)                        

4.    MLIC Asset Holdings II LLC (DE)                               

a)    El Conquistador MAH II LLC (DE)                   

5.    CC Holdco Manager, LLC (DE)                                   

6.    Alternative Fuels I, LLC (DE)                                 

7.    Transmountain Land & Livestock Company (MT)                   

8.    HPZ Assets LLC (DE)                                           

9.    Missouri Reinsurance, Inc. (Cayman Islands)                   

10.   Metropolitan Tower Realty Company, Inc. (DE)                  

a)    Midtown Heights, LLC (DE)                         

11.   ML New River Village III, LLC (DE)                            

12.   MetLife RC SF Member, LLC (DE)                                

13.   23rd Street Investments, Inc. (DE)                            

      a)    MetLife Capital Credit L.P. (DE)- 1% General Partnership
             interest is held by 23rd Street Investments, Inc. and 99%
             Limited Partnership interest is held by Metropolitan Life
Insurance Company.                          

   b)    MetLife Capital, Limited Partnership (DE)- 1% General
                 Partnership interest is held by 23rd Street Investments, Inc.
                and 99% Limited Partnership interest is held by Metropolitan
Life Insurance Company.                     

         i)    Long Island Solar Farm LLC ("LISF")(DE) - 9.61%
                       membership interest is held by a third party and 90.39%
                  membership interest is held by LISF Solar Trust in
                   which MetLife Capital, Limited Partnership has 100%
beneficial interest.            

ii)   Met Canada Solar ULC (Canada)         

14.   Hyatt Legal Plans, Inc. (DE)                                  

a)    Hyatt Legal Plans of Florida, Inc. (FL)           

15.   MetLife Holdings, Inc. (DE)                                   

a)    MetLife Credit Corp. (DE)                         

b)    MetLife Funding, Inc. (DE)                        

16.   Met II Office Mezzanine, LLC (FL) - 10.4167% of the membership
          interest is owned by Metropolitan Tower Life Insurance Company and
 89.5833% is owned by Metropolitan Life Insurance Company.

a)    Met II Office, LLC (FL)                           

      17.   ML Southlands Member, LLC (DE) - Metropolitan Life Insurance Company
      owns 60% and 40% by Metropolitan Tower Life Insurance Company.

18.   Corporate Real Estate Holdings, LLC (DE)                      

19.   MetLife Tower Resources Group, Inc. (DE)                      

20.   ML Sentinel Square Member, LLC (DE)                           

21.   MetLife Securitization Depositor, LLC (DE)                    

22.   WFP 1000 Holding Company GP, LLC (DE)                         

23.   White Oak Royalty Company (OK)                                

24.   500 Grant Street GP LLC (DE)                                  

   25.   500 Grant Street Associates Limited Partnership (CT) - 99% of 500
           Grant Street Associates Limited Partnership is held by Metropolitan
 Life Insurance Company and 1% by 500 Grant Street GP LLC.

     26.   MetLife Mall Ventures Limited Partnership (DE) - 99% LP interest of
            MetLife Mall Ventures Limited Partnership is owned by MLIC and 1% GP
    interest is owned by Metropolitan Tower Realty Company, Inc.

27.   MetLife Retirement Services LLC (NJ)                          

28.   Euro CL Investments, LLC (DE)                                 

29.   MEX DF Properties, LLC (DE)                                   

    a)   MPLife, S. de R.L. de C.V. (Mexico) - 99.99% of MPLife,
           S. de R.L. de C.V. is owned by MEX DF Properties, LLC and
0.01% is owned by Euro CL Investments LLC.    

   30.   MSV Irvine Property, LLC (DE) - 4% of MSV Irvine Property, LLC is
         owned by Metropolitan Tower Realty Company, Inc. and 96% is owned
by Metropolitan Life Insurance Company.                 

31.   MetLife Properties Ventures, LLC (DE)                         

32.   Housing Fund Manager, LLC (DE)                                

       a)   MTC Fund I, LLC (DE) - 0.01% of MTC Fund I, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

         b)   MTC Fund II, LLC (DE) - 0.01% of MTC Fund II, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

           c)   MTC Fund III, LLC (DE) - 0.01% of MTC Fund III, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

33.   MLIC Asset Holdings LLC (DE)                                  

34.   85 Broad Street Mezzanine LLC (DE)                            

35.   The Building at 575 Fifth Avenue Mezzanine LLC (DE)           

a)   The Building at 575 Fifth Retail Holding LLC (DE)  

      i)   The Building at 575 Fifth Retail Owner LLC (DE)

36.   ML Bridgeside Apartments LLC (DE)                             

37.   MetLife Chino Member, LLC (DE)                                

38.   MLIC CB Holdings LLC (DE)                                     

    39.   MetLife CC Member, LLC (DE) - 95.122% of MetLife CC Member, LLC is
           owned by Metropolitan Life Insurance Company and 4.878% is owned by
Metropolitan Tower Life Insurance Company.              

40.   Oconee Hotel Company, LLC (DE)                                

41.   Oconee Land Company, LLC (DE)                                 

a)  Oconee Land Development Company, LLC (DE)           

b)  Oconee Golf Company, LLC (DE)                       

c)  Oconee Marina Company, LLC (DE)                     

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42.   1201 TAB Manager, LLC (DE)                                    

43.   MetLife 1201 TAB Member, LLC (DE) - 96.9% of MetLife 1201 TAB 
            Member, LLC is owned by Metropolitan Life Insurance Company and 3.1%
         is owned by Metropolitan Property and Casualty Insurance Company.

  44.   MetLife LHH Member, LLC (DE) - 99% of MetLife LHH Member, LLC is
        owned by Metropolitan Life Insurance Company, and 1% is owned by
Metropolitan Tower Life Insurance Company.              

45.   1001 Properties, LLC (DE)                                     

46.   6104 Hollywood, LLC (DE)                                      

47.   Boulevard Residential, LLC (DE)                               

48.   ML-AI MetLife Member 3, LLC (DE)                              

     49.   Sandpiper Cove Associates, LLC (DE) - 90.59% membership interest of
          Sandpiper Cove Associates, LLC is owned by MLIC and 9.41% is owned
by Metropolitan Tower Realty Company, Inc.              

50.   Marketplace Residences, LLC (DE)                              

51.   ML Swan Mezz, LLC (DE)                                        

a)    ML Swan GP, LLC (DE)                              

52.   ML Dolphin Mezz, LLC (DE)                                     

a)    ML Dolphin GP, LLC (DE)                           

53.   Haskell East Village, LLC (DE)                                

54.   MetLife Cabo Hilton Member, LLC (DE) - 83.1% of MetLife Cabo  
        Hilton Member, LLC is owned by MLIC, 16.9% by Metropolitan Tower
Life Insurance Company.                                 

