Metlife Investors USA Separate Account A, et al. – ‘485BPOS’ on 4/17/15

On:  Friday, 4/17/15, at 4:08pm ET   ·   Effective:  5/1/15   ·   Accession #:  1193125-15-135754   ·   File #s:  811-03365, 333-200240

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Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Mli Usa Flexible Bonus Post-Effective Amendment      388   2.08M 
                          No. 1                                                  
 2: EX-99.10    Consent of Independent Registered Public               1      5K 
                          Accounting Firm (Deloitte & Touche LLP)                
 3: EX-99.13    Powers of Attorney                                    15     57K 

485BPOS   —   Mli Usa Flexible Bonus Post-Effective Amendment No. 1
Document Table of Contents

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As filed with the Securities and Exchange Commission on April 17, 2015  

                                                  REGISTRATION NOS. 333-200240

                                                                     811-03365
================================================================================

UNITED STATES 
SECURITIES AND EXCHANGE COMMISSION  
WASHINGTON, D.C. 20549  

FORM N-4  

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933   
                       PRE-EFFECTIVE AMENDMENT NO.                       [ ]
                     POST-EFFECTIVE AMENDMENT NO. 1                      [X]
AND   
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940   
                            AMENDMENT NO. 591                            [X]

METLIFE INVESTORS USA SEPARATE ACCOUNT A  
(EXACT NAME OF REGISTRANT)  

METLIFE INSURANCE COMPANY USA 
(NAME OF DEPOSITOR) 

11225 NORTH COMMUNITY HOUSE ROAD  
CHARLOTTE, NC 28277 

(212) 578-9500  

(ADDRESS OF DEPOSITOR'S PRINCIPAL EXECUTIVE OFFICES)  
(DEPOSITOR'S TELEPHONE NUMBER, INCLUDING AREA CODE) 

ERIC T. STEIGERWALT 
PRESIDENT 
11225 NORTH COMMUNITY HOUSE ROAD  
CHARLOTTE, NC 28277 
(NAME AND ADDRESS OF AGENT FOR SERVICE) 

COPIES TO:  

W. THOMAS CONNER  
REED SMITH LLP  
1301 K STREET, N.W. 
WASHINGTON, D.C. 20005-3373 

APPROXIMATE DATE OF PROPOSED PUBLIC OFFERING: 

on  May 1, 2015 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 May 1, 2015 pursuant to paragraph (b) of Rule 485.             

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

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

If appropriate, check the following box:                                        

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

Title of Securities Registered: Group Flexible Payment Variable Annuity         
Contracts                                                                       

This registration statement relates to Registration Statement No. 033-37128     

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

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                             GROUP FLEXIBLE PAYMENT VARIABLE ANNUITY CONTRACTS
              (FLEXIBLE BONUS (228), RETIREMENT COMPANION (328), SMART CHOICE)

                                                                     ISSUED BY

                                      METLIFE INVESTORS USA SEPARATE ACCOUNT A

                                                                           AND

                                                 METLIFE INSURANCE COMPANY USA

This Prospectus gives you important information about the group flexible        
payment fixed and variable annuity contracts (the "Contracts") issued by        
MetLife Investors USA Separate Account A (the "Separate Account") by MetLife    
Insurance Company USA ("MetLife USA" or "we" or "us" or "our"). Please read it  
carefully before you invest and keep it for future reference. The Contracts are 
designed to provide annuity benefits through distributions made from certain    
retirement plans that qualify for special Federal income tax treatment          
("Qualified Plans").                                                            

The Contracts are issued to an employer or organization, which is the owner     
("Owner") of the Contract. After completing an enrollment form and arranging    
for your Purchase Payments to begin, you are a participant ("Participant") and, 
except as provided below, a certificate ("Certificate") will be provided to you 
that gives you a summary of the Contract provisions. The Certificate also       
serves as evidence of your participation in the plan (Plan). Certificates are   
not provided to Participants under deferred compensation or qualified corporate 
retirement plans.                                                               

THE CONTRACTS ARE NOT CURRENTLY OFFERED FOR SALE; HOWEVER, CERTIFICATES MAY BE  
ISSUED TO NEW PARTICIPANTS UNDER EXISTING CONTRACTS.                            

You decide how to allocate your Purchase Payments among the funds offered as    
investment options under the Contracts (the "Funds"). You may allocate your     
Purchase Payments to the General Account, which is a fixed account (not         
described in this Prospectus) that offers an interest rate guaranteed by us, or 
to the Separate Account. The Separate Account, in turn, invests in the          
following underlying Funds:                                                     

AMERICAN FUNDS INSURANCE SERIES(R) -- CLASS 2                                   
American Funds Global Small Capitalization Fund                           
American Funds Growth Fund                                                
American Funds Growth-Income Fund                                         

DEUTSCHE VARIABLE SERIES I -- CLASS A                                           
Deutsche CROCI(R) International VIP                                       

FIDELITY(R) VARIABLE INSURANCE PRODUCTS -- INITIAL CLASS                        
Asset Manager Portfolio                                                   
Contrafund(R) Portfolio                                                   
Growth Portfolio                                                          
Money Market Portfolio                                                    
Overseas Portfolio                                                        

MET INVESTORS SERIES TRUST -- CLASS A                                           
Invesco Small Cap Growth Portfolio                                        
Lord Abbett Bond Debenture Portfolio                                      
MetLife Small Cap Value Portfolio                                         
MFS(R) Research International Portfolio                                   
Morgan Stanley Mid Cap Growth Portfolio                                   
PIMCO Total Return Portfolio                                              
T. Rowe Price Large Cap Value Portfolio                                   

METROPOLITAN SERIES FUND -- CLASS A                                             
Barclays Aggregate Bond Index Portfolio                                   
BlackRock Bond Income Portfolio                                           
BlackRock Capital Appreciation Portfolio                                  
BlackRock Large Cap Value Portfolio                                       
Met/Artisan Mid Cap Value Portfolio                                       
MetLife Mid Cap Stock Index Portfolio                                     
MetLife Stock Index Portfolio                                             
MFS(R) Total Return Portfolio                                             
MFS(R) Value Portfolio                                                    
MSCI EAFE(R) Index Portfolio                                              
Neuberger Berman Genesis Portfolio                                        
Russell 2000(R) Index Portfolio                                           
T. Rowe Price Large Cap Growth Portfolio                                  
T. Rowe Price Small Cap Growth Portfolio                                  
WMC Core Equity Opportunities Portfolio                                   

T. ROWE PRICE GROWTH STOCK FUND, INC.                                           
T. Rowe Price Growth Stock Fund, Inc.                                     

THE ALGER PORTFOLIOS -- CLASS I-2                                               
Alger Small Cap Growth Portfolio                                          

You can choose any combination of the Funds. Your Participant's Account will    
vary daily to reflect the investment experience of the Funds selected. These    
Funds are described in detail in the Fund prospectuses. Please read these       
prospectuses carefully before you invest.                                       

The Contracts:                                                                  

..  are not bank deposits                                                       
..  are not FDIC insured                                                        
..  are not insured by any federal government agency                            
..  are not guaranteed by any bank or credit union                              
..  may be subject to loss of principal                                         

If you would like more information about the Contracts, you can obtain a copy   
of the Statement of Additional Information ("SAI") dated May 1, 2015. The SAI   
is legally considered a part of this Prospectus as though it were included in   
the Prospectus. The Table of Contents of the SAI appears on page 53 of the      
Prospectus.                                                                     

The Securities and Exchange Commission ("SEC") has a website                    
(http://www.sec.gov) which you may visit to view this Prospectus, the SAI, or   
additional material that also is legally considered a part of this Prospectus,  
as well as other information.                                                   

THE SEC HAS NOT APPROVED OR DISAPPROVED THESE SECURITIES NOR DETERMINED IF THIS 
PROSPECTUS IS TRUTHFUL OR COMPLETE. ANY REPRESENTATION TO THE CONTRARY IS A     
CRIMINAL OFFENSE.                                                               

May 1, 2015                                                                     

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                                                                [Download Table]
                       
TABLE OF CONTENTS  PAGE
                                                                [Download Table]
                                                                               

GLOSSARY................................................................... 3  

SUMMARY OF THE CONTRACTS................................................... 5  

FEE TABLES AND EXAMPLES.................................................... 9  

                                                                [Download Table]
                                                                               

FINANCIAL AND PERFORMANCE INFORMATION...................................... 13 

DESCRIPTION OF METLIFE INSURANCE COMPANY USA, THE GENERAL ACCOUNT, THE         
SEPARATE ACCOUNT, THE FUNDS AND SERVICE PROVIDERS.......................... 14 
   The Insurance Company................................................... 14 
   The General Account..................................................... 14 
   The Separate Account.................................................... 15 
   The Funds............................................................... 16 
   Principal Underwriter................................................... 19 
   Servicing Agent......................................................... 20 

CONTRACT CHARGES........................................................... 21 
   Premium and Other Taxes................................................. 21 
   Surrender Charge........................................................ 21 
   Administrative Fees..................................................... 23 
   Transaction Fees........................................................ 23 
   Mortality and Expense Risk Charge....................................... 24 
   Distribution Expense Charge............................................. 24 
   Income Taxes............................................................ 25 
   Fund Expenses........................................................... 25 
   Free Look Period........................................................ 25 
   Deferred Compensation Plans............................................. 25 

DESCRIPTION OF THE CONTRACTS............................................... 26 
   General................................................................. 26 
   Assignment.............................................................. 26 
   Purchase Payments....................................................... 26 
   Transfers............................................................... 27 
   Restrictions on Transfers............................................... 29 
   Loans (403(b) Plans only)............................................... 32 
   Cybersecurity........................................................... 32 
   Modification of the Contracts........................................... 33 

ACCUMULATION PERIOD........................................................ 34 
   Crediting Accumulation Units in the Separate Account.................... 34 

                                                                [Download Table]
                                                                              
   Separate Account Accumulation Unit Current Values...................... 34 
   Surrender from the Separate Account.................................... 34 
   Payment of Surrender Amount............................................ 35 
   Account Statements..................................................... 35 

ANNUITY BENEFITS.......................................................... 36 
   Variable Annuity Payments.............................................. 36 
   Assumed Investment Return.............................................. 36 
   Election of Annuity Date and Form of Annuity........................... 36 
   Election of Annuity Date............................................... 37 
   Form of Annuity........................................................ 37 
   Frequency of Payment................................................... 39 
   Level Payments Varying Annually........................................ 39 
   Annuity Unit Values.................................................... 40 

DEATH BENEFITS............................................................ 40 
   Death Before the Annuity Date.......................................... 40 
   Death After the Annuity Date........................................... 41 
   Abandoned Property Requirements........................................ 42 

FEDERAL TAX CONSIDERATIONS................................................ 43 

VOTING RIGHTS............................................................. 52 

LEGAL PROCEEDINGS......................................................... 53 

ADDITIONAL INFORMATION.................................................... 53 

TABLE OF CONTENTS OF STATEMENT OF ADDITIONAL INFORMATION.................. 54 

                                                                [Download Table]
                                                                               
APPENDIX A -- CONDENSED FINANCIAL INFORMATION -- PART 1...................  A-1
APPENDIX A -- CONDENSED FINANCIAL INFORMATION -- PART 2................... A-12
APPENDIX B -- PARTICIPATING INVESTMENT PORTFOLIOS.........................  B-1
APPENDIX C -- ADDITIONAL INFORMATION REGARDING THE PORTFOLIOS.............  C-1
APPENDIX D -- PREMIUM TAX TABLE...........................................  D-1

MetLife USA does not intend to offer the Contracts anywhere or to anyone to     
whom they may not lawfully be offered or sold. MetLife USA has not authorized   
any information or representations about the Contracts other than the           
information in this Prospectus, the Fund prospectuses, or supplements to the    
prospectuses or any supplemental sales material MetLife USA authorizes.         

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GLOSSARY                                                                        

These terms have the following meanings when used in this Prospectus:           

ACCUMULATION UNIT - A measuring unit used to determine the value of your        
interest in a Series of the Separate Account under a Contract at any time       
before Annuity payments commence.                                               

ANNUITANT - The person on whose life Annuity payments under a Contract are      
based.                                                                          

ANNUITY - A stream of income payments made to an Annuitant for a defined period 
of time.                                                                        

ANNUITIZATION OR ANNUITY DATE - The date on which Annuity payments begin.       

ANNUITY UNIT - A measuring unit used to determine the amount of Variable        
Annuity payments based on a Series of the Separate Account under a Contract     
after such payments have commenced.                                             

ASSUMED INVESTMENT RETURN - The investment rate selected by the Annuitant for   
use in determining the Variable Annuity payments.                               

BENEFICIARY - The person who has the right to a Death Benefit upon your death.  

BUSINESS DAY - Each Monday through Friday except for days the New York Stock    
Exchange is not open for trading.                                               

CERTIFICATE - The form you are given which describes your rights under the      
Contract. No Certificates are issued for certain deferred compensation or       
qualified corporate retirement plans.                                           

CERTIFICATE DATE - The date you are issued a Certificate. If you are not issued 
a Certificate, this is the date when your Account is established.               

CERTIFICATE YEAR - The 12 month period that begins on your Certificate Date and 
on each anniversary of this date.                                               

CONTRACT - The agreement between the Owner and MetLife USA covering your rights.

FIXED ANNUITY - An Annuity providing guaranteed level payments. These payments  
are not based upon the investment experience of the Separate Account.           

FREE LOOK PERIOD - The 20-day period when you first receive your Certificate.   
During this time period, you may cancel your interest in the Contract for a     
full refund of all Purchase Payments (or the greater of Purchase Payments or    
your Participant's Account in some states).                                     

FUND - A diversified, open-end management investment company, or series         
thereof, registered under the Investment Company Act of 1940 ("1940 Act") which 
serves as the underlying investment medium for a Series in the Separate Account.

GENERAL ACCOUNT - All assets of MetLife USA other than those in the Separate    
Account or any of its other segregated asset accounts.                          

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 Investment Portfolios 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 registered representative before submitting the form or request.           

NORMAL ANNUITY DATE - The date on which Annuity payments begin if you do not    
select another date.                                                            

OWNER - The person who has title to the Contract.                               

PARTICIPANT - You, the person who makes Purchase Payments, or the person for    
whom Purchase Payments are made.                                                

PARTICIPANT'S ACCOUNT - The sum of your interest in each Series of the Separate 
Account and your interest in the General Account. Your interest in the Series   
of the Separate Account is the sum of the values of the Accumulation Units.     
Your interest in the General Account is the                                     

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accumulated value of the amounts allocated to the General Account plus credited 
interest as guaranteed in the Contract, less any prior withdrawals and/or       
amounts applied to Annuity options.                                             

PLAN - The 403(b) plan, deferred compensation plan, qualified retirement plan,  
or individual retirement annuity to which the Contract is issued.               

PURCHASE PAYMENT - The amounts paid by or for you to MetLife USA in order to    
provide benefits under the Contract.                                            

SEPARATE ACCOUNT - The segregated asset account entitled "MetLife Investors USA 
Separate Account A" which has been established by us under Delaware law to      
receive and invest amounts allocated by you and other Participants under the    
Contracts and to provide Variable Annuity benefits under the Contracts. The     
Separate Account is registered as a unit investment trust under the 1940 Act.   

SERIES - Series are subdivisions of the Separate Account. Accumulation Unit     
values and Annuity Unit values are maintained separately for each Series        
corresponding to a designated Fund.                                             

SURRENDER CHARGE - A percentage charge which is deducted when you fully or      
partially surrender. The amount varies depending on how long Purchase Payments  
have been with MetLife USA.                                                     

VALUATION DATE - Any Business Day used by the Separate Account to determine the 
value of part or all of its assets for purposes of determining Accumulation and 
Annuity Unit values for the Contract. Accumulation Unit values will be          
determined each Business Day as of the close of trading on the New York Stock   
Exchange (currently 4 p.m. Eastern time.) There will be one Valuation Date in   
each calendar week for Annuity Unit values. MetLife USA will establish the      
Valuation Date at its discretion, but until notice to the contrary is given,    
that date will be the last Business Day in a week.                              

VALUATION PERIOD - The period of time from one Valuation Date through the next  
Valuation Date.                                                                 

VARIABLE ANNUITY - An Annuity providing payments that will vary annually in     
accordance with the net investment experience of the applicable Series of the   
Separate Account.                                                               

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SUMMARY OF THE CONTRACTS                                                        

THE CONTRACTS                                                                   

The Contracts may be offered to:                                                

..   Qualified Plans such as:                                                   

*  Section 403(b) tax-sheltered annuities;                                

*  Section 457 deferred compensation plans;                               

*  Section 401 pension and profit sharing plans; and                      

  *  individual retirement annuities under Section 408 of the Internal Revenue
Code.                                                               
[SIDE BAR: Please see the section "Federal Tax Considerations" for more         
information.]                                                                   

Note: The dollars in a Qualified Plan are tax deferred. Contracts purchased for 
use with a Qualified Plan provide no additional tax deferral, and there should  
be reasons other than tax deferral for purchasing the Contract.                 

This Prospectus describes all the material features of the Contracts.           

THIS PROSPECTUS APPLIES ONLY TO THE VARIABLE PORTION OF THE CONTRACT            

PURCHASE PAYMENTS                                                               

Purchase Payments under the Contracts are made to the General Account, the      
Separate Account, or allocated between them. The minimum Purchase Payment is as 
little as $20, but there is an annual minimum of $240 (for IRAs, the minimum is 
$2,000 for an initial Purchase Payment and $50 for each additional payment).    

There is no initial sales charge; however, the charges and deductions described 
under "Contract Charges" will be deducted from the Participant's Account.       

[SIDE BAR: Please see "Transfers" for more information.]                        

Amounts allocated to the General Account may be transferred to the Separate     
Account subject to certain limitations as to time and amount. Unless you have   
exercised a special option, the minimum transfer is the lesser of $500 or the   
balance of your Participant's Account allocated to the General Account or to    
the Separate Account.                                                           

You can transfer amounts allocated to the Separate Account:                     

..   between any of the Series, at any time and as many times as you choose     

..   to the General Account at any time before the amount has been applied to a 
Variable Annuity option                                                 

See, however, restrictions on transfers in "Description of the Contracts -      
Restrictions on Transfers."                                                     

[SIDE BAR: Please see "The Separate Account" and "The Funds"  for more          
information.]                                                                   

SEPARATE ACCOUNT                                                                

Purchase Payments allocated to the Separate Account are invested at net asset   
value in Accumulation Units in one or more Series of the Separate Account, each 
of which invests in one of the underlying Funds.                                

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[SIDE BAR: Please see "Contract Charges" for more information.]                 

CHARGES AND DEDUCTIONS                                                          

The following fees and expenses apply under the Contracts:                      

DISTRIBUTION EXPENSE CHARGE                                                     

MetLife USA assumes the risk that surrender charges will be insufficient to     
cover the actual costs of distribution. As compensation for assuming this risk, 
MetLife USA will make a deduction of .000274% on a daily basis (0.10% per year) 
from the value of the Separate Account assets funding the Contract. The         
distribution expense charge (sales load), together with any contingent deferred 
sales charge will never exceed 9% of Purchase Payments.                         

MORTALITY AND EXPENSE RISK CHARGE                                               

MetLife USA charges a fee for bearing certain mortality and expense risks under 
the Contract. You pay the mortality and expense risk charge during the          
accumulation phase and the income phase. As compensation for assuming these     
risks, MetLife USA will make a daily deduction from the value of the Separate   
Account's assets equal to 1.25% per year.                                       

ADMINISTRATIVE FEE                                                              

There is an administrative Fee of $21.50 plus $2.50 for each Series in which    
you invest. MetLife USA currently waives these administrative fees for any      
Certificate Year during which you contribute $2,000 or more to your             
Participant's Account or your Participant's Account has a value at the end of   
the Certificate Year of $10,000 or more. This reduction is permanent for        
Certificates issued before the termination or reduction of the waiver. (No such 
termination or reduction of the waiver is contemplated at this time).           

TRANSACTION FEES                                                                

A charge of $10 may be deducted for:                                            

..   A transfer from any Series;                                                

..   A full or partial surrender (the charge is the lesser of $10 or 2% of the  
amount of the surrender); or                                            

..   Annuitization of all or a part of your Participant's Account.              

We currently waive the transaction charge for transfers from any Series, but    
reserve the right to impose the charge in the future. See, however,             
restrictions on transfers in "Description of the Contracts - Restrictions on    
Transfers."                                                                     

SURRENDER CHARGE (CONTINGENT DEFERRED SALES CHARGE)                             

A surrender charge is deducted if you request a full or partial surrender of    
Purchase Payments from the Separate Account within 60 months after the Purchase 
Payment is made. The charge is 7% of the Purchase Payment and amounts credited  
to it.                                                                          

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However, for 403(b) plans, we will not deduct any surrender charge once nine    
(9) full years have elapsed since your Certificate Date; and for the first      
surrender in each year, you may surrender up to 10% of the value of your        
interest in the Separate Account without a surrender charge. WITHDRAWALS FROM   
403(b) PLANS MAY BE RESTRICTED BY THE INTERNAL REVENUE CODE.                    

The following expenses may be waived for certain deferred compensation plans:   

..   administrative fees                                                        

..   transaction charges                                                        

..   distribution fees                                                          

..   surrender charges on certain surrenders                                    

PREMIUM TAXES                                                                   

State premium taxes (ranging from 0% to 3.5%, which are applicable only in      
certain jurisdictions), are payable to a state or government agency with        
respect to the Contract. They may be deducted on or after the date the tax is   
incurred. Currently, MetLife USA deducts these taxes upon annuitization.        

[SIDE BAR: Please see "Free Look Period" for more information.]                 

FREE LOOK PERIOD                                                                

You may cancel your interest in the Contract within 20 days after you receive   
your Certificate (or longer depending on state law) for a full refund of all    
Purchase Payments (or the greater of Purchase Payments or the Participant's     
Account in some states). Purchase Payments allocated to the Separate Account    
will be initially allocated to the Money Market Series during the Free Look     
Period.                                                                         

VARIABLE ANNUITY PAYMENTS                                                       

You select the Annuity Date, an Annuity payment option and an assumed           
investment return. You may change any of your selections before your Annuity    
Date. Your monthly Annuity payments will start on the Annuity Date and will     
vary from year to year based on a comparison of the assumed investment returns  
you selected with the actual investment experience of the Series in which the   
Participant's Account is invested.                                              

If your monthly payments from a particular Series are less than $50, MetLife    
USA may change the frequency of your payments so that each payment will be at   
least $50 from that Series.                                                     

[SIDE BAR: Please see "Surrender Charge" and "Federal Tax Considerations"  for  
more information.]                                                              

SURRENDER                                                                       

You may surrender all or part of your Participant's Account before the Annuity  
Date. You may not make a partial surrender if:                                  

..   it would cause your interest in any Series or the General Account to fall  
 below $200 (unless you are surrendering your entire interest in a Series)

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However, if you are surrendering the entire amount allocated to a Series; these 
restrictions do not apply.                                                      

You may be assessed a surrender charge. In addition, any amounts surrendered    
will be taxed as ordinary income and may be subject to a penalty tax under the  
Internal Revenue Code. Certain restrictions apply for qualified contracts.      

LOANS - 403(B) PLANS ONLY                                                       

You may be able to obtain a loan from the portion of your Participant's Account 
allocated to the General Account. Fees may be charged for loan set-up and       
administration. Currently, the loan set-up fee is $50. This amount is deducted  
from the loan proceeds. At this time, there is no fee for administration. Loan  
proceeds may be considered taxable distributions under the Internal Revenue     
Code in the event of a default in repayments.                                   

MetLife USA:                                                                    

..   may terminate loans                                                        

..   change the terms under which loans are made                                

Any action taken by MetLife USA would not affect outstanding loans.             

[SIDE BAR: Please see "Death Benefits" for more information.]                   

DEATH BENEFIT                                                                   

You name your Beneficiary(ies). If you die before attaining age 65 and prior to 
the Annuity Date, the amount of any lump sum settlement will be the greater of: 

..   the total of all Purchase Payments less any partial surrenders; or         

..   the value of the Participant's Account at settlement.                      

If the death occurs on or after age 65, the death benefit will be equal to the  
Participant's Account.                                                          

STATE VARIATIONS                                                                

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

RESTRICTIONS ON TRANSFERS                                                       

MetLife USA has adopted policies and procedures that attempt to detect transfer 
activity that may adversely affect Participants or the Funds. Upon detection of 
this activity, restrictions may be imposed on transfers.                        

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FEE TABLES AND EXAMPLES                                                         

THE FOLLOWING TABLES DESCRIBE THE FEES AND EXPENSES THAT YOU WILL PAY WHEN      
BUYING, OWNING, AND SURRENDERING THE CERTIFICATE. THE FIRST TABLE DESCRIBES THE 
FEES AND EXPENSES THAT YOU WILL PAY AT THE TIME THAT YOU BUY THE CERTIFICATE,   
SURRENDER THE CERTIFICATE, OR TRANSFER CASH VALUE BETWEEN INVESTMENT OPTIONS.   
STATE PREMIUM TAXES (RANGING FROM 0% TO 3.5%, WHICH ARE APPLICABLE ONLY IN      
CERTAIN JURISDICTIONS -- SEE APPENDIX D) MAY ALSO BE DEDUCTED.                  

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                                                        [Enlarge/Download Table]
                                                                                     
PARTICIPANT TRANSACTION EXPENSES TABLE                                               
SURRENDER CHARGE/1/                                                              7%  
  (as a percentage of amounts accumulated with respect to a Purchase Payment)        
TRANSACTION FEE/2,3/                                                                 
  (each surrender, annuitization and transfer)                                 $10.00
LOAN SET-UP FEE/4/                                                             $50.00

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

THE NEXT TABLES DESCRIBE THE FEES AND EXPENSES THAT YOU WILL PAY PERIODICALLY   
DURING THE TIME THAT YOU OWN THE CERTIFICATE, NOT INCLUDING FUND FEES AND       
EXPENSES.                                                                       

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

                                                        [Enlarge/Download Table]
                                                                                                                           
PERIODIC FEES AND EXPENSES TABLE                                                                                           
ADMINISTRATIVE FEE/5/                                                                                           $21.50 plus
 (deducted annually)                                                                                            $ 2.50 for 
                                                                                                                each Series
SEPARATE ACCOUNT ANNUAL EXPENSES                                                                                           
  (referred to as Separate Account Product Charges) (as a percentage of average Participant's Account value in             
  the Separate Account)                                                                                                    
Mortality and Expense Risk Charge                                                                                     1.25%
Distribution Expense Charge                                                                                           0.10%
                                                                                                                      -----
Total Separate Account Annual Expenses/6/                                                                             1.35%

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

THE NEXT TABLE SHOWS THE MINIMUM AND MAXIMUM TOTAL OPERATING EXPENSES CHARGED   
BY THE FUNDS THAT YOU MAY PAY PERIODICALLY DURING THE TIME THAT YOU OWN THE     
CERTIFICATE. CERTAIN FUNDS MAY IMPOSE A REDEMPTION FEE IN THE FUTURE. MORE      
DETAIL CONCERNING EACH FUND'S FEES AND EXPENSES IS CONTAINED IN THE             
PROSPECTUSES FOR THE FUNDS AND IN THE FOLLOWING TABLES. PLEASE READ THE         
PROSPECTUSES CAREFULLY BEFORE MAKING YOUR ALLOCATIONS TO THE INVESTMENT OPTIONS.

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

                                                        [Enlarge/Download Table]

                                                                                                  Minimum Maximum
                                                                                                  ------- -------
                                                                                                                 
Total Annual Fund Operating Expenses                                                               0.25%   1.04% 
(expenses that are deducted from Fund assets, including management fees, 12b-1/Service fees, and                 
other expenses) as of December 31, 2014                                                                          

--------------------------------------------------------------------------------
Notes                                                                           

1.  Surrender charges decline based on date of Purchase Payment. (See "Contract 
Charges - Surrender Charge")                                                    

                                                                [Download Table]

Number of Complete Months from          
Receipt of Purchase Payment     % Charge
------------------------------  --------
                                        
     60 months or less             7    
     More than 60 months           0    

Amounts surrendered are attributed to Purchase Payments made (and any           
accumulation) on a first-in, first-out basis.                                   

2.  In the event of a surrender, the fee is the lesser of $10 or 2% of the      
amount surrendered.                                                             

3.  In the event of a transfer, the fee applies to each transfer from a Series. 
We currently waive this fee.                                                    

4.   For 403(b) Plans only, loans will be charged an initial set-up fee of      
$50.00.                                                                         

5.  The Administrative Charge is currently waived if you make purchase payments 
of $2,000 or more in a Certificate Year or if your Participant's Account value  
is $10,000 or more at the end of the Certificate Year.                          

6.  Total Separate Account Expenses are 1.25% under the Retirement Companion    
version of the Contract.                                                        

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FUND EXPENSES                                                                   
(as a percentage of the average daily net assets of a Fund)                     

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

                                                        [Enlarge/Download Table]

                                                 DISTRIBUTION                                              NET   
                                                    AND/OR             ACQUIRED   TOTAL    FEE WAIVER     TOTAL  
                                                   SERVICE               FUND    ANNUAL      AND/OR      ANNUAL  
                                      MANAGEMENT   (12B-1)     OTHER   FEES AND OPERATING    EXPENSE    OPERATING
                FUND                     FEE         FEES     EXPENSES EXPENSES EXPENSES  REIMBURSEMENT EXPENSES 
-----------------------------------------------------------------------------------------------------------------
                                                                                                                 
AMERICAN FUNDS INSURANCE                                                                                         
SERIES(R)--CLASS 2                                                                                               
-----------------------------------------------------------------------------------------------------------------
 American Funds Global Small                                                                                     
   Capitalization Fund                  0.70%       0.25%      0.04%      --      0.99%          --       0.99%  
-----------------------------------------------------------------------------------------------------------------
 American Funds Growth Fund             0.33%       0.25%      0.02%      --      0.60%          --       0.60%  
-----------------------------------------------------------------------------------------------------------------
 American Funds Growth-Income                                                                                    
   Fund                                 0.27%       0.25%      0.02%      --      0.54%          --       0.54%  
-----------------------------------------------------------------------------------------------------------------
DEUTSCHE VARIABLE SERIES I--                                                                                     
CLASS A                                                                                                          
-----------------------------------------------------------------------------------------------------------------
 Deutsche CROCI(R) International VIP    0.79%          --      0.25%      --      1.04%       0.05%       0.99%  
-----------------------------------------------------------------------------------------------------------------
FIDELITY(R) VARIABLE INSURANCE                                                                                   
PRODUCTS--INITIAL CLASS                                                                                          
-----------------------------------------------------------------------------------------------------------------
 Asset Manager Portfolio                0.50%          --      0.12%      --      0.62%          --       0.62%  
-----------------------------------------------------------------------------------------------------------------
 Contrafund(R) Portfolio                0.55%          --      0.08%      --      0.63%          --       0.63%  
-----------------------------------------------------------------------------------------------------------------
 Growth Portfolio                       0.55%          --      0.10%      --      0.65%          --       0.65%  
-----------------------------------------------------------------------------------------------------------------
 Money Market Portfolio                 0.17%          --      0.08%      --      0.25%          --       0.25%  
-----------------------------------------------------------------------------------------------------------------
 Overseas Portfolio                     0.67%          --      0.13%      --      0.80%          --       0.80%  
-----------------------------------------------------------------------------------------------------------------
MET INVESTORS SERIES TRUST--                                                                                     
CLASS A                                                                                                          
-----------------------------------------------------------------------------------------------------------------
 Invesco Small Cap Growth Portfolio     0.84%          --      0.03%      --      0.87%       0.01%       0.86%  
-----------------------------------------------------------------------------------------------------------------
 Lord Abbett Bond Debenture                                                                                      
   Portfolio                            0.51%          --      0.04%      --      0.55%       0.01%       0.54%  
-----------------------------------------------------------------------------------------------------------------
 MetLife Small Cap Value Portfolio      0.74%          --      0.03%      --      0.77%       0.01%       0.76%  
-----------------------------------------------------------------------------------------------------------------
 MFS(R) Research International                                                                                   
   Portfolio                            0.69%          --      0.07%      --      0.76%       0.06%       0.70%  
-----------------------------------------------------------------------------------------------------------------
 Morgan Stanley Mid Cap Growth                                                                                   
   Portfolio                            0.64%          --      0.05%      --      0.69%       0.01%       0.68%  
-----------------------------------------------------------------------------------------------------------------
 PIMCO Total Return Portfolio           0.48%          --      0.03%      --      0.51%       0.04%       0.47%  
-----------------------------------------------------------------------------------------------------------------
 T. Rowe Price Large Cap Value                                                                                   
   Portfolio                            0.57%          --      0.02%      --      0.59%          --       0.59%  
-----------------------------------------------------------------------------------------------------------------

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                                                 DISTRIBUTION                                              NET   
                                                    AND/OR             ACQUIRED   TOTAL    FEE WAIVER     TOTAL  
                                                   SERVICE               FUND    ANNUAL      AND/OR      ANNUAL  
                                      MANAGEMENT   (12B-1)     OTHER   FEES AND OPERATING    EXPENSE    OPERATING
                FUND                     FEE         FEES     EXPENSES EXPENSES EXPENSES  REIMBURSEMENT EXPENSES 
-----------------------------------------------------------------------------------------------------------------
                                                                                                                 
METROPOLITAN SERIES FUND--                                                                                       
CLASS A                                                                                                          
-----------------------------------------------------------------------------------------------------------------
 Barclays Aggregate Bond Index                                                                                   
   Portfolio                            0.25%         --       0.03%       --     0.28%       0.00%       0.28%  
-----------------------------------------------------------------------------------------------------------------
 BlackRock Bond Income Portfolio        0.32%         --       0.03%       --     0.35%       0.00%       0.35%  
-----------------------------------------------------------------------------------------------------------------
 BlackRock Capital Appreciation                                                                                  
   Portfolio                            0.69%         --       0.02%       --     0.71%       0.06%       0.65%  
-----------------------------------------------------------------------------------------------------------------
 BlackRock Large Cap Value Portfolio    0.63%         --       0.02%       --     0.65%       0.03%       0.62%  
-----------------------------------------------------------------------------------------------------------------
 Met/Artisan Mid Cap Value Portfolio    0.81%         --       0.03%       --     0.84%          --       0.84%  
-----------------------------------------------------------------------------------------------------------------
 MetLife Mid Cap Stock Index                                                                                     
   Portfolio                            0.25%         --       0.05%    0.01%     0.31%       0.00%       0.31%  
-----------------------------------------------------------------------------------------------------------------
 MetLife Stock Index Portfolio          0.25%         --       0.02%       --     0.27%       0.01%       0.26%  
-----------------------------------------------------------------------------------------------------------------
 MFS(R) Total Return Portfolio          0.55%         --       0.05%       --     0.60%          --       0.60%  
-----------------------------------------------------------------------------------------------------------------
 MFS(R) Value Portfolio                 0.70%         --       0.02%       --     0.72%       0.14%       0.58%  
-----------------------------------------------------------------------------------------------------------------
 MSCI EAFE(R) Index Portfolio           0.30%         --       0.10%    0.01%     0.41%       0.00%       0.41%  
-----------------------------------------------------------------------------------------------------------------
 Neuberger Berman Genesis Portfolio     0.80%         --       0.03%       --     0.83%       0.00%       0.83%  
-----------------------------------------------------------------------------------------------------------------
 Russell 2000(R) Index Portfolio        0.25%         --       0.07%    0.05%     0.37%       0.01%       0.36%  
-----------------------------------------------------------------------------------------------------------------
 T. Rowe Price Large Cap Growth                                                                                  
   Portfolio                            0.60%         --       0.03%       --     0.63%       0.02%       0.61%  
-----------------------------------------------------------------------------------------------------------------
 T. Rowe Price Small Cap Growth                                                                                  
   Portfolio                            0.47%         --       0.04%       --     0.51%          --       0.51%  
-----------------------------------------------------------------------------------------------------------------
 WMC Core Equity Opportunities                                                                                   
   Portfolio                            0.70%         --       0.03%       --     0.73%       0.11%       0.62%  
-----------------------------------------------------------------------------------------------------------------
T. ROWE PRICE GROWTH STOCK                                                                                       
FUND, INC.                                                                                                       
-----------------------------------------------------------------------------------------------------------------
 T. Rowe Price Growth Stock Fund,                                                                                
   Inc.                                 0.52%         --       0.16%       --     0.68%          --       0.68%  
-----------------------------------------------------------------------------------------------------------------
THE ALGER PORTFOLIOS--CLASS I-2                                                                                  
-----------------------------------------------------------------------------------------------------------------
 Alger Small Cap Growth Portfolio       0.81%         --       0.15%       --     0.96%          --       0.96%  
-----------------------------------------------------------------------------------------------------------------

The information shown in the table above was provided by the Funds and we have  
not independently verified that information. Net Total Annual Operating         
Expenses shown in the table reflect any current fee waiver or expense           
reimbursement arrangement that will remain in effect for a period of at least   
one year from the date of the Fund's 2015 prospectus. "0.00%" in the Fee Waiver 
and/or Expense Reimbursement column indicates that there is such an arrangement 
in effect for the Fund, but that the expenses of the Fund are below the level   
that would trigger the waiver or reimbursement. Fee waiver and expense          
reimbursement arrangements with a duration of less than one year, or            
arrangements that may be terminated without the consent of the Fund's board of  
directors or trustees, are not shown.                                           

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EXAMPLES                                                                        

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

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

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

                                                        [Enlarge/Download Table]

                                               Time Periods                                                    
         1 Year                      3 Years                     5 Years                    10 Years           
---------------------------------------------------------------------------------------------------------------
                                                                                                               
        (a) $972                   (a) $1,444                  (a) $2,010                  (a) $2,907          
        (b) $894                   (b) $1,206                  (b) $1,610                  (b) $2,095          

(2) IF YOU ANNUITIZE AT THE END OF THE APPLICABLE TIME PERIOD:                  

                                                        [Enlarge/Download Table]

                                               Time Periods                                                    
         1 Year                      3 Years                     5 Years                    10 Years           
---------------------------------------------------------------------------------------------------------------
                                                                                                               
        (a) $272                    (a) $814                   (a) $1,380                  (a) $2,907          
        (b) $194                    (b) $576                   (b) $  980                  (b) $2,095          

(3) IF YOU DO NOT SURRENDER YOUR CERTIFICATE:                                   

Time Periods  
1 Year   3 Years   5 Years    10 Years
----------------------------------------
(a) $262  (a) $804 (a) $1,370 (a) $2,897
(b) $184  (b) $566 (b) $  970 (a) $2,085

The Examples should not be considered a representation of past or future        
expenses or annual rates of return of any Fund. Actual expenses and annual      
rates of return may be more or less than those assumed for the purpose of the   
examples.                                                                       

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FINANCIAL AND PERFORMANCE INFORMATION                                           

[SIDE BAR: All performance numbers are based upon historical earnings. These    
numbers are not intended to indicate future results. Yields and average annual  
total returns are determined in accordance with the computation methods         
required by the Securities and Exchange Commission (the "SEC") in the Form N-4  
Registration Statement. These methods are described in detail in the Statement  
of Additional Information.]                                                     

PERFORMANCE INFORMATION                                                         

We periodically advertise Series performance relating to the various Funds. We  
will calculate performance by determining the percentage change in the value of 
an accumulation unit by dividing the increase (decrease) for that unit by the   
value of the accumulation unit at the beginning of the period. This performance 
number reflects the deduction of the Separate Account product charges and the   
Fund expenses. It does not reflect the deduction of any applicable Transaction  
Fee or surrender charge. The deduction of these charges would reduce the        
percentage increase or make greater any percentage decrease. Any advertisement  
will also include total return figures which reflect the deduction of the       
Separate Account product charges, account fees, surrender charges and the       
Transaction Fees.                                                               

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

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

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

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

FINANCIAL INFORMATION                                                           

Financial Statements of the Separate Account and MetLife USA are contained in   
the Statement of Additional Information. Please see the section "Additional     
Information" of this Prospectus for information on how to obtain a copy of the  
Statement of Additional Information.                                            

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DESCRIPTION OF METLIFE INSURANCE COMPANY USA, THE GENERAL ACCOUNT, THE SEPARATE 
ACCOUNT, THE FUNDS AND SERVICE PROVIDERS                                        

THE INSURANCE COMPANY                                                           

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

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

THE GENERAL ACCOUNT                                                             

All of the assets of MetLife USA, except for those in the Separate Account and  
other segregated asset accounts, make up the assets of the General Account. You 
may allocate to the General Account. Amounts allocated to the General Account   
are credited with interest at an interest rate that is guaranteed by MetLife    
USA. The minimum interest rate depends on the date your Contract is issued but  
will not be less than 3%. Your registered representative can tell you the       
current and minimum rates that apply. Because of exemptive and exclusionary     
provisions, interests in the General Account have not been registered under the 
Securities Act of 1933 and the General Account has not been registered as an    
investment company under the Investment Company Act of 1940. Instead of you     
bearing the risk of fluctuations in the value of the assets as is the case for  
amounts invested in the Separate Account, MetLife USA bears the full investment 
risk for amounts in the General Account. MetLife USA has sole discretion to     
invest the assets of the General Account, subject to applicable law. All        
guarantees as to Purchase Payments or Account value allocated to the General    
Account, interest credited to the General Account, and Fixed Annuity payments   
are subject to MetLife USA's financial strength and claim-paying ability.       
Please see the terms of your Certificate for more information.                  

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THE SEPARATE ACCOUNT                                                            

The Board of Directors of MetLife Investors USA adopted a resolution to         
establish the Separate Account in accordance with the Delaware Insurance Code   
on May 29, 1980. On November 14, 2014, following the close of business, MetLife 
Investors USA merged into MetLife USA and the Separate Account became a         
separate account of MetLife USA. The purpose of the Separate Account is to hold 
the variable assets that underlie the Contracts and some other variable annuity 
contracts that MetLife USA offers. The Separate Account is registered with the  
SEC as a unit investment trust under the 1940 Act.                              

The assets of the Separate Account are held in MetLife USA's name on behalf of  
the Separate Account and legally belong to MetLife USA. Although the Separate   
Account, and each of the Series that make up the Separate Account, are          
considered as part of MetLife USA's general business, the Separate Account's    
assets are solely for the benefit of those who invest in the Separate Account   
and no one else, including MetLife USA's creditors. All the income, gains and   
losses (realized and unrealized) resulting from these assets are credited to or 
charged against the Contracts issued from this Separate Account without regard  
to MetLife USA's other business. Under state law and the terms of the Contract, 
the assets of the Separate Account will not be responsible for liabilities      
arising out of MetLife USA's other business. Furthermore, MetLife USA is        
obligated to pay all money it owes under the Contracts even if that amount      
exceeds the assets in the Separate Account. However, the amount of these        
payments is guaranteed only to the extent of the level amount calculated at the 
beginning of each Annuity year. Any obligations that exceed the assets in the   
Separate Account are payable by the General Account. The amount of the death    
benefit that exceeds the Contract Value is paid from the General Account.       
Benefit amounts paid from the General Account are subject to the claims-paying  
ability of MetLife USA and MetLife USA's long-term ability to make such         
payments and are not guaranteed by any other party. For other annuity contracts 
and life insurance policies that MetLife USA issues, all amounts owed under the 
contracts and policies are paid from the General Account. MetLife USA is        
regulated as an insurance company under state law, which generally imposes      
restrictions on the amount and type of investments in the General Account.      
However, there is no guarantee that MetLife USA will be able to meet all        
claims-paying obligations. There are risks to purchasing any insurance product. 