55.   150 North Riverside PE Member, LLC (DE) - MLIC owns an 81.45% 
         membership interest and Metropolitan Tower Life Insurance Company
owns a 18.55% membership interest                       

56.   ML Terraces, LLC (DE)                                         

57.   Chestnut Flats Wind, LLC (DE)                                 

58.   MetLife 425 MKT Member, LLC (DE)                              

59.   MetLife OFC Member, LLC (DE)                                  

60.   MetLife THR Investor, LLC (DE)                                

    61.   ML Southmore, LLC (DE) - 99% of ML Southmore, LLC is owned by MLIC
and 1% by Metropolitan Tower Life Insurance Company.    

62.   ML - AI MetLife Member 1, LLC (DE) - 95.199% of the membership
         interest is owned by MLIC and 4.801% by Metropolitan Property and
Casualty Insurance Company.                             

63.   MetLife CB W/A, LLC (DE)                                      

     64.   MetLife Camino Ramon Member, LLC (DE) - 99% of MetLife Camino Ramon
      Member, LLC is owned by MLIC and 1% by Metropolitan Tower Life
Insurance Company.                                      

65.   10700 Wilshire, LLC (DE)                                      

66.   Viridian Miracle Mile, LLC (DE)                               

67.   MetLife 555 12th Member, LLC (DE) - 94.6% is owned by MLIC and
5.4% by Metropolitan Tower Life Insurance Company.      

68.   MetLife OBS Member, LLC (DE)                                  

69.   MetLife 1007 Stewart, LLC (DE)                                

      70.   ML-AI MetLife Member 2, LLC (DE) - 98.97% of ML-AI MetLife Member 2,
           LLC's ownership interest is owned by MLIC and 1.03% by Metropolitan
Tower Life Insurance Company.                           

71.   MetLife Treat Towers Member, LLC (DE)                         

72.   MetLife FM Hotel Member, LLC (DE)                             

a)   LHCW Holdings (U.S.) LLC (DE)                      

i)   LHC Holdings (U.S.) LLC (DE)             

1)    LHCW Hotel Holding LLC (DE)   

                 aa)    LHCW Hotel Holding (2002) LLC (DE)

                           bb)    LHCW Hotel Operating Company (2002) LLC (DE)

 73.   ML Mililani Member, LLC (DE)- is owned at 95% by MLIC and 5% by
Metropolitan Tower Life Insurance Company.              

74.   MetLife SP Holdings, LLC (DE)                                 

a)   MetLife Private Equity Holdings, LLC (DE)          

75.   Buford Logistics Center, LLC (DE)                             

76.   MetLife Park Tower Member, LLC (DE)                           

a)   Park Tower REIT, Inc. (DE)                         

i)   Park Tower JV Member, LLC (DE)           

77.   MCPP Owners, LLC (DE) - 87.34% is owned by MLIC, 1.81% by     
    Metropolitan Tower Life Insurance Company, and 10.85% by MTL
Leasing, LLC.                                           

78.   MetLife HCMJV 1 GP, LLC (DE)                                  

79.   MetLife ConSquare Member, LLC (DE)                            

80.   MetLife Ontario Street Member, LLC (DE)                       

81.   1925 WJC Owner, LLC (DE)                                      

82.   MetLife Member Solaire, LLC (DE)                              

83.   Sino-US United MetLife Insurance Company, Ltd. - 50% of       
           Sino-US United MetLife Insurance Company, Ltd. Is owned by MLIC and
50% is owned by a third party.                          

84.   MetLife Property Ventures Canada ULC (Canada)                 

85.   MetLife Canadian Property Ventures, LLC (NY)                  

86.   ML Cerritos TC Member, LLC (DE) - Metropolitan Life Insurance 
     Company owns 60% and 40% by Metropolitan Tower Life Insurance
Company.                                                

87.   MetLife Boro Station Member, LLC (DE)                         

88.   MetLife 8280 Member, LLC (DE)                                 

89.   Southcreek Industrial Holdings, LLC (DE)                      

      90.   MMP Owners, LLC (DE) - 98.82% is owned by MLIC and 1.18% is owned by
Metropolitan Property and Casualty Insurance Company.   

    91.   ML-AI MetLife Member 4, LLC (DE) - 60% owned by MLIC and 40% owned
by Metropolitan Tower Life Insurance Company.           

J.    MetLife Capital Trust IV (DE)                                             

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K.    MetLife Investment Advisors, LLC (DE)                                     

1.   MetLife Alternatives GP, LLC (DE)                              

         a)   MetLife International PE Fund I, LP (Cayman Islands) - 92.593%
               of the Limited Partnership interests of this entity is owned by
               MetLife Insurance K.K., 4.115% is owned by MetLife Mexico S.A.,
                2.716% is owned by MetLife Limited (Hong Kong) and the remaining
              0.576% is owned by Metropolitan Life Insurance Company of Hong
Kong Limited.                                   

         b)   MetLife International PE Fund II, LP (Cayman Islands) - 94.54%
             of the limited partnership interests of MetLife International
           PE Fund II, LP is owned by MetLife Insurance K.K., 2.77% is
             owned by MetLife Limited (Hong Kong), 2.1% by MetLife Mexico,
              S.A. and 0.59% is owned by Metropolitan Life Insurance Company
of Hong Kong Limited.                           

          c)   MetLife International HF Partners, LP (Cayman Islands) - 88.22%
               of the Limited partnership interests of this entity is owned by
              MetLife Insurance K.K. and 9.47% is owned by MetLife Insurance
           Company of Korea Limited, 2.29% is owned by MetLife Limited
          (Hong Kong) and 0.02% is owned by MetLife Alternatives, GP

           d)   MetLife International PE  Fund III, LP (Cayman Islands) - 88.93%
                of the limited partnership interests of MetLife International PE
               Fund III, LP is owned by MetLife Insurance K.K., 7.91% is owned
                by MetLife Insurance Company of Korea Limited, 2.61% is owned by
               MetLife Limited (Hong Kong), and 0.55% is owned by Metropolitan
Life Insurance Company of Hong Kong Limited.    

         e)   MetLife International PE Fund IV, LP (Cayman Islands) - 94.70%
             of the limited partnership interests of MetLife International
           PE Fund IV, LP is owned by MetLife Insurance K.K., 3.79% is
             owned by MetLife Insurance Company of Korea Limited, 1.51% is
owned by Metlife Limited (Hong Kong).           