The Separate Account is divided into a number of investment Series of           
Accumulation and Annuity Units. Over twenty-five of these Series are available  
under the Contracts as investment choices. Each Series invests in the shares of 
only one of the Funds.                                                          

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

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THE FUNDS                                                                       

The following Funds are available as investment options under the Contract. YOU 
SHOULD READ THE PROSPECTUSES FOR THESE FUNDS CAREFULLY. YOU CAN OBTAIN COPIES   
OF THE FUND PROSPECTUSES BY CALLING OR WRITING TO US AT: METLIFE INSURANCE      
COMPANY USA, 11225 NORTH COMMUNITY HOUSE ROAD, CHARLOTTE, NC 28277, (800)       
343-8496. Certain Funds described in the prospectuses may not be available with 
your Contract. Appendix B contains a summary of investment objectives and the   
names of the subadviser, if any, for each Fund.                                 

THE ALGER PORTFOLIOS (CLASS I-2)                                                

The Alger Portfolios is a mutual fund with multiple portfolios, one of which is 
offered under the Contract. Fred Alger Management, Inc. is the investment       
adviser to each of the portfolios. The following Class I-2 portfolio is         
available under the Contract:                                                   

Alger Small Cap Growth Portfolio                                              

AMERICAN FUNDS INSURANCE SERIES(R) (CLASS 2)                                    

American Funds Insurance Series(R) is a mutual fund with multiple funds, three  
of which are offered under the Contract. Capital Research and Management        
Company is the investment adviser to each Series. The following Class 2 funds   
are available under the Contract:                                               

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

DEUTSCHE VARIABLE SERIES I (CLASS A)                                            

Deutsche Variable Series I is a mutual fund with multiple series, one of which  
is offered under the Contract. Deutsche Investment Management Americas Inc. is  
the investment adviser to each series. The following Class A series is          
available under the Contract:                                                   

Deutsche CROCI(R) International VIP                                           

FIDELITY(R) VARIABLE INSURANCE PRODUCTS (INITIAL CLASS)                         

Fidelity Variable Insurance Products is a mutual fund with multiple portfolios, 
five of which are offered under the Contract. Fidelity Management & Research    
Company (FMR) is the investment adviser to each of the portfolios. The          
following Initial Class portfolios are available under the Contract:            

Asset Manager Portfolio                                                       

Contrafund(R) Portfolio                                                       
Growth Portfolio                                                              
Money Market Portfolio                                                        
Overseas Portfolio (2)                                                        

MET INVESTORS SERIES TRUST (CLASS A)                                            

Met Investors Series Trust is a mutual fund with multiple portfolios. MetLife   
Advisers, LLC, an affiliate of MetLife USA, is the investment manager of Met    
Investors Series Trust. MetLife Advisers, LLC has engaged subadvisers to        
provide investment advice for the individual portfolios. The following Class A  
portfolios are available under the Contract:                                    

Invesco Small Cap Growth Portfolio                                            
Lord Abbett Bond Debenture Portfolio                                          
MFS(R) Research International Portfolio                                       
Morgan Stanley Mid Cap Growth Portfolio                                       
PIMCO Total Return Portfolio                                                  
T. Rowe Price Large Cap Value Portfolio                                       

MetLife Small Cap Value Portfolio                                             

METROPOLITAN SERIES FUND (CLASS A)                                              

Metropolitan Series Fund is a mutual fund with multiple portfolios. MetLife     
Advisers, LLC is the investment adviser for all of the portfolios. MetLife      
Advisers, LLC has engaged subadvisers to provide investment advice for the      
individual portfolios. The following Class A portfolios are available under the 
Contract:                                                                       

Barclays Aggregate Bond Index Portfolio                                       
BlackRock Bond Income Portfolio                                               
BlackRock Capital Appreciation Portfolio                                      
BlackRock Large Cap Value Portfolio                                           
Met/Artisan Mid Cap Value Portfolio                                           
MetLife Mid Cap Stock Index Portfolio                                         
MetLife Stock Index Portfolio                                                 
MFS(R) Total Return Portfolio                                                 
MFS(R) Value Portfolio                                                        
MSCI EAFE(R) Index Portfolio                                                  
Neuberger Berman Genesis Portfolio                                            
Russell 2000(R) Index Portfolio                                               
T. Rowe Price Large Cap Growth Portfolio                                      
T. Rowe Price Small Cap Growth Portfolio                                      
WMC Core Equity Opportunities Portfolio                                       

T. ROWE PRICE GROWTH STOCK FUND, INC.(2)                                        

The T. Rowe Price Growth Stock Fund, Inc. is a mutual fund. T. Rowe Price       
Associates, Inc. is the investment adviser for the fund.                        

(1) Not available under the Retirement Companion version of the Contract.       
(2) Not available for 403(b) plans.                                             

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[SIDE BAR: While the Series and their comparably named Funds may have names,    
investment objectives and management which are identical or similar to publicly 
available mutual funds, these are not those retail mutual funds. The Funds most 
likely will not have the same performance experience as any retail mutual fund. 
Moreover, a Series that invests in a retail fund will have lower investment     
performance than the retail fund due to Contract charges and expenses.]         
Shares of each Fund are purchased for the corresponding Series. These Funds     
invest in stocks, bonds and other investments. All dividends declared by the    
Funds are earned by the Separate Account and reinvested. Therefore, no          
dividends are distributed to you under the Contract. Instead, dividends         
generally increase the Accumulation or Annuity Unit Value. You pay no           
transaction expenses (i.e., front-end or back-end load sales charges) as a      
result of the Separate Account's purchase or sale of these Fund shares.         

The Funds listed above other than the T. Rowe Price Growth Stock Fund, Inc. are 
available only by purchasing annuities and life insurance policies offered by   
MetLife USA or by other insurance companies and are never sold directly to the  
public. The shares of each Fund are purchased, without sales charge, for the    
corresponding Series at the next net asset value per share determined by a Fund 
after your payment is received by MetLife USA. Fund shares will be redeemed by  
the Series to the extent necessary for MetLife USA to make annuity or other     
payments under the Contracts.                                                   

Each of the Funds is a portfolio or series of an open-end management investment 
company registered with the SEC under the 1940 Act. Registration does not       
involve supervision by the SEC of the investment or investment policies of the  
Funds. There can be no guarantee that a Fund will meet its investment           
objectives.                                                                     

A Fund's performance may be affected by risks specific to certain types of      
investments, such as foreign securities, derivative instruments, non-investment 
grade securities, initial public offerings (IPOs) or companies with relatively  
small market capitalizations. IPOs and other investment techniques may have a   
magnified performance impact on a Fund with a small asset base. A Fund may not  
experience similar performance as its assets grow.                              

[SIDE BAR: The Funds are more fully described in the Fund prospectuses and      
their Statements of Additional Information.]                                    

The Funds are available to other registered separate accounts offering variable 
annuity and variable life products in addition to MetLife USA's Separate        
Account. In the future, a conflict may develop between one or more separate     
accounts invested in the same Fund. The conflict could develop due to change in 
the law affecting variable annuity products or from differences in voting       
instructions of owners of the different separate accounts. MetLife USA monitors 
the Series for this type of conflict and will remedy the situation if such a    
conflict develops. This may include the withdrawal of amounts invested in the   
Funds by you and other Participants and Owners.                                 

CERTAIN PAYMENTS WE RECEIVE WITH REGARD TO THE FUNDS. An investment adviser     
(other than our affiliate MetLife Advisers, LLC) or subadviser of a Fund or its 
affiliates may make payments to us and/or certain of our affiliates. These      
payments may be used for a variety of purposes, including payment of expenses   
for certain administrative, marketing, and support services with respect to the 
Contracts and, in MetLife USA's role as intermediary, with respect to the       
Funds. MetLife USA and its affiliates may profit from these payments. These     
payments may be derived, in whole or in part, from the advisory fee deducted    
from                                                                            

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Fund assets. Contract Owners, through their indirect investment in the Funds,   
bear the costs of these advisory fees (see the Funds' prospectuses for more     
information). The amount of the payments we receive is based on a percentage of 
assets of the Funds attributable to the Contracts and certain other variable    
insurance products that we and our affiliates issue. These percentages differ   
and some advisers or subadvisers (or other affiliates) may pay us more than     
others. These percentages currently range up to 0.50%. Additionally, an         
investment adviser (other than our affiliate, MetLife Advisers, LLC) or         
subadviser of a Fund or its affiliates may provide us with wholesaling services 
that assist in the distribution of the Contracts and may pay us and/or certain  
affiliates amounts to participate in sales meetings. These amounts may be       
significant and may provide the adviser or subadviser (or its affiliate) with   
increased access to persons involved in the distribution of the Contracts.      

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

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

HOW WE SELECT THE FUNDS. We select the Funds offered through the Contract based 
on a number of criteria, including asset class coverage, the strength of the    
adviser's or sub-adviser'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 Fund's   
adviser or sub-adviser is one of our affiliates or whether the Fund, its        
adviser, its sub-adviser(s), or an affiliate will make payment to us or our     
affiliates. For additional information on these arrangements, see "Certain      
Payments We Receive with Regard to the Funds" above. 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 Funds advised by    
our affiliates than those that are not, we may be more inclined to offer Funds  

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advised by our affiliates in the variable insurance products we issue. In some  
cases, we have included Funds based on recommendations made by selling firms.   
These selling firms may receive payments from the Funds they recommend and may  
benefit accordingly from the allocation of Account value to such Funds. We      
review the Funds periodically and may remove a Fund or limit its availability   
to new Purchase Payments and/or transfers of Participant's Account value if we  
determine that the Fund no longer meets one or more of the selection criteria,  
and/or if the Fund has not attracted significant allocations from Participants. 
We make certain payments to American Funds Distributors, Inc., principal        
underwriter for the American Funds Insurance Series. (See "Principal            
Underwriter.")                                                                  

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

SUBSTITUTION OF FUND SHARES. MetLife USA may substitute shares of another fund  
for Fund shares if the shares of a Fund are no longer available or further      
investment in such shares is determined to be inappropriate by MetLife USA's    
management in view of the purposes of the Contracts. The substituted fund may   
have different fees and expenses. However, no substitution is allowed unless a  
majority of the Owners entitled to vote (those who have invested in the Series) 
and the SEC approves the substitution under the 1940 Act. Furthermore, we may   
close investment portfolios to allocation of purchase payments or Contract      
value, or both, at any time in our sole discretion.                             

PRINCIPAL UNDERWRITER                                                           

MetLife Investors Distribution Company ("Distributor"), 1095 Avenue of the      
Americas, New York, NY 10036, a broker-dealer registered under the Securities   
Exchange Act of 1934 and a member of the Financial Industry Regulatory          
Authority ("FINRA"), an affiliate and principal underwriter for the Contracts.  
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 Distributor is a Missouri corporation.      

MetLife USA has entered into a distribution agreement with MetLife Investors    
Distribution Company, for the distribution of the Certificates. We pay          
compensation to Distributor for sales of the Contracts and Certificates by the  
selling firm.                                                                   

We pay amounts to Distributor that may be used for its operating and other      
expenses, including the following sales expenses: compensation and bonuses for  
the Distributor's management team, advertising expenses, and other expenses of  
distributing the contracts. Distributor's management team also may be eligible  
for non-cash compensation items that we may provide jointly with Distributor.   
Non-cash items include conferences,                                             

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seminars and trips (including travel, lodging and meals in connection           
therewith), entertainment, merchandise and other similar items.                 

We and Distributor have entered into selling agreements with other affiliated   
and unaffiliated selling firms for the sale of the Contracts. All selling firms 
receive commissions and they may receive some form of non-cash compensation.    
These commissions and other incentives or payments are not charged directly to  
Participants or the Separate Account. We intend to recoup commissions and other 
sales expenses through fees and charges deducted under the Contract or from our 
general account. A portion of the payments made to selling firms may be passed  
on to their sales representatives in accordance with their internal             
compensation programs. Those programs may also include other types of cash and  
non-cash compensation and other benefits.                                       

We and Distributor pay compensation to all selling firms in the form of         
commissions and may provide certain types of non-cash compensation. The maximum 
commission payable for contract sales and additional purchase payments by       
selling firms is 8.5% of purchase payments. We also pay commissions when a      
Participant elects to begin receiving Annuity payments. (See "Annuity Benefits  
- Variable Annuity Payments.")                                                  

SERVICING AGENT                                                                 

MetLife Group, Inc. and Metropolitan Life Insurance Company provide MetLife USA 
with personnel and administrative services, including: officers, office space,  
supplies, utilities, office equipment, travel expenses and periodic reports.    

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CONTRACT CHARGES                                                                

MetLife USA deducts the charges described below, and we may also deduct a       
charge for taxes, if applicable. Unless otherwise specified, charges are        
deducted proportionately from all Series, and the General Account in which you  
are invested.                                                                   

These charges may not be changed under the Contract, and MetLife USA may profit 
from these charges in the aggregate.                                            

PREMIUM AND OTHER TAXES                                                         

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

SURRENDER CHARGE                                                                

[SIDE BAR: The surrender charge covers marketing expenses for the sale of       
Contracts, such as commissions to sales personnel and other promotion and       
acquisition expenses.]                                                          
No sales charge is deducted from any Purchase Payment. However, a surrender     
charge (contingent deferred sales charge) may be imposed on a partial or full   
surrender of the Participant's Account. During the accumulation phase, you can  
withdraw part or all of the Participant's Account. For 403(b) Plans only, in    
the first surrender of each calendar year, you may surrender up to 10% of the   
value of your interest in the Separate Account without surrender charges,       
provided that the proceeds are paid solely to the Participant or the            
Beneficiary. If you withdraw money in excess of 10%, you might have to pay a    
surrender charge on the excess amount. Withdrawals from 403(b) Plans may be     
restricted by the Internal Revenue Code.                                        

If the amount you withdraw is determined to include the withdrawal of any of    
your prior Purchase Payments, a surrender charge is assessed against each       
Purchase Payment withdrawn. To determine what portion (if any) of a withdrawal  
is subject to a surrender charge, amounts are withdrawn from your Contract in   
the following order:                                                            

1. Earnings in your Contract (earnings are equal to the Participant's Account,  
less Purchase Payments not previously withdrawn); then                    

2. For 403(b) Plans only, the free withdrawal amount described above (deducted  
from Purchase Payments not previously withdrawn, in the                   

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order such Purchase Payments were made, with the oldest Purchase Payment  
first, as described below); then                                          

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

The following schedule shows the surrender charges that apply during the        
60 months following each Purchase Payment:                                      

                                                                [Download Table]

     Number of Months                        
Since Purchase Payment Date  Surrender Charge
---------------------------------------------
                                             
   60 months or less                7%       
   More than 60 months              0%       

The Surrender Charge amount is the gross surrender amount multiplied by the     
Surrender Charge.                                                               

gross surrender amount   x   Surrender Charge = Surrender Charge amount 

[SIDE BAR: The surrender charge covers marketing expenses for the sale of       
Contracts, such as commissions to sales personnel and other promotion and       
acquisition expenses.]                                                          

If you make a partial surrender, you will receive a check in the amount         
requested. The surrender charge, if any, will be deducted from the Series from  
which the partial surrender was taken. If the amount in a particular Series is  
completely surrendered, the charge will be taken from the remaining Series in   
which you have an interest. A surrender charge, if any, will not be applied to  
the amounts deducted to cover the surrender charge.                             

MetLife USA will not deduct any surrender charge once 9 years have elapsed      
since your Certificate Date.                                                    

DIVORCE. A withdrawal 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          
Participant's Account and the death benefit. The withdrawal could have a        
significant negative impact on the death benefit.                               

EXCEPTIONS TO SURRENDER CHARGE                                                  

In some cases, MetLife USA will not charge you the surrender charge when you    
make a surrender. You do not pay the surrender charge:                          

..   on transfers made within the Contract;                                     

..   on withdrawals of Purchase Payments you made over 60 months ago;           

..   If you die during the pay-in phase. Your Beneficiary(ies) will receive the 
full death benefit without deduction;                                   

..   If you are a 403(b) Plan Participant and you withdraw no more than 10% of  
your interest in any calendar year (subject to Internal Revenue Code    
restrictions);                                                          

..   If you are confined to a hospital for at least 30 consecutive days or a    
  skilled nursing home for at least 90 consecutive days. The withdrawal must
  be in a lump sum and must be requested within 60 days after termination of
confinement. This Contract feature is not available in Massachusetts and
South Dakota;                                                           

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[SIDE BAR:Please note that deductions are made and expenses paid out of the     
underlying Funds' assets, as well. A description of these fees and expenses are 
described in each Fund's prospectus.]                                           

..   When you are an officer, director or full time employee of MetLife USA or  
  its affiliates. In this case, the purchase of the Contract is for personal
investment purposes only;                                               

..   on required minimum distributions from, or excess contributions to, a      
qualified contract (but only with respect to amounts required to be     
distributed from this contract); and                                    

..   If permitted in your state, if you are the Plan Participant and you make a 
  direct transfer of your Participant's Account to another funding option or
   annuity contract issued by MetLife USA or one of its affiliates and MetLife
USA or its affiliate agrees.                                            

ADMINISTRATIVE FEES                                                             

An administrative fee of $21.50 plus $2.50 for each Series in which you have    
Accumulation Units is deducted from your Participant's Account on a yearly      
basis. The fee is prorated between Series in your Account based on their values 
on the date of the deduction. Contract administration expenses we incur include:

..   the cost of Contract issuance;                                             

..   rent;                                                                      

..   stationery and postage;                                                    

..   telephone and travel expenses;                                             

..   salaries;                                                                  

..   legal, administrative, actuarial and accounting fees;                      

..   periodic reports; and                                                      

..   office equipment, and custodial expenses.                                  

The administrative fee will be waived for any Certificate Year during which you 
contribute Purchase Payments of $2,000 or more or your Participant's Account is 
$10,000 or more at the end of the Certificate Year.                             

TRANSACTION CHARGES                                                             

A $10 transaction charge will be deducted from your Account for each transfer   
from a Series (see "Transfers") and upon annuitizaton of all or a portion of    
your Participant's Account (see "Annuity Benefits"). When you make a full or    
partial surrender, a transaction charge will be deducted from your              
Participant's Account in an amount equal to the lesser of:                      

..   $10 or                                                                     

..   2% of the amount surrendered.                                              

These charges are at cost. MetLife USA does not anticipate profiting from them. 
Transaction charges for transfers from one Series of the Separate Account to    
another Series of the Separate Account are currently waived. (See, however,     
"Description of the Contracts - Restrictions on Transfers.")                    

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MORTALITY AND EXPENSE RISK CHARGE                                               

MetLife USA charges a fee for bearing certain mortality and expense risks under 
the Contract. You pay the mortality and expense risk charge during the          
accumulation phase and the income phase. Examples of these risks include a      
guarantee of annuity rates, the death benefits, and assuming the risk that the  
expense charges and fees are less than actual administrative and operating      
expenses. As compensation for assuming these risks, MetLife USA will make a     
daily deduction from the value of the Separate Account's assets equal to 1.25%  
per year.                                                                       

If MetLife USA has gains from the receipt of the mortality and expense risk     
charges over its cost of assuming these risks, it may use the gains as it sees  
fit. This may include the reduction of expenses incurred in distributing the    
Contracts.                                                                      
MetLife USA may voluntarily waive a portion of the mortality and administrative 
expense risk charges. Any waiver of these expenses may be terminated at any     
time.                                                                           

DISTRIBUTION EXPENSE CHARGE                                                     

MetLife USA also assumes the risk that surrender charges described above will   
be insufficient to cover the actual costs of distribution. These costs include: 

..   commissions,                                                               

..   fees,                                                                      

..   registration costs,                                                        

..   direct and indirect selling expenses (including advertising, sales         
materials, illustrations, marketing personnel, printing, and related    
overhead)                                                               

As compensation for assuming this risk, MetLife USA will make a deduction of    
..000274% on a daily basis (0.10% per year) from the value of the Separate      
Account assets funding the Contract (the staff of the Securities and Exchange   
Commission deems this charge a deferred sales charge). The distribution expense 
charge (sales load), together with any contingent deferred sales charge imposed 
as described under "Surrender Charge" above, will never exceed 9% of purchase   
payments.                                                                       

LOAN SET-UP FEE - 403(B) PLANS ONLY                                             

You may be able to obtain a loan from the portion of your Participant's Account 
allocated to the General Account. Fees may be charged for loan set-up and       
administration. Currently, the loan set-up fee is $50. This amount is deducted  
from the loan proceeds. At this time, there is no fee for administration. Loan  
proceeds may be considered taxable distributions under the Internal Revenue     
Code in the event of a default in repayments.                                   

MetLife USA:                                                                    

..   may terminate loans                                                        

..   change the terms under which loans are made                                

Any action taken by MetLife USA would not affect outstanding loans.             

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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.                    

FUND EXPENSES                                                                   

There are deductions from and expenses paid out of the assets of the various    
Funds, which are described in the fee table in this prospectus and in the Fund  
prospectuses. These deductions and expenses are not charges under the terms of  
the Contract but are represented in the share values of the investment options. 

FREE LOOK PERIOD                                                                

You may cancel your interest in the Contract within a certain time period. This 
is known as a "free look." Your Free Look Period is the 20-day period (or       
longer in certain states) starting when you receive your Certificate. If you    
decide to cancel your interest in the Contract, MetLife USA must receive your   
request to cancel in writing at its administrative office within the 20-day     
period. If the Certificate is mailed to MetLife USA, it will be considered to   
be received on the postmark date. If the Certificate is sent by certified or    
registered mail, the date of certification or registration will be considered   
the date of its return to MetLife USA.                                          

The returned Certificate will be treated as if MetLife USA never issued it, and 
MetLife USA will refund your Purchase Payments or, if permitted by state law,   
the greater of the Purchase Payments or the Participant's Account. Purchase     
Payments that you make to the Separate Account will be allocated to the Money   
Market Portfolio for the number of days of the Free Look Period required by the 
state in which you live. At the end of the Free Look Period, the account value  
in the Money Market Portfolio will be reallocated to the Series of the Separate 
Account that you selected in your Contract application.                         

DEFERRED COMPENSATION PLANS                                                     

For qualified Section 457 deferred compensation Plans, MetLife USA may agree to 
reduce or waive the administrative fees, transaction charges, and the           
distribution expense fee. Also, deductions for sales charges may be reduced or  
waived if a surrender is the result of your:                                    

..   death,                                                                     

..   disability,                                                                

..   retirement,                                                                

..   termination of employment,                                                 

..   unforseeable emergency, or                                                 

..   transfer to another investment provider.                                   

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DESCRIPTION OF THE CONTRACTS                                                    

GENERAL                                                                         

The Contracts (known as Form 226R1) may be offered to Qualified Plans such as:  

..   Section 403(b) tax-sheltered annuities;                                    

..   Section 457 deferred compensation plans;                                   

..   Section 401 pension and profit sharing plans; and                          

..   individual retirement annuities under Section 408 of the Internal Revenue  
Code.                                                                   

The Contracts are designed to fulfill long-term financial needs. They should    
not be considered as short-term or temporary investments.                       

A group Contract is issued to an employer or organization which is the Owner.   
This Contract covers all present and future Participants. After completing an   
enrollment form and arranging for Purchase Payments to begin, except as         
provided below, you and all other Participants will receive a Certificate that  
gives you a summary of the Contract provisions. This Certificate also serves as 
evidence of your participation in the Plan. NO CERTIFICATES ARE ISSUED TO       
PARTICIPANTS UNDER DEFERRED COMPENSATION OR QUALIFIED CORPORATE RETIREMENT      
PLANS.                                                                          

The group Contracts may be restricted by the Plan as to your exercise of        
certain rights provided under the Contracts. You should refer to the Plan for   
information concerning these restrictions.                                      

Due to IRS regulations affecting 403(b) plans, we will only issue new           
Certificates where your employer currently permits salary reduction             
contributions to be made to the Certificate.                                    

ASSIGNMENT                                                                      

If permitted by the Plan, you may assign your interest in the Contract          
by providing MetLife USA with written notice. Where a Contract is issued in     
connection with a non-governmental deferred compensation plan, all rights and   
powers under the Contract are vested in the Owner, not you.                     

MetLife USA will not be bound by the assignment until written notice of the     
assignment is recorded by us. We will not be liable for any payment or other    
action we take in accordance with the Contract before we record the assignment. 
AN ASSIGNMENT MAY BE A TAXABLE EVENT.                                           

PURCHASE PAYMENTS                                                               

You may make Purchase Payments yearly, semi-yearly, quarterly, monthly, or in   
periods agreed to by MetLife USA. You may change when you make Purchase         
Payments if permitted by the Plan. The minimum Purchase Payment is $20, with a  
yearly minimum of $240 (for IRAs, the minimum is $2,000 for an initial Purchase 
Payment and $50 for each additional                                             

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payment), or such lesser amount as is required by federal tax law. Purchase     
Payments may be allocated to the Separate Account, the General Account, or      
between them according to your decision. You will periodically receive a        
confirmation of Purchase Payments which have been received.                     

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 "Payment of Surrender Amount.")                                 

If you send a Purchase Payment or transaction request 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 Participant's Account.              

TRANSFERS                                                                       

ACCUMULATION UNITS                                                              

Except as otherwise limited under "Restrictions on Transfers" below, you may    
transfer Accumulation Units from one Series to another or from a Series to the  
General Account at any time.                                                    

You may not make a transfer from the General Account to Accumulation Units of a 
Series of more than 20% of your interest in the General Account in any one      
year. It is important to note that it will take over 10 years (assuming no      
additional purchase payments or transfers into the General Account and          
discounting any accrued interest) to make a complete transfer of your interest  
from the General Account to Accumulation Units of a Series because of the       
transfer allowance restriction indicated above. This is because the 20%         
transfer allowance is based on a declining interest in the General Account      
rather than transfers based upon a fixed number of years. For example (based    
upon the assumptions above), if your initial interest in the General Account is 
$100, the 20% transfer allowance only allows you to transfer up to $20 the      
first year. If you transfer the maximum transfer allowance that year, you may   
only transfer up to $16 the following year based on the 20% transfer allowance  
of the $80 interest remaining in the General Account for the year. It is        
important to consider when deciding to invest in the General Account whether    
this 20% transfer allowance restriction fits your risk tolerance and time       
horizon.                                                                        

Your transfer instructions must be in writing or, if permitted by MetLife USA,  
by telephone, Internet or other means approved by MetLife USA.                  

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Requests for service may be made:                                               

..   By telephone at (1-800-560-5001), between the hours of 7:30AM and 5:30PM   
  Central Time Monday through Thursday and 7:30AM and 5:00PM Central Time on
Friday; or                                                              

..   In writing to us at the Annuity Service Center at 4700 Westown Parkway,    
Ste. 200, West Des Moines, Iowa 50266.                                  

Your transfer requst must be in Good Order. If MetLife USA permits transfers by 
telephone, you will be required to complete an authorization on the Certificate 
enrollment or on another form that MetLife USA may require. We will use         
reasonable procedures such as requiring certain identifying information, tape   
recording the telephone instructions, and providing written confirmation of the 
transaction, in order to confirm that instructions communicated by telephone,   
fax, Internet or other means are genuine. Any telephone, fax or Internet        
instructions reasonably believed by us to be genuine will be your               
responsibility, including losses arising from any errors in the communication   
of instructions. As a result of this policy, you will bear the risk of loss. If 
we do not employ reasonable procedures to confirm that instructions             
communicated by telephone, fax or Internet are genuine, we may be liable for    
any losses due to unauthorized or fraudulent transactions. All other requests   
and elections under your contract must be in writing signed by the proper       
party, must include any necessary documentation and must be received at our     
Annuity Service Center to be effective. If acceptable to us, requests or        
elections relating to Beneficiaries and Ownership. will take effect as of the   
date signed unless we have already acted in reliance on the prior status. We    
are not responsible for the validity of any written request or action.          

Because telephone or Internet transactions will be available to anyone who      
provides certain information about you or your Contract, you should protect     
that information. We may not be able to verify that you are the person          
providing telephone or Internet instructions, or that you have authorized any   
such person to act for you.                                                     

Telephone or computer systems may not always be available. Any telephone or     
computer system can experience outages or slowdowns for a variety of reasons.   
These outages or slowdowns may delay or prevent our processing of your request. 
Although we have taken precautions to help our systems handle heavy use, we     
cannot promise complete reliability under all circumstances. If you are         
experiencing problems, you should make your request in writing to MetLife       
Insurance Company USA, 11225 North Community House Road, Charlotte, NC 28277.   

Transfers will be effected on the first Valuation Date after receipt of         
written, telephone or Internet instructions. Accumulation Unit values are       
determined as of the close of trading on the New York Stock Exchange. The New   
York Stock Exchange usually closes at 4:00 p.m. Eastern time but may close      
earlier or later. If your transfer instructions are received up to that time    
your transfer will be effected at the value calculated on that Valuation Date.  
If your instructions are received after the close of trading on a valuation     
day, your transfer instructions will be carried out at the value next           
calculated.                                                                     

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ANNUITY UNITS                                                                   

You may convert Annuity Units from one Series to another at any time. You may   
not convert Annuity Units from a Series to the General Account. However, any    
amounts that you have in the General Account that have not been applied to a    
fixed annuity income option may be transferred to Annuity Units in one or more  
Series for Variable Annuity payments. Conversions of Annuity Units may only be  
requested in writing and will be effective on the first valuation following     
receipt of the instructions.                                                    

MINIMUM TRANSFER                                                                

A minimum of $500 must be transferred from any Series or from the General       
Account. The value of the Accumulation and Annuity Units transferred will be    
calculated as of the close of business on the day that the transfer occurs.     

RESTRICTIONS ON TRANSFERS                                                       

RESTRICTIONS ON FREQUENT TRANSFERS. Frequent requests from Participants to make 
transfers may dilute the value of a 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 Fund and the    
reflection of that change in the Fund's share price ("arbitrage trading").      
Frequent transfers involving arbitrage trading may adversely affect the         
long-term performance of the Funds, which may in turn adversely affect          
Participants 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 Funds (i.e., Alger Small Cap Growth    
Portfolio, American Funds Global Small Capitalization Fund, American Funds      
Growth Fund, American Funds Growth-Income Fund, DWS International VIP, Fidelity 
VIP Overseas Portfolio, Lord Abbett Bond Debenture Portfolio, Invesco Small Cap 
Growth Portfolio, MFS(R) Research International Portfolio, MetLife Small Cap    
Value Portfolio, MSCI EAFE(R) Index Portfolio, Neuberger Berman Genesis         
Portfolio, Russell 2000(R) Index Portfolio and T. Rowe Price Small Cap Growth   
Portfolio - (the "Monitored Portfolios") and we monitor transfer activity in    
those Monitored Portfolios. In addition, as described below, we treat all       
American Funds Insurance Series portfolios ("American Funds portfolios") as     
Monitored Portfolios. We employ various means to monitor transfer activity,     
such as examining the frequency and size of transfers into and out of the       
Monitored Portfolios within given periods of time. For example, we currently    
monitor transfer activity to determine if, for each category of international,  
small-cap, and high-yield Portfolios, in a 12-month period there were, (1) six  
or more transfers involving the given category; (2) cumulative gross transfers  
involving the given category that exceed the current Participant's Account      
value; and (3) two or more "round-trips"                                        

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involving any Fund in the given category. A round-trip generally is defined as  
a transfer in followed by a transfer out within the next seven calendar days or 
a transfer out followed by a transfer in within the next seven calendar days,   
in either case subject to certain other criteria. WE DO NOT BELIEVE THAT OTHER  
FUNDS PRESENT A SIGNIFICANT OPPORTUNITY TO ENGAGE IN ARBITRAGE TRADING AND      
THEREFORE DO NOT MONITOR TRANSFER ACTIVITY IN THOSE FUNDS. We may change the    
Monitored Portfolios at any time without notice in our sole discretion.         

As a condition to making their Funds available in our products, American Funds  
requires us to treat all American Funds portfolios as Monitored Portfolios      
under our current frequent transfer policies and procedures. Further, American  
Funds requires us to impose additional specified monitoring criteria for all    
American Funds portfolios available under the Contract, regardless of the       
potential for arbitrage trading. We are required to monitor transfer activity   
in American Funds portfolios to determine if there were two or more transfers   
in followed by transfers out, in each case of a certain dollar amount or        
greater, in any 30-day period. A first violation of the American Funds          
monitoring policy will result in a written notice of violation; each additional 
violation will result in the imposition of a six-month restriction, during      
which period we will require all transfer requests to or from an American Funds 
portfolio to be submitted with an original signature. Further, as Monitored     
Portfolios, all American Funds portfolios also will be subject to our current   
frequent transfer policies, procedures and restrictions (described below), and  
transfer restrictions may be imposed upon a violation of either monitoring      
policy.                                                                         

Our policies and procedures may result in transfer restrictions being applied   
to deter frequent transfers. Currently, when we detect transfer activity in the 
Monitored Portfolios that exceeds our current transfer limits, we require       
future transfer requests to or from any Monitored Portfolios under that         
Contract to be submitted in writing with an original signature. A first         
occurrence will result in the imposition of this restriction for a six-month    
period; a second occurrence will result in the permanent imposition of the      
restriction.                                                                    

The detection and deterrence of harmful transfer activity involves judgments    
that are inherently subjective, such as the decision to monitor only those      
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 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.                   

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The Funds may have adopted their own policies and procedures with respect to    
frequent transfers in their respective shares, and we reserve the right to      
enforce these policies and procedures. For example, 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 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 Funds, we have entered into a written   
agreement, as required by SEC regulation, with each Fund or its principal       
underwriter that obligates us to provide to the Fund promptly upon request      
certain information about the trading activity of individual Contract Owners,   
and to execute instructions from the Fund to restrict or prohibit further       
purchases or transfers by specific Contract Owners who violate the frequent     
transfer policies established by the 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 Funds   
generally are "omnibus" orders from intermediaries such as retirement plans or  
separate accounts funding variable insurance products. The omnibus orders       
reflect the aggregation and netting of multiple orders from individual owners   
of variable insurance products and/or individual retirement plan participants.  
The omnibus nature of these orders may limit the 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 Funds  
(and thus Participants) will not be harmed by transfer activity relating to     
other insurance companies and/or retirement plans that may invest in the Funds. 
If a Fund believes that an omnibus order reflects one or more transfer requests 
from Participants engaged in frequent trading, the 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 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 Participant). You should read the     
Portfolio prospectuses for more details.                                        

RESTRICTIONS ON LARGE TRANSFERS/REALLOCATIONS. Large transfers/reallocations    
may increase brokerage and administrative costs of the underlying Portfolios    
and may disrupt portfolio management strategy, requiring a Portfolio to         
maintain a high cash position and possibly resulting in lost investment         
opportunities and forced liquidations. We do not monitor for large              
transfers/reallocations to or from Portfolios except where the portfolio        
manager of a particular underlying Portfolio has                                

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brought large transfer/reallocation activity to our attention for investigation 
on a case-by-case basis. For example, some portfolio managers have asked us to  
monitor for "block transfers" where transfer/reallocation requests have been    
submitted on behalf of multiple Contract Owners by a third party such as an     
investment adviser. When we detect such large trades, we may impose             
restrictions similar to those described above where future                      
transfer/reallocation requests from that third party must be submitted in       
writing with an original signature. A first occurrence will result in the       
imposition of this restriction for a six-month period; a second occurrence will 
result in the permanent imposition of the restriction.                          

LOANS -- 403(B) PLANS ONLY                                                      

If you are in a 403(b) Plan, you may obtain a loan under the Contract from the  
value of your Participant's Account allocated to the General Account.           
Accumulation Units in the Separate Account are taken into account in            
determining the maximum amount of the loan. You would then be permitted to      
transfer Accumulation Units from the Separate Account to the General Account    
before the loan is made. Your Participant's Account serves as the only security 
for the loan. MetLife USA may terminate a loan at its discretion in the event   
of a request for surrender.                                                     

The Internal Revenue Code imposes limits on the amounts, duration, and          
repayment schedule for all 403(b) plan loans. If the Plan is subject to the     
requirements of Title 1 of the Employee Retirement Income Security Act of 1974, 
eligibility for, and the terms and conditions of the loan may be further        
limited by the terms of the Plan and will be determined by the plan             
administrator or other designated Plan official.                                

Loan proceeds may cause you to incur tax liability (see "Federal Tax            
Considerations").                                                               

MetLife USA may modify or terminate the granting of loans at any time, provided 
that any modification or termination will not affect outstanding loans.         

Fees may be charged for loan set-up and administration. Currently, the loan     
set-up fee is $50. This amount is deducted from the loan proceeds. At this      
time, there is no fee for administration.                                       

CYBERSECURITY                                                                   

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 Funds and the firms     
involved in the distribution and sale of our variable annuity contracts). For   
example, many routine operations, such as processing Owners' requests and       
elections and day-to-day record keeping, are all executed through computer      
networks and systems.                                                           

We have established administrative and technical controls and a business        
continuity plan to protect our operations against cybersecurity breaches.       

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Despite these protocols, a cybersecurity breach could have a material, negative 
impact on MetLife USA 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 Funds; impact our    
ability to calculate Accumulation Unit values; cause the release and possible   
destruction of confidential Contract Owner or business information; or impede   
order processing or cause other operational issues. Although we continually     
make efforts to identify and reduce our exposure to cybersecurity risk, there   
is no guarantee that we will be able to successfully manage this risk at all    
times.                                                                          

MODIFICATION OF THE CONTRACTS                                                   

MetLife USA must make Annuity payments involving life contingencies at no less  
than the minimum guaranteed Annuity rates incorporated into the Contracts, even 
if actual mortality experience is different.                                    

MetLife USA is legally bound under the Contract to maintain these Annuity       
purchase rates. MetLife USA must also abide by the Contract's provisions        
concerning:                                                                     

..   death benefits                                                             

..   deductions from Purchase Payments                                          

..   deductions from Participant's Accounts for transaction charges             

..   deductions from the Separate Account for actuarial risk and administrative 
expense risk fees                                                       

..   guaranteed rates with respect to fixed benefits                            

MetLife USA and the Owner may change the Contract by mutual agreement at any    
time. No such change may affect any Participant's Account where the             
Participant's interest is nonforfeitable, without the written consent of that   
Participant. Changes must be made in writing. Any changes must comply with      
state laws where the Contract is delivered. MetLife USA may change such         
provisions without your consent to the extent permitted by the Contract, but    
only:                                                                           

..   with respect to any Purchase Payments received as a tax free transfer under
the Internal Revenue Code after the effective date of the change;       

..   with respect to benefits and values provided by Purchase Payments made     
after the effective date of the change to the extent that such          

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Purchase Payments in any Certificate Year exceed the first year's Purchase
Payments; or                                                              

..   to the extent necessary to conform the Contract to any Federal or state    
law, regulation or ruling.                                              

We will notify you of any Contract changes. If you have any questions about any 
of the provisions of your Contract, you may write or call:                      

MetLife Insurance Company USA                                                   
11225 North Community House Road,                                               
Charlotte, NC 28277                                                             
Phone: (800) 283-4536                                                           

[SIDE BAR: ACCUMULATION PERIOD]                                                 

CREDITING ACCUMULATION UNITS IN THE SEPARATE ACCOUNT                            

MetLife USA will credit Accumulation Units to a Series upon receipt of your     
Purchase Payment or transfer. MetLife USA determines the number of Accumulation 
Units to be credited to a Series by dividing the net amount allocated to a      
Series out of your Purchase Payment by the value of an Accumulation Unit in the 
Series next computed following receipt of the Purchase Payment or transfer.     

SEPARATE ACCOUNT ACCUMULATION UNIT CURRENT VALUES                               
[SIDE BAR: The Net Investment Factor is an index of the percentage change       
(adjusted for distributions by the Fund and the deduction of the mortality and  
expense risk and distribution expense charges) in the net asset value of the    
Fund in which a Series is invested, since the preceding Valuation Date. The net 
investment factor may be greater or less than 1 depending upon the Fund's       
investment performance.]                                                        

The current value of Accumulation Units of a particular Series depends upon the 
investment experience of the Fund in which the Series invests its assets and    
the deduction of the separate account charge as described below. Purchase       
Payments and transfer requests are credited to a Participant's Account on the   
basis of the Accumulation Unit value next determined after receipt of a         
Purchase Payment or transfer request. The value of Accumulation Units is        
determined each Business Day as of the close of trading on the New York Stock   
Exchange (currently 4:00 p.m. Eastern time). The value is calculated by         
multiplying the value of an Accumulation Unit in the Series on the immediately  
preceding Valuation Date by the net investment factor for the period since that 
day. The net investment factor is determined for any Business Day by dividing   
(i) the net asset value of a share of the Fund which is represented by such     
Series at the close of business on such day, plus the per share amount of any   
distributions made by such Fund on such day by (ii) the net asset value of a    
share of such Fund determined as of the close of business on the preceding      
Business Day and then subtracting from the result the daily factors for         
mortality and expense risks (.003699%) for each calendar day between the        
preceding Business Day and the end of the current Business Day. You bear the    
risk that the aggregate current value invested in the Series may at any time be 
less than, equal to or more than the amount that you originally allocated to    
the Series.                                                                     

SURRENDER FROM THE SEPARATE ACCOUNT                                             

You may surrender all or a portion of the cash value of your Participant's      
Account at any time prior to the Annuity Date. A surrender may result in        
adverse Federal income tax consequences to you including current                

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taxation on the distribution and a penalty tax on the early withdrawal and may  
be restricted by the plan or Federal tax law. These consequences are discussed  
in more detail under "Federal Tax Considerations." You should consult your tax  
adviser before making a withdrawal.                                             

The surrender value of your Participant's Account in the Separate Account prior 
to the Annuity Date is determined by multiplying the number of Accumulation     
Units for each Series credited to your Contract by the current value of an      
Accumulation Unit in the Series and subtracting any applicable surrender        
charges. MetLife USA will determine the value of the number of Accumulation     
Units withdrawn at the next computed Accumulation Unit value.                   

If you request a partial surrender from more than one Series you must specify   
the allocation of the partial surrender among the Series. You may not make a    
partial surrender if the surrender would cause your interest in any Series or   
the General Account to have an after surrender value of less than $200.         
However, if you are withdrawing the entire amount allocated to a Series these   
restrictions do not apply.                                                      

PAYMENT OF SURRENDER AMOUNT                                                     

Payment of any amount surrendered from a Series will be made to you within      
seven days of the date that MetLife USA receives your written request.          

MetLife USA may suspend surrenders when:                                        

..   The SEC restricts trading on the New York Stock Exchange or the Exchange is
closed for other than weekends or holidays.                             

..   The SEC permits the suspension of withdrawals.                             

..   The SEC determines that an emergency exists that makes disposal of         
portfolio securities or valuation of assets of the Funds not reasonably 
practicable.                                                            

We may withhold payment of surrender, withdrawal or 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             
communications 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.                

ACCOUNT STATEMENTS                                                              

You will receive a written account statement each calendar quarter in which a   
transaction occurs before the Annuity Date. Even if you do not engage in any    
transactions you will receive at least one written account statement per year.  
The statement shows:                                                            

..   all transactions for the period being reported                             

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..   the number of Accumulation Units that are credited to your Participant's   
Account in each Series                                                  

..   the current Accumulation Unit value for each Series                        

..   your Participant's Account as of the end of the reporting period           

MetLife USA is careful to ensure the accuracy of calculations and transfers to  
and within the Separate Account. However, errors may still occur. You should    
review your statements and confirmations of transactions carefully and promptly 
advise MetLife USA of any discrepancy. Allocations and transfers reflected in a 
statement will be considered final at the end of 60 days from the date of the   
statement.                                                                      

[SIDE BAR: ANNUITY BENEFITS]                                                    

VARIABLE ANNUITY PAYMENTS                                                       

The value of your Participant's Account in each Series may be applied to        
provide you with Variable Annuity payments. The dollar amount of the Variable   
Annuity payments that you receive will reflect the investment experience of the 
Series, but will not be affected by adverse mortality experience which may      
exceed the mortality risk charge established under the Contract.                

ASSUMED INVESTMENT RETURN                                                       

Unless you elect otherwise, the Assumed Investment Return is 4.25% per year. If 
the laws and regulations of your State allow, you may elect an Assumed          
Investment Return of 3.50%, 5% or 6%. The Assumed Investment Return does not    
bear any relationship to the actual net investment experience of the Series.    

Your choice of Assumed Investment Return affects the pattern of your Annuity    
payments. Your Annuity payments will vary from the Assumed Investment Return    
depending on whether the investment experience of the Series in which you have  
an interest is better or worse than the Assumed Investment Return. The higher   
your Assumed Investment Return, the higher your first Annuity payment will be.  
Your next payments will only increase in proportion to the amount by which the  
investment experience of your chosen Series exceeds the Assumed Investment      
Return and Separate Account charges. Likewise, your payments will decrease if   
the investment experience of your chosen Series is less than the Assumed        
Investment Return and Separate Account charges. A lower Assumed Investment      
Return will result in a lower initial Annuity payment, but subsequent Annuity   
payments will increase more rapidly or decline more slowly as changes occur in  
the investment experience of the Series. Conversely, a higher Assumed           
Investment Return would result in a higher initial payment than a lower Assumed 
Investment Return, but later payments will rise more slowly or fall more        
rapidly.                                                                        

[SIDE BAR: There are two people who are involved in payments under your         
Annuity: -  you - the Beneficiary]                                              

ELECTION OF ANNUITY DATE AND FORM OF ANNUITY                                    

You choose the Annuity Date and the form of Annuity payment.                    

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ELECTION OF ANNUITY DATE                                                        

If you do not choose an Annuity Date at least thirty-one days before            
Annuitization, your Normal Annuity Date automatically will be the later of:     

..   the month in which you attain age 75, or                                   

..   the date you are required to take a distribution under the terms of the    
Plan to which the Contract was issued.                                  

You may select an optional Annuity Date that is earlier than the Normal Annuity 
Date described above. This Annuity Date may be the first day of any month       
before the Normal Annuity Date.                                                 

Please note that Qualified Contracts may require a different Normal Annuity     
Date and may prohibit the selection of certain optional Annuity Dates.          

FORM OF ANNUITY                                                                 

Currently, MetLife USA provides you with five forms of Annuity payments. Each   
Annuity payment option, except Option 5, is available on both a Fixed Annuity   
payment and Variable Annuity payment basis. Option 5 is available on a Fixed    
Annuity payment basis only.                                                     

OPTION 1 -- LIFE ANNUITY                                                        

You receive Annuity payments monthly during your lifetime. These payments stop  
with the last payment due before your death. Because MetLife USA does not       
guarantee a minimum number of payments under this arrangement, this option      
offers the maximum level of monthly payments, involving a life contingency.     

OPTION 2 -- LIFE ANNUITY WITH 120, 180, OR 240 MONTHLY PAYMENTS CERTAIN         

You receive a guaranteed minimum number of monthly Annuity payments during your 
lifetime. In addition, MetLife USA guarantees that your Beneficiary will        
receive monthly payments for the remainder of the period certain, if you die    
during that period.                                                             

OPTION 3 -- INSTALLMENT REFUND LIFE ANNUITY                                     

An Annuity payable monthly during the lifetime of an individual. You receive a  
guaranteed minimum number of monthly payments which are equal to the amount of  
your Participant's Account allocated to this option divided by the first        
monthly payment. If you die before receiving the minimum number of payments,    
the remaining payments will be made to your Beneficiary.                        

OPTION 4 -- JOINT AND LAST SURVIVOR LIFE ANNUITY                                

You receive Annuity payments monthly during the lifetime of you and another     
payee (the joint payee) and payments are made during the lifetime of the        
survivor of the two of you. MetLife USA stops making payments with the last     
payment before the death of the last surviving payee. MetLife USA does not      
guarantee a minimum number of payments under this                               

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arrangement. For example, you or the other payee might receive only one Annuity 
payment if both of you die before the second Annuity payment. The election of   
this option is ineffective if either of you dies before Annuitization. In that  
case, the survivor becomes the sole payee, and MetLife USA does not pay death   
proceeds because of the death of the other payee.                               

OPTION 5 -- PAYMENTS FOR A DESIGNATED PERIOD (FIXED ANNUITY ONLY)               

MetLife USA makes Annuity payments monthly to you or to the Beneficiary at your 
death, for a selected number of years ranging from five to thirty. The amount   
of each payment will be based on an interest rate determined by MetLife USA     
that will not be less than an assumed rate of return of 3.50% per year. You may 
not commute Fixed Annuity payments to a lump sum under this option. If your     
Contract is a Qualified Contract, this option may not always satisfy minimum    
required distribution rules. Consult a tax advisor before electing this option. 

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

If you do not choose a form of Annuity payment, Option 2, a life annuity with a 
guaranteed minimum of 120 monthly payments, will automatically be applied under 
the Contract. You may make changes in the optional form of Annuity payment at   
any time until 31 days before the Annuity date.                                 

The first year's Annuity payment described in Options 1 - 4 is calculated on    
the basis of:                                                                   

..   the mortality table specified in the Contract                              

..   the age, and where permitted, the sex of the Annuitant                     

..   the type of Annuity payment option selected, and                           

..   the assumed investment return selected.                                    

Your Annuity payments will depend on your choices. For lifetime options, the    
age of the Annuitant will also be considered. For example, if you select an     
Annuity Option that guarantees payments for your lifetime and your spouse's     
lifetime, your payments will be lower than if you selected an Annuity Option    
with payments over only your lifetime. Annuity Options that guarantee that      
payments will be made for a certain number of years regardless of whether you   
are alive (such as a Life Annuity with 120, 180, or 240 Monthly Payments        
Certain and Installment Life Refund Annuity) result in payments smaller than    
with Annuity Options without such guarantee (such as Life Annuity and Joint and 
Last Survivor Life Annuity). In addition, to the extent the Annuity Option has  
a guarantee period, choosing a shorter guarantee period will result in each     
payment being larger.                                                           

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If you were issued a certificate before state law mandated unisex annuity rates 
(if applicable in your state) and that certificate had annuity rates that took  
the annuitant's sex into account, the annuity rates we use for that certificate 
will not be less than the guaranteed rates in the certificate when it was       
issued.                                                                         

The Fixed Annuity payments described in Option 5 are calculated on the basis of:

..   the number of years in the payment period, and                             

..   the interest rate guaranteed with respect to the option.                   

Fixed Annuities are funded through the General Account of MetLife USA.          

FREQUENCY OF PAYMENT                                                            

Your payments under all options will be made on a monthly basis unless you and  
MetLife USA have agreed to a different arrangement (choosing less frequent      
payments will result in each payment being larger).                             

Payments from each Series must be at least $50. If a payment from a Series will 
be less than $50, MetLife USA has the right to decrease the frequency of        
payments so that each payment from a Series will be at least $50.               

LEVEL PAYMENTS VARYING ANNUALLY                                                 

Your Variable Annuity payments are determined yearly rather than monthly. As a  
result, you will receive a uniform monthly Annuity payment for each Annuity     
year. The level of payments for each year is based on the investment            
performance of the Series up to the Valuation Date as of which the payments are 
determined for the year. As a result, the amounts of the Annuity payments will  
vary with the investment performance of the Series from year to year rather     
than from month to month. Your monthly Variable Annuity payments for the first  
year will be calculated on the last Valuation Date of the second calendar week  
before the Annuity date. The amount of your monthly Variable Annuity payments   
will be calculated using a formula described in the Contract. On each           
anniversary of the Annuity date, MetLife USA will determine the total monthly   
payments for the year then beginning. These payments will be determined by      
multiplying the number of Annuity units in each Series from which payments are  
to be made by the annuity unit value of that Series for the valuation period in 
which the first payment for that period is due.                                 

After calculating the amount due to you, MetLife USA transfers the amount of    
the year's Variable Annuity payments to a General Account at the beginning of   
the year. Although the amount in the Separate Account is credited to you and    
transferred to the General Account, you do not have any property rights in this 
amount. You do have a contractual right to receive your Annuity payments.       

The monthly Annuity payments for the year are made from the General Account     
with interest using the standard assumed investment return of 4.25% or the      
Assumed Investment Return that you selected. As a result,                       

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MetLife USA will experience profits or losses on the amounts placed in the      
General Account in providing level monthly payments to you during the year that 
meet the Assumed Investment Return that you selected. For example, if the net   
investment income and gains in the General Account are lower than the Assumed   
Investment Return selected, MetLife USA will experience a loss.                 

You will not benefit from any increases or be disadvantaged from any decreases  
in any Annuity Unit Values during the year because the Annuity payments for     
that year are set at the beginning of the year. These increases and decreases   
will be reflected in the calculation of Annuity payments for the following year.

ANNUITY UNIT VALUES                                                             

This is how MetLife USA calculates the Annuity Unit Value for each Series:      

..   First, MetLife USA determines the change in investment experience          
  (including any investment-related charge) for the underlying Fund from the
previous trading day to the current trading day.                        

..   Next, it subtracts the daily equivalent of your insurance-related charge   
   (general administrative expense and mortality and expense risk charges) for
each day since the last day the Annuity Unit Value was calculated.      

..   Then, it divides the result by the quantity of one plus the weekly         
equivalent of your Assumed Investment Return.                           

..   Finally, the previous Annuity Unit Value is multiplied by this result.     

[SIDE BAR: DEATH BENEFITS]                                                      

DEATH BEFORE THE ANNUITY DATE                                                   

If you die before the Annuity Date, your Beneficiary(ies) will receive a death  
benefit that is equal to the Participant's Account.                             

If you are younger than age 65 at the time of your death, your Beneficiary(ies) 
will be entitled to receive a lump sum settlement equal to the greater of:      

..   your Purchase Payments less partial withdrawals or amounts already applied 
to Annuity payments (including any applicable surrender charge); or     

..   your Participant's Account.                                                

Your Beneficiary(ies) receive the death benefit as either:                      

1) A lump sum that must be made within five (5) years of your death; or         

2) Annuity income under Annuity Income Options One, Two or Five described in    
Article 7 of the Contract.                                                

If your Beneficiary(ies) chooses one of the Annuity income options:             

..   Payments must begin within one year of your death (However, if your spouse 
is the sole designated beneficiary under a Qualified Contract,          

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your spouse may delay commencement of payments to the date that you would 
have reached 70 1/2.)                                                     

..   The guaranteed period under Option Two or the designated period under      
  Option Five may not be longer than the Beneficiary's life expectancy under
applicable tables specified by the Internal Revenue Service.            

..   The Participant's Account on the date of the first Annuity payment will be 
used to determine the amount of the death benefit.                      

The death benefit will be determined when MetLife USA receives both due proof   
of death and an election for the payment method. Note that if MetLife USA is    
notified of your death before any requested transaction is completed (including 
transactions under a dollar cost averaging or reallocation program), we will    
cancel the request.                                                             

If your spouse is your sole Beneficiary under an IRA, he or she may choose to   
succeed to your rights as Participant rather than to take the death benefit.    

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

All Contract provisions will be interpreted and administered in accordance with 
the requirements of the Internal Revenue Code.                                  

If you have more than one Beneficiary living at the time of your death, each    
will share the proceeds of the death benefit equally unless you elect otherwise.

If you outlive all of your Beneficiaries, the death benefit will be paid to     
your estate in a lump sum. No Beneficiary shall have the right to assign or     
transfer any future payments under the Options, except as provided in the       
election or by law.                                                             

You will also be considered to have outlived your Beneficiary(ies) in the       
following situations:                                                           

..   Your Beneficiary(ies) and you die at the same time.                        

..   Your Beneficiary(ies) dies within 15 days of your death and proof of your  
death is received by MetLife USA before the date due.                   

Proof of death includes a certified death certificate, or attending physician's 
statement, a decree of a court of competent jurisdiction as to the finding of   
death, or other documents that MetLife USA agrees to accept as proof of death.  

DEATH AFTER THE ANNUITY DATE                                                    

If the Annuitant dies on or after the Annuity Date, the amounts payable to the  
Beneficiary(ies) or other properly designated payees will consist of any        
continuing payments under the Annuity Payment option in effect. In this case,   
the Beneficiary will:                                                           

..   have all the remaining rights and powers under a Contract, and             

..   be subject to all the terms and conditions of the Contract.                

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If none of your Beneficiaries survive the Annuitant, the value of any remaining 
payments certain on the death of Annuitant, calculated on the basis of the      
assumed investment return that you previously chose, will be paid in a lump sum 
to the Annuitant's estate unless other provisions have been made and approved   
by MetLife USA. This value is calculated on the next day of payment following   
receipt of due proof of death.                                                  

Unless otherwise restricted, a Beneficiary receiving variable payments under    
Option Two or Three may elect at any time to receive the present value of the   
remaining number of Annuity payments certain in a lump sum payment after the    
death of an Annuitant. The present value of the remaining Annuity payments will 
be calculated on the basis of the assumed investment return previously          
selected. This lump sum payment election is not available to a Beneficiary      
receiving Fixed Annuity payments.                                               

ABANDONED PROPERTY REQUIREMENTS                                                 

Every state has unclaimed property laws which generally declare non-ERISA       
(Employee Retirement Income Security Act of 1974) annuity contracts to be       
abandoned after a period of inactivity of three to five years from the          
contract's maturity date (the last 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, 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 for this process.) However,  
the state is obligated to pay the death benefit (without interest) if your      
Beneficiary steps forward to claim it with the proper documentation. To prevent 
your Contract's proceeds from being paid to the state abandoned or unclaimed    
property office, it is important that you update your Beneficiary designations, 
including addresses, if and as they change. Please contact us to make such      
changes.                                                                        

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

You are responsible for determining whether your purchase of a Contract,        
withdrawals, income payments and any other transactions under your Contract     
satisfy applicable tax law. We are not responsible for determining if your      
employer's plan or arrangement satisfies the requirements of the Code and/or    
the Employee Retirement Income Security Act of 1974 ("ERISA").                  

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

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

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

QUALIFIED ANNUITY CONTRACTS                                                     

INTRODUCTION                                                                    

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

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

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

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

A Contract may also be available in connection with an employer's non-qualified 
deferred compensation plan and qualified governmental excess benefit            
arrangement to provide benefits to certain employees in the plan. The tax rules 
regarding these plans are complex. We do not provide tax advice. Please consult 
your tax adviser about your particular situation.                               

ACCUMULATION                                                                    

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

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

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

For income annuities established as "pay-outs" of SIMPLE IRAs, the Contract     
will only accept a single purchase payment consisting of a transfer or rollover 
from another SIMPLE IRA. For income annuities established in accordance with a  
distribution option under a retirement plan of an employer (e.g., 401(a),       
401(k), 403(a), 403(b) or 457(b) plan),                                         

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the Contract will only accept as its single purchase payment a transfer from    
such employer retirement plan.                                                  

TAXATION OF ANNUITY DISTRIBUTIONS                                               

If contributions are made on a "before tax" basis, You generally pay income     
taxes on the full amount of money You withdraw as well as income earned under   
the Contract. Withdrawals attributable to any after-tax contributions are your  
basis in the Contract and not subject to income tax (except for the portion of  
the withdrawal allocable to earnings). Under current Federal income tax rules,  
the taxable portion of distributions under annuity contracts and qualified      
plans (including IRAs) is not eligible for the reduced tax rate applicable to   
long-term capital gains and qualifying dividends.                               

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

WITHDRAWALS PRIOR TO AGE 59 1/2                                                 

A taxable withdrawal or distribution from a qualified plan which is subject to  
income tax may also be subject to a 10% Federal income tax penalty for "early"  
distribution if taken prior to age 59 1/2, unless an exception described below  
applies. The penalty rate is 25% for SIMPLE plan Contracts if the distribution  
occurs within the first 2 years of your participation in the plan.              

These exceptions include distributions made:                                    

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

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

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

In addition, a withdrawal or distribution from a qualified 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).           

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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.                                             

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) will avoid the penalty (1) if the distribution is  
to pay deductible medical expenses; (2) if the distribution is to pay IRS       
levies (and made after December 31, 1999); (3) if the distribution is used to   
pay for medical insurance (if You are unemployed), qualified higher education   
expenses, or for a qualified first time home purchase up to $10,000. Other      
exceptions may be applicable under certain circumstances and special rules may  
be applicable in connection with the exceptions enumerated above.               

ROLLOVERS                                                                       

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

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

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

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

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

(a) minimum distribution requirements, or                                   

(b) financial hardship.                                                     

20% WITHHOLDING ON ELIGIBLE ROLLOVER DISTRIBUTIONS                              

For certain qualified employer plans, we are required to withhold 20% of the    
taxable portion of your withdrawal that constitutes an "eligible rollover       
distribution" for Federal income taxes. The amount we withhold is determined by 
the Code. You may avoid withholding if You assign or transfer a withdrawal from 
this Contract directly into another qualified                                   

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plan or IRA. Similarly, You may be able to avoid withholding on a transfer into 
this Contract from an existing qualified plan You may have with another         
provider by arranging to have the transfer made directly to us. For taxable     
withdrawals that are not "eligible rollover distributions," the Code requires   
different withholding rules which determine the withholding amounts.            

DEATH BENEFITS                                                                  

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

Distributions required from a qualified annuity Contract following your death   
depend on whether You die before You had converted your Contract to an annuity  
form and started taking annuity payments (your Annuity Starting Date). If You   
die on or after your Annuity Starting Date, the remaining portion of the        
interest in the Contract must be distributed at least as rapidly as under the   
method of distribution being used as of the date of death. If You die before    
your Annuity Starting Date, the entire interest in the Contract must be         
distributed within five (5) years after the date of death, or as periodic       
payments over a period not extending beyond the life or life expectancy of the  
designated beneficiary (provided such payments begin within one year of your    
death). Your designated beneficiary is the person to whom benefit rights under  
the Contract pass by reason of death; the beneficiary must be a natural person  
in order to elect a periodic payment option based on life expectancy or a       
period exceeding five years.                                                    

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

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

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

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

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REQUIRED MINIMUM DISTRIBUTIONS                                                  

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

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

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

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

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

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

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

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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.            

ADDITIONAL INFORMATION REGARDING IRAS                                           

PURCHASE PAYMENTS                                                               

Traditional IRA purchase payments (except for permissible rollovers and direct  
transfers) are generally not permitted after you attain age 70 1/2.             

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Except for permissible rollovers and direct transfers, purchase payments        
for individuals are limited in the aggregate to the lesser of 100% of           
compensation or the deductible amount established each year under the Code. A   
purchase payment up to the deductible amount can also be made for a non-working 
spouse provided the couple's compensation is at least equal to their aggregate  
contributions. Individuals age 50 and older are permitted to make additional    
"catch-up" contributions if they have sufficient compensation. If you or your   
spouse are an active participant in a retirement plan of an employer, your      
deductible contributions may be limited. If you exceed purchase payment limits  
You may be subject to a tax penalty.                                            

WITHDRAWALS                                                                     

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

DISTINCTION FOR PUERTO RICO CODE                                                

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

CONTRIBUTIONS                                                                   

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

DISTRIBUTIONS                                                                   

Any amount received or made available to the employee under the qualified plan  
is includible in the gross income of the employee in the taxable year in which  
received or made available. In such case, the amount paid or contributed by the 
employer shall not constitute consideration paid by the employee for the        
Contract for purposes of determining the amount of annuity payments required to 
be included in the employee's gross income. Thus, amounts actually distributed  
or made available to any employee under the qualified plan will be included in  
their entirety in the employee's gross income. The value of accrued benefits in 
a qualified retirement plan with respect to which the special 8% tax under      
Puerto Rico Act No. 77-2014 was                                                 

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prepaid will be considered as part of the participant's tax basis in his        
retirement plan account. Thus, any distributions attributable to the benefits   
for which such taxes were prepaid will not be subject to income taxes when the  
same are subsequently received by the participant. However, the investment      
income and the appreciation in value, if any, accrued on the benefits with      
respect to which the special tax was prepaid, will be taxed as provided by the  
tax rules in effect at the time of distribution. Lump-sum proceeds from a       
Puerto Rico qualified retirement plan due to separation from service will       
generally be taxed at a 20% capital gain tax rate to be withheld at the source. 
A special rate of 10% may apply instead, if the plan satisfies the following    
requirements:                                                                   

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

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

If these two requirements are not satisfied, the distribution will generally be 
subject to the 20% tax rate. The three-year period includes the year of the     
distribution and the two immediately preceding years. In the case of a defined  
contribution plan that maintains separate accounts for each participant, the    
described 10% investment requirement may be satisfied in the accounts of a      
participant that chooses to invest in such fashion rather than at the trust     
level. Property located in Puerto Rico includes shares of stock of a Puerto     
Rico Registered Investment Company (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 and bank      
deposits. The PR 2011 Code does not impose a penalty tax in cases of early      
(premature) distributions from a qualified plan.                                

ROLLOVER                                                                        

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

ERISA CONSIDERATIONS                                                            

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

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treated as a distribution from the transferor plan for U.S. income tax purposes 
because a Puerto Rico retirement plan that has made an election under ERISA     
Section 1022(i)(2) is treated as a qualified retirement plan for purposes Code  
Section 401(a). The IRS has determined that the above described rules           
prescribing the inclusion in income of transfers of assets and liabilities to a 
Puerto Rico retirement plan trust described in ERISA Section 1022(i)(1) would   
be applicable to transfers taking effect after December 31, 2012.               

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

VOTING RIGHTS                                                                   

As the owner of the Separate Account, MetLife USA is the legal owner of the     
shares of the Funds. Based upon MetLife USA's current view of applicable law,   
we will vote shares of the Funds (which are deemed attributable to the          
Contracts) based on instructions received from those having voting interests    
under the Contract concerning Fund shares and who are entitled to vote on Fund  
proposals at all regular and special shareholders meetings. The persons who     
have voting interests under a particular plan may include the plan              
administrator or the Participant if voting is passed through to such            
individuals. Your plan administrator can provide you with information in this   
regard. MetLife USA will vote all shares of the underlying Funds as directed.   
MetLife USA will send to those with voting interests, at a last known address,  
all periodic reports, proxy materials and written requests for instructions on  
how to vote those shares. When MetLife USA receives these instructions, it will 
vote all of the shares in proportion to the instructions. If MetLife USA does   
not receive voting instructions, from a recipient, it will vote their interest  
in the same proportion as represented by the votes it has received. The effect  
of this proportional voting is that a small number of those with voting         
interests may control the outcome of a vote. If MetLife USA determines that it  
is permitted to vote the shares in its own right due to changes in the law or   
in the interpretation of the law it may do so.                                  

MetLife USA is under no duty to inquire into voting instructions or into the    
authority of the person issuing such instructions. All instructions will be     
valid unless MetLife USA has actual knowledge that they are not.                

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When Annuity payments begin, the Annuitant will have all voting rights in       
regard to Fund shares.                                                          

There are certain circumstances under which MetLife USA may disregard voting    
instructions. However, in this event, a summary of our action and the reasons   
for such action will appear in the next semiannual report.                      

The number of votes that each person having the right to vote receives is       
determined on a record date that is set no more than 90 days before the         
meeting. Voting instructions will be requested at least 10 days before the      
meeting. Only Owners or Annuitants on the record date may vote.                 

The number of shares to which you are entitled to vote is calculated by         
dividing the portion of your Participant's Account allocated to that Fund on    
the record date by the net asset value of a Fund share on the same date.        
LEGAL PROCEEDINGS                                                               

MetLife USA, like other life insurance companies, is involved on occasion in    
lawsuits, including class action lawsuits. In some class action and other       
lawsuits involving insurers, substantial damages have been sought and/or        
material settlement payments have been made. MetLife USA does not believe any   
such litigation or proceedings will have a material adverse effect upon the     
Separate Account or upon the ability of MetLife Investors Distribution Company  
to perform its contract with the Separate Account or of MetLife USA to meet its 
obligations under the contracts.                                                
ADDITIONAL INFORMATION                                                          

You may contact MetLife USA at the address and phone number listed on page 28   
for further information. A copy of the Statement of Additional Information,     
dated November 17, 2014, which provides more detailed information about the     
Contracts, may be obtained by completing and mailing the form on the following  
page. The table of contents for the Statement of Additional Information is      
provided below.                                                                 

A Registration Statement has been filed with the SEC under the Securities Act   
of 1933 for the Contracts offered by this Prospectus. This Prospectus does not  
contain all of the information in the Registration Statement. Please refer to   
this Registration Statement for further information about the Separate Account, 
MetLife USA and the Contracts. Any statements in this Prospectus about the      
contents of the Contracts and other legal instruments are only summaries.       
Please see the filed versions of these documents for a complete statement of    
any terms.                                                                      

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TABLE OF CONTENTS OF STATEMENT OF ADDITIONAL INFORMATION                        

The Insurance Company                                                   
Surrender Charges                                                       
Net Investment Factor                                                   
Annuity Payments                                                        
Basis of Variable Benefits                                        
Determination of Amount of Monthly Variable Annuity Payments for  
First Year                                                    
Determination of Amount of Monthly Variable Annuity Payments for  
Second and Subsequent Years                                   
Annuity Unit Value                                                
Underwriters, Distribution of the Contracts                             
Calculation of Performance                                              
Voting Rights                                                           
Safekeeping of Securities                                               
Servicing Agent                                                         
Independent Registered Public Accounting Firm                           
Additional Federal Tax Considerations                                   
Qualified Annuity Contracts                                       
Types of Qualified Contracts                                      
ERISA                                                             
Federal Estate Taxes                                              
Generation-Skipping Transfer Tax                                  
Annuity Purchase Payments by Nonresident Aliens and Foreign       
Corporations                                                  
Financial Statements                                                    

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       If you would like the Statement of Additional Information dated May
         1, 2015, for the annuity contract issued by MetLife Insurance Company
        USA, at no charge, please print and fill in all information and mail
to:                                                         

MetLife Insurance Company USA         
Attn: Variable Products               
11225 North Community House Road      
Charlotte, NC 28277                   

                                                                [Download Table]

---------------------------------------------
                                             
Name                                         

---------------------------------------------
Address                                      

---------------------------------------------
City              State       Zip Code       

BOOK-702 (11/14)         SAI-USAFLEXBONUS 14 

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION                                                 
PART 1                                                                          

The following table sets forth condensed financial information on Accumulation  
Units with respect to Contracts issued under this prospectus that are subject   
to a daily Separate Account deduction of 1.35%.                                 

                                                        [Enlarge/Download Table]

                                                            AUV AT    AUV AT   ACCUM UNITS
                                                           BEGINNING    END        END    
                                                           OF PERIOD OF PERIOD  OF PERIOD 
------------------------------------------------------------------------------------------
                                                                                          
ALGER SMALL CAP GROWTH PORTFOLIO - CLASS I-2                                              
   01/01/2004    to    12/31/2004                             6.10      7.01    7,517,869 
   01/01/2005    to    12/31/2005                             7.01      8.09    7,055,726 
   01/01/2006    to    12/31/2006                             8.09      9.57    6,743,520 
   01/01/2007    to    12/31/2007                             9.57     11.07    5,891,694 
   01/01/2008    to    12/31/2008                            11.07      5.83    5,755,192 
   01/01/2009    to    12/31/2009                             5.83      8.37    5,514,037 
   01/01/2010    to    12/31/2010                             8.37     10.35    5,077,642 
   01/01/2011    to    12/31/2011                            10.35      9.89    4,710,473 
   01/01/2012    to    12/31/2012                             9.89     10.98    4,352,356 
   01/01/2013    to    12/31/2013                            10.98     14.54    3,990,480 
   01/01/2014    to    12/31/2014                            14.54     14.41    3,625,507 
------------------------------------------------------------------------------------------
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION FUND - CLASS 2                                 
   01/01/2004    to    12/31/2004                            16.42     19.58      276,227 
   01/01/2005    to    12/31/2005                            19.58     24.22      455,056 
   01/01/2006    to    12/31/2006                            24.22     29.64      648,230 
   01/01/2007    to    12/31/2007                            29.64     35.51      664,762 
   01/01/2008    to    12/31/2008                            35.51     16.28      757,735 
   01/01/2009    to    12/31/2009                            16.28     25.91      793,690 
   01/01/2010    to    12/31/2010                            25.91     31.29      692,613 
   01/01/2011    to    12/31/2011                            31.29     24.96      608,210 
   01/01/2012    to    12/31/2012                            24.96     29.10      549,030 
   01/01/2013    to    12/31/2013                            29.10     36.83      497,651 
   01/01/2014    to    12/31/2014                            36.83     37.11      444,456 
------------------------------------------------------------------------------------------
AMERICAN FUNDS GROWTH FUND - CLASS 2                                                      
   01/01/2004    to    12/31/2004                           116.56    129.36      130,416 
   01/01/2005    to    12/31/2005                           129.36    148.30      194,602 
   01/01/2006    to    12/31/2006                           148.30    161.27      231,002 
   01/01/2007    to    12/31/2007                           161.27    178.74      199,191 
   01/01/2008    to    12/31/2008                           178.74     98.80      230,814 
   01/01/2009    to    12/31/2009                            98.80    135.89      225,889 
   01/01/2010    to    12/31/2010                           135.89    159.11      197,917 
   01/01/2011    to    12/31/2011                           159.11    150.27      169,705 
   01/01/2012    to    12/31/2012                           150.27    174.76      151,416 
   01/01/2013    to    12/31/2013                           174.76    224.32      137,400 
   01/01/2014    to    12/31/2014                           224.32    240.15      121,838 
------------------------------------------------------------------------------------------
AMERICAN FUNDS GROWTH-INCOME FUND - CLASS 2                                               
   01/01/2004    to    12/31/2004                            90.71     98.77      135,701 
   01/01/2005    to    12/31/2005                            98.77    103.14      190,268 
   01/01/2006    to    12/31/2006                           103.14    117.23      222,514 
------------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                          AUV AT    AUV AT   ACCUM UNITS
                                                         BEGINNING    END        END    
                                                         OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------
                                                                                        
AMERICAN FUNDS GROWTH-INCOME FUND - CLASS 2 (CONTINUED)                                 
   01/01/2007    to    12/31/2007                         117.23    121.48      212,107 
   01/01/2008    to    12/31/2008                         121.48     74.48      247,002 
   01/01/2009    to    12/31/2009                          74.48     96.44      255,289 
   01/01/2010    to    12/31/2010                          96.44    106.02      241,144 
   01/01/2011    to    12/31/2011                         106.02    102.69      226,239 
   01/01/2012    to    12/31/2012                         102.69    119.02      216,725 
   01/01/2013    to    12/31/2013                         119.02    156.76      208,850 
   01/01/2014    to    12/31/2014                         156.76    171.10      196,811 
----------------------------------------------------------------------------------------
DWS INTERNATIONAL VIP - CLASS A                                                         
   01/01/2004    to    12/31/2004                           6.79      7.81    3,014,614 
   01/01/2005    to    12/31/2005                           7.81      8.95    3,052,862 
   01/01/2006    to    12/31/2006                           8.95     11.12    3,136,467 
   01/01/2007    to    12/31/2007                          11.12     12.57    3,082,699 
   01/01/2008    to    12/31/2008                          12.57      6.42    2,789,082 
   01/01/2009    to    12/31/2009                           6.42      8.46    2,672,474 
   01/01/2010    to    12/31/2010                           8.46      8.48    2,447,082 
   01/01/2011    to    12/31/2011                           8.48      6.97    2,222,356 
   01/01/2012    to    12/31/2012                           6.97      8.30    2,020,827 
   01/01/2013    to    12/31/2013                           8.30      9.85    1,870,650 
   01/01/2014    to    12/31/2014                           9.85      8.57    1,716,481 
----------------------------------------------------------------------------------------
FIDELITY VIP ASSET MANAGER/SM/ - INITIAL CLASS                                          
   01/01/2004    to    12/31/2004                           9.50      9.88   10,211,365 
   01/01/2005    to    12/31/2005                           9.88     10.03    3,448,974 
   01/01/2006    to    12/31/2006                          10.03     10.74    8,387,396 
   01/01/2007    to    12/31/2007                          10.74     12.24    7,434,895 
   01/01/2008    to    12/31/2008                          12.24      8.60    6,755,499 
   01/01/2009    to    12/31/2009                           8.60     10.96    6,155,071 
   01/01/2010    to    12/31/2010                          10.96     12.36    5,419,609 
   01/01/2011    to    12/31/2011                          12.36     11.88    4,844,552 
   01/01/2012    to    12/31/2012                          11.88     13.18    4,319,513 
   01/01/2013    to    12/31/2013                          13.18     15.05    3,896,807 
   01/01/2014    to    12/31/2014                          15.05     15.71    3,599,721 
----------------------------------------------------------------------------------------
FIDELITY VIP CONTRAFUND(R) - INITIAL CLASS                                              
   01/01/2004    to    12/31/2004                          13.14     14.97   16,395,321 
   01/01/2005    to    12/31/2005                          14.97     17.27   16,339,678 
   01/01/2006    to    12/31/2006                          17.27     19.03   15,855,985 
   01/01/2007    to    12/31/2007                          19.03     22.08   13,255,971 
   01/01/2008    to    12/31/2008                          22.08     12.52   13,549,154 
   01/01/2009    to    12/31/2009                          12.52     16.76   12,583,716 
   01/01/2010    to    12/31/2010                          16.76     19.39   11,454,929 
----------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                         AUV AT    AUV AT   ACCUM UNITS
                                                        BEGINNING    END        END    
                                                        OF PERIOD OF PERIOD  OF PERIOD 
---------------------------------------------------------------------------------------
                                                                                       
FIDELITY VIP CONTRAFUND(R) - INITIAL CLASS (CONTINUED)                                 
   01/01/2011    to    12/31/2011                         19.39     18.64   10,240,819 
   01/01/2012    to    12/31/2012                         18.64     21.41    9,341,071 
   01/01/2013    to    12/31/2013                         21.41     27.74    8,490,723 
   01/01/2014    to    12/31/2014                         27.74     30.63    7,690,600 
---------------------------------------------------------------------------------------
FIDELITY VIP GROWTH - INITIAL CLASS                                                    
   01/01/2004    to    12/31/2004                         11.85     12.09   13,813,796 
   01/01/2005    to    12/31/2005                         12.09     12.62   12,332,033 
   01/01/2006    to    12/31/2006                         12.62     13.30   11,074,999 
   01/01/2007    to    12/31/2007                         13.30     16.66    9,779,300 
   01/01/2008    to    12/31/2008                         16.66      8.68    9,064,321 
   01/01/2009    to    12/31/2009                          8.68     10.99    8,488,348 
   01/01/2010    to    12/31/2010                         10.99     13.47    7,853,052 
   01/01/2011    to    12/31/2011                         13.47     13.31    7,170,100 
   01/01/2012    to    12/31/2012                         13.31     15.06    6,645,597 
   01/01/2013    to    12/31/2013                         15.06     20.26    6,024,227 
   01/01/2014    to    12/31/2014                         20.26     22.25    5,562,134 
---------------------------------------------------------------------------------------
FIDELITY VIP INDEX 500 - INITIAL CLASS                                                 
   01/01/2004    to    12/31/2004                         12.70     13.86   11,071,681 
   01/01/2005    to    12/31/2005                         13.86     14.34    9,187,813 
   01/01/2006    to    12/31/2006                         14.34     16.37    7,822,188 
   01/01/2007    to    12/31/2007                         16.37     17.03    6,793,561 
   01/01/2008    to    12/31/2008                         17.03     10.58    5,925,742 
   01/01/2009    to    12/31/2009                         10.58     13.22    5,187,366 
   01/01/2010    to    12/31/2010                         13.22     15.00    4,473,766 
   01/01/2011    to    12/31/2011                         15.00     15.10    3,900,585 
   01/01/2012    to    12/31/2012                         15.10     17.27    3,463,716 
   01/01/2013    to    12/31/2013                         17.27     22.53    3,034,899 
   01/01/2014    to    12/31/2014                         22.53     25.25    2,728,777 
---------------------------------------------------------------------------------------
FIDELITY VIP MONEY MARKET - INITIAL CLASS                                              
   01/01/2004    to    12/31/2004                          6.80      6.79    3,326,994 
   01/01/2005    to    12/31/2005                          6.79      6.91    3,562,276 
   01/01/2006    to    12/31/2006                          6.91      7.15    3,961,132 
   01/01/2007    to    12/31/2007                          7.15      7.41    4,202,396 
   01/01/2008    to    12/31/2008                          7.41      7.54    4,726,587 
   01/01/2009    to    12/31/2009                          7.54      7.49    4,304,049 
   01/01/2010    to    12/31/2010                          7.49      7.41    3,880,302 
   01/01/2011    to    12/31/2011                          7.41      7.31    3,604,218 
   01/01/2012    to    12/31/2012                          7.31      7.23    3,266,490 
---------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                      AUV AT    AUV AT   ACCUM UNITS
                                                                     BEGINNING    END        END    
                                                                     OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------------
                                                                                                    
FIDELITY VIP MONEY MARKET - INITIAL CLASS (CONTINUED)                                               
   01/01/2013    to    12/31/2013                                       7.23      7.13    3,074,432 
   01/01/2014    to    12/31/2014                                       7.13      7.04    2,775,755 
----------------------------------------------------------------------------------------------------
MIST - INVESCO SMALL CAP GROWTH - CLASS A                                                           
   01/01/2004    to    12/31/2004                                      11.67     12.29       33,497 
   01/01/2005    to    12/31/2005                                      12.29     13.17       50,996 
   01/01/2006    to    12/31/2006                                      13.17     14.80       34,662 
   01/01/2007    to    12/31/2007                                      14.80     16.27       33,616 
   01/01/2008    to    12/31/2008                                      16.27      9.85       35,689 
   01/01/2009    to    12/31/2009                                       9.85     13.05       38,931 
   01/01/2010    to    12/31/2010                                      13.05     16.28       38,951 
   01/01/2011    to    12/31/2011                                      16.28     15.92       49,265 
   01/01/2012    to    12/31/2012                                      15.92     18.62       37,289 
   01/01/2013    to    12/31/2013                                      18.62     25.81       43,008 
   01/01/2014    to    12/31/2014                                      25.81     27.55       41,911 
----------------------------------------------------------------------------------------------------
MIST - J.P. MORGAN QUALITY BOND - CLASS A                                                           
   01/01/2004    to    11/19/2004                                      12.00     12.35    1,429,559 
----------------------------------------------------------------------------------------------------
MIST - LORD ABBETT BOND DEBENTURE - CLASS A                                                         
   01/01/2004    to    12/31/2004                                      16.27     17.41       88,340 
   01/01/2005    to    12/31/2005                                      17.41     17.48      152,640 
   01/01/2006    to    12/31/2006                                      17.48     18.86      219,609 
   01/01/2007    to    12/31/2007                                      18.86     19.88      253,278 
   01/01/2008    to    12/31/2008                                      19.88     16.01      310,940 
   01/01/2009    to    12/31/2009                                      16.01     21.66      302,830 
   01/01/2010    to    12/31/2010                                      21.66     24.18      280,087 
   01/01/2011    to    12/31/2011                                      24.18     25.01      249,802 
   01/01/2012    to    12/31/2012                                      25.01     27.93      244,193 
   01/01/2013    to    12/31/2013                                      27.93     29.80      222,634 
   01/01/2014    to    12/31/2014                                      29.80     30.91      213,961 
----------------------------------------------------------------------------------------------------
MIST - METLIFE SMALL CAP VALUE PORTFOLIO - CLASS A (FORMERLY MIST -                                 
THIRD AVENUE SMALL CAP VALUE - CLASS A)                                                             
   01/01/2004    to    12/31/2004                                      11.52     14.41      188,702 
   01/01/2005    to    12/31/2005                                      14.41     16.46      365,598 
   01/01/2006    to    12/31/2006                                      16.46     18.42      501,550 
   01/01/2007    to    12/31/2007                                      18.42     17.66      416,807 
   01/01/2008    to    12/31/2008                                      17.66     12.25      517,443 
   01/01/2009    to    12/31/2009                                      12.25     15.33      480,776 
   01/01/2010    to    12/31/2010                                      15.33     18.17      410,887 
   01/01/2011    to    12/31/2011                                      18.17     16.37      357,960 
   01/01/2012    to    12/31/2012                                      16.37     19.10      315,401 
----------------------------------------------------------------------------------------------------

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                      AUV AT    AUV AT   ACCUM UNITS
                                                                     BEGINNING    END        END    
                                                                     OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------------
                                                                                                    
MIST - METLIFE SMALL CAP VALUE PORTFOLIO - CLASS A (FORMERLY MIST -                                 
THIRD AVENUE SMALL CAP VALUE - CLASS A) (CONTINUED)                                                 
   01/01/2013    to    12/31/2013                                      19.10     25.02      281,699 
   01/01/2014    to    12/31/2014                                      25.02     25.17      232,259 
----------------------------------------------------------------------------------------------------
MIST - MFS(R) RESEARCH INTERNATIONAL - CLASS A                                                      
   05/01/2004    to    12/31/2004                                       9.81     11.29       45,121 
   01/01/2005    to    12/31/2005                                      11.29     13.01      142,641 
   01/01/2006    to    12/31/2006                                      13.01     16.29      395,245 
   01/01/2007    to    12/31/2007                                      16.29     18.25      464,094 
   01/01/2008    to    12/31/2008                                      18.25     10.40      645,979 
   01/01/2009    to    12/31/2009                                      10.40     13.53      725,312 
   01/01/2010    to    12/31/2010                                      13.53     14.91      704,722 
   01/01/2011    to    12/31/2011                                      14.91     13.17      711,230 
   01/01/2012    to    12/31/2012                                      13.17     15.20      681,940 
   01/01/2013    to    12/31/2013                                      15.20     17.93      657,489 
   01/01/2014    to    12/31/2014                                      17.93     16.50      623,682 
----------------------------------------------------------------------------------------------------
MIST - MORGAN STANLEY MID CAP GROWTH - CLASS A                                                      
   05/03/2010    to    12/31/2010                                      13.51     15.71      255,187 
   01/01/2011    to    12/31/2011                                      15.71     14.47      233,241 
   01/01/2012    to    12/31/2012                                      14.47     15.64      215,418 
   01/01/2013    to    12/31/2013                                      15.64     21.49      193,355 
   01/01/2014    to    12/31/2014                                      21.49     21.47      173,270 
----------------------------------------------------------------------------------------------------
MIST - PIMCO TOTAL RETURN - CLASS A                                                                 
   01/01/2004    to    12/31/2004                                       7.93      8.23    3,171,069 
   01/01/2005    to    12/31/2005                                       8.23      8.32    3,554,555 
   01/01/2006    to    12/31/2006                                       8.32      8.60    3,609,330 
   01/01/2007    to    12/31/2007                                       8.60      9.15    3,107,389 
   01/01/2008    to    12/31/2008                                       9.15     13.51    4,213,750 
   01/01/2009    to    12/31/2009                                      13.51     10.61    4,201,202 
   01/01/2010    to    12/31/2010                                      10.61     11.35    4,279,742 
   01/01/2011    to    12/31/2011                                      11.35     11.58    3,918,425 
   01/01/2012    to    12/31/2012                                      11.58     12.52    3,749,817 
   01/01/2013    to    12/31/2013                                      12.52     12.14    3,285,635 
   01/01/2014    to    12/31/2014                                      12.14     12.52    2,919,823 
----------------------------------------------------------------------------------------------------
MIST - T.ROWE PRICE LARGE CAP VALUE - CLASS A (FORMERLY LORD ABBETT                                 
GROWTH AND INCOME - CLASS A)                                                                        
   01/01/2004    to    12/31/2004                                      22.62     25.20    7,300,584 
   01/01/2005    to    12/31/2005                                      25.20     27.13    1,881,625 
   01/01/2006    to    12/31/2006                                      27.13     31.59    1,682,218 
   01/01/2007    to    12/31/2007                                      31.59     30.80    5,816,218 
----------------------------------------------------------------------------------------------------

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                      AUV AT    AUV AT   ACCUM UNITS
                                                                     BEGINNING    END        END    
                                                                     OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------------
                                                                                                    