         f)   MetLife International PE Fund V, LP (Cayman Islands) - 81.699%
               of the Limited partnership interests of this entity is owned by
           MetLife Insurance K.K., 15.033% is owned by MetLife Limited
        (Hong Kong) and the remaining 3.268% is owned by MetLife
Insurance Company of Korea.                     

          g)   MetLife International PE Fund VI, LP (Cayman Islands) - 76.323%
               of the Limited partnership interests of this entity is owned by
               MetLife Insurance K.K., 20.208% is owned by MetLife Limited and
             the remaining 3.469% is owned by MetLife Insurance Company of
Korea.                                          

2.   MetLife Loan Asset Management LLC (DE)                         

3.   MetLife Core Property Fund GP, LLC (DE)                        

           a)   MetLife Core Property Fund, LP (DE) - MetLife Core Property Fund
                GP, LLC is the general partner of MetLife Core Property Fund, LP
               (the "Fund"). A substantial majority of the limited partnership
              interests in the Fund are held by third parties. The following
          affiliates hold limited partnership interests in the Fund:
             Metropolitan Life Insurance Company owns 15.60%, Metropolitan
               Life Insurance Company (on behalf of Separate Account 746) owns
             2.52%, MetLife Insurance Company of Korea Limited owns 2.04%,
            MetLife Insurance K.K. owns 6.94%, Metropolitan Property and
            Casualty Insurance Company owns 1.76% and Metropolitan Tower
Life Insurance Company owns 0.05%.              

i)   MetLife Core Property REIT, LLC (DE)       

                  1)    MetLife Core Property Holdings, LLC (DE) - MetLife
                         Core Property Holdings, LLC also holds, directly or
                           indirectly, the following limited liability companies
                        (indirect ownership indicated in parenthesis): MCP
                          Alley24 East, LLC; MCP Property Management, LLC; MCP
                  One Westside, LLC; MCP 7 Riverway, LLC; MCPF
                          Acquisition, LLC; MCP SoCal Industrial - Springdale,
                           LLC; MCP SoCal Industrial - Concourse, LLC; MCP SoCal
                        Industrial - Kellwood, LLC; MCP SoCal Industrial -
                          Redondo, LLC; MCP SoCal Industrial - Fullerton, LLC;
                           MCP SoCal Industrial - Loker, LLC; MCP Paragon Point,
                         LLC; MCP 4600 South Syracuse, LLC; MCP The Palms at
                    Doral, LLC; MCP Waterford Atrium, LLC; MCP EnV
                        Chicago, LLC; MCP 1900 McKinney, LLC; MCP 550 West
                           Washington, LLC; MCP 3040 Post Oak, LLC; MCP Plaza at
                      Legacy, LLC; MetLife Core Property TRS, LLC; MCP
                         SoCal Industrial - LAX, LLC; MCP SoCal Industrial -
                           Anaheim, LLC; MCP SoCal Industrial - Canyon, LLC; MCP
                        SoCal Industrial - Bernardo, LLC; MCP Ashton South
                     End, LLC; MCP Lodge At Lakecrest, LLC; MCP Main
                       Street Village, LLC; MCP Trimble Campus, LLC; MCP
                     Highland Park Lender, LLC; MCP Buford Logistics
                      Center Bldg B, LLC; MCP 22745 & 22755 Relocation
                        Drive, LLC; MCP 9020 Murphy Road, LLC; MCP Atlanta
                   Gateway, LLC; MCP Northyards Holdco, LLC; MCP
                         Northyards Owner, LLC (100%); MCP Northyards Master
                          Lessee, LLC (100%); MCP VOA Holdings, LLC; MCP VOA I
                         & III, LLC (100%); MCP VOA II, LLC (100%); MCP West
                          Broad Marketplace, LLC; MCP Union Row, LLC; MCP Fife
                         Enterprise Center, LLC; MCP 2 Ames, LLC; MCP 2 Ames
                        Two, LLC (100%); MCP 2 Ames One, LLC (100%); MCP 2
                         Ames Owner, LLC (89%); MCP 350 Rohlwing, LLC; MCP -
                       Wellington, LLC; MCP Onyx, LLC; MCP Valley Forge,
                       LLC; MCP Valley Forge Two, LLC (100%); MCP Valley
                        Forge One, LLC (100%); MCP Valley Forge Owner, LLC
                           (89%); MCP MA Property REIT, LLC; MCPF - Needham, LLC
                     (100%); MCP 60 11th Street Member, LLC; 60 11th
                          Street, LLC (100%); MCP Fife Enterprise Member, LLC;
                 Fife Enterprise Center Venture, LLC (100%);
                        MCP-English Village, LLC; MCP 100 Congress Member,
                        LLC; 100 Congress Venture, LLC (55%); 100 Congress
                         REIT, LLC (55%); 100 Congress Owner, LLC (55%); MCP
                         DMCBP Phase II Member, LLC; DMCBP Phase II Venture,
                         LLC (95%); Des Moines Creek Business Park Phase II,
                        LLC (95%); MCP Magnolia Park Member, LLC; Magnolia
                       Park Greenville Venture, LLC (90%); Magnolia Park
                         Greenville, LLC (90%); MCP Denver Pavilions Member,
                      LLC; Denver Pavilions Venture, LLC (80%); Denver
                        Pavilions OwnerCo, LLC (80%); MCP Buford Logistics
                     Center 2 Member, LLC; Buford Logistics Center 2
                        Venture, LLC (95%); Buford Logistics Center Bldg A
                       Venture, LLC (95%); MCP Seattle Gateway I Member,
                        LLC; Seattle Gateway I Venture, LLC (95%); Seattle
                         Gateway Industrial I, LLC (95%); MCP 249 Industrial
                        Business Park Member, LLC; 249 Industrial Business
                      Park Venture, LLC (95%); 249 Industrial Business
                          Park, LLC (95%); MCP Seattle Gateway II Member, LLC;
                    Seattle Gateway II Venture, LLC (95%); Seattle
                       Gateway Industrial II, LLC (95%); MCP Seventh and
                          Osborn Retail Member, LLC; Seventh and Osborn Retail
                          Venture, LLC (92.5%); Seventh and Osborn Retail, LLC
                     (92.5%); MCP Seventh and Osborn MF Member, LLC;
                      Seventh and Osborn MF Venture, LLC (92.5%); High
                        Street Seventh and Osborn Apartments, LLC (92.5%);
                    MCP Block 23 Member, LLC; Block 23 Residential
                           Investors, LLC (90%); SLR Block 23 Residential Owner,
                        LLC (90%); MCP Burnside Member, LLC; Alta Burnside
                           Venture, LLC (92.5%); Alta Burnside, LLC (92.5%); MCP
                          Mountain Technology Center Member TRS, LLC; Mountain
                    Technology Center Venture, LLC (95%); Mountain
                          Technology Center Venture Sub A, LLC (95%); Mountain
                          Technology Center Venture Sub B, LLC (95%); Mountain
                          Technology Center Venture Sub C, LLC (95%); Mountain
                          Technology Center Venture Sub D, LLC (95%); Mountain
                 Technology Center Venture Sub E, LLC (95%).