MIST - T.ROWE PRICE LARGE CAP VALUE - CLASS A (FORMERLY LORD ABBETT                                 
GROWTH AND INCOME - CLASS A) (CONTINUED)                                                            
   01/01/2008    to    12/31/2008                                      30.80     19.39    5,393,174 
   01/01/2009    to    12/31/2009                                      19.39     22.70    4,899,632 
   01/01/2010    to    12/31/2010                                      22.70     26.28    4,432,352 
   01/01/2011    to    12/31/2011                                      26.28     24.95    3,985,555 
   01/01/2012    to    12/31/2012                                      24.95     29.11    3,644,435 
   01/01/2013    to    12/31/2013                                      29.11     38.51    3,321,629 
   01/01/2014    to    12/31/2014                                      38.51     43.15    3,025,516 
----------------------------------------------------------------------------------------------------
MSF - BARCLAY'S AGGREGATE BOND INDEX - CLASS A (FORMERLY                                            
MSF - BARCLAYS CAPITAL AGGREGATE BOND INDEX - CLASS A)                                              
   01/01/2004    to    12/31/2004                                      12.76     13.10      174,272 
   01/01/2005    to    12/31/2005                                      13.10     13.19      283,812 
   01/01/2006    to    12/31/2006                                      13.19     13.55      334,785 
   01/01/2007    to    12/31/2007                                      13.55     14.29      366,229 
   01/01/2008    to    12/31/2008                                      14.29     14.94      503,693 
   01/01/2009    to    12/31/2009                                      14.94     15.50      528,637 
   01/01/2010    to    12/31/2010                                      15.50     16.22      515,107 
   01/01/2011    to    12/31/2011                                      16.22     17.20      482,591 
   01/01/2012    to    12/31/2012                                      17.20     17.63      480,941 
   01/01/2013    to    12/31/2013                                      17.63     16.99      420,029 
   01/01/2014    to    12/31/2014                                      16.99     17.74      419,324 
----------------------------------------------------------------------------------------------------
MSF - BLACKROCK BOND INCOME - CLASS A                                                               
   01/01/2004    to    12/31/2004                                      46.37     47.77       40,781 
   01/01/2005    to    12/31/2005                                      47.77     48.27       66,938 
   01/01/2006    to    12/31/2006                                      48.27     49.72       94,525 
   01/01/2007    to    12/31/2007                                      49.72     52.14       90,214 
   01/01/2008    to    12/31/2008                                      52.14     49.68      113,490 
   01/01/2009    to    12/31/2009                                      49.68     53.65      108,244 
   01/01/2010    to    12/31/2010                                      53.65     57.35       97,632 
   01/01/2011    to    12/31/2011                                      57.35     60.29       84,849 
   01/01/2012    to    12/31/2012                                      60.29     63.97       84,176 
   01/01/2013    to    12/31/2013                                      63.97     62.63       69,840 
   01/01/2014    to    12/31/2014                                      62.63     66.16       76,732 
----------------------------------------------------------------------------------------------------
MSF - BLACKROCK CAPITAL APPRECIATION - CLASS A (FORMERLY                                            
MSF - BLACKROCK LEGACY LARGE CAP GROWTH - CLASS A)                                                  
   01/01/2004    to    12/31/2004                                      24.33     26.12       11,340 
   01/01/2005    to    12/31/2005                                      26.12     27.57       15,645 
   01/01/2006    to    12/31/2006                                      27.57     28.33       18,436 
   01/01/2007    to    12/31/2007                                      28.33     33.18       25,875 
----------------------------------------------------------------------------------------------------

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                 AUV AT    AUV AT   ACCUM UNITS
                                                                BEGINNING    END        END    
                                                                OF PERIOD OF PERIOD  OF PERIOD 
-----------------------------------------------------------------------------------------------
                                                                                               
MSF - BLACKROCK CAPITAL APPRECIATION - CLASS A (FORMERLY                                       
MSF - BLACKROCK LEGACY LARGE CAP GROWTH - CLASS A) (CONTINUED)                                 
   01/01/2008    to    12/31/2008                                 33.18     20.78      47,717  
   01/01/2009    to    12/31/2009                                 20.78     28.05      48,908  
   01/01/2010    to    12/31/2010                                 28.05     33.15      38,917  
   01/01/2011    to    12/31/2011                                 33.15     29.78      34,481  
   01/01/2012    to    12/31/2012                                 29.78     33.60      32,933  
   01/01/2013    to    12/31/2013                                 33.60     44.50      33,708  
   01/01/2014    to    12/31/2014                                 44.50     47.81      33,666  
-----------------------------------------------------------------------------------------------
MSF - BLACKROCK LARGE CAP VALUE - CLASS A                                                      
   01/01/2004    to    12/31/2004                                 10.62     11.88      50,655  
   01/01/2005    to    12/31/2005                                 11.88     12.42      73,946  
   01/01/2006    to    12/31/2006                                 12.42     14.62     148,113  
   01/01/2007    to    12/31/2007                                 14.62     14.92     203,478  
   01/01/2008    to    12/31/2008                                 14.92      9.58     250,147  
   01/01/2009    to    12/31/2009                                  9.58     10.51     253,918  
   01/01/2010    to    12/31/2010                                 10.51     11.33     239,093  
   01/01/2011    to    12/31/2011                                 11.33     11.44     233,330  
   01/01/2012    to    12/31/2012                                 11.44     12.89     203,789  
   01/01/2013    to    12/31/2013                                 12.89     16.80     196,278  
   01/01/2014    to    12/31/2014                                 16.80     18.22     198,465  
-----------------------------------------------------------------------------------------------
MSF - FI MID CAP OPPORTUNITIES - CLASS A                                                       
   01/01/2004    to    04/30/2004                                 11.41     14.98      78,915  
-----------------------------------------------------------------------------------------------
MSF - FI MID CAP OPPORTUNITIES - CLASS A                                                       
   05/01/2004    to    12/31/2004                                 14.98     17.03     128,005  
   01/01/2005    to    12/31/2005                                 17.03     17.96     170,442  
   01/01/2006    to    12/31/2006                                 17.96     19.82     213,880  
   01/01/2007    to    12/31/2007                                 19.82     21.18     227,669  
   01/01/2008    to    12/31/2008                                 21.18      9.34     261,434  
   01/01/2009    to    12/31/2009                                  9.34     12.34     260,602  
   01/01/2010    to    12/31/2010                                 12.34     13.36           0  
-----------------------------------------------------------------------------------------------
MSF - MET/ARTISAN MID CAP VALUE - CLASS A                                                      
   01/01/2004    to    12/31/2004                                 31.46     34.12     356,061  
   01/01/2005    to    12/31/2005                                 34.12     37.02     572,755  
   01/01/2006    to    12/31/2006                                 37.02     41.08     646,340  
   01/01/2007    to    12/31/2007                                 41.08     37.75     516,563  
   01/01/2008    to    12/31/2008                                 37.75     20.11     499,127  
   01/01/2009    to    12/31/2009                                 20.11     28.09     478,574  
   01/01/2010    to    12/31/2010                                 28.09     31.88     434,802  
   01/01/2011    to    12/31/2011                                 31.88     33.58     393,641  
-----------------------------------------------------------------------------------------------

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                        AUV AT    AUV AT   ACCUM UNITS
                                                       BEGINNING    END        END    
                                                       OF PERIOD OF PERIOD  OF PERIOD 
--------------------------------------------------------------------------------------
                                                                                      
MSF - MET/ARTISAN MID CAP VALUE - CLASS A (CONTINUED)                                 
   01/01/2012    to    12/31/2012                        33.58     37.05      346,562 
   01/01/2013    to    12/31/2013                        37.05     50.03      338,125 
   01/01/2014    to    12/31/2014                        50.03     50.31      298,768 
--------------------------------------------------------------------------------------
MSF - METLIFE MID CAP STOCK INDEX - CLASS A                                           
   01/01/2004    to    12/31/2004                        11.57     13.24      339,222 
   01/01/2005    to    12/31/2005                        13.24     14.67      498,849 
   01/01/2006    to    12/31/2006                        14.67     15.93      699,124 
   01/01/2007    to    12/31/2007                        15.93     16.94      761,353 
   01/01/2008    to    12/31/2008                        16.94     10.67      933,376 
   01/01/2009    to    12/31/2009                        10.67     14.42    1,097,615 
   01/01/2010    to    12/31/2010                        14.42     17.97    1,152,810 
   01/01/2011    to    12/31/2011                        17.97     17.39    1,153,633 
   01/01/2012    to    12/31/2012                        17.39     20.17    1,178,450 
   01/01/2013    to    12/31/2013                        20.17     26.50    1,192,706 
   01/01/2014    to    12/31/2014                        26.50     28.63    1,156,150 
--------------------------------------------------------------------------------------
MSF - METLIFE STOCK INDEX - CLASS A                                                   
   01/01/2004    to    12/31/2004                        35.70     38.95    1,140,897 
   01/01/2005    to    12/31/2005                        38.95     40.22    1,265,214 
   01/01/2006    to    12/31/2006                        40.22     45.82    1,259,590 
   01/01/2007    to    12/31/2007                        45.82     47.57      675,856 
   01/01/2008    to    12/31/2008                        47.57     29.52    1,196,677 
   01/01/2009    to    12/31/2009                        29.52     36.76    1,181,819 
   01/01/2010    to    12/31/2010                        36.76     41.64    1,134,947 
   01/01/2011    to    12/31/2011                        41.64     41.84    1,058,394 
   01/01/2012    to    12/31/2012                        41.84     47.78    1,015,815 
   01/01/2013    to    12/31/2013                        47.78     62.24      977,832 
   01/01/2014    to    12/31/2014                        62.24     69.61      914,216 
--------------------------------------------------------------------------------------
MSF - MFS(R) TOTAL RETURN - CLASS A                                                   
   01/01/2004    to    12/31/2004                        38.75     42.53       92,767 
   01/01/2005    to    12/31/2005                        42.53     43.27      174,181 
   01/01/2006    to    12/31/2006                        43.27     47.90      202,242 
   01/01/2007    to    12/31/2007                        47.90     49.32      203,395 
   01/01/2008    to    12/31/2008                        49.32     37.88      242,106 
   01/01/2009    to    12/31/2009                        37.88     44.32      236,951 
   01/01/2010    to    12/31/2010                        44.32     48.14      202,835 
   01/01/2011    to    12/31/2011                        48.14     48.64      182,215 
   01/01/2012    to    12/31/2012                        48.64     53.54      167,290 
   01/01/2013    to    12/31/2013                        53.54     62.86      159,287 
   01/01/2014    to    12/31/2014                        62.86     67.37      146,167 
--------------------------------------------------------------------------------------

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                                           AUV AT    AUV AT   ACCUM UNITS
                                          BEGINNING    END        END    
                                          OF PERIOD OF PERIOD  OF PERIOD 
-------------------------------------------------------------------------
                                                                         
MSF - MFS(R) VALUE - CLASS A                                             
   01/01/2004    to    12/31/2004           12.12     13.32      329,589 
   01/01/2005    to    12/31/2005           13.32     12.96      414,847 
   01/01/2006    to    12/31/2006           12.96     15.10      413,600 
   01/01/2007    to    12/31/2007           15.10     14.33      387,453 
   01/01/2008    to    12/31/2008           14.33      9.41      432,253 
   01/01/2009    to    12/31/2009            9.41     11.21      477,350 
   01/01/2010    to    12/31/2010           11.21     12.33      469,533 
   01/01/2011    to    12/31/2011           12.33     12.27      475,614 
   01/01/2012    to    12/31/2012           12.27     14.12      468,500 
   01/01/2013    to    12/31/2013           14.12     18.90      462,130 
   01/01/2014    to    12/31/2014           18.90     20.67      442,820 
-------------------------------------------------------------------------
MSF - MSCI EAFE(R) INDEX - CLASS A                                       
   01/01/2004    to    12/31/2004            9.67     11.42      344,405 
   01/01/2005    to    12/31/2005           11.42     12.76      619,087 
   01/01/2006    to    12/31/2006           12.76     15.83      877,870 
   01/01/2007    to    12/31/2007           15.83     17.30      890,137 
   01/01/2008    to    12/31/2008           17.30      9.89    1,082,509 
   01/01/2009    to    12/31/2009            9.89     12.55    1,190,238 
   01/01/2010    to    12/31/2010           12.55     13.40    1,201,156 
   01/01/2011    to    12/31/2011           13.40     11.57    1,181,644 
   01/01/2012    to    12/31/2012           11.57     13.50    1,200,375 
   01/01/2013    to    12/31/2013           13.50     16.23    1,156,352 
   01/01/2014    to    12/31/2014           16.23     15.05    1,134,965 
-------------------------------------------------------------------------
MSF - NEUBERGER BERMAN GENESIS - CLASS A                                 
   01/01/2004    to    12/31/2004           16.11     18.33      494,108 
   01/01/2005    to    12/31/2005           18.33     18.84      591,411 
   01/01/2006    to    12/31/2006           18.84     21.69      604,495 
   01/01/2007    to    12/31/2007           21.69     20.66      547,498 
   01/01/2008    to    12/31/2008           20.66     12.56      578,098 
   01/01/2009    to    12/31/2009           12.56     14.02      595,779 
   01/01/2010    to    12/31/2010           14.02     16.81      568,716 
   01/01/2011    to    12/31/2011           16.81     17.55      552,249 
   01/01/2012    to    12/31/2012           17.55     19.05      520,656 
   01/01/2013    to    12/31/2013           19.05     26.03      497,783 
   01/01/2014    to    12/31/2014           26.03     25.69      459,734 
-------------------------------------------------------------------------
MSF - RUSSELL 2000(R) INDEX - CLASS A                                    
   01/01/2004    to    12/31/2004           13.61     15.82      320,592 
   01/01/2005    to    12/31/2005           15.82     16.31      384,939 
   01/01/2006    to    12/31/2006           16.31     18.98      385,268 
-------------------------------------------------------------------------

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                      AUV AT    AUV AT   ACCUM UNITS
                                                                     BEGINNING    END        END    
                                                                     OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------------
                                                                                                    
MSF - RUSSELL 2000(R) INDEX - CLASS A (CONTINUED)                                                   
   01/01/2007    to    12/31/2007                                      18.98     18.44     355,849  
   01/01/2008    to    12/31/2008                                      18.44     12.10     397,753  
   01/01/2009    to    12/31/2009                                      12.10     15.04     434,045  
   01/01/2010    to    12/31/2010                                      15.04     18.83     466,860  
   01/01/2011    to    12/31/2011                                      18.83     17.82     474,458  
   01/01/2012    to    12/31/2012                                      17.82     20.46     479,291  
   01/01/2013    to    12/31/2013                                      20.46     27.96     490,621  
   01/01/2014    to    12/31/2014                                      27.96     28.98     473,023  
----------------------------------------------------------------------------------------------------
MSF - T. ROWE PRICE LARGE CAP GROWTH - CLASS A (FORMERLY MIST - RCM                                 
TECHNOLOGY - CLASS A)                                                                               
   01/01/2004    to    12/31/2004                                       4.65      4.39     160,263  
   01/01/2005    to    12/31/2005                                       4.39      4.82     156,903  
   01/01/2006    to    12/31/2006                                       4.82      5.02     186,271  
   01/01/2007    to    12/31/2007                                       5.02      6.52     214,957  
   01/01/2008    to    12/31/2008                                       6.52      3.58     253,169  
   01/01/2009    to    12/31/2009                                       3.58      5.63     395,082  
   01/01/2010    to    12/31/2010                                       5.63      7.12     480,648  
   01/01/2011    to    12/31/2011                                       7.12      6.34     324,023  
   01/01/2012    to    12/31/2012                                       6.34      7.03     291,511  
   01/01/2013    to    12/31/2013                                       7.03      9.36     280,940  
   01/01/2014    to    12/31/2014                                       9.36     10.07     304,446  
----------------------------------------------------------------------------------------------------
MSF - T. ROWE PRICE SMALL CAP GROWTH - CLASS A                                                      
   05/01/2004    to    12/31/2004                                      10.00     13.43      17,487  
   01/01/2005    to    12/31/2005                                      13.43     14.71      42,583  
   01/01/2006    to    12/31/2006                                      14.71     15.08      43,758  
   01/01/2007    to    12/31/2007                                      15.08     16.34      45,674  
   01/01/2008    to    12/31/2008                                      16.34     10.28      60,781  
   01/01/2009    to    12/31/2009                                      10.28     14.10      96,481  
   01/01/2010    to    12/31/2010                                      14.10     18.77     115,650  
   01/01/2011    to    12/31/2011                                      18.77     18.84     134,679  
   01/01/2012    to    12/31/2012                                      18.84     21.60     124,345  
   01/01/2013    to    12/31/2013                                      21.60     30.80     146,538  
   01/01/2014    to    12/31/2014                                      30.80     32.49     132,846  
----------------------------------------------------------------------------------------------------
MSF - WMC CORE EQUITY OPPORTUNITIES - CLASS A (FORMERLY MSF - DAVIS                                 
VENTURE VALUE - CLASS A)                                                                            
   01/01/2004    to    12/31/2004                                      28.56     31.66      80,404  
   01/01/2005    to    12/31/2005                                      31.66     34.46     172,753  
   01/01/2006    to    12/31/2006                                      34.46     38.95     272,790  
   01/01/2007    to    12/31/2007                                      38.95     40.19     263,401  
----------------------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                      AUV AT    AUV AT   ACCUM UNITS
                                                                     BEGINNING    END        END    
                                                                     OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------------
                                                                                                    
MSF - WMC CORE EQUITY OPPORTUNITIES - CLASS A (FORMERLY MSF - DAVIS                                 
VENTURE VALUE - CLASS A) (CONTINUED)                                                                
   01/01/2008    to    12/31/2008                                      40.19     24.05     337,871  
   01/01/2009    to    12/31/2009                                      24.05     31.31     336,634  
   01/01/2010    to    12/31/2010                                      31.31     34.60     305,513  
   01/01/2011    to    12/31/2011                                      34.60     32.76     269,378  
   01/01/2012    to    12/31/2012                                      32.76     36.47     240,840  
   01/01/2013    to    12/31/2013                                      36.47     48.11     219,114  
   01/01/2014    to    12/31/2014                                      48.11     52.51     195,595  
----------------------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION                                                 
PART 2                                                                          

The following table sets forth condensed financial information on Accumulation  
Units with respect to Contracts issued under this prospectus that are subject   
to a daily Separate Account deduction of 1.25%.                                 

                                                        [Enlarge/Download Table]

                                                            AUV AT    AUV AT   ACCUM UNITS
                                                           BEGINNING    END        END    
                                                           OF PERIOD OF PERIOD  OF PERIOD 
------------------------------------------------------------------------------------------
                                                                                          
ALGER SMALL CAP GROWTH PORTFOLIO - CLASS I-2                                              
   01/01/2004    to    12/31/2004                             6.10      7.03     259,192  
   01/01/2005    to    12/31/2005                             7.03      8.11     251,411  
   01/01/2006    to    12/31/2006                             8.11      9.61     245,090  
   01/01/2007    to    12/31/2007                             9.61     11.13     242,115  
   01/01/2008    to    12/31/2008                            11.13      5.87     219,694  
   01/01/2009    to    12/31/2009                             5.87      8.43     206,871  
   01/01/2010    to    12/31/2010                             8.43     10.44     184,281  
   01/01/2011    to    12/31/2011                            10.44      9.98     175,667  
   01/01/2012    to    12/31/2012                             9.98     11.09     164,846  
   01/01/2013    to    12/31/2013                            11.09     14.70     145,728  
   01/01/2014    to    12/31/2014                            14.70     14.58     125,176  
------------------------------------------------------------------------------------------
AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION FUND - CLASS 2                                 
   01/01/2004    to    12/31/2004                            16.51     19.71       2,386  
   01/01/2005    to    12/31/2005                            19.71     24.41       9,692  
   01/01/2006    to    12/31/2006                            24.41     29.90       9,118  
   01/01/2007    to    12/31/2007                            29.90     35.85      17,949  
   01/01/2008    to    12/31/2008                            35.85     16.46      13,488  
   01/01/2009    to    12/31/2009                            16.46     26.21      15,756  
   01/01/2010    to    12/31/2010                            26.21     31.69      16,767  
   01/01/2011    to    12/31/2011                            31.69     25.31      17,323  
   01/01/2012    to    12/31/2012                            25.13     29.53      15,451  
   01/01/2013    to    12/31/2013                            29.53     37.41      14,973  
   01/01/2014    to    12/31/2014                            37.41     37.73      15,396  
------------------------------------------------------------------------------------------
AMERICAN FUNDS GROWTH FUND - CLASS 2                                                      
   01/01/2004    to    12/31/2004                           118.90    132.10       1,006  
   01/01/2005    to    12/31/2005                           132.10    151.58       1,410  
   01/01/2006    to    12/31/2006                           151.58    165.00       1,695  
   01/01/2007    to    12/31/2007                           165.00    183.06       2,562  
   01/01/2008    to    12/31/2008                           183.06    101.29       4,021  
   01/01/2009    to    12/31/2009                           101.29    139.45       4,630  
   01/01/2010    to    12/31/2010                           139.45    163.45       6,826  
   01/01/2011    to    12/31/2011                           163.45    154.52       6,901  
   01/01/2012    to    12/31/2012                           154.52    179.89       7,847  
   01/01/2013    to    12/31/2013                           179.89    231.13       7,928  
   01/01/2014    to    12/31/2014                           231.13    247.69       8,083  
------------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                                                 AUV AT    AUV AT   ACCUM UNITS
                                                BEGINNING    END        END    
                                                OF PERIOD OF PERIOD  OF PERIOD 
-------------------------------------------------------------------------------
                                                                               
AMERICAN FUNDS GROWTH-INCOME FUND - CLASS 2                                    
   01/01/2004    to    12/31/2004                 92.53    100.86       1,023  
   01/01/2005    to    12/31/2005                100.86    105.42       1,732  
   01/01/2006    to    12/31/2006                105.42    119.94       1,812  
   01/01/2007    to    12/31/2007                119.94    124.42       2,214  
   01/01/2008    to    12/31/2008                124.42     76.36       2,280  
   01/01/2009    to    12/31/2009                 76.36     98.97       2,527  
   01/01/2010    to    12/31/2010                 98.97    108.91       4,982  
   01/01/2011    to    12/31/2011                108.91    105.60       5,438  
   01/01/2012    to    12/31/2012                105.60    122.51       6,351  
   01/01/2013    to    12/31/2013                122.51    161.52       6,828  
   01/01/2014    to    12/31/2014                161.52    176.47       6,836  
-------------------------------------------------------------------------------
FIDELITY VIP ASSET MANAGER/SM/ - INITIAL CLASS                                 
   01/01/2004    to    12/31/2004                  9.51      9.90     158,905  
   01/01/2005    to    12/31/2005                  9.90     10.17     146,460  
   01/01/2006    to    12/31/2006                 10.17     10.78     133,906  
   01/01/2007    to    12/31/2007                 10.78     12.30     124,552  
   01/01/2008    to    12/31/2008                 12.30      8.66     106,448  
   01/01/2009    to    12/31/2009                  8.66     11.04      96,266  
   01/01/2010    to    12/31/2010                 11.04     12.46      81,009  
   01/01/2011    to    12/31/2011                 12.46     11.99      63,391  
   01/01/2012    to    12/31/2012                 11.99     13.32      62,354  
   01/01/2013    to    12/31/2013                 13.32     15.22      58,402  
   01/01/2014    to    12/31/2014                 15.22     15.90      53,221  
-------------------------------------------------------------------------------
FIDELITY VIP CONTRAFUND(R) - INITIAL CLASS                                     
   01/01/2004    to    12/31/2004                 13.15     15.00     255,642  
   01/01/2005    to    12/31/2005                 15.00     17.32     268,680  
   01/01/2006    to    12/31/2006                 17.32     19.11     269,007  
   01/01/2007    to    12/31/2007                 19.11     22.19     267,064  
   01/01/2008    to    12/31/2008                 22.19     12.60     252,530  
   01/01/2009    to    12/31/2009                 12.60     16.88     249,519  
   01/01/2010    to    12/31/2010                 16.88     19.55     243,566  
   01/01/2011    to    12/31/2011                 19.55     18.82     227,820  
   01/01/2012    to    12/31/2012                 18.82     21.63     220,796  
   01/01/2013    to    12/31/2013                 21.63     28.05     204,045  
   01/01/2014    to    12/31/2014                 28.05     31.01     198,328  
-------------------------------------------------------------------------------
FIDELITY VIP GROWTH - INITIAL CLASS                                            
   01/01/2004    to    12/31/2004                 11.87     12.12     247,756  
   01/01/2005    to    12/31/2005                 12.12     12.66     237,352  
   01/01/2006    to    12/31/2006                 12.66     13.36     233,148  
-------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                                                  AUV AT    AUV AT   ACCUM UNITS
                                                 BEGINNING    END        END    
                                                 OF PERIOD OF PERIOD  OF PERIOD 
--------------------------------------------------------------------------------
                                                                                
FIDELITY VIP GROWTH - INITIAL CLASS (CONTINUED)                                 
   01/01/2007    to    12/31/2007                  13.36     16.75     227,521  
   01/01/2008    to    12/31/2008                  16.75      8.74     207,815  
   01/01/2009    to    12/31/2009                   8.74     11.07     189,135  
   01/01/2010    to    12/31/2010                  11.07     13.58     179,245  
   01/01/2011    to    12/31/2011                  13.58     13.44     166,443  
   01/01/2012    to    12/31/2012                  13.44     15.22     160,847  
   01/01/2013    to    12/31/2013                  15.22     20.49     146,083  
   01/01/2014    to    12/31/2014                  20.49     22.52     136,627  
--------------------------------------------------------------------------------
FIDELITY VIP INDEX 500 - INITIAL CLASS                                          
   01/01/2004    to    12/31/2004                  12.72     13.89     236,274  
   01/01/2005    to    12/31/2005                  13.89     14.38     201,167  
   01/01/2006    to    12/31/2006                  14.38     16.44     172,591  
   01/01/2007    to    12/31/2007                  16.44     17.12     157,031  
   01/01/2008    to    12/31/2008                  17.12     10.65     129,789  
   01/01/2009    to    12/31/2009                  10.65     13.31     108,906  
   01/01/2010    to    12/31/2010                  13.31     15.12      87,733  
   01/01/2011    to    12/31/2011                  15.12     15.24      72,290  
   01/01/2012    to    12/31/2012                  15.24     17.45      65,057  
   01/01/2013    to    12/31/2013                  17.45     22.79      55,057  
   01/01/2014    to    12/31/2014                  22.79     25.56      48,213  
--------------------------------------------------------------------------------
FIDELITY VIP MONEY MARKET - INITIAL CLASS                                       
   01/01/2004    to    12/31/2004                   6.81      6.81     113,288  
   01/01/2005    to    12/31/2005                   6.81      6.93     132,557  
   01/01/2006    to    12/31/2006                   6.93      7.18     150,587  
   01/01/2007    to    12/31/2007                   7.18      7.45     154,082  
   01/01/2008    to    12/31/2008                   7.45      7.58     173,542  
   01/01/2009    to    12/31/2009                   7.58      7.54     136,663  
   01/01/2010    to    12/31/2010                   7.54      7.47     118,421  
   01/01/2011    to    12/31/2011                   7.47      7.38     139,733  
   01/01/2012    to    12/31/2012                   7.38      7.30     156,790  
   01/01/2013    to    12/31/2013                   7.30      7.21     126,865  
   01/01/2014    to    12/31/2014                   7.21      7.12     109,213  
--------------------------------------------------------------------------------
FIDELITY VIP OVERSEAS - INITIAL CLASS                                           
   01/01/2004    to    12/31/2004                   8.18      9.18     135,991  
   01/01/2005    to    12/31/2005                   9.18     10.79     143,552  
   01/01/2006    to    12/31/2006                  10.79     12.59     146,283  
   01/01/2007    to    12/31/2007                  12.59     14.58     142,084  
   01/01/2008    to    12/31/2008                  14.58      8.09     129,929  
   01/01/2009    to    12/31/2009                   8.09     10.11     127,780  
--------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                      AUV AT    AUV AT   ACCUM UNITS
                                                                     BEGINNING    END        END    
                                                                     OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------------
                                                                                                    
FIDELITY VIP OVERSEAS - INITIAL CLASS (CONTINUED)                                                   
   01/01/2010    to    12/31/2010                                      10.11     11.30     121,653  
   01/01/2011    to    12/31/2011                                      11.30      9.24     119,049  
   01/01/2012    to    12/31/2012                                       9.24     11.02     116,094  
   01/01/2013    to    12/31/2013                                      11.02     14.19     102,607  
   01/01/2014    to    12/31/2014                                      14.19     12.89      93,963  
----------------------------------------------------------------------------------------------------
MIST - INVESCO SMALL CAP GROWTH - CLASS A                                                           
   01/01/2004    to    12/31/2004                                      11.70     12.33       1,047  
   01/01/2005    to    12/31/2005                                      12.33     13.23       1,547  
   01/01/2006    to    12/31/2006                                      13.23     14.88       1,663  
   01/01/2007    to    12/31/2007                                      14.88     16.37       1,420  
   01/01/2008    to    12/31/2008                                      16.37      9.92       1,040  
   01/01/2009    to    12/31/2009                                       9.92     13.15       1,628  
   01/01/2010    to    12/31/2010                                      13.15     16.43       9,151  
   01/01/2011    to    12/31/2011                                      16.43     16.09       1,930  
   01/01/2012    to    12/31/2012                                      16.09     18.83       1,576  
   01/01/2013    to    12/31/2013                                      18.83     26.13       1,469  
   01/01/2014    to    12/31/2014                                      26.13     27.92       5,592  
----------------------------------------------------------------------------------------------------
MIST - J.P. MORGAN QUALITY BOND - CLASS A                                                           
   01/01/2004    to    11/19/2004                                      12.02     12.38      28,764  
----------------------------------------------------------------------------------------------------
MIST - LORD ABBETT BOND DEBENTURE - CLASS A                                                         
   01/01/2004    to    12/31/2004                                      16.40     17.56         763  
   01/01/2005    to    12/31/2005                                      17.56     17.65       3,592  
   01/01/2006    to    12/31/2006                                      17.65     19.07       8,493  
   01/01/2007    to    12/31/2007                                      19.07     20.12      13,384  
   01/01/2008    to    12/31/2008                                      20.12     16.21      21,351  
   01/01/2009    to    12/31/2009                                      16.21     21.95      18,927  
   01/01/2010    to    12/31/2010                                      21.95     24.54      20,182  
   01/01/2011    to    12/31/2011                                      24.54     25.40      19,862  
   01/01/2012    to    12/31/2012                                      25.40     28.40      17,282  
   01/01/2013    to    12/31/2013                                      28.40     30.33      16,171  
   01/01/2014    to    12/31/2014                                      30.33     31.49      18,860  
----------------------------------------------------------------------------------------------------
MIST - METLIFE SMALL CAP VALUE PORTFOLIO - CLASS A (FORMERLY MIST -                                 
THIRD AVENUE SMALL CAP VALUE - CLASS A)                                                             
   01/01/2004    to    12/31/2004                                      11.54     14.45       5,614  
   01/01/2005    to    12/31/2005                                      14.45     16.52       5,643  
   01/01/2006    to    12/31/2006                                      16.52     18.50       6,559  
   01/01/2007    to    12/31/2007                                      18.50     17.76       7,584  
   01/01/2008    to    12/31/2008                                      17.76     12.33       9,323  
----------------------------------------------------------------------------------------------------

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CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                       AUV AT    AUV AT   ACCUM UNITS
                                                                      BEGINNING    END        END    
                                                                      OF PERIOD OF PERIOD  OF PERIOD 
-----------------------------------------------------------------------------------------------------
                                                                                                     
MIST - METLIFE SMALL CAP VALUE PORTFOLIO - CLASS A (FORMERLY MIST -                                  
THIRD AVENUE SMALL CAP VALUE - CLASS A) (CONTINUED)                                                  
   01/01/2009    to    12/31/2009                                       12.33     15.44      11,362  
   01/01/2010    to    12/31/2010                                       15.44     18.33      11,533  
   01/01/2011    to    12/31/2011                                       18.33     16.52      12,268  
   01/01/2012    to    12/31/2012                                       16.52     19.30      11,321  
   01/01/2013    to    12/31/2013                                       19.30     25.32      11,470  
   01/01/2014    to    12/31/2014                                       25.32     25.49      10,828  
-----------------------------------------------------------------------------------------------------
MIST - MORGAN STANLEY MID CAP GROWTH - CLASS A                                                       
   05/03/2010    to    12/31/2010                                       13.69     15.93       3,624  
   01/01/2011    to    12/31/2011                                       15.93     14.68       2,979  
   01/01/2012    to    12/31/2012                                       14.68     15.89       2,750  
   01/01/2013    to    12/31/2013                                       15.89     21.85       2,974  
   01/01/2014    to    12/31/2014                                       21.85     21.86       2,743  
-----------------------------------------------------------------------------------------------------
MIST - PIMCO TOTAL RETURN - CLASS A                                                                  
   01/01/2004    to    12/31/2004                                       11.82     12.29      31,340  
   01/01/2005    to    12/31/2005                                       12.29     12.43      45,160  
   01/01/2006    to    12/31/2006                                       12.43     12.87      56,187  
   01/01/2007    to    12/31/2007                                       12.87     13.70      68,395  
   01/01/2008    to    12/31/2008                                       13.70     13.62      90,312  
   01/01/2009    to    12/31/2009                                       13.62     15.93      85,660  
   01/01/2010    to    12/31/2010                                       15.93     17.05      77,391  
   01/01/2011    to    12/31/2011                                       17.05     17.42      77,314  
   01/01/2012    to    12/31/2012                                       17.42     18.84      77,709  
   01/01/2013    to    12/31/2013                                       18.84     18.29      80,636  
   01/01/2014    to    12/31/2014                                       18.29     18.87      75,627  
-----------------------------------------------------------------------------------------------------
MIST - T. ROWE PRICE LARGE CAP VALUE - CLASS A (FORMERLY LORD ABBETT                                 
GROWTH AND INCOME - CLASS A)                                                                         
   01/01/2004    to    12/31/2004                                       22.65     25.26     194,533  
   01/01/2005    to    12/31/2005                                       25.26     25.86     191,536  
   01/01/2006    to    12/31/2006                                       25.86     30.14     192,777  
   01/01/2007    to    12/31/2007                                       30.14     30.96     186,701  
   01/01/2008    to    12/31/2008                                       30.96     19.51     168,557  
   01/01/2009    to    12/31/2009                                       19.51     22.87     161,255  
   01/01/2010    to    12/31/2010                                       22.87     26.49     146,046  
   01/01/2011    to    12/31/2011                                       26.49     25.18     136,440  
   01/01/2012    to    12/31/2012                                       25.18     29.41     129,457  
   01/01/2013    to    12/31/2013                                       29.41     38.95     118,445  
   01/01/2014    to    12/31/2014                                       38.95     43.68     117,815  
-----------------------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                AUV AT    AUV AT   ACCUM UNITS
                                                               BEGINNING    END        END    
                                                               OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------
                                                                                              
MSF - BARCLAYS AGGREGATE BOND INDEX - CLASS A (FORMERLY MSF -                                 
BARCLAY'S CAPITAL AGGREGATE BOND INDEX - CLASS A)                                             
   01/01/2004    to    12/31/2004                                12.82     13.18        774   
   01/01/2005    to    12/31/2005                                13.18     13.29      2,973   
   01/01/2006    to    12/31/2006                                13.29     13.66      4,638   
   01/01/2007    to    12/31/2007                                13.66     14.42      9,466   
   01/01/2008    to    12/31/2008                                14.42     15.09     11,875   
   01/01/2009    to    12/31/2009                                15.09     15.68     12,769   
   01/01/2010    to    12/31/2010                                15.68     16.42      9,887   
   01/01/2011    to    12/31/2011                                16.42     17.43     10,040   
   01/01/2012    to    12/31/2012                                17.43     17.88      9,719   
   01/01/2013    to    12/31/2013                                17.88     17.25      8,931   
   01/01/2014    to    12/31/2014                                17.25     18.03      9,444   
----------------------------------------------------------------------------------------------
MSF - BLACKROCK BOND INCOME - CLASS A                                                         
   01/01/2004    to    12/31/2004                                47.32     48.80        392   
   01/01/2005    to    12/31/2005                                48.80     49.36      1,470   
   01/01/2006    to    12/31/2006                                49.36     50.90      1,851   
   01/01/2007    to    12/31/2007                                50.90     53.43      3,336   
   01/01/2008    to    12/31/2008                                53.43     50.95      4.893   
   01/01/2009    to    12/31/2009                                50.95     55.09      4,876   
   01/01/2010    to    12/31/2010                                55.09     58.94      5,412   
   01/01/2011    to    12/31/2011                                58.94     62.03      5,672   
   01/01/2012    to    12/31/2012                                62.03     65.87      5,648   
   01/01/2013    to    12/31/2013                                65.87     64.56      4,302   
   01/01/2014    to    12/31/2014                                64.56     68.27      3,997   
----------------------------------------------------------------------------------------------
MSF - BLACKROCK CAPITAL APPRECIATION - CLASS A                                                
   01/01/2004    to    12/31/2004                                24.55     26.38        242   
   01/01/2005    to    12/31/2005                                26.38     27.88        381   
   01/01/2006    to    12/31/2006                                27.88     28.67        472   
   01/01/2007    to    12/31/2007                                28.67     33.62        636   
   01/01/2008    to    12/31/2008                                33.62     21.08        517   
   01/01/2009    to    12/31/2009                                21.08     28.47      1,222   
   01/01/2010    to    12/31/2010                                28.47     33.69      1,396   
   01/01/2011    to    12/31/2011                                33.69     30.30      1,519   
   01/01/2012    to    12/31/2012                                30.30     34.22      6,180   
   01/01/2013    to    12/31/2013                                34.22     45.36      5,993   
   01/01/2014    to    12/31/2014                                45.36     48.78      1,819   
----------------------------------------------------------------------------------------------
MSF - BLACKROCK LARGE CAP VALUE - CLASS A                                                     
   01/01/2004    to    12/31/2004                                10.64     11.91        469   
   01/01/2005    to    12/31/2005                                11.91     12.47      3,266   
----------------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                        AUV AT    AUV AT   ACCUM UNITS
                                                       BEGINNING    END        END    
                                                       OF PERIOD OF PERIOD  OF PERIOD 
--------------------------------------------------------------------------------------
                                                                                      
MSF - BLACKROCK LARGE CAP VALUE - CLASS A (CONTINUED)                                 
   01/01/2006    to    12/31/2006                        12.47     14.69      6,207   
   01/01/2007    to    12/31/2007                        14.69     15.00      6,142   
   01/01/2008    to    12/31/2008                        15.00      9.64      6,255   
   01/01/2009    to    12/31/2009                         9.64     10.59      9,688   
   01/01/2010    to    12/31/2010                        10.59     11.42     12,674   
   01/01/2011    to    12/31/2011                        11.42     11.55     16,966   
   01/01/2012    to    12/31/2012                        11.55     13.03     21,517   
   01/01/2013    to    12/31/2013                        13.03     17.00     22,893   
   01/01/2014    to    12/31/2014                        17.00     18.45     25,128   
--------------------------------------------------------------------------------------
MSF - FI MID CAP OPPORTUNITIES - CLASS A                                              
   01/01/2004    to    04/30/2004                        11.43     11.22      2,961   
   05/01/2004    to    12/31/2004                        11.22     11.33      1,739   
   01/01/2005    to    12/31/2005                        11.33     18.12      2,741   
   01/01/2006    to    12/31/2006                        18.12     20.02      2,921   
   01/01/2007    to    12/31/2007                        20.02     21.41      2,394   
   01/01/2008    to    12/31/2008                        21.41      9.46      2,761   
   01/01/2009    to    12/31/2009                         9.46     12.49      3,242   
   01/01/2010    to    12/31/2010                        12.49     13.54          0   
--------------------------------------------------------------------------------------
MSF - MET/ARTISAN MID CAP VALUE - CLASS A                                             
   01/01/2004    to    12/31/2004                        31.80     34.52      2,645   
   01/01/2005    to    12/31/2005                        34.52     37.50      3,962   
   01/01/2006    to    12/31/2006                        37.50     41.64      4,780   
   01/01/2007    to    12/31/2007                        41.64     38.31      5,146   
   01/01/2008    to    12/31/2008                        38.31     20.43      5,391   
   01/01/2009    to    12/31/2009                        20.43     28.56      6,512   
   01/01/2010    to    12/31/2010                        28.56     32.45      5,974   
   01/01/2011    to    12/31/2011                        32.45     34.21      5,922   
   01/01/2012    to    12/31/2012                        34.21     37.79      5,862   
   01/01/2013    to    12/31/2013                        37.79     51.08      4,798   
   01/01/2014    to    12/31/2014                        51.08     51.41      4,900   
--------------------------------------------------------------------------------------
MSF - METLIFE MID CAP STOCK INDEX - CLASS A                                           
   01/01/2004    to    12/31/2004                        11.61     13.30     24,560   
   01/01/2005    to    12/31/2005                        13.30     14.75     32,407   
   01/01/2006    to    12/31/2006                        14.75     16.04     38,302   
   01/01/2007    to    12/31/2007                        16.04     17.07     38,884   
   01/01/2008    to    12/31/2008                        17.07     10.76     43,316   
   01/01/2009    to    12/31/2009                        10.76     14.56     50,545   
   01/01/2010    to    12/31/2010                        14.56     18.15     53,129   
   01/01/2011    to    12/31/2011                        18.15     17.59     47,683   
--------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                          AUV AT    AUV AT   ACCUM UNITS
                                                         BEGINNING    END        END    
                                                         OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------
                                                                                        
MSF - METLIFE MID CAP STOCK INDEX - CLASS A (CONTINUED)                                 
   01/01/2012    to    12/31/2012                          17.59     20.43     53,824   
   01/01/2013    to    12/31/2013                          20.43     26.86     56,449   
   01/01/2014    to    12/31/2014                          26.86     29.04     59,072   
----------------------------------------------------------------------------------------
MSF - METLIFE STOCK INDEX - CLASS A                                                     
   01/01/2004    to    12/31/2004                          36.18     39.49      8,298   
   01/01/2005    to    12/31/2005                          39.49     40.81     12,176   
   01/01/2006    to    12/31/2006                          40.81     46.54     17,301   
   01/01/2007    to    12/31/2007                          46.54     48.37     22,249   
   01/01/2008    to    12/31/2008                          48.37     30.04     20,414   
   01/01/2009    to    12/31/2009                          30.04     37.45     22,938   
   01/01/2010    to    12/31/2010                          37.45     42.47     25,261   
   01/01/2011    to    12/31/2011                          42.47     42.72     18,793   
   01/01/2012    to    12/31/2012                          42.72     48.83     19,490   
   01/01/2013    to    12/31/2013                          48.83     63.66     17,605   
   01/01/2014    to    12/31/2014                          63.66     71.28     16,659   
----------------------------------------------------------------------------------------
MSF - MFS(R) TOTAL RETURN - CLASS A                                                     
   01/01/2004    to    12/31/2004                          39.40     43.29        565   
   01/01/2005    to    12/31/2005                          43.29     44.08      1,230   
   01/01/2006    to    12/31/2006                          44.08     48.85      2,191   
   01/01/2007    to    12/31/2007                          48.85     50.35      2,059   
   01/01/2008    to    12/31/2008                          50.35     38.71      2,414   
   01/01/2009    to    12/31/2009                          38.71     45.34      3,975   
   01/01/2010    to    12/31/2010                          45.34     49.29      4,177   
   01/01/2011    to    12/31/2011                          49.29     49.85      4,202   
   01/01/2012    to    12/31/2012                          49.85     54.94      4,003   
   01/01/2013    to    12/31/2013                          54.94     64.56      4,284   
   01/01/2014    to    12/31/2014                          64.56     69.26      4,226   
----------------------------------------------------------------------------------------
MSF - MFS(R) VALUE - CLASS A                                                            
   01/01/2004    to    12/31/2004                          12.18     13.40      3,479   
   01/01/2005    to    12/31/2005                          13.40     13.05      4,665   
   01/01/2006    to    12/31/2006                          13.05     15.23      6,328   
   01/01/2007    to    12/31/2007                          15.23     14.47      6,093   
   01/01/2008    to    12/31/2008                          14.47      9.50      5,068   
   01/01/2009    to    12/31/2009                           9.50     11.34      6,102   
   01/01/2010    to    12/31/2010                          11.34     12.48      9,119   
   01/01/2011    to    12/31/2011                          12.48     12.43     10,806   
   01/01/2012    to    12/31/2012                          12.43     14.32     12,523   
   01/01/2013    to    12/31/2013                          14.32     19.19     14,129   
   01/01/2014    to    12/31/2014                          19.19     21.00     15,100   
----------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                      AUV AT    AUV AT   ACCUM UNITS
                                                                     BEGINNING    END        END    
                                                                     OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------------
                                                                                                    
MSF - MSCI EAFE(R) INDEX - CLASS A                                                                  
   01/01/2004    to    12/31/2004                                       9.72     11.49      2,285   
   01/01/2005    to    12/31/2005                                      11.49     12.85     12,106   
   01/01/2006    to    12/31/2006                                      12.85     15.96     20,485   
   01/01/2007    to    12/31/2007                                      15.96     17.46     22,743   
   01/01/2008    to    12/31/2008                                      17.46      9.99     29,217   
   01/01/2009    to    12/31/2009                                       9.99     12.69     37,041   
   01/01/2010    to    12/31/2010                                      12.69     13.56     55,099   
   01/01/2011    to    12/31/2011                                      13.56     11.72     63,230   
   01/01/2012    to    12/31/2012                                      11.72     13.69     63,476   
   01/01/2013    to    12/31/2013                                      13.69     16.48     65,950   
   01/01/2014    to    12/31/2014                                      16.48     15.30     70,496   
----------------------------------------------------------------------------------------------------
MSF - NEUBERGER BERMAN GENESIS - CLASS A                                                            
   01/01/2004    to    12/31/2004                                      16.16     18.41      2,727   
   01/01/2005    to    12/31/2005                                      18.41     18.94      5,286   
   01/01/2006    to    12/31/2006                                      18.94     21.83      6,817   
   01/01/2007    to    12/31/2007                                      21.83     20.82      8,606   
   01/01/2008    to    12/31/2008                                      20.82     12.66      7,441   
   01/01/2009    to    12/31/2009                                      12.66     14.15      8,115   
   01/01/2010    to    12/31/2010                                      14.15     16.99      7,925   
   01/01/2011    to    12/31/2011                                      16.99     17.75      9,973   
   01/01/2012    to    12/31/2012                                      17.75     19.29      8,857   
   01/01/2013    to    12/31/2013                                      19.29     26.39      7,627   
   01/01/2014    to    12/31/2014                                      26.39     26.06      7,296   
----------------------------------------------------------------------------------------------------
MSF - RUSSELL 2000(R) INDEX - CLASS A                                                               
   01/01/2004    to    12/31/2004                                      13.68     15.91      8,102   
   01/01/2005    to    12/31/2005                                      15.91     16.43      6,070   
   01/01/2006    to    12/31/2006                                      16.43     19.14      9,284   
   01/01/2007    to    12/31/2007                                      19.14     18.61     10,116   
   01/01/2008    to    12/31/2008                                      18.61     12.22     11,755   
   01/01/2009    to    12/31/2009                                      12.22     15.21     13,195   
   01/01/2010    to    12/31/2010                                      15.21     19.06     15,140   
   01/01/2011    to    12/31/2011                                      19.06     18.06     15,113   
   01/01/2012    to    12/31/2012                                      18.06     20.75     17,427   
   01/01/2013    to    12/31/2013                                      20.75     28.39     18,780   
   01/01/2014    to    12/31/2014                                      28.39     29.45     18,870   
----------------------------------------------------------------------------------------------------
MSF - T. ROWE PRICE LARGE CAP GROWTH - CLASS A (FORMERLY MIST - RCM                                 
TECHNOLOGY - CLASS A)                                                                               
   01/01/2004    to    12/31/2004                                       4.66      4.40        801   
   01/01/2005    to    12/31/2005                                       4.40      4.84      1,495   
----------------------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                        [Enlarge/Download Table]

                                                                      AUV AT    AUV AT   ACCUM UNITS
                                                                     BEGINNING    END        END    
                                                                     OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------------------------------
                                                                                                    
MSF - T. ROWE PRICE LARGE CAP GROWTH - CLASS A (FORMERLY MIST - RCM                                 
TECHNOLOGY - CLASS A) (CONTINUED)                                                                   
   01/01/2006    to    12/31/2006                                       4.84      5.05      1,906   
   01/01/2007    to    12/31/2007                                       5.05      6.56      3,662   
   01/01/2008    to    12/31/2008                                       6.56      3.61      4,044   
   01/01/2009    to    12/31/2009                                       3.61      5.68      7,372   
   01/01/2010    to    12/31/2010                                       5.68      7.19     10,981   
   01/01/2011    to    12/31/2011                                       7.19      6.41     12,061   
   01/01/2012    to    12/31/2012                                       6.41      7.11     13,211   
   01/01/2013    to    12/31/2013                                       7.11     23.27         --   
   01/01/2014    to    12/31/2014                                      23.27     25.07         --   
----------------------------------------------------------------------------------------------------
MSF - T. ROWE PRICE SMALL CAP GROWTH - CLASS A                                                      
   05/01/2004    to    12/31/2004                                      12.82     13.53          0   
   01/01/2005    to    12/31/2005                                      13.53     14.84          0   
   01/01/2006    to    12/31/2006                                      14.84     15.22          0   
   01/01/2007    to    12/31/2007                                      15.22     18.44      5,760   
   01/01/2008    to    12/31/2008                                      18.44     10.41      7,538   
   01/01/2009    to    12/31/2009                                      10.41     16.06      8,272   
   01/01/2010    to    12/31/2010                                      16.06     21.48     15,126   
   01/01/2011    to    12/31/2011                                      21.48     21.67     18,409   
   01/01/2012    to    12/31/2012                                      21.67     24.95     17,593   
   01/01/2013    to    12/31/2013                                      24.95     35.74     17,787   
   01/01/2014    to    12/31/2014                                      35.74     37.87     17,646   
----------------------------------------------------------------------------------------------------
MSF - WMC CORE EQUITY OPPORTUNITIES - CLASS A (FORMERLY MSF - DAVIS                                 
VENTURE VALUE - CLASS A)                                                                            
   01/01/2004    to    12/31/2004                                      28.82     31.99        603   
   01/01/2005    to    12/31/2005                                      31.99     34.84      2,334   
   01/01/2006    to    12/31/2006                                      34.84     39.43      4,098   
   01/01/2007    to    12/31/2007                                      39.43     40.72      4,597   
   01/01/2008    to    12/31/2008                                      40.72     24.39      5,728   
   01/01/2009    to    12/31/2009                                      24.39     31.79      5,649   
   01/01/2010    to    12/31/2010                                      31.79     35.16     11,679   
   01/01/2011    to    12/31/2011                                      35.16     33.33     12,367   
   01/01/2012    to    12/31/2012                                      33.33     37.14     12,728   
   01/01/2013    to    12/31/2013                                      37.14     49.04     12,898   
   01/01/2014    to    12/31/2014                                      49.04     53.58     13,306   
----------------------------------------------------------------------------------------------------
T. ROWE PRICE GROWTH STOCK FUND                                                                     
   01/01/2004    to    12/31/2004                                      62.15     67.90     30,524   
   01/01/2005    to    12/31/2005                                      67.90     71.72     29,722   
   01/01/2006    to    12/31/2006                                      71.72     81.07     28,898   
----------------------------------------------------------------------------------------------------

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APPENDIX A                                                                      
CONDENSED FINANCIAL INFORMATION (CONTINUED)                                     

                                                                [Download Table]

                                              AUV AT    AUV AT   ACCUM UNITS
                                             BEGINNING    END        END    
                                             OF PERIOD OF PERIOD  OF PERIOD 
----------------------------------------------------------------------------
                                                                            
T. ROWE PRICE GROWTH STOCK FUND (CONTINUED)                                 
   01/01/2007    to    12/31/2007              81.07     88.67     28,721   
   01/01/2008    to    12/31/2008              88.67     50.75     24,876   
   01/01/2009    to    12/31/2009              50.75     72.05     24,043   
   01/01/2010    to    12/31/2010              72.05     83.50     85,875   
   01/01/2011    to    12/31/2011              83.50     81.96     73,401   
   01/01/2012    to    12/31/2012              81.96     96.60     66,302   
   01/01/2013    to    12/31/2013              96.60    133.27     62,571   
   01/01/2014    to    12/31/2014             133.27    143.75     52,254   
----------------------------------------------------------------------------

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APPENDIX B                                                                      
PARTICIPATING INVESTMENT PORTFOLIOS                                             

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

THE ALGER PORTFOLIOS (CLASS I-2)                                                

The Alger Portfolios is a mutual fund with multiple portfolios, one of which is 
offered under the Contract. Fred Alger Management, Inc. is the investment       
adviser to each of the portfolios. The following Class I-2 portfolio is         
available under the Contract:                                                   

Alger Small Cap Growth Portfolio                                                
Investment Objective: Seeks long-term capital appreciation.                   

AMERICAN FUNDS INSURANCE SERIES(R) (CLASS 2)                                    

American Funds Insurance Series(R) is a mutual fund with multiple funds, three  
of which are offered under the contract. Capital Research and Management        
Company is the investment adviser to each fund. The following Class 2 funds are 
available under the Contract:                                                   

American Funds Global Small Capitalization Fund                                 
Investment Objective: Seeks long-term growth of capital.                      

American Funds Growth Fund                                                      
Investment Objective: Seeks growth of capital.                                

American Funds Growth-Income Fund                                               
Investment Objective: Seeks long-term growth of capital and income.           

DEUTSCHE VARIABLE SERIES I (CLASS A)                                            

Deutsche Variable Series I is a mutual fund with multiple series, one of which  
is offered under the Contract. Deutsche Investment Management Americas Inc. is  
the investment adviser to each series. The following Class A series is          
available under the Contract:                                                   

Deutsche CROCI(R) International VIP                                             

Investment Objective: Seeks long-term growth of capital.                      

FIDELITY(R) VARIABLE INSURANCE PRODUCTS (INITIAL CLASS)                         

Fidelity Variable Insurance Products is a mutual fund with multiple portfolios, 
five of which are offered under the contract. Fidelity Management & Research    
Company is the investment adviser to each of the portfolios. The following      
Initial Class portfolios are available under the Contract:                      

Asset Manager Portfolio                                                         

Subadvisers: FMR Co., Inc.; Fidelity Investments Money Management, Inc.       
Investment Objective: Seeks to obtain high total return with reduced risk over
the long-term by allocating its assets among stocks, bonds, and short-term
instruments.                                                              

Contrafund(R) Portfolio                                                         
Subadviser: FMR Co., Inc.                                                     
Investment Objective: Seeks long-term capital appreciation.                   

Growth Portfolio                                                                
Subadviser: FMR Co., Inc.                                                     
Investment Objective: Seeks to achieve capital appreciation.                  

Money Market Portfolio                                                          
Subadviser: Fidelity Investments Money Management, Inc.                       
Investment Objective: Seeks as high a level of current income as is consistent
with preservation of capital and liquidity.                               

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Overseas Portfolio                                                              

Subadviser: FMR Co., Inc.                                                     
Investment Objective: Seeks long-term growth of capital.                      

MET INVESTORS SERIES TRUST (CLASS A)                                            

Met Investors Series Trust is a mutual fund with multiple portfolios. MetLife   
Advisers, LLC, an affiliate of MetLife Investors USA, is the investment manager 
of Met Investors Series Trust. MetLife Advisers, LLC has engaged subadvisers to 
provide investment advice for the individual portfolios. The following Class A  
portfolios are available under the Contract:                                    

Invesco Small Cap Growth Portfolio                                              
Subadviser: Invesco Advisers, Inc.                                            
Investment Objective: Seeks long-term growth of capital.                      

Lord Abbett Bond Debenture Portfolio                                            
Subadviser: Lord, Abbett & Co. LLC                                            
Investment Objective: Seeks high current income and the opportunity for       
capital appreciation to produce a high total return.                      

MetLife Small Cap Value Portfolio                                               
Subadvisers: Delaware Investments Fund Advisers; Wells Capital Management     
Incorporated                                                              
Investment Objective: Seeks long-term capital appreciation.                   

MFS(R) Research International Portfolio                                         
Subadviser: Massachusetts Financial Services Company                          
Investment Objective: Seeks capital appreciation.                             

Morgan Stanley Mid Cap Growth Portfolio                                         
Subadviser: Morgan Stanley Investment Management Inc.                         
Investment Objective: Seeks capital appreciation.                             

PIMCO Total Return Portfolio                                                    
Subadviser: Pacific Investment Management Company LLC                         
Investment Objective: Seeks maximum total return, consistent with the         
preservation of capital and prudent investment management.                

T. Rowe Price Large Cap Value Portfolio                                         
Subadviser: T. Rowe Price Associates, Inc.                                    
Investment Objective: Seeks long-term capital appreciation by investing in    
common stocks believed to be undervalued. Income is a secondary objective.

METROPOLITAN SERIES FUND (CLASS A)                                              

Metropolitan Series Fund is a mutual fund with multiple portfolios. MetLife     
Advisers, LLC is the investment adviser for all of the portfolios. MetLife      
Advisers, LLC has engaged subadvisers to provide investment advice for the      
individual portfolios. The following Class A portfolios are available under the 
Contract:                                                                       

Barclays Aggregate Bond Index Portfolio                                         
Subadviser: MetLife Investment Management, LLC                                
Investment Objective: Seeks to track the performance of the Barclays U.S.     
Aggregate Bond Index.                                                     

BlackRock Bond Income Portfolio                                                 
Subadviser: BlackRock Advisors, LLC                                           
Investment Objective: Seeks a competitive total return primarily from         
investing in fixed-income securities.                                     

BlackRock Capital Appreciation Portfolio                                        
Subadviser: BlackRock Advisors, LLC                                           
Investment Objective: Seeks long-term growth of capital.                      

BlackRock Large Cap Value Portfolio                                             
Subadviser: BlackRock Advisors, LLC                                           
Investment Objective: Seeks long-term growth of capital.                      

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Met/Artisan Mid Cap Value Portfolio                                             
Subadviser: Artisan Partners Limited Partnership                              
Investment Objective: Seeks long-term capital growth.                         

MetLife Mid Cap Stock Index Portfolio                                           
Subadviser: MetLife Investment Management, LLC/ /                             
Investment Objective: Seeks to track the performance of the Standard & Poor's 
MidCap 400(R) Composite Stock Price Index.                                

MetLife Stock Index Portfolio                                                   
Subadviser: MetLife Investment Management, LLC/ /                             
Investment Objective: Seeks to track the performance of the Standard & Poor's 
500(R) Composite Stock Price Index.                                       

MFS(R) Total Return Portfolio                                                   
Subadviser: Massachusetts Financial Services Company                          
Investment Objective: Seeks a favorable total return through investment in a  
diversified portfolio.                                                    

MFS(R) Value Portfolio                                                          
Subadviser: Massachusetts Financial Services Company                          
Investment Objective: Seeks capital appreciation.                             

MSCI EAFE(R) Index Portfolio                                                    
Subadviser: MetLife Investment Management, LLC/ /                             
 Investment Objective: Seeks to track the performance of the MSCI EAFE(R) Index.

Neuberger Berman Genesis Portfolio                                              
Subadviser: Neuberger Berman Management LLC                                   
Investment Objective: Seeks high total return, consisting principally of      
capital appreciation.                                                     

Russell 2000(R) Index Portfolio                                                 
Subadviser: MetLife Investment Management, LLC/ /                             
Investment Objective: Seeks to track the performance of the Russell 2000(R)   
Index.                                                                    

T. Rowe Price Large Cap Growth Portfolio                                        
Subadviser: T. Rowe Price Associates, Inc.                                    
Investment Objective: Seeks long-term growth of capital.                      

T. Rowe Price Small Cap Growth Portfolio                                        
Subadviser: T. Rowe Price Associates, Inc.                                    
Investment Objective: Seeks long-term capital growth.                         

WMC Core Equity Opportunities Portfolio                                         

Subadviser: Wellington Management Company LLP                                 
Investment Objective: Seeks to provide a growing stream of income over time   
and, secondarily, long-term capital appreciation and current income.      

T. ROWE PRICE GROWTH STOCK FUND, INC.                                           

The T. Rowe Price Growth Stock Fund, Inc. is a mutual fund. T. Rowe Price     
Associates, Inc. is the investment adviser for the fund.                  
Investment Objective: Seeks long-term capital growth through investments in   
stock.                                                                    

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APPENDIX C                                                                      
ADDITIONAL INFORMATION REGARDING THE PORTFOLIOS                                 

The Fund below was subject to a name change. The chart identifies the former    
name and new name of the Fund.                                                  

FUND NAME CHANGE                                                                

FORMER FUND                               NEW FUND    
--------------------------------------   -------------------------------------  
MET INVESTORS SERIES TRUST               MET INVESTORS SERIES TRUST             
Third Avenue Small Cap Value Portfolio   MetLife Small Cap Value Portfolio      

DWS VARIABLE SERIES I                    DEUTSCHE VARIABLE SERIES I             
DWS International VIP                    Deutsche CROCI (R) International VIP   

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APPENDIX D                                                                      
PREMIUM TAX TABLE                                                               

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

                                                                [Download Table]

                   QUALIFIED NON-QUALIFIED
                   CONTRACTS   CONTRACTS  
        -          --------- -------------
                                          
California/(1)/...   0.50%       2.35%    
Florida/(2)/......   1.00%       1.00%    
Maine/(3)/........   0.00%       2.00%    
Nevada/(4)/.......   0.00%       3.50%    
Puerto Rico/(5)/..   1.00%       1.00%    
South Dakota/(6)/.   0.00%       1.25%    
West Virginia.....   1.00%       1.00%    
Wyoming/(4)/......   0.00%       1.00%    

--------                                                                        
/(1)/  California applies the qualified tax rate to plans that qualify under    
  the following Code sections: 401(a), 403(b), 404, 408(b) and 501(a).
/(2)/  Annuity premiums are exempt from taxation provided the tax savings are   
     passed back to the contract holders. Otherwise, they are taxable at 1%.
/(3)/  Maine applies the qualified tax rate to plans that qualify under the     
following Code sections: 401, 403, 403(b), 404, 408, 457 and 501. 
/(4)/  Nevada and Wyoming apply the qualified tax rate to plans that qualify    
under the following Code sections: 401, 403, 404, 408 and 501.    
/(5)/  We will not deduct premium taxes paid by Us to Puerto Rico from purchase 
payments, account balances, withdrawals, death benefits or income 
payments.                                                         
/(6)/  Special rate applies for large case annuity policies. Rate is 8/100 of   
      1% for that portion of the annuity considerations received on a contract
     exceeding $500,000 annually. Special rate on large case policies is not
    subject to retaliation. South Dakota applies the qualified tax rate to
     plans that qualify under the following Code sections: 401, 403(b), 404,
408, 457 and 501(a).                                              

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STATEMENT OF ADDITIONAL INFORMATION 

METLIFE INVESTORS USA SEPARATE ACCOUNT A  

GROUP FLEXIBLE PAYMENT FIXED AND VARIABLE ANNUITY CONTRACTS 

METLIFE INSURANCE COMPANY USA 

MAY 1, 2015 

THIS STATEMENT OF ADDITIONAL INFORMATION IS NOT A PROSPECTUS AND SHOULD BE READ 
IN CONJUNCTION WITH THE PROSPECTUS. A COPY OF THE PROSPECTUS, DATED MAY 1,      
2015, MAY BE OBTAINED WITHOUT CHARGE BY WRITING TO METLIFE INSURANCE COMPANY    
USA, 11225 NORTH COMMUNITY HOUSE ROAD, CHARLOTTE, NC 28277 OR BY TELEPHONING    
(800) 283-4536.                                                                 

NOTE: CERTAIN TERMS USED IN THIS STATEMENT OF ADDITIONAL INFORMATION HAVE       
SPECIAL MEANINGS. IF A TERM  IS NOT DEFINED HEREIN, IT HAS THE MEANING
GIVEN TO IT IN THE PROSPECTUS.                                        

SAI-USAFLEXBONUS 11/14                                                          

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                                                                [Download Table]
                                                                    
TABLE OF CONTENTS                                          PAGE     

THE INSURANCE COMPANY........................................... 3  

SURRENDER CHARGES............................................... 3  

NET INVESTMENT FACTOR........................................... 3  

ANNUITY PAYMENTS................................................ 3  

  Basis of Variable Benefits.................................... 3  

  Determination of Amount of Monthly Variable Annuity               
  Payments for First Year....................................... 3  

  Determination of Amount of Monthly Variable Annuity               
  Payments for Second and                                           
  Subsequent Years.............................................. 4  

  Annuity Unit Value............................................ 4  

UNDERWRITERS, DISTRIBUTION OF THE CONTRACT...................... 4  

CALCULATION OF PERFORMANCE...................................... 5  

VOTING RIGHTS................................................... 5  

SAFEKEEPING OF SECURITIES....................................... 6  

SERVICING AGENT................................................. 6  

INDEPENDENT REGISTERED PUBLIC                                       
ACCOUNTING FIRM................................................. 6  

ADDITIONAL FEDERAL TAX CONSIDERATIONS........................... 7  

  Qualified Annuity Contracts................................... 7  

  Types of Qualified Contracts.................................. 7  

  ERISA......................................................... 7  

  Federal Estate Taxes.......................................... 8  

  Generation-Skipping Transfer Tax.............................. 8  

  Annuity Purchase Payments by Nonresident Aliens and Foreign       
  Corporations.................................................. 8  

FINANCIAL STATEMENTS............................................ 8  

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COMPANY                                                                         

MetLife USA is a stock life insurance company originally chartered in           
Connecticut in 1863 and currently subject to the laws of the State of Delaware. 
MetLife USA is licensed to conduct business in all states of the United States, 
except New York, and in the District of Columbia, Puerto Rico, Guam, the U.S.   
and British Virgin Islands and the Bahamas. MetLife USA is a wholly-owned       
subsidiary of MetLife, Inc., a publicly-traded company. MetLife, Inc., through  
its subsidiaries and affiliates, is a leading provider of insurance and         
financial services to individuals and institutional customers. MetLife USA's    
principal executive offices are located at 11225 North Community House Road,    
Charlotte, NC 28277.                                                            

SURRENDER CHARGES                                                               

Subject to the individual's retirement plan requirements, all or a portion of   
the Participant's account may be surrendered at any time prior to the annuity   
date. Unless a certificate has been in effect for more than nine full calendar  
years after the Certificate Date, a surrender charge (contingent deferred sales 
charge) will be deducted in the event the Participant requests a full or        
partial surrender from the Separate Account. The charge is based on a           
percentage of the amount surrendered. For 403(b) Plans only, no surrender       
charge will be applied for that part of the first surrender from the Separate   
Account in a calendar year that does not exceed 10% of the value of the         
Participant's Account. The surrender charge amounts to 7% for surrenders        
attributable to purchase payments received within 60 months prior to the date   
of the surrender. In no event will the sum of these surrender charges and the   
distribution expense charge exceed 9% of the purchase payments.                 

NET INVESTMENT FACTOR                                                           

The Separate Account net investment factor is an index of the percentage change 
(adjusted for distributions by the Fund and the deduction of the actuarial risk 
fee) in the net asset value of each Fund in which the Series in invested, since 
the preceding Business Day. The Separate Account net investment factor for each 
Series of Accumulation Units is determined for any Business Day by dividing (i) 
the net asset value of a share of the Fund which is represented by such Series  
at the close of business on such day, plus the per share amount of any          
distributions made by such Fund on such day by (ii) the net asset value of a    
share of such Fund determined as of the close of business on the preceding      
Business Day and then subtracting from the result the daily factors for         
mortality and expense risks (.003699%) for each calendar day between the        
preceding Business Day and the end of the current Business Day.                 

ANNUITY PAYMENTS                                                                

BASIS OF VARIABLE BENEFITS                                                      

The Variable Annuity benefits rates used in determining Annuity Payments under  
the Contracts are based on actuarial assumptions, reflected in tables in the    
Contracts, as to the expected mortality and adjusted age and the form of        
Annuity selected. The mortality basis for these tables is Annuity 2000          
Mortality Table, projected to the year 2020 on Projection Scale G, with         
interest at 4.25% for all functions involving life contingencies and the        
portion of any period certain beyond 10 years, and 3.25% for the first 10 years 
of any certain period. Adjusted age in those tables means actual age to the     
nearest birthday at the time the first payment is due, adjusted according to    
the following table:                                                            

                                                                [Download Table]
                                            
YEAR OF BIRTH              AGE ADJUSTMENT   
BEFORE 1945                ACTUAL AGE       
1946 - 1965                Age Minus 1 Year 
1966 - 1985                Age Minus 2 Years
1986 - 2005                Age Minus 3 Years

DETERMINATION OF AMOUNT OF MONTHLY VARIABLE ANNUITY PAYMENTS FOR FIRST YEAR     

The Separate Account value used to establish the monthly variable annuity       
payment for the first year consists of the value of accumulation units of each  
Series of the Separate Account credited to a Participant on the last valuation  
date of the second calendar week before the annuity date. The Contract contains 
tables showing monthly payment factors and annuity premium rates per $1,000 of  
Separate Account value to be applied under Options 1 through 4.                 

At the beginning of the first payment year, an amount is transferred from the   
Separate Account to MetLife USA's General Account and level monthly annuity     
payments for the year are made out of the General Account. The amount to be     
transferred is determined by multiplying the annuity premium rate per $1,000    
set forth in the Contract tables by the number of thousands of dollars of       
Separate Account value credited to a Participant. The level monthly payment for 
the first payment year is then determined by multiplying the amount transferred 
(the "Annuity                                                                   

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Premium") by the monthly payment factor in the same table. In the event the     
Contract involved has Separate Account accumulation units in more than one      
Series, the total monthly annuity payment for the first year is the sum of the  
monthly annuity payments, determined in the same manner as above, for each      
Series.                                                                         

At the time the first year's monthly payments are determined, a number of       
annuity units for each Separate Account Series is also established for the      
annuitant by dividing the first year monthly payment from that series by the    
Separate Account annuity unit values for the series on the last valuation date  
of the second calendar week before the first annuity payment is due. The number 
of annuity units remains fixed during the annuity period unless annuity units   
are converted to or from another series.                                        

DETERMINATION OF AMOUNT OF MONTHLY VARIABLE ANNUITY PAYMENTS FOR SECOND AND     
SUBSEQUENT YEARS                                                                

As of each anniversary of the annuity date, MetLife USA will determine the      
amount of the monthly variable annuity payments for the year then beginning.    
Separate determinations will be made for each Separate Account Series in which  
the annuitant has annuity units, with the total annuity payment being the sum   
of the payments derived from the Series. The amount of monthly payments for any 
Separate Account Series for any year after the first will be determined by      
multiplying the number of annuity units for that Series by the annuity unit     
value for that Series for the valuation period in which the first payment for   
the year is due. It will be MetLife USA's practice to mail variable annuity     
payments no later than seven days after the last day of the valuation period    
upon which they are based or the monthly anniversary thereof.                   

The objective of a variable annuity contract is to provide level payments       
during periods when the economy is relatively stable and to reflect as          
increased payments only the excess of investment results flowing from inflation 
or an increase in productivity. The achievement of this objective will depend,  
in part, upon the validity of the assumption that the net investment return of  
the Separate Account equals the assumed investment return during periods of     
stable prices. Subsequent years' payments will be smaller than, equal to or     
greater than the first year's payments depending on whether the actual net      
investment return for the Separate Account is smaller than equal to or greater  
than the Assumed Investment Return.                                             

ANNUITY UNIT VALUE                                                              

The initial value of an Annuity Unit is $5 for each Series for the first        
Valuation Period as of which the first Variable Annuity Payment from such       
Series is made. The value of an Annuity Unit for each Series on any later date  
is determined by multiplying the value of an Annuity Unit at the end of the     
preceding Valuation Period by the "Annuity change factor" for the second        
preceding Valuation Period. The Annuity change factor is an adjusted            
measurement of the investment performance of the Fund since the end of the      
preceding Valuation Period. The Annuity change factor is determined by dividing 
the value of an Accumulation Unit at the end of the Valuation Period by the     
value of an Accumulation Unit at the end of the preceding Valuation Period and  
multiplying the result by a neutralization factor.                              

Variable Annuity Payments for each year after the first reflect variations in   
the investment performance of the Separate Account above and below an Assumed   
Investment Return. This assumed investment rate is included for purposes of     
actuarial computations and does not relate to the actual investment performance 
of the underlying Fund. Therefore, the Assumed Investment Return must be        
"neutralized" in computing the Annuity change factor. For weekly Valuation      
Periods and a 4.25% Assumed Investment Return, the neutralization factor is     
0.9991999.                                                                      

UNDERWRITERS, DISTRIBUTION OF THE CONTRACTS                                     

Information about the distribution of the Contracts is contained in the         
prospectus. (See "Principal Underwriter.") Additional information is provided   
below.                                                                          

The Contracts are not currently offered for sale. However, new Participants may 
be added under existing Contracts and, where applicable, we will continue to    
issue Certificates to new Participants.                                         

MetLife Investors Distribution Company ("Distributor") serves as principal      
underwriter for the Contracts. Distributor is a Missouri corporation and its    
home office is located at 1095 Avenue of the Americas, New York, NY 10036.      
Distributor is an indirect, wholly-owned subsidiary of MetLife, Inc.            
Distributor is registered as a broker-dealer with the Securities and Exchange   
Commission under the Securities Exchange Act of 1934 and is a member of FINRA.  
Distributor is not a member of the Securities Investor Protection Corporation.  
Distributor has entered into selling agreements with other broker-dealers       
("selling firms") and compensates them for their services.                      

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Distributor (including its predecessor) received sales compensation with        
respect to the Contracts and all other contracts issued from the Separate       
Account in the following amounts during the periods indicated:                  

                                                                [Download Table]

                            Aggregate   
                            Amount of   
                           Commissions  
              Aggregate    Retained by  
              Amount of    Distributor  
             Commissions  After Payments
               Paid to      to Selling  
Fiscal Year  Distributor      Firms     
----------------------------------------
                                        
   2012      $689,121,186       $0      
   2013      $456,083,088       $0      
   2014      $463,545,565       $0      

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

CALCULATION OF PERFORMANCE                                                      

Average annual total return was computed 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 the    
following formula:                                                              

P(1+T)/(n)/ = ERV                                                         

Where:                                                                          

P  =  a hypothetical initial payment of $1,000                            

T  =  average annual total return                                         

n  =  number of years                                                     

  ERV  =  ending redeemable value of a hypothetical $1,000 payment made at the
      beginning of the 1, 5, or 10 year periods (or fractional portion
thereof).                                                 

The computation of average annual total returns does take into consideration    
recurring charges and any non-recurring charges applicable to a Contract which  
is surrendered in full at the end of the stated holding period.                 

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

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

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

VOTING RIGHTS                                                                   

As the owner of the Separate Account, MetLife USA is the legal owner of the     
shares of the Funds. Based upon MetLife USA's current view of applicable law,   
we will vote shares of the Funds (which are deemed attributable to the          
Contracts) based on instructions received from those having voting interests    
under the Contract concerning Fund shares and who are entitled to vote on Fund  
proposals at all regular and special shareholders meetings. The persons who     
have voting interests under a particular plan may include the plan              
administrator or the Participant if voting is passed through to such            
individuals. Your plan administrator can provide you with information in this   
regard. MetLife USA will vote all shares of the underlying Funds as directed.   
MetLife USA will send to those with voting interests, at a last known address,  
all periodic reports, proxy materials and written requests for instructions on  
how to vote those shares. When MetLife USA receives these instructions, it will 
vote of the shares in proportion to the instructions. If MetLife USA does not   
receive voting instructions, from a recipient, it will vote their interest in   
the same proportion as represented by the votes it has received. The effect of  
this proportional voting is that a small number of those with voting interests  
may control the outcome of the vote. If MetLife USA determines that it is       
permitted to vote the shares in its own right due to changes in the law or in   
the interpretation of the law it may do so.                                     

MetLife USA is under no duty to inquire into voting instructions or into the    
authority of the person issuing such instructions. All instructions will be     
valid unless MetLife USA has actual knowledge that they are not.                

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When Annuity payments begin, the Annuitant will have all voting rights in       
regard to Fund shares.                                                          

There are certain circumstances under which MetLife USA may disregard voting    
instructions. However, in this event, a summary of our action and the reasons   
for such action will appear in the next semiannual report.                      

The number of votes that each person having the right to vote receives is       
determined on a record date that is set no more than 90 days before the         
meeting. Voting instructions will be requested at least 30 days before the      
meeting. Only Owners or Annuitants on the record date may vote.                 

The number of shares to which a Participant is entitled to vote is calculated   
by dividing the portion of his or her Participant's Account allocated to that   
Fund on the record date by the net asset value of a Fund share on the same date.

SAFEKEEPING OF SECURITIES                                                       

Custody of all assets of the Separate Account are held by MetLife USA. The      
assets of each Separate Account Series will be kept physically segregated by    
MetLife USA and held separate from the assets of any other firm, person, or     
corporation. Additional protection for the assets of the Separate Account is    
afforded by fidelity bonds covering all of MetLife USA's officers and employees.

SERVICING AGENT                                                                 

Administrative services agreements have been entered into between MetLife USA   
and each of MetLife Group, Inc. and Metropolitan Life Insurance Company under   
which the latter have agreed to perform certain of the personnel and            
administrative services relating to the Contracts and for the Separate Account. 
MetLife USA has paid fees to MetLife Group and Metropolitan Life Insurance      
Company for these services.                                                     

INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                                   

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

The consolidated financial statements and related financial statement schedules 
of MetLife Insurance Company USA and subsidiaries (the "Company") included in   
this Statement of Additional Information, have been audited by Deloitte &       
Touche LLP, an independent registered public accounting firm, as stated in      
their report appearing herein (which report expresses an unqualified opinion    
and includes an explanatory paragraph regarding the renaming of the Company,    
its mergers with entities under common control, and the retrospective           
adjustment of the consolidated financial statements for all periods presented   
to reflect the mergers in a manner similar to a pooling-of-interests as         
described in Note 3). 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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ADDITIONAL FEDERAL TAX CONSIDERATIONS                                           

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.         

IRA                                                                             

Established by an individual, or employer as part of an employer plan.          

SIMPLE                                                                          

Established by a for-profit employer with fewer than 100 employees, based on    
IRA accounts for each participant.                                              

SEP                                                                             

Established by a for-profit employer, based on IRA accounts for each            
participant. Employer only contributions.                                       

401(K), 401(A)                                                                  

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

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

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

457(B) GOVERNMENTAL SPONSOR                                                     

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

457(B) NON-GOVERNMENTAL SPONSOR                                                 

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

Additional information regarding 457(b) plans                                   

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

403(A)                                                                          

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

ERISA                                                                           

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

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

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

(b) Make certain withdrawals under plans for which a qualified consent is   
required;                                                           

(c) Name someone other than the spouse as your beneficiary; or              

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(d) Use your accrued benefit as security for a loan exceeding $5,000.       

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

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

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

Comparison of Plan Limits for Individual Contributions:                         

                                                                [Download Table]

--------------------------------------------------------
 PLAN TYPE   ELECTIVE CONTRIBUTION CATCH-UP CONTRIBUTION
--------------------------------------------------------
                                                        
    IRA             $5,500                $1,000        
--------------------------------------------------------
  SIMPLE            $12,500               $3,000        
--------------------------------------------------------
  401(k)            $18,000               $6,000        
--------------------------------------------------------
  401(a)            (Employer contributions only)       
--------------------------------------------------------
403(b)(TSA)         $18,000               $6,000        
--------------------------------------------------------
  457(b)            $18,000               $6,000        
--------------------------------------------------------

Dollar limits are for 2015 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 total annual plan   
contributions do not to exceed the greater of $53,000 or 25% of an employee's   
compensation for 2015.                                                          

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.                  

FINANCIAL STATEMENTS                                                            

The financial statements and financial highlights of MetLife Investors USA      
Separate Account A and the consolidated financial statements are included       
herein.                                                                         

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

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM                         

To the Contract Owners of                                                       
MetLife Investors USA Separate Account A                                        
and Board of Directors of                                                       
MetLife Insurance Company USA                                                   

We have audited the accompanying statements of assets and liabilities of        
MetLife Investors USA Separate Account A (the "Separate Account") of MetLife    
Insurance Company USA (the "Company") comprising each of the individual         
Sub-Accounts listed in Note 2.A as of December 31, 2014, the related statements 
of operations for the respective stated period in the year then ended, the      
statements of changes in net assets for the respective stated periods in the    
two years then ended, and the financial highlights in Note 8 for the respective 
stated periods in the five years then ended. These financial statements and     
financial highlights are the responsibility of the Separate Account's           
management. Our responsibility is to express an opinion on these financial      
statements and financial highlights based on our audits.                        

We conducted our audits in accordance with the standards of the Public Company  
Accounting Oversight Board (United States). Those standards require that we     
plan and perform the audit to obtain reasonable assurance about whether the     
financial statements and financial highlights are free of material              
misstatement. The Separate Account is not required to have, nor were we engaged 
to perform, an audit of its internal control over financial reporting. Our      
audits included consideration of internal control over financial reporting as a 
basis for designing audit procedures that are appropriate in the circumstances, 
but not for the purpose of expressing an opinion on the effectiveness of the    
Separate Account's internal control over financial reporting. Accordingly, we   
express no such opinion. An audit also includes examining, on a test basis,     
evidence supporting the amounts and disclosures in the financial statements,    
assessing the accounting principles used and significant estimates made by      
management, as well as evaluating the overall financial statement presentation. 
Our procedures included confirmation of investments owned as of December 31,    
2014, by correspondence with the custodian or mutual fund companies. We believe 
that our audits provide a reasonable basis for our opinion.                     