              aa)    MCP Property Management, LLC (DE)

            bb)    MCP Core Property TRS, LLC (DE)

4.   MIM Property Management, LLC (DE)                              

a)   MIM Property Management of Georgia 1, LLC (DE)       

5.   MetLife Commercial Mortgage Income Fund GP, LLC (DE)           

     a)   MetLife Commercial Mortgage Income Fund, LP (DE) - MetLife
              Commercial Mortgage Income Fund GP, LLC is the general partner
              of MetLife Commercial Mortgage Income Fund, LP (the "Fund"). A
             majority of the limited partnership interests in the Fund are
            held by third parties. The following affiliates hold limited
              partnership interests in the Fund: Metropolitan Life Insurance
              Company owns 26.6%, MetLife Insurance Company of Korea Limited
       owns 2.1%, MetLife Limited owns 2.7%, Metropolitan Life
     Insurance Company of Hong Kong Limited owns 0.03% and
        Metropolitan Tower Life Insurance Company owns 2.7% (the
remainder is held by third party investors).    

i)   MetLife Commercial Mortgage REIT, LLC (DE) 

               1)   MetLife Commercial Mortgage Originator, LLC (DE)

   aa)    MCMIF Holdco I, LLC (DE)

    bb)    MCMIF Holdco II, LLC (DE)

6.   MLIA SBAF Manager, LLC (DE)                                    

7.   MLIA Manager I, LLC (DE)                                       

8.   MetLife Middle Market Private Debt GP, LLC (DE)                

     a.   MetLife Middle Market Private Debt Fund, LP (DE) - MetLife
            Middle Market Private Debt GP, LLC is the general partner of
             MetLife Middle Market Private Debt Fund, LP (the "Fund"). The
              following affiliates hold limited partnership interests in the
       Fund: MetLife Private Equity Holdings, LLC (31.15%) and
              Metropolitan Life Insurance Company (31.15%). The remainder is
held by third party investors.                  

9.   MetLife Middle Market Private Debt Parallel GP, LLC (DE)       

       a.   MetLife Middle Market Private Debt Parallel Fund, LP (Cayman
              Islands) - MetLife Middle Market Private Debt Parallel GP, LLC
            is the general partner of MetLife Middle Market Private Debt
          Parallel Fund, LP. The following affiliate holds a limited
                partnership interest in the Fund: MetLife Insurance K.K. (100%).

L.    SafeGuard Health Enterprises, Inc. (DE)                                   

1.   MetLife Health Plans, Inc. (DE)                                

2.   SafeGuard Health Plans, Inc. (CA)                              

3.   SafeHealth Life Insurance Company (CA)                         

4.   SafeGuard Health Plans, Inc. (FL)                              

5.   SafeGuard Health Plans, Inc. (TX)                              

M.    Cova Life Management Company (DE)                                         

N.    MetLife Reinsurance Company of Charleston (SC)                            

O.    MetLife Reinsurance Company of Vermont (VT)                               

P.    Delaware American Life Insurance Company (DE)                             

Q.    Federal Flood Certification LLC (TX)                                      

R.    MetLife Global Benefits, Ltd. (Cayman Islands)                            

S.    Inversiones Metlife Holdco Dos Limitada (Chile) - 99.99946% of Inversiones
     MetLife Holdco Dos Limitada is owned by MetLife, Inc., 0.000535% is owned
by MetLife International Holdings, LLC and 0.0000054% is owned by   
Natiloportem Holdings, LLC.                                         

T.    MetLife Consumer Services, Inc. (DE)                                      

U.    MetLife Global, Inc. (DE)                                                 

V.    MetLife Insurance Brokerage, Inc. (NY)                                    

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W.    American Life Insurance Company (ALICO) (DE)                              

1.    MetLife Insurance K.K. (Japan)                                

a)  Communication One Kabushiki Kaisha (Japan)    

2.    MetLife Global Holding Company I GmbH (SWISS I) (Switzerland) 

      a)  MetLife, Life Insurance Company (Egypt) - 84.125% of
                MetLife, Life Insurance Company is owned by MetLife Global
                  Holding Company I GmbH and the remaining interests are owned
by third parties.                         

   b)  MetLife Global Holding Company II GmbH (Swiss II)
(Switzerland)                             

               i)   MetLife Emeklilik ve Hayat A.S. (Turkey) - 99.98% of
                   MetLife Emeklilik ve Hayat A.S. is owned by Metlife
                 Global Holding Company II GmbH (Swiss II) and the
remainder by third parties.     

    ii)  ALICO European Holdings Limited (Ireland)

                1)  Closed Joint-stock Company Master-D (Russia)

                          aa)  Joint-Stock Company MetLife Insurance Company
                               (Russia) - 51% of Joint Stock Company MetLife
                      Insurance Company is owned by Closed
                               Joint-stock Company Master-D and 49% is owned
                            by MetLife Global Holding Company II GmbH.

             iii) MetLife Asia Holding Company Pte. Ltd. (Singapore)

                1) MetLife Innovation Centre Pte. Ltd. (Singapore)

       2) LumenLab Malaysia Sdn. Bhd. (Malaysia)

               iv) MetLife Reinsurance Company of Bermuda Ltd. (Bermuda)

                v)  MetLife Investment Management Limited (United Kingdom)

           vi) MM Global Operations Support Center, S.A. de C.V.
                   (Mexico) - 99.999509% of MM Global Operations Support
                    Center, S.A. de C.V. is held by MetLife Global Holding
                Company II GmbH (Swiss) and 0.00049095% is held by
            MetLife Global Holding Company I GmbH (Swiss).