In our opinion, the financial statements and financial highlights referred to   
above present fairly, in all material respects, the financial position of each  
of the Sub-Accounts constituting the Separate Account of the Company as of      
December 31, 2014, the results of their operations for the respective stated    
period in the year then ended, the changes in their net assets for the          
respective stated periods in the two years then ended, and the financial        
highlights for the respective stated periods in the five years then ended, in   
conformity with accounting principles generally accepted in the United States   
of America.                                                                     

/s/ DELOITTE & TOUCHE LLP                                                       
Certified Public Accountants                                                    

Tampa, Florida                                                                  
March 27, 2015                                                                  

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES    
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                                                                             AMERICAN FUNDS   
                                                  ALGER            AMERICAN FUNDS        AMERICAN FUNDS       GLOBAL SMALL    
                                            SMALL CAP GROWTH            BOND              GLOBAL GROWTH      CAPITALIZATION   
                                               SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT    
                                           -------------------  --------------------  -------------------  -------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value.............. $        57,195,868  $        151,245,977  $       312,209,262  $       122,112,150
   Due from MetLife Insurance                                                                                                 
     Company USA..........................                  --                    --                   --                   --
                                           -------------------  --------------------  -------------------  -------------------
        Total Assets......................          57,195,868           151,245,977          312,209,262          122,112,150
                                           -------------------  --------------------  -------------------  -------------------
LIABILITIES:                                                                                                                  
   Accrued fees...........................                  --                    31                   74                   79
   Due to MetLife Insurance                                                                                                   
     Company USA..........................                  --                    --                    1                    1
                                           -------------------  --------------------  -------------------  -------------------
        Total Liabilities.................                  --                    31                   75                   80
                                           -------------------  --------------------  -------------------  -------------------

NET ASSETS................................ $        57,195,868  $        151,245,946  $       312,209,187  $       122,112,070
                                           ===================  ====================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units..... $        57,195,868  $        151,229,105  $       312,200,050  $       122,103,236
   Net assets from contracts in payout....                  --                16,841                9,137                8,834
                                           -------------------  --------------------  -------------------  -------------------
        Total Net Assets.................. $        57,195,868  $        151,245,946  $       312,209,187  $       122,112,070
                                           ===================  ====================  ===================  ===================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                            AMERICAN FUNDS        AMERICAN FUNDS       BLACKROCK GLOBAL         DEUTSCHE I     
                                                GROWTH             GROWTH-INCOME        ALLOCATION V.I.        INTERNATIONAL   
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        821,201,224  $        390,905,794  $              8,564  $         14,851,303
   Due from MetLife Insurance                                                                                                  
     Company USA........................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          821,201,224           390,905,794                 8,564            14,851,303
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   92                    78                     7                    --
   Due to MetLife Insurance                                                                                                    
     Company USA........................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   92                    78                     7                    --
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        821,201,132  $        390,905,716  $              8,557  $         14,851,303
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        821,169,291  $        390,850,420  $              8,557  $         14,851,303
   Net assets from contracts in payout..               31,841                55,296                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        821,201,132  $        390,905,716  $              8,557  $         14,851,303
                                         ====================  ====================  ====================  ====================


                                           FEDERATED HIGH           FEDERATED           FIDELITY VIP          FIDELITY VIP     
                                             INCOME BOND             KAUFMAN            ASSET MANAGER          CONTRAFUND      
                                             SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                         -------------------  --------------------  --------------------  -------------------- 
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $            26,378  $             47,257  $         84,977,764  $        631,948,788 
   Due from MetLife Insurance                                                                                                  
     Company USA........................                  --                    --                     1                    -- 
                                         -------------------  --------------------  --------------------  -------------------- 
        Total Assets....................              26,378                47,257            84,977,765           631,948,788 
                                         -------------------  --------------------  --------------------  -------------------- 
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   2                     4                     2                    55 
   Due to MetLife Insurance                                                                                                    
     Company USA........................                  --                    --                    --                    -- 
                                         -------------------  --------------------  --------------------  -------------------- 
        Total Liabilities...............                   2                     4                     2                    55 
                                         -------------------  --------------------  --------------------  -------------------- 

NET ASSETS.............................. $            26,376  $             47,253  $         84,977,763  $        631,948,733 
                                         ===================  ====================  ====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $            26,376  $             47,253  $         84,977,763  $        631,948,080 
   Net assets from contracts in payout..                  --                    --                    --                   653 
                                         -------------------  --------------------  --------------------  -------------------- 
        Total Net Assets................ $            26,376  $             47,253  $         84,977,763  $        631,948,733 
                                         ===================  ====================  ====================  ==================== 


                                             FIDELITY VIP          FIDELITY VIP                                                
                                             EQUITY-INCOME       FUNDSMANAGER 50%                                              
                                              SUB-ACCOUNT           SUB-ACCOUNT                                                
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $          5,676,328  $      3,538,458,593                                            
   Due from MetLife Insurance                                                                                                  
     Company USA........................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................            5,676,328         3,538,458,593                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   --                    --                                            
   Due to MetLife Insurance                                                                                                    
     Company USA........................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                   --                    --                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $          5,676,328  $      3,538,458,593                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $          5,676,328  $      3,538,458,593                                            
   Net assets from contracts in payout..                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $          5,676,328  $      3,538,458,593                                            
                                         ====================  ====================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                             FIDELITY VIP          FIDELITY VIP          FIDELITY VIP        FIDELITY VIP    
                                           FUNDSMANAGER 60%           GROWTH               INDEX 500            MID CAP      
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT    
                                         --------------------  --------------------  -------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $      3,994,437,491  $        167,673,936  $        70,165,996  $       446,277,707
   Due from MetLife Insurance                                                                                                
     Company USA........................                   --                    --                   --                    1
                                         --------------------  --------------------  -------------------  -------------------
        Total Assets....................        3,994,437,491           167,673,936           70,165,996          446,277,708
                                         --------------------  --------------------  -------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   --                     5                   14                   15
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   --                     1                   --                   --
                                         --------------------  --------------------  -------------------  -------------------
        Total Liabilities...............                   --                     6                   14                   15
                                         --------------------  --------------------  -------------------  -------------------

NET ASSETS.............................. $      3,994,437,491  $        167,673,930  $        70,165,982  $       446,277,693
                                         ====================  ====================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $      3,994,437,491  $        167,673,930  $        70,165,982  $       446,262,210
   Net assets from contracts in payout..                   --                    --                   --               15,483
                                         --------------------  --------------------  -------------------  -------------------
        Total Net Assets................ $      3,994,437,491  $        167,673,930  $        70,165,982  $       446,277,693
                                         ====================  ====================  ===================  ===================


                                             FIDELITY VIP          FIDELITY VIP       FTVIPT FRANKLIN       FTVIPT FRANKLIN  
                                             MONEY MARKET            OVERSEAS           INCOME VIP         MUTUAL SHARES VIP 
                                              SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  -------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $         50,947,658  $         4,942,746  $       294,909,970  $        153,109,236
   Due from MetLife Insurance                                                                                                
     Company USA........................                   --                   --                    1                     1
                                         --------------------  -------------------  -------------------  --------------------
        Total Assets....................           50,947,658            4,942,746          294,909,971           153,109,237
                                         --------------------  -------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   10                   --                   43                    14
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   --                   --                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
        Total Liabilities...............                   10                   --                   43                    14
                                         --------------------  -------------------  -------------------  --------------------

NET ASSETS.............................. $         50,947,648  $         4,942,746  $       294,909,928  $        153,109,223
                                         ====================  ===================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $         50,947,648  $         4,942,746  $       294,876,463  $        153,099,739
   Net assets from contracts in payout..                   --                   --               33,465                 9,484
                                         --------------------  -------------------  -------------------  --------------------
        Total Net Assets................ $         50,947,648  $         4,942,746  $       294,909,928  $        153,109,223
                                         ====================  ===================  ===================  ====================


                                            FTVIPT FRANKLIN      FTVIPT TEMPLETON                                            
                                          SMALL CAP VALUE VIP       FOREIGN VIP                                              
                                              SUB-ACCOUNT           SUB-ACCOUNT                                              
                                         --------------------  --------------------                                          
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        126,502,560  $         73,607,849                                          
   Due from MetLife Insurance                                                                                                
     Company USA........................                   --                     1                                          
                                         --------------------  --------------------                                          
        Total Assets....................          126,502,560            73,607,850                                          
                                         --------------------  --------------------                                          
LIABILITIES:                                                                                                                 
   Accrued fees.........................                    3                    70                                          
   Due to MetLife Insurance                                                                                                  
     Company USA........................                    1                    --                                          
                                         --------------------  --------------------                                          
        Total Liabilities...............                    4                    70                                          
                                         --------------------  --------------------                                          

NET ASSETS.............................. $        126,502,556  $         73,607,780                                          
                                         ====================  ====================                                          
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        126,502,080  $         73,607,780                                          
   Net assets from contracts in payout..                  476                    --                                          
                                         --------------------  --------------------                                          
        Total Net Assets................ $        126,502,556  $         73,607,780                                          
                                         ====================  ====================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]


                                           FTVIPT TEMPLETON        INVESCO V.I.          INVESCO V.I.          INVESCO V.I.    
                                            GLOBAL BOND VIP     AMERICAN FRANCHISE        CORE EQUITY        EQUITY AND INCOME 
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        250,150,024  $             15,119  $            231,978  $        681,211,335
   Due from MetLife Insurance                                                                                                  
     Company USA........................                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          250,150,024                15,119               231,978           681,211,335
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   12                     5                    --                    33
   Due to MetLife Insurance                                                                                                    
     Company USA........................                   --                     7                    --                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   12                    12                    --                    34
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        250,150,012  $             15,107  $            231,978  $        681,211,301
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        250,142,442  $             15,107  $            231,978  $        681,188,907
   Net assets from contracts in payout..                7,570                    --                    --                22,394
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        250,150,012  $             15,107  $            231,978  $        681,211,301
                                         ====================  ====================  ====================  ====================


                                                                                                                  LMPVET       
                                             INVESCO V.I.          INVESCO V.I.          IVY FUNDS VIP     CLEARBRIDGE VARIABLE
                                           GROWTH AND INCOME   INTERNATIONAL GROWTH     ASSET STRATEGY       AGGRESSIVE GROWTH 
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $              6,935  $        275,881,000  $             45,030  $        316,449,078
   Due from MetLife Insurance                                                                                                  
     Company USA........................                    2                    --                    --                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................                6,937           275,881,000                45,030           316,449,079
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   10                    27                     6                   146
   Due to MetLife Insurance                                                                                                    
     Company USA........................                   --                     1                     1                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   10                    28                     7                   146
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $              6,927  $        275,880,972  $             45,023  $        316,448,933
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $              6,927  $        275,871,788  $             45,023  $        316,437,331
   Net assets from contracts in payout..                   --                 9,184                    --                11,602
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $              6,927  $        275,880,972  $             45,023  $        316,448,933
                                         ====================  ====================  ====================  ====================


                                                LMPVET                LMPVET                                                   
                                         CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE                                            
                                             APPRECIATION          EQUITY INCOME                                               
                                              SUB-ACCOUNT           SUB-ACCOUNT                                                
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        426,519,499  $        205,573,539                                            
   Due from MetLife Insurance                                                                                                  
     Company USA........................                   --                     1                                            
                                         --------------------  --------------------                                            
        Total Assets....................          426,519,499           205,573,540                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   58                    58                                            
   Due to MetLife Insurance                                                                                                    
     Company USA........................                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                   58                    58                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $        426,519,441  $        205,573,482                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        426,518,386  $        205,566,151                                            
   Net assets from contracts in payout..                1,055                 7,331                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $        426,519,441  $        205,573,482                                            
                                         ====================  ====================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                LMPVET                LMPVET                LMPVET               LMPVET       
                                         CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  PERMAL ALTERNATIVE 
                                           LARGE CAP GROWTH       LARGE CAP VALUE      SMALL CAP GROWTH        SELECT VIT     
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  -------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............  $         4,631,649  $          8,744,244  $       115,942,858   $           641,061
   Due from MetLife Insurance                                                                                                 
     Company USA........................                    1                    --                   --                    --
                                         --------------------  --------------------  --------------------  -------------------
        Total Assets....................            4,631,650             8,744,244          115,942,858               641,061
                                         --------------------  --------------------  --------------------  -------------------
LIABILITIES:                                                                                                                  
   Accrued fees.........................                   49                    67                   57                    27
   Due to MetLife Insurance                                                                                                   
     Company USA........................                   --                    --                   --                    --
                                         --------------------  --------------------  --------------------  -------------------
        Total Liabilities...............                   49                    67                   57                    27
                                         --------------------  --------------------  --------------------  -------------------

NET ASSETS..............................  $         4,631,601  $          8,744,177  $       115,942,801   $           641,034
                                         ====================  ====================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units...  $         4,631,601  $          8,744,177  $       115,942,801   $           641,034
   Net assets from contracts in payout..                   --                    --                   --                    --
                                         --------------------  --------------------  --------------------  -------------------
        Total Net Assets................  $         4,631,601  $          8,744,177  $       115,942,801   $           641,034
                                         ====================  ====================  ====================  ===================


                                               LMPVET                LMPVET                LMPVET           LMPVIT WESTERN    
                                         VARIABLE LIFESTYLE    VARIABLE LIFESTYLE    VARIABLE LIFESTYLE  ASSET VARIABLE GLOBAL
                                           ALLOCATION 50%        ALLOCATION 70%        ALLOCATION 85%       HIGH YIELD BOND   
                                             SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT     
                                         -------------------  --------------------  -------------------  ---------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $        42,335,509  $          1,923,863  $        92,760,229   $       100,641,746 
   Due from MetLife Insurance                                                                                                 
     Company USA........................                  --                    --                   --                    -- 
                                         -------------------  --------------------  -------------------  ---------------------
        Total Assets....................          42,335,509             1,923,863           92,760,229           100,641,746 
                                         -------------------  --------------------  -------------------  ---------------------
LIABILITIES:                                                                                                                  
   Accrued fees.........................                  36                    25                    9                    57 
   Due to MetLife Insurance                                                                                                   
     Company USA........................                   1                    --                   --                     1 
                                         -------------------  --------------------  -------------------  ---------------------
        Total Liabilities...............                  37                    25                    9                    58 
                                         -------------------  --------------------  -------------------  ---------------------

NET ASSETS.............................. $        42,335,472  $          1,923,838  $        92,760,220   $       100,641,688 
                                         ===================  ====================  ===================  =====================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $        42,335,472  $          1,923,838  $        92,760,220   $       100,638,902 
   Net assets from contracts in payout..                  --                    --                   --                 2,786 
                                         -------------------  --------------------  -------------------  ---------------------
        Total Net Assets................ $        42,335,472  $          1,923,838  $        92,760,220   $       100,641,688 
                                         ===================  ====================  ===================  =====================



                                                MFS VIT              MFS VIT                                                  
                                            INVESTORS TRUST       NEW DISCOVERY                                               
                                              SUB-ACCOUNT          SUB-ACCOUNT                                                
                                         --------------------  -------------------                                            
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $              9,621  $            40,609                                            
   Due from MetLife Insurance                                                                                                 
     Company USA........................                   --                   --                                            
                                         --------------------  -------------------                                            
        Total Assets....................                9,621               40,609                                            
                                         --------------------  -------------------                                            
LIABILITIES:                                                                                                                  
   Accrued fees.........................                    2                    2                                            
   Due to MetLife Insurance                                                                                                   
     Company USA........................                   --                   --                                            
                                         --------------------  -------------------                                            
        Total Liabilities...............                    2                    2                                            
                                         --------------------  -------------------                                            

NET ASSETS.............................. $              9,619  $            40,607                                            
                                         ====================  ===================                                            
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $              9,619  $            40,607                                            
   Net assets from contracts in payout..                   --                   --                                            
                                         --------------------  -------------------                                            
        Total Net Assets................ $              9,619  $            40,607                                            
                                         ====================  ===================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                                     MIST                  MIST                               
                                                               ALLIANCEBERNSTEIN      ALLIANZ GLOBAL         MIST AMERICAN    
                                                                GLOBAL DYNAMIC       INVESTORS DYNAMIC      FUNDS BALANCED    
                                           MFS VIT RESEARCH       ALLOCATION         MULTI-ASSET PLUS         ALLOCATION      
                                              SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                         -------------------  -------------------  --------------------  -------------------- 
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $            26,580  $     3,373,491,434  $         18,986,524  $      3,417,834,616 
   Due from MetLife Insurance                                                                                                 
     Company USA........................                  --                   --                    --                    -- 
                                         -------------------  -------------------  --------------------  -------------------- 
        Total Assets....................              26,580        3,373,491,434            18,986,524         3,417,834,616 
                                         -------------------  -------------------  --------------------  -------------------- 
LIABILITIES:                                                                                                                  
   Accrued fees.........................                   9                   96                    68                    41 
   Due to MetLife Insurance                                                                                                   
     Company USA........................                  --                   --                    --                     1 
                                         -------------------  -------------------  --------------------  -------------------- 
        Total Liabilities...............                   9                   96                    68                    42 
                                         -------------------  -------------------  --------------------  -------------------- 

NET ASSETS.............................. $            26,571  $     3,373,491,338  $         18,986,456  $      3,417,834,574 
                                         ===================  ===================  ====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $            26,571  $     3,373,431,824  $         18,986,456  $      3,417,726,068 
   Net assets from contracts in payout..                  --               59,514                    --               108,506 
                                         -------------------  -------------------  --------------------  -------------------- 
        Total Net Assets................ $            26,571  $     3,373,491,338  $         18,986,456  $      3,417,834,574 
                                         ===================  ===================  ====================  ==================== 



                                             MIST AMERICAN                              MIST AMERICAN           MIST AQR      
                                             FUNDS GROWTH          MIST AMERICAN       FUNDS MODERATE          GLOBAL RISK    
                                              ALLOCATION           FUNDS GROWTH          ALLOCATION             BALANCED      
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  -------------------  --------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $      1,852,260,713  $        648,671,561  $     1,744,157,182  $      3,001,302,263
   Due from MetLife Insurance                                                                                                 
     Company USA........................                   --                    --                   --                    --
                                         --------------------  --------------------  -------------------  --------------------
        Total Assets....................        1,852,260,713           648,671,561        1,744,157,182         3,001,302,263
                                         --------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                  
   Accrued fees.........................                   46                    75                   59                    67
   Due to MetLife Insurance                                                                                                   
     Company USA........................                   --                     2                   --                     1
                                         --------------------  --------------------  -------------------  --------------------
        Total Liabilities...............                   46                    77                   59                    68
                                         --------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $      1,852,260,667  $        648,671,484  $     1,744,157,123  $      3,001,302,195
                                         ====================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $      1,851,771,574  $        648,605,633  $     1,743,554,487  $      3,000,889,741
   Net assets from contracts in payout..              489,093                65,851              602,636               412,454
                                         --------------------  --------------------  -------------------  --------------------
        Total Net Assets................ $      1,852,260,667  $        648,671,484  $     1,744,157,123  $      3,001,302,195
                                         ====================  ====================  ===================  ====================



                                            MIST BLACKROCK                                                                    
                                            GLOBAL TACTICAL       MIST BLACKROCK                                              
                                              STRATEGIES            HIGH YIELD                                                
                                              SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         --------------------  -------------------                                            
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $      5,423,637,112  $       238,216,029                                            
   Due from MetLife Insurance                                                                                                 
     Company USA........................                   --                   --                                            
                                         --------------------  -------------------                                            
        Total Assets....................        5,423,637,112          238,216,029                                            
                                         --------------------  -------------------                                            
LIABILITIES:                                                                                                                  
   Accrued fees.........................                   79                  141                                            
   Due to MetLife Insurance                                                                                                   
     Company USA........................                    1                    1                                            
                                         --------------------  -------------------                                            
        Total Liabilities...............                   80                  142                                            
                                         --------------------  -------------------                                            

NET ASSETS.............................. $      5,423,637,032  $       238,215,887                                            
                                         ====================  ===================                                            
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $      5,423,550,927  $       238,212,515                                            
   Net assets from contracts in payout..               86,105                3,372                                            
                                         --------------------  -------------------                                            
        Total Net Assets................ $      5,423,637,032  $       238,215,887                                            
                                         ====================  ===================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                                                            MIST                  MIST       
                                             MIST CLARION        MIST CLEARBRIDGE       GOLDMAN SACHS        HARRIS OAKMARK  
                                          GLOBAL REAL ESTATE     AGGRESSIVE GROWTH      MID CAP VALUE         INTERNATIONAL  
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT   
                                         --------------------  -------------------  --------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        330,178,733  $       586,572,644  $        178,512,732  $       663,509,362
   Due from MetLife Insurance                                                                                                
     Company USA........................                   --                    2                    --                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Assets.....................          330,178,733          586,572,646           178,512,732          663,509,362
                                         --------------------  -------------------  --------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   89                  141                    62                  110
   Due to MetLife Insurance                                                                                                  
     Company USA........................                    1                   --                     1                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Liabilities................                   90                  141                    63                  110
                                         --------------------  -------------------  --------------------  -------------------

NET ASSETS.............................. $        330,178,643  $       586,572,505  $        178,512,669  $       663,509,252
                                         ====================  ===================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        330,153,127  $       586,499,132  $        178,469,747  $       663,340,501
   Net assets from contracts in payout..               25,516               73,373                42,922              168,751
                                         --------------------  -------------------  --------------------  -------------------
       Total Net Assets................. $        330,178,643  $       586,572,505  $        178,512,669  $       663,509,252
                                         ====================  ===================  ====================  ===================


                                             MIST INVESCO                                                                    
                                             BALANCED-RISK       MIST INVESCO          MIST INVESCO         MIST INVESCO     
                                              ALLOCATION           COMSTOCK            MID CAP VALUE      SMALL CAP GROWTH   
                                              SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT     
                                         -------------------  -------------------  -------------------  -------------------- 
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       832,374,525  $       813,000,163  $       258,407,718  $        308,642,373 
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                   --                   --                    -- 
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Assets.....................         832,374,525          813,000,163          258,407,718           308,642,373 
                                         -------------------  -------------------  -------------------  -------------------- 
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  78                   86                  109                   100 
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   2                    1                   --                    -- 
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Liabilities................                  80                   87                  109                   100 
                                         -------------------  -------------------  -------------------  -------------------- 

NET ASSETS.............................. $       832,374,445  $       813,000,076  $       258,407,609  $        308,642,273 
                                         ===================  ===================  ===================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       832,374,445  $       812,950,677  $       258,398,671  $        308,576,753 
   Net assets from contracts in payout..                  --               49,399                8,938                65,520 
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Net Assets................. $       832,374,445  $       813,000,076  $       258,407,609  $        308,642,273 
                                         ===================  ===================  ===================  ==================== 


                                                                  MIST JPMORGAN                                              
                                             MIST JPMORGAN        GLOBAL ACTIVE                                              
                                               CORE BOND           ALLOCATION                                                
                                              SUB-ACCOUNT          SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       355,237,997  $        905,975,523                                           
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                    --                                           
                                         -------------------  --------------------                                           
       Total Assets.....................         355,237,997           905,975,523                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  36                    64                                           
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   1                     1                                           
                                         -------------------  --------------------                                           
       Total Liabilities................                  37                    65                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $       355,237,960  $        905,975,458                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       355,232,400  $        905,975,458                                           
   Net assets from contracts in payout..               5,560                    --                                           
                                         -------------------  --------------------                                           
       Total Net Assets................. $       355,237,960  $        905,975,458                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                                                                                  MIST         
                                             MIST JPMORGAN     MIST LOOMIS SAYLES     MIST LORD ABBETT       MET/EATON VANCE   
                                            SMALL CAP VALUE      GLOBAL MARKETS        BOND DEBENTURE         FLOATING RATE    
                                              SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                         -------------------  --------------------  --------------------  -------------------  
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        27,932,671  $        177,351,113  $        234,576,705  $        73,909,283  
   Due from MetLife Insurance                                                                                                  
     Company USA........................                  --                    --                    --                   --  
                                         -------------------  --------------------  --------------------  -------------------  
        Total Assets....................          27,932,671           177,351,113           234,576,705           73,909,283  
                                         -------------------  --------------------  --------------------  -------------------  
LIABILITIES:                                                                                                                   
   Accrued fees.........................                 170                    82                   146                   71  
   Due to MetLife Insurance                                                                                                    
     Company USA........................                   1                     1                     1                    2  
                                         -------------------  --------------------  --------------------  -------------------  
        Total Liabilities...............                 171                    83                   147                   73  
                                         -------------------  --------------------  --------------------  -------------------  

NET ASSETS.............................. $        27,932,500  $        177,351,030  $        234,576,558  $        73,909,210  
                                         ===================  ====================  ====================  ===================  
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        27,932,500  $        177,351,030  $        234,361,305  $        73,909,210  
   Net assets from contracts in payout..                  --                    --               215,253                   --  
                                         -------------------  --------------------  --------------------  -------------------  
        Total Net Assets................ $        27,932,500  $        177,351,030  $        234,576,558  $        73,909,210  
                                         ===================  ====================  ====================  ===================  


                                           MIST MET/FRANKLIN                                                                   
                                             LOW DURATION      MIST MET/TEMPLETON        MIST METLIFE          MIST METLIFE    
                                             TOTAL RETURN      INTERNATIONAL BOND    ASSET ALLOCATION 100      BALANCED PLUS   
                                              SUB-ACCOUNT          SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        173,125,015  $        47,183,949   $        641,574,848  $      7,268,454,205
   Due from MetLife Insurance                                                                                                  
     Company USA........................                   --                   --                     --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          173,125,015           47,183,949            641,574,848         7,268,454,205
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   97                   73                     54                    72
   Due to MetLife Insurance                                                                                                    
     Company USA........................                    1                    1                     --                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   98                   74                     54                    73
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        173,124,917  $        47,183,875   $        641,574,794  $      7,268,454,132
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        173,124,917  $        47,183,875   $        641,512,488  $      7,268,307,577
   Net assets from contracts in payout..                   --                   --                 62,306               146,555
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        173,124,917  $        47,183,875   $        641,574,794  $      7,268,454,132
                                         ====================  ====================  ====================  ====================


                                            MIST METLIFE                                                                       
                                             MULTI-INDEX          MIST METLIFE                                                 
                                            TARGETED RISK        SMALL CAP VALUE                                               
                                             SUB-ACCOUNT           SUB-ACCOUNT                                                 
                                         -------------------  --------------------                                             
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $       421,514,023  $        291,013,971                                             
   Due from MetLife Insurance                                                                                                  
     Company USA........................                  --                    --                                             
                                         -------------------  --------------------                                             
        Total Assets....................         421,514,023           291,013,971                                             
                                         -------------------  --------------------                                             
LIABILITIES:                                                                                                                   
   Accrued fees.........................                  67                    70                                             
   Due to MetLife Insurance                                                                                                    
     Company USA........................                   1                     1                                             
                                         -------------------  --------------------                                             
        Total Liabilities...............                  68                    71                                             
                                         -------------------  --------------------                                             

NET ASSETS.............................. $       421,513,955  $        291,013,900                                             
                                         ===================  ====================                                             
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $       421,513,955  $        290,844,236                                             
   Net assets from contracts in payout..                  --               169,664                                             
                                         -------------------  --------------------                                             
        Total Net Assets................ $       421,513,955  $        291,013,900                                             
                                         ===================  ====================                                             

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                                      MIST                 MIST                              
                                          MIST MFS EMERGING       MFS RESEARCH        MORGAN STANLEY      MIST OPPENHEIMER   
                                           MARKETS EQUITY         INTERNATIONAL       MID CAP GROWTH        GLOBAL EQUITY    
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT     
                                         -------------------  -------------------  -------------------  -------------------  
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       425,619,474  $       287,913,119  $       240,528,764  $        72,351,117  
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                    1                    1                    4  
                                         -------------------  -------------------  -------------------  -------------------  
       Total Assets.....................         425,619,474          287,913,120          240,528,765           72,351,121  
                                         -------------------  -------------------  -------------------  -------------------  
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  88                  111                   77                  122  
   Due to MetLife Insurance                                                                                                  
     Company USA........................                  --                   --                   --                   --  
                                         -------------------  -------------------  -------------------  -------------------  
       Total Liabilities................                  88                  111                   77                  122  
                                         -------------------  -------------------  -------------------  -------------------  

NET ASSETS.............................. $       425,619,386  $       287,913,009  $       240,528,688  $        72,350,999  
                                         ===================  ===================  ===================  ===================  
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       425,583,019  $       287,825,920  $       240,528,118  $        72,350,999  
   Net assets from contracts in payout..              36,367               87,089                  570                   --  
                                         -------------------  -------------------  -------------------  -------------------  
       Total Net Assets................. $       425,619,386  $       287,913,009  $       240,528,688  $        72,350,999  
                                         ===================  ===================  ===================  ===================  


                                                 MIST                 MIST                                                   
                                            PANAGORA GLOBAL      PIMCO INFLATION           MIST                  MIST        
                                           DIVERSIFIED RISK      PROTECTED BOND     PIMCO TOTAL RETURN       PIONEER FUND    
                                              SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  -------------------  --------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        10,161,728  $       732,596,547  $     1,787,038,159   $        305,917,633
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                   --                   --                      1
                                         -------------------  -------------------  --------------------  --------------------
       Total Assets.....................          10,161,728          732,596,547        1,787,038,159            305,917,634
                                         -------------------  -------------------  --------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  83                  142                  131                    170
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   1                    1                    2                     --
                                         -------------------  -------------------  --------------------  --------------------
       Total Liabilities................                  84                  143                  133                    170
                                         -------------------  -------------------  --------------------  --------------------

NET ASSETS.............................. $        10,161,644  $       732,596,404  $     1,787,038,026   $        305,917,464
                                         ===================  ===================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        10,161,644  $       732,474,140  $     1,786,748,928   $        305,909,200
   Net assets from contracts in payout..                  --              122,264              289,098                  8,264
                                         -------------------  -------------------  --------------------  --------------------
       Total Net Assets................. $        10,161,644  $       732,596,404  $     1,787,038,026   $        305,917,464
                                         ===================  ===================  ====================  ====================



                                            MIST PIONEER         MIST PYRAMIS                                                
                                          STRATEGIC INCOME     GOVERNMENT INCOME                                             
                                             SUB-ACCOUNT          SUB-ACCOUNT                                                
                                         -------------------  -------------------                                            
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       943,852,965  $       680,446,382                                            
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                   --                                            
                                         -------------------  -------------------                                            
       Total Assets.....................         943,852,965          680,446,382                                            
                                         -------------------  -------------------                                            
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 130                  102                                            
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   3                    2                                            
                                         -------------------  -------------------                                            
       Total Liabilities................                 133                  104                                            
                                         -------------------  -------------------                                            

NET ASSETS.............................. $       943,852,832  $       680,446,278                                            
                                         ===================  ===================                                            
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       943,838,894  $       680,240,700                                            
   Net assets from contracts in payout..              13,938              205,578                                            
                                         -------------------  -------------------                                            
       Total Net Assets................. $       943,852,832  $       680,446,278                                            
                                         ===================  ===================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                             MIST PYRAMIS        MIST SCHRODERS     MIST SSGA GROWTH         MIST SSGA      
                                             MANAGED RISK      GLOBAL MULTI-ASSET    AND INCOME ETF         GROWTH ETF      
                                              SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT     
                                         -------------------  -------------------  -------------------  ------------------- 
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............ $       163,513,477  $       493,381,059  $     1,513,705,698  $       501,804,786 
   Due from MetLife Insurance                                                                                               
     Company USA........................                  --                   --                    1                   -- 
                                         -------------------  -------------------  -------------------  ------------------- 
       Total Assets.....................         163,513,477          493,381,059        1,513,705,699          501,804,786 
                                         -------------------  -------------------  -------------------  ------------------- 
LIABILITIES:                                                                                                                
   Accrued fees.........................                  87                   79                   67                   81 
   Due to MetLife Insurance                                                                                                 
     Company USA........................                   1                    1                   --                   -- 
                                         -------------------  -------------------  -------------------  ------------------- 
       Total Liabilities................                  88                   80                   67                   81 
                                         -------------------  -------------------  -------------------  ------------------- 

NET ASSETS.............................. $       163,513,389  $       493,380,979  $     1,513,705,632  $       501,804,705 
                                         ===================  ===================  ===================  =================== 
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units... $       163,513,389  $       493,380,979  $     1,513,519,313  $       501,804,705 
   Net assets from contracts in payout..                  --                   --              186,319                   -- 
                                         -------------------  -------------------  -------------------  ------------------- 
       Total Net Assets................. $       163,513,389  $       493,380,979  $     1,513,705,632  $       501,804,705 
                                         ===================  ===================  ===================  =================== 


                                         MIST T. ROWE PRICE    MIST T. ROWE PRICE        MIST WMC        MSF BAILLIE GIFFORD
                                           LARGE CAP VALUE       MID CAP GROWTH     LARGE CAP RESEARCH   INTERNATIONAL STOCK
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  -------------------  -------------------  --------------------
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............ $       838,816,511  $       537,586,266  $        17,260,533  $        269,502,492
   Due from MetLife Insurance                                                                                               
     Company USA........................                  37                   --                   --                    --
                                         -------------------  -------------------  -------------------  --------------------
       Total Assets.....................         838,816,548          537,586,266           17,260,533           269,502,492
                                         -------------------  -------------------  -------------------  --------------------
LIABILITIES:                                                                                                                
   Accrued fees.........................                 126                   57                  138                    58
   Due to MetLife Insurance                                                                                                 
     Company USA........................                  --                    1                   --                     3
                                         -------------------  -------------------  -------------------  --------------------
       Total Liabilities................                 126                   58                  138                    61
                                         -------------------  -------------------  -------------------  --------------------

NET ASSETS.............................. $       838,816,422  $       537,586,208  $        17,260,395  $        269,502,431
                                         ===================  ===================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units... $       838,476,822  $       537,465,126  $        17,260,395  $        269,496,853
   Net assets from contracts in payout..             339,600              121,082                   --                 5,578
                                         -------------------  -------------------  -------------------  --------------------
       Total Net Assets................. $       838,816,422  $       537,586,208  $        17,260,395  $        269,502,431
                                         ===================  ===================  ===================  ====================


                                             MSF BARCLAYS          MSF BLACKROCK                                            
                                         AGGREGATE BOND INDEX       BOND INCOME                                             
                                              SUB-ACCOUNT           SUB-ACCOUNT                                             
                                         --------------------  -------------------                                          
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............  $       213,476,121  $        63,615,159                                          
   Due from MetLife Insurance                                                                                               
     Company USA........................                   --                   --                                          
                                         --------------------  -------------------                                          
       Total Assets.....................          213,476,121           63,615,159                                          
                                         --------------------  -------------------                                          
LIABILITIES:                                                                                                                
   Accrued fees.........................                  121                  113                                          
   Due to MetLife Insurance                                                                                                 
     Company USA........................                    1                    1                                          
                                         --------------------  -------------------                                          
       Total Liabilities................                  122                  114                                          
                                         --------------------  -------------------                                          

NET ASSETS..............................  $       213,475,999  $        63,615,045                                          
                                         ====================  ===================                                          
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units...  $       213,470,419  $        63,607,681                                          
   Net assets from contracts in payout..                5,580                7,364                                          
                                         --------------------  -------------------                                          
       Total Net Assets.................  $       213,475,999  $        63,615,045                                          
                                         ====================  ===================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]


                                             MSF BLACKROCK        MSF BLACKROCK         MSF BLACKROCK        MSF FRONTIER    
                                         CAPITAL APPRECIATION    LARGE CAP VALUE        MONEY MARKET        MID CAP GROWTH   
                                              SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                         --------------------  -------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $         14,686,667  $         4,201,574  $       395,886,560  $         81,297,599
   Due from MetLife Insurance                                                                                                
     Company USA........................                    2                   --                   57                    --
                                         --------------------  -------------------  -------------------  --------------------
       Total Assets.....................           14,686,669            4,201,574          395,886,617            81,297,599
                                         --------------------  -------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  241                    9                  250                    61
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   --                    1                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
       Total Liabilities................                  241                   10                  250                    61
                                         --------------------  -------------------  -------------------  --------------------

NET ASSETS.............................. $         14,686,428  $         4,201,564  $       395,886,367  $         81,297,538
                                         ====================  ===================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $         14,686,428  $         4,201,564  $       395,836,852  $         81,268,735
   Net assets from contracts in payout..                   --                   --               49,515                28,803
                                         --------------------  -------------------  -------------------  --------------------
       Total Net Assets................. $         14,686,428  $         4,201,564  $       395,886,367  $         81,297,538
                                         ====================  ===================  ===================  ====================



                                                  MSF           MSF LOOMIS SAYLES     MSF LOOMIS SAYLES    MSF MET/ARTISAN   
                                            JENNISON GROWTH      SMALL CAP CORE       SMALL CAP GROWTH      MID CAP VALUE    
                                              SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT     
                                         --------------------  -------------------  -------------------  ------------------- 
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        529,020,407  $        13,706,569  $           293,479  $       244,385,573 
   Due from MetLife Insurance                                                                                                
     Company USA........................                   --                   --                    1                   -- 
                                         --------------------  -------------------  -------------------  ------------------- 
       Total Assets.....................          529,020,407           13,706,569              293,480          244,385,573 
                                         --------------------  -------------------  -------------------  ------------------- 
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   83                   98                   47                   48 
   Due to MetLife Insurance                                                                                                  
     Company USA........................                    1                   --                   --                    2 
                                         --------------------  -------------------  -------------------  ------------------- 
       Total Liabilities................                   84                   98                   47                   50 
                                         --------------------  -------------------  -------------------  ------------------- 

NET ASSETS.............................. $        529,020,323  $        13,706,471  $           293,433  $       244,385,523 
                                         ====================  ===================  ===================  =================== 
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        528,638,813  $        13,706,471  $           293,433  $       244,204,544 
   Net assets from contracts in payout..              381,510                   --                   --              180,979 
                                         --------------------  -------------------  -------------------  ------------------- 
       Total Net Assets................. $        529,020,323  $        13,706,471  $           293,433  $       244,385,523 
                                         ====================  ===================  ===================  =================== 


                                          MSF MET/DIMENSIONAL                                                                
                                          INTERNATIONAL SMALL       MSF METLIFE                                              
                                                COMPANY         ASSET ALLOCATION 20                                          
                                              SUB-ACCOUNT           SUB-ACCOUNT                                              
                                         --------------------  --------------------                                          
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        58,174,167   $         41,687,651                                          
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                     --                                          
                                         --------------------  --------------------                                          
       Total Assets.....................          58,174,167             41,687,651                                          
                                         --------------------  --------------------                                          
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  78                    107                                          
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   1                      1                                          
                                         --------------------  --------------------                                          
       Total Liabilities................                  79                    108                                          
                                         --------------------  --------------------                                          

NET ASSETS.............................. $        58,174,088   $         41,687,543                                          
                                         ====================  ====================                                          
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        58,174,088   $         41,687,543                                          
   Net assets from contracts in payout..                  --                     --                                          
                                         --------------------  --------------------                                          
       Total Net Assets................. $        58,174,088   $         41,687,543                                          
                                         ====================  ====================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                              MSF METLIFE           MSF METLIFE           MSF METLIFE          MSF METLIFE    
                                          ASSET ALLOCATION 40   ASSET ALLOCATION 60   ASSET ALLOCATION 80  MID CAP STOCK INDEX
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  -------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $      4,991,456,871  $     7,527,991,215   $      6,507,894,396  $       127,735,941
   Due from MetLife Insurance                                                                                                 
     Company USA........................                   --                   --                      9                   --
                                         --------------------  --------------------  --------------------  -------------------
       Total Assets.....................        4,991,456,871        7,527,991,215          6,507,894,405          127,735,941
                                         --------------------  --------------------  --------------------  -------------------
LIABILITIES:                                                                                                                  
   Accrued fees.........................                   61                   58                     58                   69
   Due to MetLife Insurance                                                                                                   
     Company USA........................                    2                    1                     --                   --
                                         --------------------  --------------------  --------------------  -------------------
       Total Liabilities................                   63                   59                     58                   69
                                         --------------------  --------------------  --------------------  -------------------

NET ASSETS.............................. $      4,991,456,808  $     7,527,991,156   $      6,507,894,347  $       127,735,872
                                         ====================  ====================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $      4,990,904,086  $     7,526,229,859   $      6,507,167,274  $       127,735,872
   Net assets from contracts in payout..              552,722            1,761,297                727,073                   --
                                         --------------------  --------------------  --------------------  -------------------
       Total Net Assets................. $      4,991,456,808  $     7,527,991,156   $      6,507,894,347  $       127,735,872
                                         ====================  ====================  ====================  ===================


                                              MSF METLIFE              MSF                                     MSF MSCI       
                                              STOCK INDEX       MFS TOTAL RETURN        MSF MFS VALUE         EAFE INDEX      
                                              SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT     
                                         -------------------  --------------------  -------------------  -------------------- 
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $       610,830,320  $         45,817,625  $       255,402,150  $        101,223,384 
   Due from MetLife Insurance                                                                                                 
     Company USA........................                  --                    --                   --                     1 
                                         -------------------  --------------------  -------------------  -------------------- 
       Total Assets.....................         610,830,320            45,817,625          255,402,150           101,223,385 
                                         -------------------  --------------------  -------------------  -------------------- 
LIABILITIES:                                                                                                                  
   Accrued fees.........................                  87                   170                  179                    97 
   Due to MetLife Insurance                                                                                                   
     Company USA........................                  --                    --                    5                    -- 
                                         -------------------  --------------------  -------------------  -------------------- 
       Total Liabilities................                  87                   170                  184                    97 
                                         -------------------  --------------------  -------------------  -------------------- 

NET ASSETS.............................. $       610,830,233  $         45,817,455  $       255,401,966  $        101,223,288 
                                         ===================  ====================  ===================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $       610,688,854  $         45,817,455  $       255,392,733  $        101,223,288 
   Net assets from contracts in payout..             141,379                    --                9,233                    -- 
                                         -------------------  --------------------  -------------------  -------------------- 
       Total Net Assets................. $       610,830,233  $         45,817,455  $       255,401,966  $        101,223,288 
                                         ===================  ====================  ===================  ==================== 


                                             MSF NEUBERGER             MSF                                                    
                                            BERMAN GENESIS     RUSSELL 2000 INDEX                                             
                                              SUB-ACCOUNT          SUB-ACCOUNT                                                
                                         -------------------  --------------------                                            
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value............ $       150,104,356  $        144,858,222                                            
   Due from MetLife Insurance                                                                                                 
     Company USA........................                   1                    --                                            
                                         -------------------  --------------------                                            
       Total Assets.....................         150,104,357           144,858,222                                            
                                         -------------------  --------------------                                            
LIABILITIES:                                                                                                                  
   Accrued fees.........................                 132                    75                                            
   Due to MetLife Insurance                                                                                                   
     Company USA........................                  --                     1                                            
                                         -------------------  --------------------                                            
       Total Liabilities................                 132                    76                                            
                                         -------------------  --------------------                                            

NET ASSETS.............................. $       150,104,225  $        144,858,146                                            
                                         ===================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units... $       150,074,776  $        144,858,146                                            
   Net assets from contracts in payout..              29,449                    --                                            
                                         -------------------  --------------------                                            
       Total Net Assets................. $       150,104,225  $        144,858,146                                            
                                         ===================  ====================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                                                       MSF VAN ECK        MSF WESTERN ASSET  
                                          MSF T. ROWE PRICE     MSF T. ROWE PRICE    GLOBAL NATURAL     MANAGEMENT STRATEGIC 
                                          LARGE CAP GROWTH      SMALL CAP GROWTH        RESOURCES        BOND OPPORTUNITIES  
                                             SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT     
                                         -------------------  -------------------  -------------------  -------------------- 
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       166,959,423  $         9,976,456  $        89,288,183  $            12,748  
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                    1                   --                   --  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Assets.....................         166,959,423            9,976,457           89,288,183               12,748  
                                         -------------------  -------------------  -------------------  -------------------- 
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  86                   37                   54                    5  
   Due to MetLife Insurance                                                                                                  
     Company USA........................                  --                   --                    1                   --  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Liabilities................                  86                   37                   55                    5  
                                         -------------------  -------------------  -------------------  -------------------- 

NET ASSETS.............................. $       166,959,337  $         9,976,420  $        89,288,128  $            12,743  
                                         ===================  ===================  ===================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       166,918,677  $         9,976,420  $        89,288,128  $            12,743  
   Net assets from contracts in payout..              40,660                   --                   --                   --  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Net Assets................. $       166,959,337  $         9,976,420  $        89,288,128  $            12,743  
                                         ===================  ===================  ===================  ==================== 


                                          MSF WESTERN ASSET          MSF WMC                                                 
                                             MANAGEMENT            CORE EQUITY           NEUBERGER          OPPENHEIMER VA   
                                           U.S. GOVERNMENT        OPPORTUNITIES       BERMAN GENESIS           CORE BOND     
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       276,085,791  $        609,015,260  $             9,019  $              8,346
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                    --                   --                     1
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................         276,085,791           609,015,260                9,019                 8,347
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 128                   147                    6                     1
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   1                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                 129                   147                    6                     1
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $       276,085,662  $        609,015,113  $             9,013  $              8,346
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       276,070,488  $        608,686,202  $             9,013  $              8,346
   Net assets from contracts in payout..              15,174               328,911                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $       276,085,662  $        609,015,113  $             9,013  $              8,346
                                         ===================  ====================  ===================  ====================


                                           OPPENHEIMER VA        OPPENHEIMER VA                                              
                                          GLOBAL STRATEGIC         MAIN STREET                                               
                                               INCOME               SMALL CAP                                                
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $             4,558  $        126,466,517                                           
   Due from MetLife Insurance                                                                                                
     Company USA........................                   1                    --                                           
                                         -------------------  --------------------                                           
       Total Assets.....................               4,559           126,466,517                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   3                     2                                           
   Due to MetLife Insurance                                                                                                  
     Company USA........................                  --                     1                                           
                                         -------------------  --------------------                                           
       Total Liabilities................                   3                     3                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $             4,556  $        126,466,514                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $             4,556  $        126,466,514                                           
   Net assets from contracts in payout..                  --                    --                                           
                                         -------------------  --------------------                                           
       Total Net Assets................. $             4,556  $        126,466,514                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                                                          PIMCO VIT            PIMCO VIT     
                                            OPPENHEIMER VA        OPPENHEIMER VA     COMMODITYREALRETURN       EMERGING      
                                              MAIN STREET              MONEY              STRATEGY            MARKET BOND    
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                         --------------------  -------------------  --------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $            106,093  $             3,803  $             13,183  $            15,210
   Due from MetLife Insurance                                                                                                
     Company USA........................                   --                   --                    --                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Assets.....................              106,093                3,803                13,183               15,210
                                         --------------------  -------------------  --------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                    8                   10                    13                    7
   Due to MetLife Insurance                                                                                                  
     Company USA........................                   --                   --                    --                    1
                                         --------------------  -------------------  --------------------  -------------------
       Total Liabilities................                    8                   10                    13                    8
                                         --------------------  -------------------  --------------------  -------------------

NET ASSETS.............................. $            106,085  $             3,793  $             13,170  $            15,202
                                         ====================  ===================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $            106,085  $             3,793  $             13,170  $            15,202
   Net assets from contracts in payout..                   --                   --                    --                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Net Assets................. $            106,085  $             3,793  $             13,170  $            15,202
                                         ====================  ===================  ====================  ===================



                                              PIMCO VIT            PIONEER VCT          PIONEER VCT          T. ROWE PRICE   
                                         UNCONSTRAINED BOND       MID CAP VALUE     REAL ESTATE SHARES       GROWTH STOCK    
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $             4,760  $         74,903,043  $           249,972  $          7,511,743
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                     1                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................               4,760            74,903,044              249,972             7,511,743
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   1                    48                   93                    --
   Due to MetLife Insurance                                                                                                  
     Company USA........................                  --                    --                   --                     1
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                   1                    48                   93                     1
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $             4,759  $         74,902,996  $           249,879  $          7,511,742
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $             4,759  $         74,902,996  $           249,879  $          7,511,742
   Net assets from contracts in payout..                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $             4,759  $         74,902,996  $           249,879  $          7,511,742
                                         ===================  ====================  ===================  ====================



                                            T. ROWE PRICE         T. ROWE PRICE                                              
                                         INTERNATIONAL STOCK      PRIME RESERVE                                              
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  -------------------                                            
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $           623,024  $           514,215                                            
   Due from MetLife Insurance                                                                                                
     Company USA........................                  --                   --                                            
                                         -------------------  -------------------                                            
       Total Assets.....................             623,024              514,215                                            
                                         -------------------  -------------------                                            
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  --                   --                                            
   Due to MetLife Insurance                                                                                                  
     Company USA........................                  --                   --                                            
                                         -------------------  -------------------                                            
       Total Liabilities................                  --                   --                                            
                                         -------------------  -------------------                                            

NET ASSETS.............................. $           623,024  $           514,215                                            
                                         ===================  ===================                                            
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $           623,024  $           514,215                                            
   Net assets from contracts in payout..                  --                   --                                            
                                         -------------------  -------------------                                            
       Total Net Assets................. $           623,024  $           514,215                                            
                                         ===================  ===================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONCLUDED)   
DECEMBER 31, 2014   

                                                        [Enlarge/Download Table]

                                                                  TAP 1919 VARIABLE                              VAN ECK VIP    
                                                                 SOCIALLY RESPONSIVE       UIF GLOBAL            LONG/SHORT     
                                                                      BALANCED           INFRASTRUCTURE         EQUITY INDEX    
                                                                     SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                                                --------------------  --------------------  --------------------
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value................................... $            253,880  $              8,469  $             16,779
   Due from MetLife Insurance                                                                                                   
     Company USA...............................................                    1                    --                    --
                                                                --------------------  --------------------  --------------------
        Total Assets...........................................              253,881                 8,469                16,779
                                                                --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                    
   Accrued fees................................................                   41                     4                     9
   Due to MetLife Insurance                                                                                                     
     Company USA...............................................                   --                    --                     1
                                                                --------------------  --------------------  --------------------
        Total Liabilities......................................                   41                     4                    10
                                                                --------------------  --------------------  --------------------

NET ASSETS..................................................... $            253,840  $              8,465  $             16,769
                                                                ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units.......................... $            253,840  $              8,465  $             16,769
   Net assets from contracts in payout.........................                   --                    --                    --
                                                                --------------------  --------------------  --------------------
        Total Net Assets....................................... $            253,840  $              8,465  $             16,769
                                                                ====================  ====================  ====================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS    
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                                                                               AMERICAN FUNDS  
                                                    ALGER            AMERICAN FUNDS       AMERICAN FUNDS        GLOBAL SMALL   
                                              SMALL CAP GROWTH            BOND             GLOBAL GROWTH       CAPITALIZATION  
                                                 SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $                --  $         2,943,284  $         3,596,844  $           152,541
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................              798,826            1,659,056            3,693,821            1,418,413
      Administrative charges...............                   --              378,400              772,469              263,914
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................              798,826            2,037,456            4,466,290            1,682,327
                                             -------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....            (798,826)              905,828            (869,446)          (1,529,786)
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........            5,263,274               55,659           30,333,970              555,180
      Realized gains (losses) on sale of                                                                                       
        investments........................              531,702              250,756            4,507,434            2,222,446
                                             -------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......            5,794,976              306,415           34,841,404            2,777,626
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................          (5,736,249)            4,487,780         (31,374,425)            (217,375)
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................               58,727            4,794,195            3,466,979            2,560,251
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $         (740,099)  $         5,700,023  $         2,597,533  $         1,030,465
                                             ===================  ===================  ===================  ===================



                                                AMERICAN FUNDS       AMERICAN FUNDS      BLACKROCK GLOBAL        DEUTSCHE I    
                                                    GROWTH            GROWTH-INCOME       ALLOCATION V.I.       INTERNATIONAL  
                                                  SUB-ACCOUNT          SUB-ACCOUNT        SUB-ACCOUNT (a)        SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $         6,425,095  $         4,950,647  $               183  $           303,234
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................            9,986,171            4,847,033                    6              233,075
      Administrative charges...............            1,993,293              885,227                    1                   --
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................           11,979,464            5,732,260                    7              233,075
                                             -------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....          (5,554,369)            (781,613)                  176               70,159
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........           40,539,557           18,739,094                  655                   --
      Realized gains (losses) on sale of                                                                                       
        investments........................           33,606,757           12,219,050                   --            (332,105)
                                             -------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......           74,146,314           30,958,144                  655            (332,105)
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................         (13,021,445)            3,352,629                (974)          (2,003,646)
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           61,124,869           34,310,773                (319)          (2,335,751)
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        55,570,500  $        33,529,160  $             (143)  $       (2,265,592)
                                             ===================  ===================  ===================  ===================



                                               FEDERATED HIGH          FEDERATED                                               
                                                 INCOME BOND            KAUFMAN                                                
                                                 SUB-ACCOUNT          SUB-ACCOUNT                                              
                                             -------------------  -------------------                                          
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $             1,573  $                --                                          
                                             -------------------  -------------------                                          
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................                  374                  636                                          
      Administrative charges...............                   --                   --                                          
                                             -------------------  -------------------                                          
        Total expenses.....................                  374                  636                                          
                                             -------------------  -------------------                                          
          Net investment income (loss).....                1,199                (636)                                          
                                             -------------------  -------------------                                          
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........                   --                4,778                                          
      Realized gains (losses) on sale of                                                                                       
        investments........................                    1                  482                                          
                                             -------------------  -------------------                                          
          Net realized gains (losses)......                    1                5,260                                          
                                             -------------------  -------------------                                          
      Change in unrealized gains (losses)                                                                                      
        on investments.....................                (866)              (1,010)                                          
                                             -------------------  -------------------                                          
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................                (865)                4,250                                          
                                             -------------------  -------------------                                          
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $               334  $             3,614                                          
                                             ===================  ===================                                          

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                FIDELITY VIP          FIDELITY VIP         FIDELITY VIP          FIDELITY VIP    
                                                ASSET MANAGER          CONTRAFUND          EQUITY-INCOME       FUNDSMANAGER 50%  
                                                 SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  --------------------  -------------------  --------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $         1,289,608  $          5,468,276  $           159,700  $         39,994,738
                                             -------------------  --------------------  -------------------  --------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................            1,189,338             7,421,280               81,418            54,593,742
      Administrative charges...............                   --               915,061                   --                    --
                                             -------------------  --------------------  -------------------  --------------------
        Total expenses.....................            1,189,338             8,336,341               81,418            54,593,742
                                             -------------------  --------------------  -------------------  --------------------
           Net investment income (loss)....              100,270           (2,868,065)               78,282          (14,599,004)
                                             -------------------  --------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........            4,083,560            12,377,051               79,224            27,091,468
      Realized gains (losses) on sale of                                                                                         
        investments........................            1,009,810            26,454,957               53,544                 2,515
                                             -------------------  --------------------  -------------------  --------------------
           Net realized gains (losses).....            5,093,370            38,832,008              132,768            27,093,983
                                             -------------------  --------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................          (1,349,291)            25,038,910              191,058            69,079,003
                                             -------------------  --------------------  -------------------  --------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................            3,744,079            63,870,918              323,826            96,172,986
                                             -------------------  --------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $         3,844,349  $         61,002,853  $           402,108  $         81,573,982
                                             ===================  ====================  ===================  ====================


                                                 FIDELITY VIP          FIDELITY VIP         FIDELITY VIP          FIDELITY VIP   
                                               FUNDSMANAGER 60%           GROWTH              INDEX 500              MID CAP     
                                                  SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT   
                                             --------------------  -------------------  --------------------  -------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $         49,645,312  $           308,790  $          1,101,320  $            84,231
                                             --------------------  -------------------  --------------------  -------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................            79,383,909            2,269,180               934,355            4,909,789
      Administrative charges...............                    --                   --                    --            1,100,532
                                             --------------------  -------------------  --------------------  -------------------
        Total expenses.....................            79,383,909            2,269,180               934,355            6,010,321
                                             --------------------  -------------------  --------------------  -------------------
           Net investment income (loss)....          (29,738,597)          (1,960,390)               166,965          (5,926,090)
                                             --------------------  -------------------  --------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........           106,313,573                   --                61,135           10,457,143
      Realized gains (losses) on sale of                                                                                         
        investments........................            44,775,147            6,685,051             2,907,020            5,343,375
                                             --------------------  -------------------  --------------------  -------------------
           Net realized gains (losses).....           151,088,720            6,685,051             2,968,155           15,800,518
                                             --------------------  -------------------  --------------------  -------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................            10,595,817           11,054,078             4,754,472           10,107,932
                                             --------------------  -------------------  --------------------  -------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................           161,684,537           17,739,129             7,722,627           25,908,450
                                             --------------------  -------------------  --------------------  -------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $        131,945,940  $        15,778,739  $          7,889,592  $        19,982,360
                                             ====================  ===================  ====================  ===================


                                                FIDELITY VIP          FIDELITY VIP                                               
                                                MONEY MARKET            OVERSEAS                                                 
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                               
                                             -------------------  --------------------                                           
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $             8,944  $             71,100                                           
                                             -------------------  --------------------                                           
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................            1,625,244                68,683                                           
      Administrative charges...............                   --                    --                                           
                                             -------------------  --------------------                                           
        Total expenses.....................            1,625,244                68,683                                           
                                             -------------------  --------------------                                           
           Net investment income (loss)....          (1,616,300)                 2,417                                           
                                             -------------------  --------------------                                           
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                   --                 1,431                                           
      Realized gains (losses) on sale of                                                                                         
        investments........................                   --                58,714                                           
                                             -------------------  --------------------                                           
           Net realized gains (losses).....                   --                60,145                                           
                                             -------------------  --------------------                                           
      Change in unrealized gains (losses)                                                                                        
        on investments.....................                   --             (589,122)                                           
                                             -------------------  --------------------                                           
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................                   --             (528,977)                                           
                                             -------------------  --------------------                                           
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $       (1,616,300)  $          (526,560)                                           
                                             ===================  ====================                                           

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                FTVIPT FRANKLIN      FTVIPT FRANKLIN       FTVIPT FRANKLIN     FTVIPT TEMPLETON  
                                                  INCOME VIP        MUTUAL SHARES VIP    SMALL CAP VALUE VIP      FOREIGN VIP    
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  --------------------  --------------------  -------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $        15,199,458  $          3,135,687  $           766,132   $         1,533,782
                                             -------------------  --------------------  --------------------  -------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................            3,401,258             1,778,227            1,360,274             1,279,065
      Administrative charges...............              763,744               391,037              313,235               206,418
                                             -------------------  --------------------  --------------------  -------------------
        Total expenses.....................            4,165,002             2,169,264            1,673,509             1,485,483
                                             -------------------  --------------------  --------------------  -------------------
           Net investment income (loss)....           11,034,456               966,423            (907,377)                48,299
                                             -------------------  --------------------  --------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                   --               815,306            9,238,289                    --
      Realized gains (losses) on sale of                                                                                         
        investments........................            2,072,298             3,503,129            2,014,411             1,031,529
                                             -------------------  --------------------  --------------------  -------------------
           Net realized gains (losses).....            2,072,298             4,318,435           11,252,700             1,031,529
                                             -------------------  --------------------  --------------------  -------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................          (3,371,554)             3,347,372         (11,208,452)          (11,682,571)
                                             -------------------  --------------------  --------------------  -------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................          (1,299,256)             7,665,807               44,248          (10,651,042)
                                             -------------------  --------------------  --------------------  -------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $         9,735,200  $          8,632,230  $         (863,129)   $      (10,602,743)
                                             ===================  ====================  ====================  ===================


                                               FTVIPT TEMPLETON       INVESCO V.I.          INVESCO V.I.         INVESCO V.I.    
                                                GLOBAL BOND VIP    AMERICAN FRANCHISE        CORE EQUITY       EQUITY AND INCOME 
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  --------------------  --------------------  -------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $        13,120,254  $                 --  $              2,179  $        10,470,109
                                             -------------------  --------------------  --------------------  -------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................            2,781,549                   724                 3,500            7,442,427
      Administrative charges...............              642,197                    --                    --            1,660,128
                                             -------------------  --------------------  --------------------  -------------------
        Total expenses.....................            3,423,746                   724                 3,500            9,102,555
                                             -------------------  --------------------  --------------------  -------------------
           Net investment income (loss)....            9,696,508                 (724)               (1,321)            1,367,554
                                             -------------------  --------------------  --------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                   --                    --                 1,217           32,290,517
      Realized gains (losses) on sale of                                                                                         
        investments........................             (97,489)                46,339                12,927           10,802,571
                                             -------------------  --------------------  --------------------  -------------------
           Net realized gains (losses).....             (97,489)                46,339                14,144           43,093,088
                                             -------------------  --------------------  --------------------  -------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................          (8,236,911)              (52,381)                 2,433            2,305,377
                                             -------------------  --------------------  --------------------  -------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................          (8,334,400)               (6,042)                16,577           45,398,465
                                             -------------------  --------------------  --------------------  -------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $         1,362,108  $            (6,766)  $             15,256  $        46,766,019
                                             ===================  ====================  ====================  ===================


                                                 INVESCO V.I.          INVESCO V.I.                                              
                                               GROWTH AND INCOME   INTERNATIONAL GROWTH                                          
                                                  SUB-ACCOUNT           SUB-ACCOUNT                                              
                                             --------------------  --------------------                                          
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $                126  $         3,897,094                                           
                                             --------------------  --------------------                                          
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................             1,274,926            3,099,816                                           
      Administrative charges...............               285,712              703,728                                           
                                             --------------------  --------------------                                          
        Total expenses.....................             1,560,638            3,803,544                                           
                                             --------------------  --------------------                                          
           Net investment income (loss)....           (1,560,512)               93,550                                           
                                             --------------------  --------------------                                          
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                   817                   --                                           
      Realized gains (losses) on sale of                                                                                         
        investments........................           119,592,828            3,452,220                                           
                                             --------------------  --------------------                                          
           Net realized gains (losses).....           119,593,645            3,452,220                                           
                                             --------------------  --------------------                                          
      Change in unrealized gains (losses)                                                                                        
        on investments.....................         (115,750,581)          (6,631,350)                                           
                                             --------------------  --------------------                                          
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................             3,843,064          (3,179,130)                                           
                                             --------------------  --------------------                                          
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $          2,282,552  $       (3,085,580)                                           
                                             ====================  ====================                                          

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                                         LMPVET                LMPVET                LMPVET       
                                                IVY FUNDS VIP     CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE
                                               ASSET STRATEGY       AGGRESSIVE GROWTH       APPRECIATION          EQUITY INCOME   
                                               SUB-ACCOUNT (a)         SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  --------------------  --------------------  --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $                --   $           520,648   $         4,838,410   $         4,076,515
                                             -------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges......................                    5             3,545,931             4,691,757             2,270,124
      Administrative charges...............                    1               755,366             1,029,463               498,162
                                             -------------------  --------------------  --------------------  --------------------
        Total expenses.....................                    6             4,301,297             5,721,220             2,768,286
                                             -------------------  --------------------  --------------------  --------------------
          Net investment income (loss).....                  (6)           (3,780,649)             (882,810)             1,308,229
                                             -------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........                   --            19,619,365            16,068,149                    --
      Realized gains (losses) on sale of                                                                                          
        investments........................                   --            13,107,269             7,597,048             4,299,834
                                             -------------------  --------------------  --------------------  --------------------
          Net realized gains (losses)......                   --            32,726,634            23,665,197             4,299,834
                                             -------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                         
        on investments.....................                (526)            22,284,631            14,760,295            16,931,806
                                             -------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................                (526)            55,011,265            38,425,492            21,231,640
                                             -------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $             (532)   $        51,230,616   $        37,542,682   $        22,539,869
                                             ===================  ====================  ====================  ====================


                                                    LMPVET                LMPVET                LMPVET                LMPVET      
                                             CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE   PERMAL ALTERNATIVE
                                               LARGE CAP GROWTH       LARGE CAP VALUE      SMALL CAP GROWTH         SELECT VIT    
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT (a) 
                                             --------------------  --------------------  --------------------  -------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $            23,233   $           152,233   $                --   $             1,231
                                             --------------------  --------------------  --------------------  -------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges......................               73,244               116,402             1,270,738                   210
      Administrative charges...............               12,057                19,407               272,921                    49
                                             --------------------  --------------------  --------------------  -------------------
        Total expenses.....................               85,301               135,809             1,543,659                   259
                                             --------------------  --------------------  --------------------  -------------------
          Net investment income (loss).....             (62,068)                16,424           (1,543,659)                   972
                                             --------------------  --------------------  --------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........              604,827               624,894            12,271,711                    --
      Realized gains (losses) on sale of                                                                                          
        investments........................              314,912               201,624             2,590,249                    --
                                             --------------------  --------------------  --------------------  -------------------
          Net realized gains (losses)......              919,739               826,518            14,861,960                    --
                                             --------------------  --------------------  --------------------  -------------------
      Change in unrealized gains (losses)                                                                                         
        on investments.....................            (332,781)              (94,646)          (10,235,288)                   314
                                             --------------------  --------------------  --------------------  -------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................              586,958               731,872             4,626,672                   314
                                             --------------------  --------------------  --------------------  -------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $           524,890   $           748,296   $         3,083,013   $             1,286
                                             ====================  ====================  ====================  ===================


                                                    LMPVET               LMPVET                                                   
                                              VARIABLE LIFESTYLE   VARIABLE LIFESTYLE                                             
                                                ALLOCATION 50%       ALLOCATION 70%                                               
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                                
                                             -------------------  -------------------                                             
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $         1,082,804  $            38,179                                             
                                             -------------------  -------------------                                             
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges......................              486,828               30,279                                             
      Administrative charges...............              109,932                5,490                                             
                                             -------------------  -------------------                                             
        Total expenses.....................              596,760               35,769                                             
                                             -------------------  -------------------                                             
          Net investment income (loss).....              486,044                2,410                                             
                                             -------------------  -------------------                                             
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........                   --                   --                                             
      Realized gains (losses) on sale of                                                                                          
        investments........................            1,019,129              134,694                                             
                                             -------------------  -------------------                                             
          Net realized gains (losses)......            1,019,129              134,694                                             
                                             -------------------  -------------------                                             
      Change in unrealized gains (losses)                                                                                         
        on investments.....................             (36,134)             (62,721)                                             
                                             -------------------  -------------------                                             
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................              982,995               71,973                                             
                                             -------------------  -------------------                                             
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $         1,469,039  $            74,383                                             
                                             ===================  ===================                                             

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]


                                                   LMPVET            LMPVIT WESTERN                                              
                                             VARIABLE LIFESTYLE   ASSET VARIABLE GLOBAL         MFS VIT              MFS VIT     
                                               ALLOCATION 85%        HIGH YIELD BOND        INVESTORS TRUST       NEW DISCOVERY  
                                                 SUB-ACCOUNT           SUB-ACCOUNT            SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  ---------------------  -------------------  -------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $         1,656,044  $         7,537,431    $                88  $                --
                                             -------------------  ---------------------  -------------------  -------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................            1,048,102            1,239,948                    201                  579
      Administrative charges...............              234,319              265,108                     --                   --
                                             -------------------  ---------------------  -------------------  -------------------
        Total expenses.....................            1,282,421            1,505,056                    201                  579
                                             -------------------  ---------------------  -------------------  -------------------
          Net investment income (loss).....              373,623            6,032,375                  (113)                (579)
                                             -------------------  ---------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........            2,933,617                   --                    720                8,458
      Realized gains (losses) on sale of                                                                                         
        investments........................            2,501,026              113,974                  6,712                  508
                                             -------------------  ---------------------  -------------------  -------------------
          Net realized gains (losses)......            5,434,643              113,974                  7,432                8,966
                                             -------------------  ---------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................          (2,807,313)          (8,718,909)                (6,574)             (12,305)
                                             -------------------  ---------------------  -------------------  -------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................            2,627,330          (8,604,935)                    858              (3,339)
                                             -------------------  ---------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $         3,000,953  $       (2,572,560)    $               745  $           (3,918)
                                             ===================  =====================  ===================  ===================


                                                                          MIST                 MIST                              
                                                                    ALLIANCEBERNSTEIN     ALLIANZ GLOBAL        MIST AMERICAN    
                                                                     GLOBAL DYNAMIC      INVESTORS DYNAMIC     FUNDS BALANCED    
                                               MFS VIT RESEARCH        ALLOCATION        MULTI-ASSET PLUS        ALLOCATION      
                                                  SUB-ACCOUNT          SUB-ACCOUNT        SUB-ACCOUNT (b)        SUB-ACCOUNT     
                                             -------------------  -------------------  --------------------  ------------------- 
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $               387  $        65,209,125  $             80,594  $        43,573,207 
                                             -------------------  -------------------  --------------------  ------------------- 
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................                  682           39,348,602                60,973           44,254,065 
      Administrative charges...............                   --            8,397,787                14,797            8,594,116 
                                             -------------------  -------------------  --------------------  ------------------- 
        Total expenses.....................                  682           47,746,389                75,770           52,848,181 
                                             -------------------  -------------------  --------------------  ------------------- 
          Net investment income (loss).....                (295)           17,462,736                 4,824          (9,274,974) 
                                             -------------------  -------------------  --------------------  ------------------- 
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                3,513           64,924,369               169,949          332,687,325 
      Realized gains (losses) on sale of                                                                                         
        investments........................               15,644           26,348,829                 1,372           45,787,128 
                                             -------------------  -------------------  --------------------  ------------------- 
          Net realized gains (losses)......               19,157           91,273,198               171,321          378,474,453 
                                             -------------------  -------------------  --------------------  ------------------- 
      Change in unrealized gains (losses)                                                                                        
        on investments.....................             (16,582)           81,273,478                67,003        (221,142,935) 
                                             -------------------  -------------------  --------------------  ------------------- 
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................                2,575          172,546,676               238,324          157,331,518 
                                             -------------------  -------------------  --------------------  ------------------- 
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $             2,280  $       190,009,412  $            243,148  $       148,056,544 
                                             ===================  ===================  ====================  =================== 



                                                MIST AMERICAN                                                                    
                                                FUNDS GROWTH          MIST AMERICAN                                              
                                                 ALLOCATION           FUNDS GROWTH                                               
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                               
                                             -------------------  -------------------                                            
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $        19,016,568  $         3,496,860                                            
                                             -------------------  -------------------                                            
EXPENSES:                                                                                                                        
      Mortality and expense risk and                                                                                             
        other charges......................           24,317,518            8,083,381                                            
      Administrative charges...............            4,628,783            1,577,377                                            
                                             -------------------  -------------------                                            
        Total expenses.....................           28,946,301            9,660,758                                            
                                             -------------------  -------------------                                            
          Net investment income (loss).....          (9,929,733)          (6,163,898)                                            
                                             -------------------  -------------------                                            
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........          282,001,792           37,016,758                                            
      Realized gains (losses) on sale of                                                                                         
        investments........................           29,425,874           21,121,263                                            
                                             -------------------  -------------------                                            
          Net realized gains (losses)......          311,427,666           58,138,021                                            
                                             -------------------  -------------------                                            
      Change in unrealized gains (losses)                                                                                        
        on investments.....................        (216,740,668)         (11,947,440)                                            
                                             -------------------  -------------------                                            
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................           94,686,998           46,190,581                                            
                                             -------------------  -------------------                                            
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $        84,757,265  $        40,026,683                                            
                                             ===================  ===================                                            

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                 MIST AMERICAN          MIST AQR          MIST BLACKROCK                       
                                                FUNDS MODERATE         GLOBAL RISK        GLOBAL TACTICAL      MIST BLACKROCK  
                                                  ALLOCATION            BALANCED            STRATEGIES           HIGH YIELD    
                                                  SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $        25,942,038  $                --  $        61,497,671  $        16,189,549
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................           22,791,824           37,431,539           64,217,014            3,498,630
      Administrative charges...............            4,438,090            8,010,789           13,701,030              665,106
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................           27,229,914           45,442,328           77,918,044            4,163,736
                                             -------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....          (1,287,876)         (45,442,328)         (16,420,373)           12,025,813
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........          154,394,431           14,732,500          290,055,944           12,328,315
      Realized gains (losses) on sale of                                                                                       
        investments........................           22,369,485            8,917,836           36,092,852              388,485
                                             -------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......          176,763,916           23,650,336          326,148,796           12,716,800
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................         (97,636,993)          108,694,006         (72,592,431)         (19,968,507)
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           79,126,923          132,344,342          253,556,365          (7,251,707)
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        77,839,047  $        86,902,014  $       237,135,992  $         4,774,106
                                             ===================  ===================  ===================  ===================


                                                                                              MIST                 MIST        
                                                MIST CLARION       MIST CLEARBRIDGE       GOLDMAN SACHS       HARRIS OAKMARK   
                                             GLOBAL REAL ESTATE    AGGRESSIVE GROWTH      MID CAP VALUE        INTERNATIONAL   
                                                 SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $         2,939,912  $           602,873  $           921,727  $        16,629,378
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................            3,712,146            7,298,827            2,322,451            9,229,813
      Administrative charges...............              713,293            1,360,440              429,183            1,727,882
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................            4,425,439            8,659,267            2,751,634           10,957,695
                                             -------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....          (1,485,527)          (8,056,394)          (1,829,907)            5,671,683
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........                   --                   --           29,842,041           66,592,068
      Realized gains (losses) on sale of                                                                                       
        investments........................            1,432,009           36,635,069            5,064,218            8,223,909
                                             -------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......            1,432,009           36,635,069           34,906,259           74,815,977
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................           29,887,079           56,948,433         (14,180,162)        (131,491,626)
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           31,319,088           93,583,502           20,726,097         (56,675,649)
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        29,833,561  $        85,527,108  $        18,896,190  $      (51,003,966)
                                             ===================  ===================  ===================  ===================


                                                MIST INVESCO                                                                   
                                                BALANCED-RISK        MIST INVESCO                                              
                                                 ALLOCATION            COMSTOCK                                                
                                                 SUB-ACCOUNT          SUB-ACCOUNT                                              
                                             -------------------  -------------------                                          
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $                --  $         4,170,318                                          
                                             -------------------  -------------------                                          
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................            9,454,240            8,375,886                                          
      Administrative charges...............            2,079,801            1,742,449                                          
                                             -------------------  -------------------                                          
        Total expenses.....................           11,534,041           10,118,335                                          
                                             -------------------  -------------------                                          
          Net investment income (loss).....         (11,534,041)          (5,948,017)                                          
                                             -------------------  -------------------                                          
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........           38,797,809                   --                                          
      Realized gains (losses) on sale of                                                                                       
        investments........................            1,704,073           19,778,596                                          
                                             -------------------  -------------------                                          
          Net realized gains (losses)......           40,501,882           19,778,596                                          
                                             -------------------  -------------------                                          
      Change in unrealized gains (losses)                                                                                      
        on investments.....................            4,357,344           42,690,949                                          
                                             -------------------  -------------------                                          
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           44,859,226           62,469,545                                          
                                             -------------------  -------------------                                          
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        33,325,185  $        56,521,528                                          
                                             ===================  ===================                                          

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                                                                               MIST JPMORGAN   
                                                 MIST INVESCO         MIST INVESCO        MIST JPMORGAN        GLOBAL ACTIVE   
                                                 MID CAP VALUE      SMALL CAP GROWTH        CORE BOND           ALLOCATION     
                                                  SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $           737,527  $                --  $         4,627,654  $         9,641,772
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................            2,870,504            4,044,756            4,232,507            9,836,384
      Administrative charges...............              559,463              768,448              813,815            2,139,255
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................            3,429,967            4,813,204            5,046,322           11,975,639
                                             -------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....          (2,692,440)          (4,813,204)            (418,668)          (2,333,867)
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........           27,568,499           36,435,193            1,754,274           26,321,334
      Realized gains (losses) on sale of                                                                                       
        investments........................            4,714,795           11,314,956            (459,411)            1,218,964
                                             -------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......           32,283,294           47,750,149            1,294,863           27,540,298
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................          (9,866,841)         (24,251,382)           10,102,500           19,805,708
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           22,416,453           23,498,767           11,397,363           47,346,006
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        19,724,013  $        18,685,563  $        10,978,695  $        45,012,139
                                             ===================  ===================  ===================  ===================


                                                                                                                   MIST        
                                                 MIST JPMORGAN    MIST LOOMIS SAYLES    MIST LORD ABBETT      MET/EATON VANCE  
                                                SMALL CAP VALUE     GLOBAL MARKETS       BOND DEBENTURE        FLOATING RATE   
                                                  SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $           291,033  $         3,650,465  $        14,555,989  $         2,980,447
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................              407,340            2,307,636            3,549,683            1,116,813
      Administrative charges...............               67,776              438,865              621,433              204,411
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................              475,116            2,746,501            4,171,116            1,321,224
                                             -------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....            (184,083)              903,964           10,384,873            1,659,223
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........            3,224,542                   --            7,077,870              370,498
      Realized gains (losses) on sale of                                                                                       
        investments........................              840,940            5,851,208            3,798,700            (159,240)
                                             -------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......            4,065,482            5,851,208           10,876,570              211,258
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................          (3,083,282)          (3,452,819)         (13,286,737)          (2,518,686)
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................              982,200            2,398,389          (2,410,167)          (2,307,428)
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $           798,117  $         3,302,353  $         7,974,706  $         (648,205)
                                             ===================  ===================  ===================  ===================


                                              MIST MET/FRANKLIN                                                                
                                                LOW DURATION      MIST MET/TEMPLETON                                           
                                                TOTAL RETURN      INTERNATIONAL BOND                                           
                                                 SUB-ACCOUNT          SUB-ACCOUNT                                              
                                             ------------------  -------------------                                           
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $        3,758,068  $         2,342,050                                           
                                             ------------------  -------------------                                           
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................           2,290,724              641,367                                           
      Administrative charges...............             436,996              126,381                                           
                                             ------------------  -------------------                                           
        Total expenses.....................           2,727,720              767,748                                           
                                             ------------------  -------------------                                           
          Net investment income (loss).....           1,030,348            1,574,302                                           
                                             ------------------  -------------------                                           
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........                  --                   --                                           
      Realized gains (losses) on sale of                                                                                       
        investments........................           (132,806)            (178,047)                                           
                                             ------------------  -------------------                                           
          Net realized gains (losses)......           (132,806)            (178,047)                                           
                                             ------------------  -------------------                                           
      Change in unrealized gains (losses)                                                                                      
        on investments.....................         (1,819,015)          (1,505,639)                                           
                                             ------------------  -------------------                                           
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................         (1,951,821)          (1,683,686)                                           
                                             ------------------  -------------------                                           
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        (921,473)  $         (109,384)                                           
                                             ==================  ===================                                           

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                                                            MIST METLIFE                        
                                                 MIST METLIFE          MIST METLIFE          MULTI-INDEX        MIST METLIFE    
                                             ASSET ALLOCATION 100      BALANCED PLUS        TARGETED RISK      SMALL CAP VALUE  
                                                  SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT    
                                             --------------------  -------------------  -------------------  -------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $         4,637,241   $       121,337,282  $                --  $           138,649
                                             --------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk and                                                                                            
        other charges......................            8,859,623            80,443,367            3,876,561            4,203,910
      Administrative charges...............            1,628,395            17,305,788              847,479              754,614
                                             --------------------  -------------------  -------------------  -------------------
        Total expenses.....................           10,488,018            97,749,155            4,724,040            4,958,524
                                             --------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....          (5,850,777)            23,588,127          (4,724,040)          (4,819,875)
                                             --------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........                   --           537,909,978            1,029,216           12,962,190
      Realized gains (losses) on sale of                                                                                        
        investments........................           16,294,442            14,161,916              411,784           15,771,165
                                             --------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......           16,294,442           552,071,894            1,441,000           28,733,355
                                             --------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                       
        on investments.....................           11,631,228          (36,064,867)           28,321,809         (23,969,258)
                                             --------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................           27,925,670           516,007,027           29,762,809            4,764,097
                                             --------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $        22,074,893   $       539,595,154  $        25,038,769  $          (55,778)
                                             ====================  ===================  ===================  ===================


                                                                         MIST                 MIST                              
                                              MIST MFS EMERGING      MFS RESEARCH        MORGAN STANLEY      MIST OPPENHEIMER   
                                               MARKETS EQUITY        INTERNATIONAL       MID CAP GROWTH        GLOBAL EQUITY    
                                                 SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT     
                                             ------------------  -------------------  -------------------  -------------------  
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $        3,828,445  $         7,109,698  $             2,610  $           623,583  
                                             ------------------  -------------------  -------------------  -------------------  
EXPENSES:                                                                                                                       
      Mortality and expense risk and                                                                                            
        other charges......................           5,849,647            4,255,944            2,821,599              823,705  
      Administrative charges...............           1,138,624              763,563              590,481              189,172  
                                             ------------------  -------------------  -------------------  -------------------  
        Total expenses.....................           6,988,271            5,019,507            3,412,080            1,012,877  
                                             ------------------  -------------------  -------------------  -------------------  
          Net investment income (loss).....         (3,159,826)            2,090,191          (3,409,470)            (389,294)  
                                             ------------------  -------------------  -------------------  -------------------  
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........                  --                   --                   --            2,284,012  
      Realized gains (losses) on sale of                                                                                        
        investments........................           2,820,880            1,753,034            5,684,794            1,211,781  
                                             ------------------  -------------------  -------------------  -------------------  
          Net realized gains (losses)......           2,820,880            1,753,034            5,684,794            3,495,793  
                                             ------------------  -------------------  -------------------  -------------------  
      Change in unrealized gains (losses)                                                                                       
        on investments.....................        (35,285,750)         (30,446,779)          (2,736,107)          (2,567,600)  
                                             ------------------  -------------------  -------------------  -------------------  
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................        (32,464,870)         (28,693,745)            2,948,687              928,193  
                                             ------------------  -------------------  -------------------  -------------------  
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $     (35,624,696)  $      (26,603,554)  $         (460,783)  $           538,899  
                                             ==================  ===================  ===================  ===================  


                                                     MIST                 MIST                                                  
                                                PANAGORA GLOBAL      PIMCO INFLATION                                            
                                               DIVERSIFIED RISK      PROTECTED BOND                                             
                                                SUB-ACCOUNT (b)        SUB-ACCOUNT                                              
                                             -------------------  -------------------                                           
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $            26,867  $        12,126,214                                           
                                             -------------------  -------------------                                           
EXPENSES:                                                                                                                       
      Mortality and expense risk and                                                                                            
        other charges......................               40,488           10,476,635                                           
      Administrative charges...............                9,901            1,964,476                                           
                                             -------------------  -------------------                                           
        Total expenses.....................               50,389           12,441,111                                           
                                             -------------------  -------------------                                           
          Net investment income (loss).....             (23,522)            (314,897)                                           
                                             -------------------  -------------------                                           
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........              194,785                   --                                           
      Realized gains (losses) on sale of                                                                                        
        investments........................               12,836         (10,840,115)                                           
                                             -------------------  -------------------                                           
          Net realized gains (losses)......              207,621         (10,840,115)                                           
                                             -------------------  -------------------                                           
      Change in unrealized gains (losses)                                                                                       
        on investments.....................            (153,203)           22,930,848                                           
                                             -------------------  -------------------                                           
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................               54,418           12,090,733                                           
                                             -------------------  -------------------                                           
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $            30,896  $        11,775,836                                           
                                             ===================  ===================                                           

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                    MIST                MIST             MIST PIONEER        MIST PYRAMIS    
                                             PIMCO TOTAL RETURN     PIONEER FUND       STRATEGIC INCOME    GOVERNMENT INCOME 
                                                 SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT    
                                             ------------------  -------------------  ------------------  -------------------
                                                                                                                             
INVESTMENT INCOME:                                                                                                           
      Dividends............................  $       44,715,531  $         4,964,495  $       47,381,038  $        17,867,325
                                             ------------------  -------------------  ------------------  -------------------
EXPENSES:                                                                                                                    
      Mortality and expense risk and                                                                                         
        other charges......................          25,204,204            3,397,763          10,744,260            7,894,371
      Administrative charges...............           4,655,125              749,286           2,378,040            1,719,147
                                             ------------------  -------------------  ------------------  -------------------
        Total expenses.....................          29,859,329            4,147,049          13,122,300            9,613,518
                                             ------------------  -------------------  ------------------  -------------------
          Net investment income (loss).....          14,856,202              817,446          34,258,738            8,253,807
                                             ------------------  -------------------  ------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                   
   UNREALIZED GAINS (LOSSES)                                                                                                 
   ON INVESTMENTS:                                                                                                           
      Realized gain distributions..........                  --           83,758,457           9,512,058                   --
      Realized gains (losses) on sale of                                                                                     
        investments........................         (1,792,640)            4,153,016           2,746,355          (2,556,572)
                                             ------------------  -------------------  ------------------  -------------------
          Net realized gains (losses)......         (1,792,640)           87,911,473          12,258,413          (2,556,572)
                                             ------------------  -------------------  ------------------  -------------------
      Change in unrealized gains (losses)                                                                                    
        on investments.....................          36,415,773         (61,223,094)        (17,661,136)           34,979,601
                                             ------------------  -------------------  ------------------  -------------------
      Net realized and change in                                                                                             
        unrealized gains (losses)                                                                                            
        on investments.....................          34,623,133           26,688,379         (5,402,723)           32,423,029
                                             ------------------  -------------------  ------------------  -------------------
      Net increase (decrease) in net assets                                                                                  
        resulting from operations..........  $       49,479,335  $        27,505,825  $       28,856,015  $        40,676,836
                                             ==================  ===================  ==================  ===================


                                                MIST PYRAMIS        MIST SCHRODERS     MIST SSGA GROWTH         MIST SSGA    
                                                MANAGED RISK      GLOBAL MULTI-ASSET    AND INCOME ETF         GROWTH ETF    
                                                 SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  ------------------  -------------------  ------------------
                                                                                                                             
INVESTMENT INCOME:                                                                                                           
      Dividends............................  $                --  $        6,219,544  $        34,660,381  $        9,464,132
                                             -------------------  ------------------  -------------------  ------------------
EXPENSES:                                                                                                                    
      Mortality and expense risk and                                                                                         
        other charges......................            1,430,326           5,467,098           19,537,196           6,511,544
      Administrative charges...............              301,410           1,180,854            3,869,634           1,260,972
                                             -------------------  ------------------  -------------------  ------------------
        Total expenses.....................            1,731,736           6,647,952           23,406,830           7,772,516
                                             -------------------  ------------------  -------------------  ------------------
          Net investment income (loss).....          (1,731,736)           (428,408)           11,253,551           1,691,616
                                             -------------------  ------------------  -------------------  ------------------
NET REALIZED AND CHANGE IN                                                                                                   
   UNREALIZED GAINS (LOSSES)                                                                                                 
   ON INVESTMENTS:                                                                                                           
      Realized gain distributions..........              387,657          17,005,335           91,560,188          31,239,331
      Realized gains (losses) on sale of                                                                                     
        investments........................              127,585           1,512,218           21,817,267           9,921,674
                                             -------------------  ------------------  -------------------  ------------------
          Net realized gains (losses)......              515,242          18,517,553          113,377,455          41,161,005
                                             -------------------  ------------------  -------------------  ------------------
      Change in unrealized gains (losses)                                                                                    
        on investments.....................            9,325,602          10,370,401         (60,416,484)        (24,023,767)
                                             -------------------  ------------------  -------------------  ------------------
      Net realized and change in                                                                                             
        unrealized gains (losses)                                                                                            
        on investments.....................            9,840,844          28,887,954           52,960,971          17,137,238
                                             -------------------  ------------------  -------------------  ------------------
      Net increase (decrease) in net assets                                                                                  
        resulting from operations..........  $         8,109,108  $       28,459,546  $        64,214,522  $       18,828,854
                                             ===================  ==================  ===================  ==================


                                             MIST T. ROWE PRICE   MIST T. ROWE PRICE                                         
                                               LARGE CAP VALUE      MID CAP GROWTH                                           
                                                 SUB-ACCOUNT          SUB-ACCOUNT                                            
                                             -------------------  ------------------                                         
                                                                                                                             
INVESTMENT INCOME:                                                                                                           
      Dividends............................  $         9,043,710  $               --                                         
                                             -------------------  ------------------                                         
EXPENSES:                                                                                                                    
      Mortality and expense risk and                                                                                         
        other charges......................           10,194,998           7,315,478                                         
      Administrative charges...............            1,441,290           1,368,814                                         
                                             -------------------  ------------------                                         
        Total expenses.....................           11,636,288           8,684,292                                         
                                             -------------------  ------------------                                         
          Net investment income (loss).....          (2,592,578)         (8,684,292)                                         
                                             -------------------  ------------------                                         
NET REALIZED AND CHANGE IN                                                                                                   
   UNREALIZED GAINS (LOSSES)                                                                                                 
   ON INVESTMENTS:                                                                                                           
      Realized gain distributions..........                   --          55,165,010                                         
      Realized gains (losses) on sale of                                                                                     
        investments........................           22,160,919          28,182,665                                         
                                             -------------------  ------------------                                         
          Net realized gains (losses)......           22,160,919          83,347,675                                         
                                             -------------------  ------------------                                         
      Change in unrealized gains (losses)                                                                                    
        on investments.....................           67,563,377        (17,691,662)                                         
                                             -------------------  ------------------                                         
      Net realized and change in                                                                                             
        unrealized gains (losses)                                                                                            
        on investments.....................           89,724,296          65,656,013                                         
                                             -------------------  ------------------                                         
      Net increase (decrease) in net assets                                                                                  
        resulting from operations..........  $        87,131,718  $       56,971,721                                         
                                             ===================  ==================                                         

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                  MIST WMC        MSF BAILLIE GIFFORD      MSF BARCLAYS         MSF BLACKROCK   
                                             LARGE CAP RESEARCH   INTERNATIONAL STOCK  AGGREGATE BOND INDEX      BOND INCOME    
                                                 SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  --------------------  -------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $           132,983  $        3,615,555   $         4,927,769   $         1,940,729
                                             -------------------  -------------------  --------------------  -------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk and                                                                                            
        other charges......................              243,807           3,720,735             2,348,125               850,832
      Administrative charges...............               41,487             718,128               450,463               137,316
                                             -------------------  -------------------  --------------------  -------------------
        Total expenses.....................              285,294           4,438,863             2,798,588               988,148
                                             -------------------  -------------------  --------------------  -------------------
          Net investment income (loss).....            (152,311)           (823,308)             2,129,181               952,581
                                             -------------------  -------------------  --------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........                   --                  --                    --                    --
      Realized gains (losses) on sale of                                                                                        
        investments........................              962,687           2,816,068             (108,055)                40,190
                                             -------------------  -------------------  --------------------  -------------------
          Net realized gains (losses)......              962,687           2,816,068             (108,055)                40,190
                                             -------------------  -------------------  --------------------  -------------------
      Change in unrealized gains (losses)                                                                                       
        on investments.....................            1,050,584        (15,452,332)             4,954,438             2,001,494
                                             -------------------  -------------------  --------------------  -------------------
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................            2,013,271        (12,636,264)             4,846,383             2,041,684
                                             -------------------  -------------------  --------------------  -------------------
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $         1,860,960  $     (13,459,572)   $         6,975,564   $         2,994,265
                                             ===================  ===================  ====================  ===================


                                                 MSF BLACKROCK        MSF BLACKROCK        MSF BLACKROCK        MSF FRONTIER    
                                             CAPITAL APPRECIATION    LARGE CAP VALUE       MONEY MARKET        MID CAP GROWTH   
                                                  SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                             --------------------  -------------------  -------------------  ------------------ 
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $             8,821   $            52,453  $                --  $               -- 
                                             --------------------  -------------------  -------------------  ------------------ 
EXPENSES:                                                                                                                       
      Mortality and expense risk and                                                                                            
        other charges......................              199,329                55,088            5,700,637           1,117,620 
      Administrative charges...............               31,137                     1            1,066,269             205,249 
                                             --------------------  -------------------  -------------------  ------------------ 
        Total expenses.....................              230,466                55,089            6,766,906           1,322,869 
                                             --------------------  -------------------  -------------------  ------------------ 
          Net investment income (loss).....            (221,645)               (2,636)          (6,766,906)         (1,322,869) 
                                             --------------------  -------------------  -------------------  ------------------ 
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........                   --               955,775                   --           7,739,497 
      Realized gains (losses) on sale of                                                                                        
        investments........................            1,124,532              (34,510)                   --           1,990,712 
                                             --------------------  -------------------  -------------------  ------------------ 
          Net realized gains (losses)......            1,124,532               921,265                   --           9,730,209 
                                             --------------------  -------------------  -------------------  ------------------ 
      Change in unrealized gains (losses)                                                                                       
        on investments.....................               32,868             (583,420)                   --         (1,239,505) 
                                             --------------------  -------------------  -------------------  ------------------ 
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................            1,157,400               337,845                   --           8,490,704 
                                             --------------------  -------------------  -------------------  ------------------ 
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $           935,755   $           335,209  $       (6,766,906)  $        7,167,835 
                                             ====================  ===================  ===================  ================== 