        1. Fundacion MetLife Mexico, A.C. (Mexico)

           vii) MetLife Colombia Seguros de Vida S.A. (Colombia) -
                   89.999965713458300000% of MetLife Colombia Seguros de
                     Vida S.A. is owned by MetLife Global Holding Company II
                  GmbH , 10.000031593881300000000% is owned by MetLife
                     Global Holding Company I GmbH, 0.000000897553447019009%
                       is owned by International Technical and Advisory Services
                      Limited, 0.000000897553447019009% is owned by Borderland
                 Investments Limited and 0.000000897553447019009% by
Natiloportem Holdings, LLC.       

            viii) PJSC MetLife (Ukraine) - 99.9988% of PJSC MetLife is
                     owned by MetLife Global Holding Company II GmbH, .0006%
                   is owned by ITAS and the remaining .0006% is owned by
Borderland Investments Limited.   

     ix) MetLife Innovation Centre Limited (Ireland)

       x) MetLife EU Holding Company Limited (Ireland)

1)  MetLife Europe d.a.c (Ireland)

                          1. MetLife Pension Trustees Limited (United Kingdom)

2)  Agenvita S.r.l. (Italy)       

          3)  MetLife Europe Insurance d.a.c (Ireland)

           4)  MetLife Europe Services Limited (Ireland)

             5)  MetLife Services, Sociedad Limitada (Spain)

                 6)  MetLife Slovakia S.r.o. (Slovakia) - 99.956% of
                    MetLife Slovakia S.r.o. is owned by MetLife EU
                          Holding Company Limited and 0.044% is owned by ITAS.

   7)  MetLife Solutions S.A.S. (France)

                   8) Metropolitan Life Societate de Administrare a unui
                        Fond de Pensii Administrat Privat S.A. (Romania) -
                99.9836% of Metropolitan Life Societate de
                           Administrare a unui Fond de Pensii Administrat Privat
                         S.A. is owned by MetLife EU Holding Company Limited
                        and 0.0164% is owned by MetLife Services Sp z.o.o.

             9)  MetLife Towarzystwo Ubiezpieczen na Zycie I
Reasekuracji S.A. (Poland)

             aa) MetLife Services Sp z.o.o. (Poland)

                      bb) MetLife Towarzystwo Funduszy Inwestycyjnych,
S.A. (Poland)     

                        cc) MetLife Powszechne Towarzystwo Emerytalne S.A.
(Poland)          

          10) MetLife Services Cyprus Limited (Cyprus)

                     aa) Hellenic Alico Life Insurance Company, Ltd.
                     (Cyprus) - 27.5% of Hellenic Alico Life
                         Insurance Company, Ltd. Is owned by MetLife
                          Services Cyprus Limited and the remaining is
     owned by a third party.

  11) MetLife Services EOOD (Bulgaria)

      12) MetLife Life Insurance S.A. (Greece)

                       aa) MetLife Mutual Fund Company (Greece) - 90% of
                             MetLife Mutual Fund Company is owned by MetLife
                            Life Insurance S.A. (Greece) and the remaining
by a third party. 

                   13) First American-Hungarian Insurance Agency Limited
(Hungary)                 

                   xi) MetLife Investment Management Holdings (Ireland)Limited
(Ireland)                       

               1) MetLife Investments Asia Limited (Hong Kong)

                2) MetLife Syndicated Bank Loan Lux GP, S.a.r.l.
(Luxembourg)              

                           aa) MetLife BL Feeder (Cayman), LP (Cayman Islands) -
                            MetLife BL (Cayman), LP is an investors in the
                         Fund. The following affiliates hold limited
                         partnership interest in the feeder: MetLife
                              Limited (3.14%), MetLife Insurance K.K. (93.72%)
                            and MetLife Insurance Company of Korea Limited
(3.14%).          

                         bb) MetLife BL Feeder, LP (DE) - MetLife BL Feeder,
                          LP is an investor in the Fund. The following
                               affiliate holds a limited partnership interest in
                             the feeder: Metropolitan Life Insurance Company
                             (49.26%). In addition, there is one third party
investor (50.74%).

                 cc) MetLife Syndicated Bank Loan Fund, SCSp
                             (Luxembourg) - MetLife Syndicated Bank Loan Lux
                        GP, Sarl is the general partner of MetLife
                           Syndicated Bank Loan Fund, SCSp (the "Fund").
                           The only investors in the Fund are MetLife BL
                            Feeder (Cayman), LP and MetLife BL Feeder, LP.

                       3) MetLife Investments Limited (United Kingdom) - 99.9%
                    of MetLife Investments Limited (UK) is MetLife
                          Investment Management Holdings (Ireland) Limited and
                     .01% by MetLife Global Holding Company II GmbH.

                4) MetLife Latin America Asesorias e Inversiones
                         Limitada (Chile) - 99.99% of MetLife Latin American
                          Asesorias e Inversiones Limitada is owned by MetLife
                          Investment Management Holdings (Ireland) Limited and
                        .01% is owned by MetLife Global Holding Company II
GmbH (Swiss).             

                 5) MetLife Global Infrastructure LUX GP, S.a.r.l.
(Luxembourg)              

xii) ALICO Operations, LLC (DE)           

                        1) MetLife Asset Management Corp. (Japan) - The official
                    entity name is "MetLife Asset Management Corp.
            (Japan)" and it is domiciled in Japan.

 2) MetLife Seguros S.A. (Uruguay)

  xiii) MetLife International Holdings, LLC (DE)

      1)   Natiloportem Holdings, LLC (DE)

                            aa)  Excelencia Operativa y Tecnologica, S.A. de
                                   C.V. (Mexico) - 99% of Excelencia Operativa y
                          Tecnologica, S.A. de C.V. is held by
                                  Natiloportem Holdings, LLC and 1% by MetLife
                    Mexico Servicios, S.A. de C.V.

                                   i)   MLA Comercial, S.A. de C.V. (Mexico) 99%
                                  is owned by Excelencia Operativa y
                                Tecnologica, S.A. de C.V. and 1%
                                     is owned by MetLife Mexico Servicios,
            S.A. de C.V.

                                   ii)  MLA Servicios, S.A. de C.V. (Mexico) 99%
                                  is owned by Excelencia Operativa y
                                   Tecnologica, S.A. de C.V. and 1% is
                                       owned by MetLife Mexico Servicios, S.A.
       de C.V.

                  2)   PNB MetLife India Insurance Company Limited
                             (India)- 32.05% is owned by MetLife International
                             Holdings, LLC and the remainder is owned by third
parties.            

                       3)   Metropolitan Life Insurance Company of Hong Kong
                              Limited (Hong Kong)- 99.99935% is owned by MetLife
                             International Holdings, LLC and 0.00065% is owned
           by Natiloporterm Holdings, LLC.

                    4)   MetLife Seguros S.A. (Argentina)- 95.5242% is
                         owned by MetLife International Holdings, LLC,
                          2.6753% is owned by Natiloportem Holdings, LLC
and 1.8005% by ITAS.

                      5)   Metropolitan Life Seguros e Previdencia Privada
                     S.A. (Brazil)-66.662% is owned by MetLife
                            International Holdings, LLC, 33.337% is owned by
                         MetLife Worldwide Holdings, LLC and 0.001% is
                owned by Natiloportem Holdings, LLC.

                         6)   MetLife Administradora de Fundos Multipatrocinados
                 Ltda. (Brazil) - 99.99998% of MetLife
                            Administradora de Fundos Multipatrocinados Ltda.
                           is owned by MetLife International Holdings, LLC
                       and 0.00002% by Natiloportem Holdings, LLC.

                   7)   MetLife Seguros de Retiro S.A. (Argentina) -
                      96.8897% is owned by MetLife International
                           Holdings, LLC, 3.1102% is owned by Natiloportem
             Holdings, LLC and 0.0001% by ITAS

                      8)   Best Market S.A. (Argentina) - 5% of the shares
                             are held by Natiloportem Holdings, LLC and 95% is
                         owned by MetLife International Holdings, LLC.

                    9)   Compania Inversora MetLife S.A. (Argentina) -
                              95.46% is owned by MetLife International Holdings,
                            LLC and 4.54% is owned by Natiloportem Holdings,
LLC.                

                             aa)   MetLife Servicios S.A. (Argentina) - 18.87%
                                  of the shares of MetLife Servicios S.A. is
                                held by Compania Inversora MetLife S.A.,
                                79.88% is owned by MetLife Seguros S.A.,
                                   0.99% is held by Natiloportem Holdings, LLC
                               and 0.26% is held by MetLife Seguros de
   Retiro S.A.

         10)    MetLife Worldwide Holdings, LLC (DE)

             aa)   MetLife Limited (Hong Kong)

                                 i)    BIDV MetLife Life Insurance Limited
                                        Liability Company (Vietnam) - 60% of
                                       BIDV MetLife Life Insurance Limited
                                        Liability Company is held by MetLife
                                         Limited (Hong Kong) and the remainder
                    by third parties

            11)    MetLife International Limited, LLC (DE)

                  12)    MetLife Planos Odontologicos Ltda. (Brazil) -
                     99.999% is owned by MetLife International
                             Holdings, LLC and 0.001% is owned by Natiloportem
Holdings, LLC.      

     13)    MetLife Asia Limited (Hong Kong)

                       14)    AmMetLife Insurance Berhad (Malaysia) - 50.000002%
                             of AmMetLife Insurance Berhad is owned by MetLife
                            International Holdings, LLC and the remainder is
   owned by a third party.

                     15)    AmMetLife Takaful Berhad (Malaysia) - 49.999997%
                           of AmMetLife Takaful Berhad is owned by MetLife
                            International Holdings, LLC and the remainder is
   owned by a third party.

                 16)    MAXIS GBN S.A.S. (France) - 50% of MAXIS GBN
                             S.A.S. is held by MetLife International Holdings,
                   LLC and the remainder by third parties.

                      17)    MetLife Mas, S.A. de C.V. (Mexico) - 99.99964399%
                     MetLife Mas, SA de CV is owned by MetLife
                         International Holdings, LLC and .00035601% is
                         owned by International Technical and Advisory
Services Limited.   

 5

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                  18)   MetLife Ireland Holdings One Limited (Ireland)

                           aa)   MetLife Global Holdings Corporation S.A. de
                               C.V. (Mexico/Ireland) - 98.9% is owned by
                                   MetLife Ireland Holdings One Limited and 1.1%
                                is owned by MetLife International Limited,
LLC.      

                          i)    MetLife Ireland Treasury d.a.c
           (Ireland)

                                 1)    MetLife General Insurance
                                 Limited (Australia)

                                 2)    MetLife Insurance Limited
                                        (Australia) - 91.16468% of
                                       MetLife Insurance Limited
                                             (Australia) is owned by MetLife
                                        Ireland Treasury d.a.c and
                                          8.83532% is owned by MetLife
                                           Global Holdings Corp. S.A. de
                  C.V.

                                          aaa)  The Direct Call Centre
                                                 PTY Limited (Australia)

                                           bbb)  MetLife Investments PTY
                                             Limited (Australia)

                                                     i)    MetLife Insurance and
                                                      Investment Trust
                                                   (Australia) -
                                                           MetLife Insurance and
                                                         Investment Trust is
                                                          a trust vehicle, the
                                                         trustee of which is
                                                         MetLife Investments
                                                           PTY Limited ("MIPL").
                                                      MIPL is a wholly
                                                         owned subsidiary of
                                                       MetLife Insurance
                                              Limited.

                               ii)   Metropolitan Global Management, LLC
                                  (DE/Ireland) - 99.7% is owned by
                                     MetLife Global Holdings Corporation
                                   S.A. de C.V. and 0.3% is owned by
                                      MetLife International Holdings, LLC.

                                      1)    MetLife Mexico Holdings, S. de
                                               R.L. de C.V. (Mexico) - 99.99995%
                                             is owned by Metropolitan Global
                                             Management, LLC, and .00005% is
                                             owned by Excelencia Operativa y
                                      Tecnologica,S.A. de C.V.

                                            aaa)  MetLife Pensiones Mexico
                                                    S.A. (Mexico)- 97.5125% is
                                                 owned by MetLife Mexico
                                                 Holdings, S. de R.L. de
                                                   C.V. and 2.4875% is owned
                                                  by MetLife International
                                        Holdings, LLC.

                                             bbb)  MetLife Mexico Servicios,
                                                     S.A. de C.V. (Mexico) - 98%
                                                    is owned by MetLife Mexico
                                                 Holdings, S. de R.L. de
                                                 C.V. and 2% is owned by
                                               MetLife International
                                        Holdings, LLC.

                                       ccc)  MetLife Mexico S.A.
                                                 (Mexico)- 99.050271% is
                                                 owned by MetLife Mexico
                                                 Holdings, S. de R.L. de
                                                     C.V. and 0.949729% is owned
                                                  by MetLife International
                                        Holdings, LLC.

                                               i)    ML Capacitacion
                                                       Comercial S.A. de
                                                           C.V.(Mexico) - 99% is
                                                      owned by MetLife
                                                           Mexico S.A. and 1% is
                                                      owned by MetLife
                                                       Mexico Servicios,
                                                  S.A. de C.V.

                                    2)    MetLife Insurance Company of
                                          Korea Limited (South Korea)-
                                        14.64% is owned by MetLife
                                             Mexico S.A. and 85.36% is owned
                                    by Metropolitan Global
                              Management, LLC.

                                               aaa)  MetLife Financial Services,
                                                 Co., Ltd. (South Korea)

3.    International Investment Holding Company Limited (Russia)     

4.    Borderland Investments Limited (DE)                           

           a)    ALICO Hellas Single Member Limited Liability Company (Greece)

     5.    International Technical and Advisory Services Limited ("ITAS") (DE)

      6.    ALICO Properties, Inc. (DE) - 51% of ALICO Properties, Inc. is owned
        by ALICO and the remaining interests are owned by third parties.

a)    Global Properties, Inc. (DE)                      

7.    MetLife American International Group and Arab National Bank   
     Cooperative Insurance Company (Saudi Arabia) - 30% of MetLife
       American International Group and Arab National Bank Cooperative
         Insurance Company is owned by ALICO and the remaining interest by
      third parties. The Delaware Department of Insurance approved a
    disclaimer of affiliation and therefore, this company is not
considered an affiliate under Delaware Law.             

X.   MetLife European Holdings, LLC (DE)                                        

Y.   MetLife Investment Management Holdings, LLC (DE)                           

1)   Logan Circle Partners GP, LLC (PA)                             

2)   Logan Circle Partners, L.P. (PA)                               

a)   Logan Circle Partners I LLC (PA)                     

b)   Logan Circle Partners Investment Management, LLC (DE)

3)   MetLife Real Estate Lending Manager LLC (DE)                   

4)   MetLife Real Estate Lending LLC (DE)                           

      5)   ML Venture 1 Manager, S. de R.L. de C.V. (Mexico) - 99.9% is owned by
      MetLife Investment Management Holdings, LLC and 0.1% is owned by
MetLife Investment Management Holdings (Ireland) Limited. 

1) The voting securities (excluding directors' qualifying shares, if any) of    
each subsidiary shown on the organizational chart are 100% owned by their       
respective parent corporation, unless otherwise indicated.                      

2) The Metropolitan Money Market Pool and MetLife Intermediate Income Pool are  
pass-through investment pools, of which Metropolitan Life Insurance Company     
and/or its subsidiaries and/or affiliates are general partners.                 

3) The MetLife, Inc. organizational chart does not include real estate joint    
ventures and partnerships of which MetLife, Inc. and/or its subsidiaries is an  
investment partner. In addition, certain inactive subsidiaries have also been   
omitted.                                                                        

4) MetLife Services EEIG is a cost-sharing mechanism used in the EU for EU-     
affiliated members.                                                             

 6

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ITEM 27. NUMBER OF CONTRACT OWNERS                                              

As of January 31, 2019, there were 1,401 owners of qualified contracts and no   
owners of non-qualified contracts.                                              

ITEM 28. INDEMNIFICATION                                                        

As described in their respective governing documents, MetLife, Inc. (the        
ultimate parent of the Depositor and MetLife Investors Distribution Company,    
the Registrant's principal underwriter (the "Underwriter")), which is           
incorporated in the state of Delaware, and the Depositor, which is incorporated 
in the state of New York, shall indemnify any person who is made or is          
threatened to be made a party to any civil or criminal suit, or any             
administrative or investigative proceeding, by reason of the fact that such     
person is or was a director or officer of the respective company, under certain 
circumstances, against liabilities and expenses incurred by such person.        

MetLife, Inc. also has adopted a policy to indemnify employees ("MetLife        
Employees") of MetLife, Inc. or its affiliates ("MetLife"), including any       
MetLife Employees serving as directors or officers of the Depositor or the      
Underwriter. Under the policy, MetLife, Inc. will, under certain circumstances, 
indemnify MetLife Employees for losses and expenses incurred in connection with 
legal actions threatened or brought against them as a result of their service   
to MetLife. The policy excludes MetLife directors and others who are not        
MetLife Employees, whose rights to indemnification, if any, are as described in 
the charter, bylaws or other arrangement of the relevant company.               

MetLife, Inc. also maintains a Directors and Officers Liability and Corporate   
Reimbursement Insurance Policy under which the Depositor and the Underwriter,   
as well as certain other subsidiaries of MetLife, are covered. MetLife, Inc.    
also has secured a Financial Institutions Bond.                                 

Insofar as indemnification for liability arising under the Securities Act of    
1933 may be permitted to directors, officers and controlling persons of the     
Company, pursuant to the foregoing provisions, or otherwise, the Company has    
been advised that in the opinion of the Securities and Exchange Commission such 
indemnification is against public policy as expressed in the Act and is,        
therefore, unenforceable. In the event that a claim for indemnification against 
such liabilities (other than the payment by the Company of expenses incurred or 
paid by a director, officer or controlling person of the Company in the         
successful defense of any action, suit or proceeding) is asserted by such       
director, officer or controlling person in connection with the securities being 
registered, the Company will, unless in the opinion of its counsel the matter   
has been settled by controlling precedent, submit to a court of appropriate     
jurisdiction the question whether such indemnification by it is against public  
policy as expressed in the Act and will be governed by the final adjudicationof 
such issue.                                                                     
ITEM 29. PRINCIPAL UNDERWRITER                                                  

MetLife Investors Distribution Company is the principal underwriter for the     
following investment companies (including the Registrant):                      
General American Separate Account Eleven                                        
General American Separate Account Twenty-Eight                                  
General American Separate Account Twenty-Nine                                   
General American Separate Account Two                                           
Metropolitan Life Separate Account E                                            
Metropolitan Life Separate Account UL                                           
Metropolitan Life Variable Annuity Separate Account II                          
Metropolitan Tower Life Separate Account One                                    
Metropolitan Tower Life Separate Account Two                                    
New England Life Retirement Investment Account                                  
New England Variable Annuity Fund I                                             
Paragon Separate Account A                                                      
Paragon Separate Account B                                                      
Paragon Separate Account C                                                      
Paragon Separate Account D                                                      
Security Equity Separate Account Twenty-Six                                     
Security Equity Separate Account Twenty-Seven                                   
Separate Account No. 13S                                                        

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(b)        MetLife Investors Distribution Company is the principal underwriter  
         for the Contracts. The following persons are officers and directors
       of MetLife Investors Distribution Company. The principal business
    address for MetLife Investors Distribution Company is 200 Park
Avenue, New York, NY 10166.                               

                                                                [Download Table]

NAME AND PRINCIPAL    POSITIONS AND OFFICES                                     
BUSINESS ADDRESS      WITH UNDERWRITER                                          
--------------------  ----------------------------------------------------------
                                                                                
Derrick Kelson        Chairman, President, Chief Executive Officer and Director 
200 Park Avenue                                                                 
New York, NY 10166                                                              

                                                                [Download Table]
                                                        
Todd Nevenhoven              Director and Vice President
4700 Westown Pkwy                                       
Suite 200                                               
West Des Moine, IA 50266                                

                                                                [Download Table]
                                                            
Bradd Chignoli            Director and Senior Vice President
501 Route 22                                                
Bridgewater, NJ 08807                                       

                                                                [Download Table]
                                                     
Dina Lumerman             Director and Vice President
501 Route 22                                         
Bridgewater, NJ 08807                                

                                                                [Download Table]
                               
Thomas Schuster        Director
200 Park Avenue                
New York, NY 10166             

                                                                [Download Table]
                                               
Frank Cassandra           Senior Vice President
501 Route 22                                   
Bridgewater, NJ 08807                          

                                                                [Download Table]
                                                                  
Elisabeth Bedore       Vice President and Chief Compliance Officer
One MetLife Way                                                   
Whippany, NJ 07981                                                

                                                                [Download Table]
                                                   
Kelli Buford           Vice President and Secretary
200 Park Avenue                                    
New York, NY 10166                                 

                                                                [Download Table]
                                                   
Charles Connery        Vice President and Treasurer
One MetLife Way                                    
Whippany, NJ 08807                                 

                                                                [Download Table]
                                          
Heather Harker         Chief Legal Officer
200 Park Avenue                           
New York, NY 10166                        

Compensation from the Registrant. The following commissions and other           
 compensation were received by the Distributor, directly or indirectly, from
the Registrant during the Registrant's last fiscal year:                  

                                                        [Enlarge/Download Table]

                                                      (2)                                                           
                     (1)                       NET UNDERWRITING         (3)             (4)                         
              NAME OF PRINCIPAL                  DISCOUNTS AND    COMPENSATION ON    BROKERAGE           (5)        
                 UNDERWRITER                      COMMISSIONS        REDEMPTION     COMMISSIONS   OTHER COMPENSATION
--------------------------------------------- ------------------ ----------------- ------------- -------------------
                                                                                                                    
MetLife Investors Distribution Company....... $55,872,532        $0                $0            $0                 

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ITEM 30. LOCATION OF ACCOUNTS AND RECORDS                                       

The following companies will maintain possession of the documents required by   
Section 31(a) of the Investment Company Act of 1940 and the Rules thereunder:   

Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166        

MetLife, 101 Arch Street, 8th Floor, Boston, MA 02110                           

MetLife Investors Distribution Company, 200 Park Avenue, New York, NY 10166     

ITEM 31. MANAGEMENT SERVICES                                                    

Not Applicable.                                                                 
ITEM 32. UNDERTAKINGS                                                           

The undersigned Registrant hereby undertakes:                                   

(a)        To file a post-effective amendment to this registration statement as 
     frequently as is necessary to ensure that the audited financial
          statements in the registration statement are never more than sixteen
   months old for so long as payments under the variable annuity
contracts may be accepted;                                

(b)        To include either (1) as part of any application to purchase a       
       contract offered by the prospectus, a space that an applicant can
      check to request a Statement of Additional Information, or (2) a
          post card or similar written communication affixed to or included in
          the prospectus that the applicant can remove to send for a Statement
of Additional Information; and                            

(c)        To deliver with any Statement of Additional Information and any      
        financial statements required to be made available under this Form
N-4 promptly upon written or oral request.                

(d)        The undersigned registrant represents that for its TSA variable      
annuities it is relying on the "no-action" position of the
         Commission staff as contained in its November 7, 1988 letter to the
  American Council of Life Insurance and has complied with the
 provisions of numbered paragraphs (1) - (4) of such letter.

(e)        The undersigned registrant represents that with respect to its TSA   
         ERISA variable annuities, it is relying on the "no-action" position
        of the Commission staff as contained in its August 20, 2012 letter
         to the ING Life Insurance and Annuity Company and has complied with
the provisions of such letter.                            

Metropolitan Life Insurance Company hereby represents that the aggregate fees   
and charges under the Contracts of the Registrant described herein are    
reasonable in relation to the services rendered, the expenses expected to 
be incurred, and the risks assumed by the Metropolitan Life Insurance     
Company under the Contracts.                                              

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SIGNATURES
As required by the Securities Act of 1933 and the Investment Company Act of     
1940, the Registrant certifies that it meets the requirements of Securities Act 
Rule 485(b) for effectiveness of this Registration Statement and has caused this
Registration Statement to be signed on its behalf, in the city of Washington,   
District of Columbia on April 23, 2019.                                         

                            Metropolitan Life Separate Account E
    (Registrant)
                               By: Metropolitan Life Insurance Company
   (Depositor)

              By: /s/ Heather Harker
                             -------------------------------------
      Heather Harker
      Vice President
                           Metropolitan Life Insurance Company

                           Metropolitan Life Insurance Company
   (Depositor)

              By: /s/ Heather Harker
                             -------------------------------------
      Heather Harker
      Vice President
                           Metropolitan Life Insurance Company

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SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, this Registration   
Statement has been signed below by the following persons, in the capacities     
indicated, on April 23, 2019.                                                   

*                                   Chairman, President, Chief Executive Officer
--------------------------------    and Director                                
Steven A. Kandarian                                                             

*                                   Executive Vice President and Chief Financial
--------------------------------    Officer                                     
John McCallion                                                                  

*                                   Vice President and Chief Accounting Officer 
--------------------------------                                                
Tamara Schock                                                                   

*                                   Director                                    
--------------------------------                                                
Cheryl W. Grise                                                                 

*                                   Director                                    
--------------------------------                                                
Carlos M. Gutierrez                                                             

*                                   Director                                    
--------------------------------                                                
Gerald L. Hassell                                                               

*                                   Director                                    
--------------------------------                                                
R. Glenn Hubbard                                                                

*                                   Director                                    
--------------------------------                                                
Edward J. Kelly, III                                                            

*                                   Director                                    
--------------------------------                                                
William E. Kennard                                                              

*                                   Director                                    
--------------------------------                                                
James J. Kilts                                                                  

*                                   Director                                    
--------------------------------                                                
Catherine R. Kinney                                                             

*                                   Director                                    
--------------------------------                                                
Diana McKenzie                                                                  

*                                   Director                                    
--------------------------------                                                
Denise M. Morrison                                                              

*                                   Executive Vice President and Treasurer      
--------------------------------                                                
Edward Spehar, Jr.                                                              

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By:  /s/ Heather Harker                                                         
-------------------------------------                                 
Heather Harker                                                        
Vice President and Attorney-In-Fact                                   
April 23, 2019                                                        

*Metropolitan Life Insurance Company. Executed by Heather Harker, on behalf of  
those indicated pursuant to powers of attorney filed herewith.                  

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EXHIBIT INDEX 
------------- 

3(a).   Amended and Restated Distribution and Principal Underwriting Agreement  

10.     Consent of Independent Registered Public Accounting Firm                

13.     Powers of Attorney