                                                      MSF          MSF LOOMIS SAYLES                                            
                                                JENNISON GROWTH     SMALL CAP CORE                                              
                                                  SUB-ACCOUNT         SUB-ACCOUNT                                               
                                             -------------------  -------------------                                           
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $           197,268  $                --                                           
                                             -------------------  -------------------                                           
EXPENSES:                                                                                                                       
      Mortality and expense risk and                                                                                            
        other charges......................            7,445,742              206,598                                           
      Administrative charges...............            1,355,668               34,490                                           
                                             -------------------  -------------------                                           
        Total expenses.....................            8,801,410              241,088                                           
                                             -------------------  -------------------                                           
          Net investment income (loss).....          (8,604,142)            (241,088)                                           
                                             -------------------  -------------------                                           
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........           30,187,427            1,865,120                                           
      Realized gains (losses) on sale of                                                                                        
        investments........................           26,920,084              455,815                                           
                                             -------------------  -------------------                                           
          Net realized gains (losses)......           57,107,511            2,320,935                                           
                                             -------------------  -------------------                                           
      Change in unrealized gains (losses)                                                                                       
        on investments.....................         (11,083,979)          (1,853,055)                                           
                                             -------------------  -------------------                                           
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................           46,023,532              467,880                                           
                                             -------------------  -------------------                                           
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $        37,419,390  $           226,792                                           
                                             ===================  ===================                                           

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                                                        MSF MET/DIMENSIONAL                       
                                               MSF LOOMIS SAYLES     MSF MET/ARTISAN    INTERNATIONAL SMALL      MSF METLIFE      
                                               SMALL CAP GROWTH       MID CAP VALUE           COMPANY        ASSET ALLOCATION 20  
                                                  SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT      
                                             -------------------  --------------------  -------------------  -------------------  
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $                --  $         1,472,681   $         1,248,428  $           264,075  
                                             -------------------  --------------------  -------------------  -------------------  
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges......................                2,311            3,618,266               828,219              301,504  
      Administrative charges...............                  583              624,727               154,213               55,991  
                                             -------------------  --------------------  -------------------  -------------------  
        Total expenses.....................                2,894            4,242,993               982,432              357,495  
                                             -------------------  --------------------  -------------------  -------------------  
          Net investment income (loss).....              (2,894)          (2,770,312)               265,996             (93,420)  
                                             -------------------  --------------------  -------------------  -------------------  
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........               30,933                   --             2,173,734              286,319  
      Realized gains (losses) on sale of                                                                                          
        investments........................                2,102            9,182,228             1,940,889              303,511  
                                             -------------------  --------------------  -------------------  -------------------  
          Net realized gains (losses)......               33,035            9,182,228             4,114,623              589,830  
                                             -------------------  --------------------  -------------------  -------------------  
      Change in unrealized gains (losses)                                                                                         
        on investments.....................             (27,964)          (6,138,938)           (9,176,434)             (85,239)  
                                             -------------------  --------------------  -------------------  -------------------  
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................                5,071            3,043,290           (5,061,811)              504,591  
                                             -------------------  --------------------  -------------------  -------------------  
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $             2,177  $           272,978   $       (4,795,815)  $           411,171  
                                             ===================  ====================  ===================  ===================  



                                                 MSF METLIFE           MSF METLIFE           MSF METLIFE           MSF METLIFE    
                                             ASSET ALLOCATION 40   ASSET ALLOCATION 60   ASSET ALLOCATION 80   MID CAP STOCK INDEX
                                                 SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  --------------------  --------------------  --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $           219,754  $           900,272   $           922,358   $          1,068,975
                                             -------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges......................           47,673,890           70,192,993            62,393,559              1,657,801
      Administrative charges...............            8,982,816           13,215,503            11,448,724                230,847
                                             -------------------  --------------------  --------------------  --------------------
        Total expenses.....................           56,656,706           83,408,496            73,842,283              1,888,648
                                             -------------------  --------------------  --------------------  --------------------
          Net investment income (loss).....         (56,436,952)         (82,508,224)          (72,919,925)              (819,673)
                                             -------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........              282,372            1,689,985                    --              5,986,438
      Realized gains (losses) on sale of                                                                                          
        investments........................           14,697,072           18,025,699            18,208,146              5,573,256
                                             -------------------  --------------------  --------------------  --------------------
          Net realized gains (losses)......           14,979,444           19,715,684            18,208,146             11,559,694
                                             -------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                         
        on investments.....................          181,094,658          325,337,909           313,139,176            (1,212,992)
                                             -------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................          196,074,102          345,053,593           331,347,322             10,346,702
                                             -------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $       139,637,150  $       262,545,369   $       258,427,397   $          9,527,029
                                             ===================  ====================  ====================  ====================



                                                 MSF METLIFE               MSF                                                    
                                                 STOCK INDEX        MFS TOTAL RETURN                                              
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                                
                                             -------------------  -------------------                                             
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $         8,650,510  $         1,037,227                                             
                                             -------------------  -------------------                                             
EXPENSES:                                                                                                                         
      Mortality and expense risk and                                                                                              
        other charges......................            8,169,934              634,571                                             
      Administrative charges...............            1,246,417               88,086                                             
                                             -------------------  -------------------                                             
        Total expenses.....................            9,416,351              722,657                                             
                                             -------------------  -------------------                                             
          Net investment income (loss).....            (765,841)              314,570                                             
                                             -------------------  -------------------                                             
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........           14,298,345                   --                                             
      Realized gains (losses) on sale of                                                                                          
        investments........................           24,689,374            1,124,465                                             
                                             -------------------  -------------------                                             
          Net realized gains (losses)......           38,987,719            1,124,465                                             
                                             -------------------  -------------------                                             
      Change in unrealized gains (losses)                                                                                         
        on investments.....................           23,647,160            1,597,039                                             
                                             -------------------  -------------------                                             
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................           62,634,879            2,721,504                                             
                                             -------------------  -------------------                                             
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $        61,869,038  $         3,036,074                                             
                                             ===================  ===================                                             

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]


                                                                       MSF MSCI           MSF NEUBERGER             MSF        
                                                MSF MFS VALUE         EAFE INDEX         BERMAN GENESIS     RUSSELL 2000 INDEX 
                                                 SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  ------------------  ------------------- 
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $         3,988,712  $         2,560,143  $          349,614  $         1,316,027 
                                             -------------------  -------------------  ------------------  ------------------- 
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................            3,433,548            1,355,678           2,163,993            1,808,055 
      Administrative charges...............              612,780              213,247             362,078              306,834 
                                             -------------------  -------------------  ------------------  ------------------- 
        Total expenses.....................            4,046,328            1,568,925           2,526,071            2,114,889 
                                             -------------------  -------------------  ------------------  ------------------- 
          Net investment income (loss).....             (57,616)              991,218         (2,176,457)            (798,862) 
                                             -------------------  -------------------  ------------------  ------------------- 
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........           12,112,589                   --                  --            3,120,572 
      Realized gains (losses) on sale of                                                                                       
        investments........................            6,560,127            2,887,187           4,329,229            5,246,886 
                                             -------------------  -------------------  ------------------  ------------------- 
          Net realized gains (losses)......           18,672,716            2,887,187           4,329,229            8,367,458 
                                             -------------------  -------------------  ------------------  ------------------- 
      Change in unrealized gains (losses)                                                                                      
        on investments.....................            2,950,546         (11,944,228)         (5,677,025)          (3,199,788) 
                                             -------------------  -------------------  ------------------  ------------------- 
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           21,623,262          (9,057,041)         (1,347,796)            5,167,670 
                                             -------------------  -------------------  ------------------  ------------------- 
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        21,565,646  $       (8,065,823)  $      (3,524,253)  $         4,368,808 
                                             ===================  ===================  ==================  =================== 


                                                                                           MSF VAN ECK       MSF WESTERN ASSET 
                                              MSF T. ROWE PRICE    MSF T. ROWE PRICE     GLOBAL NATURAL    MANAGEMENT STRATEGIC
                                              LARGE CAP GROWTH     SMALL CAP GROWTH         RESOURCES       BOND OPPORTUNITIES 
                                                 SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT        SUB-ACCOUNT (a)  
                                             ------------------  -------------------  -------------------  --------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $            1,687  $               945  $           270,768   $                --
                                             ------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................           2,102,334              142,476            1,310,718                     4
      Administrative charges...............             381,511               11,716              254,406                     1
                                             ------------------  -------------------  -------------------  --------------------
        Total expenses.....................           2,483,845              154,192            1,565,124                     5
                                             ------------------  -------------------  -------------------  --------------------
          Net investment income (loss).....         (2,482,158)            (153,247)          (1,294,356)                   (5)
                                             ------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........          10,983,579              789,869            1,705,108                    --
      Realized gains (losses) on sale of                                                                                       
        investments........................           3,410,255              674,821               82,770                    --
                                             ------------------  -------------------  -------------------  --------------------
          Net realized gains (losses)......          14,393,834            1,464,690            1,787,878                    --
                                             ------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................         (1,397,928)            (830,342)         (19,515,189)                    48
                                             ------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................          12,995,906              634,348         (17,727,311)                    48
                                             ------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $       10,513,748  $           481,101  $      (19,021,667)   $                43
                                             ==================  ===================  ===================  ====================


                                              MSF WESTERN ASSET         MSF WMC                                                
                                                 MANAGEMENT           CORE EQUITY                                              
                                               U.S. GOVERNMENT       OPPORTUNITIES                                             
                                                 SUB-ACCOUNT          SUB-ACCOUNT                                              
                                             ------------------  -------------------                                           
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $        4,803,092  $         3,680,864                                           
                                             ------------------  -------------------                                           
EXPENSES:                                                                                                                      
      Mortality and expense risk and                                                                                           
        other charges......................           3,391,531            8,504,333                                           
      Administrative charges...............             713,947            1,543,651                                           
                                             ------------------  -------------------                                           
        Total expenses.....................           4,105,478           10,047,984                                           
                                             ------------------  -------------------                                           
          Net investment income (loss).....             697,614          (6,367,120)                                           
                                             ------------------  -------------------                                           
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........                  --           54,385,564                                           
      Realized gains (losses) on sale of                                                                                       
        investments........................             (3,865)           36,633,301                                           
                                             ------------------  -------------------                                           
          Net realized gains (losses)......             (3,865)           91,018,865                                           
                                             ------------------  -------------------                                           
      Change in unrealized gains (losses)                                                                                      
        on investments.....................           2,454,211         (33,491,386)                                           
                                             ------------------  -------------------                                           
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           2,450,346           57,527,479                                           
                                             ------------------  -------------------                                           
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        3,147,960  $        51,160,359                                           
                                             ==================  ===================                                           

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]

                                                                                        OPPENHEIMER VA        OPPENHEIMER VA  
                                                  NEUBERGER         OPPENHEIMER VA     GLOBAL STRATEGIC         MAIN STREET   
                                               BERMAN GENESIS          CORE BOND            INCOME               SMALL CAP    
                                                 SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT   
                                             ------------------  -------------------  -------------------  -------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $                5  $               470  $               195  $           770,584
                                             ------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk and                                                                                          
        other charges......................                  93                  123                   62            1,342,693
      Administrative charges...............                  --                   --                   --              303,187
                                             ------------------  -------------------  -------------------  -------------------
        Total expenses.....................                  93                  123                   62            1,645,880
                                             ------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....                (88)                  347                  133            (875,296)
                                             ------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........                 688                   --                   --           17,095,411
      Realized gains (losses) on sale of                                                                                      
        investments........................                 783                (267)                    5            4,873,313
                                             ------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......               1,471                (267)                    5           21,968,724
                                             ------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................             (1,551)                  416                 (73)          (9,177,366)
                                             ------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................                (80)                  149                 (68)           12,791,358
                                             ------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $            (168)  $               496  $                65  $        11,916,062
                                             ==================  ===================  ===================  ===================


                                                                                           PIMCO VIT             PIMCO VIT    
                                               OPPENHEIMER VA       OPPENHEIMER VA    COMMODITYREALRETURN        EMERGING     
                                                 MAIN STREET             MONEY             STRATEGY             MARKET BOND   
                                                 SUB-ACCOUNT          SUB-ACCOUNT       SUB-ACCOUNT (a)       SUB-ACCOUNT (a) 
                                             ------------------  -------------------  -------------------  -------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $              878  $                --  $               24   $                36
                                             ------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk and                                                                                          
        other charges......................               1,467                   53                  10                     6
      Administrative charges...............                  --                   --                   3                     1
                                             ------------------  -------------------  -------------------  -------------------
        Total expenses.....................               1,467                   53                  13                     7
                                             ------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....               (589)                 (53)                  11                    29
                                             ------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........               2,122                   --                  --                    --
      Realized gains (losses) on sale of                                                                                      
        investments........................               3,163                   --                  --                    --
                                             ------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......               5,285                   --                  --                    --
                                             ------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................               4,566                   --             (1,741)                    76
                                             ------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................               9,851                   --             (1,741)                    76
                                             ------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $            9,262  $              (53)  $          (1,730)   $               105
                                             ==================  ===================  ===================  ===================



                                                  PIMCO VIT           PIONEER VCT                                             
                                             UNCONSTRAINED BOND      MID CAP VALUE                                            
                                               SUB-ACCOUNT (a)        SUB-ACCOUNT                                             
                                             -------------------  ------------------                                          
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $                 1  $          475,379                                          
                                             -------------------  ------------------                                          
EXPENSES:                                                                                                                     
      Mortality and expense risk and                                                                                          
        other charges......................                    1             829,292                                          
      Administrative charges...............                   --             182,078                                          
                                             -------------------  ------------------                                          
        Total expenses.....................                    1           1,011,370                                          
                                             -------------------  ------------------                                          
          Net investment income (loss).....                   --           (535,991)                                          
                                             -------------------  ------------------                                          
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........                   --           9,760,052                                          
      Realized gains (losses) on sale of                                                                                      
        investments........................                   --           1,926,035                                          
                                             -------------------  ------------------                                          
          Net realized gains (losses)......                   --          11,686,087                                          
                                             -------------------  ------------------                                          
      Change in unrealized gains (losses)                                                                                     
        on investments.....................                  (4)         (2,093,671)                                          
                                             -------------------  ------------------                                          
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................                  (4)           9,592,416                                          
                                             -------------------  ------------------                                          
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $               (4)  $        9,056,425                                          
                                             ===================  ==================                                          

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF OPERATIONS -- (CONCLUDED)   
FOR THE YEAR ENDED DECEMBER 31, 2014    

                                                        [Enlarge/Download Table]


                                                  PIONEER VCT          T. ROWE PRICE         T. ROWE PRICE         T. ROWE PRICE   
                                              REAL ESTATE SHARES       GROWTH STOCK       INTERNATIONAL STOCK      PRIME RESERVE   
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $              5,970  $                 --  $              7,337  $                 65
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................                3,556                68,593                 5,777                 5,422
      Administrative charges................                  646                    --                    --                    --
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................                4,202                68,593                 5,777                 5,422
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....                1,768              (68,593)                 1,560               (5,357)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........               25,808               680,368                13,516                    --
      Realized gains (losses) on sale of                                                                                           
        investments.........................               22,068               901,812                 9,975                    --
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......               47,876             1,582,180                23,491                    --
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................               16,387             (938,069)              (35,473)                    --
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................               64,263               644,111              (11,982)                    --
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $             66,031  $            575,518  $           (10,422)  $            (5,357)
                                             ====================  ====================  ====================  ====================


                                               TAP 1919 VARIABLE                              VAN ECK VIP                          
                                              SOCIALLY RESPONSIVE       UIF GLOBAL            LONG/SHORT                           
                                                   BALANCED           INFRASTRUCTURE         EQUITY INDEX                          
                                                  SUB-ACCOUNT         SUB-ACCOUNT (a)       SUB-ACCOUNT (a)                        
                                             --------------------  --------------------  --------------------                      
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $              2,144  $                 --  $                 --                      
                                             --------------------  --------------------  --------------------                      
EXPENSES:                                                                                                                          
      Mortality and expense risk and                                                                                               
        other charges.......................                3,304                     3                     8                      
      Administrative charges................                  614                     1                     2                      
                                             --------------------  --------------------  --------------------                      
        Total expenses......................                3,918                     4                    10                      
                                             --------------------  --------------------  --------------------                      
           Net investment income (loss).....              (1,774)                   (4)                  (10)                      
                                             --------------------  --------------------  --------------------                      
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........               28,819                    --                    --                      
      Realized gains (losses) on sale of                                                                                           
        investments.........................               15,713                    --                    --                      
                                             --------------------  --------------------  --------------------                      
           Net realized gains (losses)......               44,532                    --                    --                      
                                             --------------------  --------------------  --------------------                      
      Change in unrealized gains (losses)                                                                                          
        on investments......................             (24,999)                    44                    80                      
                                             --------------------  --------------------  --------------------                      
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................               19,533                    44                    80                      
                                             --------------------  --------------------  --------------------                      
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $             17,759  $                 40  $                 70                      
                                             ====================  ====================  ====================                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS   
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]


                                          ALGER SMALL CAP GROWTH               AMERICAN FUNDS BOND                            
                                                SUB-ACCOUNT                        SUB-ACCOUNT                                
                                    ----------------------------------  ----------------------------------                    
                                          2014              2013              2014              2013                          
                                    ----------------  ----------------  ----------------  ----------------                    
                                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                                            
FROM OPERATIONS:                                                                                                              
   Net investment income (loss)...  $      (798,826)  $      (795,350)  $        905,828  $        718,730                    
   Net realized gains (losses)....         5,794,976         8,468,060           306,415         1,750,573                    
   Change in unrealized gains                                                                                                 
     (losses) on investments......       (5,736,249)         8,688,799         4,487,780       (7,601,790)                    
                                    ----------------  ----------------  ----------------  ----------------                    
     Net increase (decrease)                                                                                                  
        in net assets resulting                                                                                               
        from operations...........         (740,099)        16,361,509         5,700,023       (5,132,487)                    
                                    ----------------  ----------------  ----------------  ----------------                    
CONTRACT TRANSACTIONS:                                                                                                        
   Purchase payments received                                                                                                 
     from contract owners.........         1,408,289         1,617,076         4,263,222        11,875,043                    
   Net transfers (including fixed                                                                                             
     account).....................       (2,077,029)       (2,035,008)         7,408,301        11,294,017                    
   Contract charges...............           (7,514)           (8,421)       (1,458,856)       (1,263,411)                    
   Transfers for contract benefits                                                                                            
     and terminations.............       (5,159,978)       (4,789,042)      (10,825,095)       (9,827,827)                    
                                    ----------------  ----------------  ----------------  ----------------                    
     Net increase (decrease) in                                                                                               
        net assets resulting from                                                                                             
        contract transactions.....       (5,836,232)       (5,215,395)         (612,428)        12,077,822                    
                                    ----------------  ----------------  ----------------  ----------------                    
     Net increase (decrease)                                                                                                  
        in net assets.............       (6,576,331)        11,146,114         5,087,595         6,945,335                    
NET ASSETS:                                                                                                                   
   Beginning of year..............        63,772,199        52,626,085       146,158,351       139,213,016                    
                                    ----------------  ----------------  ----------------  ----------------                    
   End of year....................  $     57,195,868  $     63,772,199  $    151,245,946  $    146,158,351                    
                                    ================  ================  ================  ================                    


                                                                                   AMERICAN FUNDS                             
                                       AMERICAN FUNDS GLOBAL GROWTH          GLOBAL SMALL CAPITALIZATION                      
                                                SUB-ACCOUNT                          SUB-ACCOUNT                              
                                    -----------------------------------  -----------------------------------                  
                                           2014              2013              2014               2013                        
                                    -----------------  ----------------  ----------------  -----------------                  
                                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                                            
FROM OPERATIONS:                                                                                                              
   Net investment income (loss)...  $       (869,446)  $      (526,928)  $    (1,529,786)  $       (549,405)                  
   Net realized gains (losses)....         34,841,404         3,982,592         2,777,626          1,957,425                  
   Change in unrealized gains                                                                                                 
     (losses) on investments......       (31,374,425)        65,109,148         (217,375)         25,083,432                  
                                    -----------------  ----------------  ----------------  -----------------                  
     Net increase (decrease)                                                                                                  
        in net assets resulting                                                                                               
        from operations...........          2,597,533        68,564,812         1,030,465         26,491,452                  
                                    -----------------  ----------------  ----------------  -----------------                  
CONTRACT TRANSACTIONS:                                                                                                        
   Purchase payments received                                                                                                 
     from contract owners.........         11,042,741        23,766,765         4,879,074         10,382,354                  
   Net transfers (including fixed                                                                                             
     account).....................          7,854,131       (8,540,368)           719,962        (3,851,967)                  
   Contract charges...............        (2,816,132)       (2,337,645)       (1,028,221)          (874,487)                  
   Transfers for contract benefits                                                                                            
     and terminations.............       (21,295,289)      (17,922,689)       (7,673,213)        (6,349,695)                  
                                    -----------------  ----------------  ----------------  -----------------                  
     Net increase (decrease) in                                                                                               
        net assets resulting from                                                                                             
        contract transactions.....        (5,214,549)       (5,033,937)       (3,102,398)          (693,795)                  
                                    -----------------  ----------------  ----------------  -----------------                  
     Net increase (decrease)                                                                                                  
        in net assets.............        (2,617,016)        63,530,875       (2,071,933)         25,797,657                  
NET ASSETS:                                                                                                                   
   Beginning of year..............        314,826,203       251,295,328       124,184,003         98,386,346                  
                                    -----------------  ----------------  ----------------  -----------------                  
   End of year....................  $     312,209,187  $    314,826,203  $    122,112,070  $     124,184,003                  
                                    =================  ================  ================  =================                  


                                                                                                             BLACKROCK GLOBAL 
                                          AMERICAN FUNDS GROWTH            AMERICAN FUNDS GROWTH-INCOME       ALLOCATION V.I. 
                                               SUB-ACCOUNT                          SUB-ACCOUNT                 SUB-ACCOUNT   
                                    ----------------------------------  -----------------------------------  -----------------
                                          2014              2013              2014               2013            2014 (a)     
                                    ----------------  ----------------  -----------------  ----------------  ---------------- 
                                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                                            
FROM OPERATIONS:                                                                                                              
   Net investment income (loss)...  $    (5,554,369)  $    (4,016,566)  $       (781,613)  $      (469,223)  $            176 
   Net realized gains (losses)....        74,146,314        16,990,100         30,958,144         6,900,940               655 
   Change in unrealized gains                                                                                                 
     (losses) on investments......      (13,021,445)       182,361,798          3,352,629        89,831,743             (974) 
                                    ----------------  ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                                  
        in net assets resulting                                                                                               
        from operations...........        55,570,500       195,335,332         33,529,160        96,263,460             (143) 
                                    ----------------  ----------------  -----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                                        
   Purchase payments received                                                                                                 
     from contract owners.........         4,101,900        48,884,879         14,177,344        21,737,754             8,700 
   Net transfers (including fixed                                                                                             
     account).....................      (29,722,388)      (28,227,693)       (13,563,643)      (13,953,890)                -- 
   Contract charges...............       (7,787,497)       (6,793,715)        (3,334,870)       (2,765,946)                -- 
   Transfers for contract benefits                                                                                            
     and terminations.............      (57,521,587)      (49,304,587)       (28,222,265)      (25,784,839)                -- 
                                    ----------------  ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                                               
        net assets resulting from                                                                                             
        contract transactions.....      (90,929,572)      (35,441,116)       (30,943,434)      (20,766,921)             8,700 
                                    ----------------  ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                                  
        in net assets.............      (35,359,072)       159,894,216          2,585,726        75,496,539             8,557 
NET ASSETS:                                                                                                                   
   Beginning of year..............       856,560,204       696,665,988        388,319,990       312,823,451                -- 
                                    ----------------  ----------------  -----------------  ----------------  ---------------- 
   End of year....................  $    821,201,132  $    856,560,204  $     390,905,716  $    388,319,990  $          8,557 
                                    ================  ================  =================  ================  ================ 

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                         DEUTSCHE I INTERNATIONAL            FEDERATED HIGH INCOME BOND      
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------  
                                          2014              2013               2014              2013        
                                    ----------------  -----------------  ----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $         70,159  $         689,035  $          1,199  $          1,375  
   Net realized gains (losses).....        (332,105)          (490,812)                 1                --  
   Change in unrealized gains                                                                                
     (losses) on investments.......      (2,003,646)          2,799,643             (866)               (4)  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      (2,265,592)          2,997,866               334             1,371  
                                    ----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........          659,698            653,441                --                --  
   Net transfers (including fixed                                                                            
     account)......................        (584,266)          (612,834)                --                --  
   Contract charges................          (1,681)            (1,860)                --                --  
   Transfers for contract benefits                                                                           
     and terminations..............      (1,549,650)        (1,377,035)             (124)             (113)  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......      (1,475,899)        (1,338,288)             (124)             (113)  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets..............      (3,741,491)          1,659,578               210             1,258  
NET ASSETS:                                                                                                  
   Beginning of year...............       18,592,794         16,933,216            26,166            24,908  
                                    ----------------  -----------------  ----------------  ----------------  
   End of year..................... $     14,851,303  $      18,592,794  $         26,376  $         26,166  
                                    ================  =================  ================  ================  


                                             FEDERATED KAUFMAN                FIDELITY VIP ASSET MANAGER     
                                                SUB-ACCOUNT                           SUB-ACCOUNT            
                                    -----------------------------------  ------------------------------------
                                           2014              2013               2014               2013      
                                    -----------------  ----------------   ----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $           (636)  $          (544)   $        100,270  $         166,950
   Net realized gains (losses).....             5,260             3,616          5,093,370            806,245
   Change in unrealized gains                                                                                
     (losses) on investments.......           (1,010)             9,524        (1,349,291)         10,480,801
                                    -----------------  ----------------   ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............             3,614            12,596          3,844,349         11,453,996
                                    -----------------  ----------------   ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........                --                --          1,446,073          1,646,197
   Net transfers (including fixed                                                                            
     account)......................                --                --          (804,686)        (2,338,518)
   Contract charges................                --                --           (11,406)           (12,381)
   Transfers for contract benefits                                                                           
     and terminations..............           (1,268)           (1,113)        (7,771,050)        (8,115,163)
                                    -----------------  ----------------   ----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......           (1,268)           (1,113)        (7,141,069)        (8,819,865)
                                    -----------------  ----------------   ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............             2,346            11,483        (3,296,720)          2,634,131
NET ASSETS:                                                                                                  
   Beginning of year...............            44,907            33,424         88,274,483         85,640,352
                                    -----------------  ----------------   ----------------  -----------------
   End of year..................... $          47,253  $         44,907   $     84,977,763  $      88,274,483
                                    =================  ================   ================  =================


                                          FIDELITY VIP CONTRAFUND           FIDELITY VIP EQUITY-INCOME       
                                                SUB-ACCOUNT                         SUB-ACCOUNT              
                                    ----------------------------------  ------------------------------------ 
                                          2014              2013               2014              2013        
                                    ----------------  ----------------  -----------------  ----------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $    (2,868,065)  $    (1,697,392)  $          78,282  $          58,439 
   Net realized gains (losses).....       38,832,008        11,601,258            132,768            367,626 
   Change in unrealized gains                                                                                
     (losses) on investments.......       25,038,910       130,225,189            191,058            916,971 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       61,002,853       140,129,055            402,108          1,343,036 
                                    ----------------  ----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........       21,736,852        46,614,319             49,080             24,011 
   Net transfers (including fixed                                                                            
     account)......................     (14,481,072)       (6,126,568)           (33,795)           (72,869) 
   Contract charges................      (3,870,205)       (2,923,183)                 --                 -- 
   Transfers for contract benefits                                                                           
     and terminations..............     (44,412,621)      (36,834,423)          (695,665)          (862,819) 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......     (41,027,046)           730,145          (680,380)          (911,677) 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets..............       19,975,807       140,859,200          (278,272)            431,359 
NET ASSETS:                                                                                                  
   Beginning of year...............      611,972,926       471,113,726          5,954,600          5,523,241 
                                    ----------------  ----------------  -----------------  ----------------- 
   End of year..................... $    631,948,733  $    611,972,926  $       5,676,328  $       5,954,600 
                                    ================  ================  =================  ================= 


                                       FIDELITY VIP FUNDSMANAGER 50%                                         
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                          2014               2013                                            
                                    ----------------  -----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $   (14,599,004)  $     (5,248,600)                                      
   Net realized gains (losses).....       27,093,983         10,771,735                                      
   Change in unrealized gains                                                                                
     (losses) on investments.......       69,079,003        141,257,707                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       81,573,982        146,780,842                                      
                                    ----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........               --                 --                                      
   Net transfers (including fixed                                                                            
     account)......................    1,509,904,970      1,474,414,428                                      
   Contract charges................               --                 --                                      
   Transfers for contract benefits                                                                           
     and terminations..............     (86,814,147)       (31,224,567)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......    1,423,090,823      1,443,189,861                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets..............    1,504,664,805      1,589,970,703                                      
NET ASSETS:                                                                                                  
   Beginning of year...............    2,033,793,788        443,823,085                                      
                                    ----------------  -----------------                                      
   End of year..................... $  3,538,458,593  $   2,033,793,788                                      
                                    ================  =================                                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                        FIDELITY VIP FUNDSMANAGER 60%             FIDELITY VIP GROWTH        
                                                 SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ------------------------------------  -----------------------------------
                                           2014              2013               2014               2013      
                                    -----------------  -----------------  ----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $    (29,738,597)  $    (31,238,110)  $    (1,960,390)  $     (1,579,739)
   Net realized gains (losses).....       151,088,720        171,159,819         6,685,051          4,112,179
   Change in unrealized gains                                                                                
     (losses) on investments.......        10,595,817        435,136,185        11,054,078         41,938,391
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       131,945,940        575,057,894        15,778,739         44,470,831
                                    -----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........         2,544,619          5,496,546         3,540,118          3,349,924
   Net transfers (including fixed                                                                            
     account)......................                18                 --       (2,748,482)        (5,049,310)
   Contract charges................                --                 --          (20,848)           (22,025)
   Transfers for contract benefits                                                                           
     and terminations..............     (171,576,910)      (145,663,704)      (14,844,036)       (13,580,293)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......     (169,032,273)      (140,167,158)      (14,073,248)       (15,301,704)
                                    -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............      (37,086,333)        434,890,736         1,705,491         29,169,127
NET ASSETS:                                                                                                  
   Beginning of year...............     4,031,523,824      3,596,633,088       165,968,439        136,799,312
                                    -----------------  -----------------  ----------------  -----------------
   End of year..................... $   3,994,437,491  $   4,031,523,824  $    167,673,930  $     165,968,439
                                    =================  =================  ================  =================


                                          FIDELITY VIP INDEX 500                FIDELITY VIP MID CAP         
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ------------------------------------
                                          2014               2013               2014              2013       
                                    -----------------  ----------------  -----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $         166,965  $        325,124  $     (5,926,090)  $     (4,216,245)
   Net realized gains (losses).....         2,968,155         2,857,955         15,800,518         56,577,725
   Change in unrealized gains                                                                                
     (losses) on investments.......         4,754,472        14,178,938         10,107,932         61,592,202
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............         7,889,592        17,362,017         19,982,360        113,953,682
                                    -----------------  ----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........                --                --         17,813,812         45,946,288
   Net transfers (including fixed                                                                            
     account)......................       (1,329,473)       (2,603,865)        (7,392,472)       (13,593,184)
   Contract charges................          (22,548)          (23,942)        (4,591,308)        (3,645,078)
   Transfers for contract benefits                                                                           
     and terminations..............       (6,048,836)       (6,041,583)       (26,116,641)       (20,912,658)
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......       (7,400,857)       (8,669,390)       (20,286,609)          7,795,368
                                    -----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............           488,735         8,692,627          (304,249)        121,749,050
NET ASSETS:                                                                                                  
   Beginning of year...............        69,677,247        60,984,620        446,581,942        324,832,892
                                    -----------------  ----------------  -----------------  -----------------
   End of year..................... $      70,165,982  $     69,677,247  $     446,277,693  $     446,581,942
                                    =================  ================  =================  =================


                                          FIDELITY VIP MONEY MARKET              FIDELITY VIP OVERSEAS       
                                                 SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ------------------------------------  ---------------------------------- 
                                           2014               2013              2014              2013       
                                     ----------------  -----------------  ----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)....  $    (1,616,300)  $     (1,597,325)  $          2,417  $          5,035 
   Net realized gains (losses).....                --                 --            60,145            11,595 
   Change in unrealized gains                                                                                
     (losses) on investments.......                --                 --         (589,122)         1,380,290 
                                     ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       (1,616,300)        (1,597,325)         (526,560)         1,396,920 
                                     ----------------  -----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........     1,490,641,290      1,482,045,626            91,282            83,529 
   Net transfers (including fixed                                                                            
     account)......................   (1,511,055,592)    (1,474,484,969)          (55,632)         (260,389) 
   Contract charges................           (2,577)            (3,153)              (50)              (46) 
   Transfers for contract benefits                                                                           
     and terminations..............       (3,174,519)        (3,464,232)         (491,815)         (535,530) 
                                     ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......      (23,591,398)          4,093,272         (456,215)         (712,436) 
                                     ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............      (25,207,698)          2,495,947         (982,775)           684,484 
NET ASSETS:                                                                                                  
   Beginning of year...............        76,155,346         73,659,399         5,925,521         5,241,037 
                                     ----------------  -----------------  ----------------  ---------------- 
   End of year.....................  $     50,947,648  $      76,155,346  $      4,942,746  $      5,925,521 
                                     ================  =================  ================  ================ 


                                        FTVIPT FRANKLIN INCOME VIP                                           
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                           2014              2013                                            
                                    -----------------  ----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      11,034,456  $     13,802,960                                      
   Net realized gains (losses).....         2,072,298           335,927                                      
   Change in unrealized gains                                                                                
     (losses) on investments.......       (3,371,554)        18,152,582                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............         9,735,200        32,291,469                                      
                                    -----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........         9,617,562        24,164,029                                      
   Net transfers (including fixed                                                                            
     account)......................         3,414,903        10,135,357                                      
   Contract charges................       (2,715,246)       (2,217,562)                                      
   Transfers for contract benefits                                                                           
     and terminations..............      (22,963,961)      (19,716,164)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......      (12,646,742)        12,365,660                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
        in net assets..............       (2,911,542)        44,657,129                                      
NET ASSETS:                                                                                                  
   Beginning of year...............       297,821,470       253,164,341                                      
                                    -----------------  ----------------                                      
   End of year..................... $     294,909,928  $    297,821,470                                      
                                    =================  ================                                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                              FTVIPT FRANKLIN                      FTVIPT FRANKLIN           
                                             MUTUAL SHARES VIP                   SMALL CAP VALUE VIP         
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------  
                                          2014              2013               2014              2013        
                                    ----------------  -----------------  ----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $        966,423  $       1,028,572  $      (907,377)  $       (24,107)  
   Net realized gains (losses).....        4,318,435          1,531,390        11,252,700         3,335,986  
   Change in unrealized gains                                                                                
     (losses) on investments.......        3,347,372         31,136,595      (11,208,452)        28,858,586  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............        8,632,230         33,696,557         (863,129)        32,170,465  
                                    ----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........        3,237,944          7,934,359         6,121,715        18,861,799  
   Net transfers (including fixed                                                                            
     account)......................        (423,430)        (3,863,825)           741,344       (3,726,532)  
   Contract charges................      (1,293,554)        (1,093,363)       (1,402,055)       (1,067,656)  
   Transfers for contract benefits                                                                           
     and terminations..............     (13,122,538)       (10,375,719)       (6,144,302)       (4,485,166)  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......     (11,601,578)        (7,398,548)         (683,298)         9,582,445  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets..............      (2,969,348)         26,298,009       (1,546,427)        41,752,910  
NET ASSETS:                                                                                                  
   Beginning of year...............      156,078,571        129,780,562       128,048,983        86,296,073  
                                    ----------------  -----------------  ----------------  ----------------  
   End of year..................... $    153,109,223  $     156,078,571  $    126,502,556  $    128,048,983  
                                    ================  =================  ================  ================  


                                                  FTVIPT                                FTVIPT               
                                           TEMPLETON FOREIGN VIP               TEMPLETON GLOBAL BOND VIP     
                                                SUB-ACCOUNT                           SUB-ACCOUNT            
                                    -----------------------------------  ------------------------------------
                                           2014              2013               2014               2013      
                                    -----------------  ----------------   ----------------  -----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $          48,299  $        479,595   $      9,696,508  $       8,251,988
   Net realized gains (losses).....         1,031,529           527,295           (97,489)          2,892,611
   Change in unrealized gains                                                                                
     (losses) on investments.......      (11,682,571)        14,782,128        (8,236,911)       (10,624,497)
                                    -----------------  ----------------   ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      (10,602,743)        15,789,018          1,362,108            520,102
                                    -----------------  ----------------   ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........           661,634         1,244,169          8,661,712         31,796,531
   Net transfers (including fixed                                                                            
     account)......................         3,823,200       (3,114,726)          3,812,491         20,195,269
   Contract charges................         (893,355)         (910,114)        (2,805,331)        (2,382,478)
   Transfers for contract benefits                                                                           
     and terminations..............       (7,102,249)       (6,075,431)       (15,564,382)       (12,509,439)
                                    -----------------  ----------------   ----------------  -----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......       (3,510,770)       (8,856,102)        (5,895,510)         37,099,883
                                    -----------------  ----------------   ----------------  -----------------
     Net increase (decrease)                                                                                 
        in net assets..............      (14,113,513)         6,932,916        (4,533,402)         37,619,985
NET ASSETS:                                                                                                  
   Beginning of year...............        87,721,293        80,788,377        254,683,414        217,063,429
                                    -----------------  ----------------   ----------------  -----------------
   End of year..................... $      73,607,780  $     87,721,293   $    250,150,012  $     254,683,414
                                    =================  ================   ================  =================



                                      INVESCO V.I. AMERICAN FRANCHISE        INVESCO V.I. CORE EQUITY        
                                                SUB-ACCOUNT                         SUB-ACCOUNT              
                                    ----------------------------------  ------------------------------------ 
                                          2014              2013              2014               2013        
                                    ----------------  ----------------  -----------------  ----------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $          (724)  $        (1,401)  $         (1,321)  $            (90) 
   Net realized gains (losses).....           46,339             4,184             14,144             11,977 
   Change in unrealized gains                                                                                
     (losses) on investments.......         (52,381)            44,589              2,433             45,509 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............          (6,766)            47,372             15,256             57,396 
                                    ----------------  ----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........               --                --                 --                 -- 
   Net transfers (including fixed                                                                            
     account)......................        (131,317)           (8,489)           (16,139)           (15,058) 
   Contract charges................               --                --                 --                 -- 
   Transfers for contract benefits                                                                           
     and terminations..............         (10,523)          (25,032)           (16,835)           (33,651) 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......        (141,840)          (33,521)           (32,974)           (48,709) 
                                    ----------------  ----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                 
        in net assets..............        (148,606)            13,851           (17,718)              8,687 
NET ASSETS:                                                                                                  
   Beginning of year...............          163,713           149,862            249,696            241,009 
                                    ----------------  ----------------  -----------------  ----------------- 
   End of year..................... $         15,107  $        163,713  $         231,978  $         249,696 
                                    ================  ================  =================  ================= 



                                      INVESCO V.I. EQUITY AND INCOME                                         
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                          2014               2013                                            
                                    ----------------  -----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $      1,367,554  $         960,409                                      
   Net realized gains (losses).....       43,093,088          2,646,648                                      
   Change in unrealized gains                                                                                
     (losses) on investments.......        2,305,377        115,194,853                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       46,766,019        118,801,910                                      
                                    ----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........       31,728,304         67,597,697                                      
   Net transfers (including fixed                                                                            
     account)......................       11,169,077          8,022,603                                      
   Contract charges................      (6,221,284)        (4,836,300)                                      
   Transfers for contract benefits                                                                           
     and terminations..............     (51,553,513)       (37,208,806)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......     (14,877,416)         33,575,194                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets..............       31,888,603        152,377,104                                      
NET ASSETS:                                                                                                  
   Beginning of year...............      649,322,698        496,945,594                                      
                                    ----------------  -----------------                                      
   End of year..................... $    681,211,301  $     649,322,698                                      
                                    ================  =================                                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                                                                                IVY FUNDS VIP 
                                      INVESCO V.I. GROWTH AND INCOME      INVESCO V.I. INTERNATIONAL GROWTH    ASSET STRATEGY 
                                                SUB-ACCOUNT                          SUB-ACCOUNT                 SUB-ACCOUNT  
                                    -----------------------------------  -----------------------------------  ----------------
                                          2014               2013              2014               2013            2014 (a)    
                                    ----------------  -----------------  ----------------  -----------------  ----------------
                                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                                            
FROM OPERATIONS:                                                                                                              
   Net investment income (loss)...  $    (1,560,512)  $       (188,424)  $         93,550  $       (636,105)  $            (6)
   Net realized gains (losses)....       119,593,645          5,964,860         3,452,220          1,305,822                --
   Change in unrealized gains                                                                                                 
     (losses) on investments......     (115,750,581)         81,951,879       (6,631,350)         40,017,340             (526)
                                    ----------------  -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                                  
        in net assets resulting                                                                                               
        from operations...........         2,282,552         87,728,315       (3,085,580)         40,687,057             (532)
                                    ----------------  -----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                                        
   Purchase payments received                                                                                                 
     from contract owners.........         5,543,775         41,201,557         8,698,690         29,193,980            45,555
   Net transfers (including fixed                                                                                             
     account).....................     (365,872,848)        (9,892,159)         6,394,539          6,799,837                --
   Contract charges...............       (1,114,771)        (3,013,438)       (3,065,550)        (2,450,016)                --
   Transfers for contract benefits                                                                                            
     and terminations.............       (6,802,394)       (18,283,675)      (15,060,333)       (12,015,352)                --
                                    ----------------  -----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                                               
        net assets resulting from                                                                                             
        contract transactions.....     (368,246,238)         10,012,285       (3,032,654)         21,528,449            45,555
                                    ----------------  -----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                                  
        in net assets.............     (365,963,686)         97,740,600       (6,118,234)         62,215,506            45,023
NET ASSETS:                                                                                                                   
   Beginning of year..............       365,970,613        268,230,013       281,999,206        219,783,700                --
                                    ----------------  -----------------  ----------------  -----------------  ----------------
   End of year....................  $          6,927  $     365,970,613  $    275,880,972  $     281,999,206  $         45,023
                                    ================  =================  ================  =================  ================


                                            LMPVET CLEARBRIDGE                    LMPVET CLEARBRIDGE                          
                                        VARIABLE AGGRESSIVE GROWTH               VARIABLE APPRECIATION                        
                                                SUB-ACCOUNT                           SUB-ACCOUNT                             
                                    ------------------------------------  -----------------------------------                 
                                           2014              2013               2014              2013                        
                                    -----------------  -----------------  ----------------  -----------------                 
                                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                                            
FROM OPERATIONS:                                                                                                              
   Net investment income (loss)...  $     (3,780,649)  $     (2,728,091)  $      (882,810)  $       (340,789)                 
   Net realized gains (losses)....         32,726,634         17,861,500        23,665,197         13,852,622                 
   Change in unrealized gains                                                                                                 
     (losses) on investments......         22,284,631         71,695,365        14,760,295         72,638,328                 
                                    -----------------  -----------------  ----------------  -----------------                 
     Net increase (decrease)                                                                                                  
        in net assets resulting                                                                                               
        from operations...........         51,230,616         86,828,774        37,542,682         86,150,161                 
                                    -----------------  -----------------  ----------------  -----------------                 
CONTRACT TRANSACTIONS:                                                                                                        
   Purchase payments received                                                                                                 
     from contract owners.........         21,151,291         26,964,170        20,094,287         47,967,753                 
   Net transfers (including fixed                                                                                             
     account).....................       (10,983,120)        (1,165,621)       (5,501,606)          4,628,653                 
   Contract charges...............        (2,546,686)        (1,696,014)       (4,105,122)        (3,067,660)                 
   Transfers for contract benefits                                                                                            
     and terminations.............       (23,148,368)       (17,174,971)      (26,797,021)       (20,584,065)                 
                                    -----------------  -----------------  ----------------  -----------------                 
     Net increase (decrease) in                                                                                               
        net assets resulting from                                                                                             
        contract transactions.....       (15,526,883)          6,927,564      (16,309,462)         28,944,681                 
                                    -----------------  -----------------  ----------------  -----------------                 
     Net increase (decrease)                                                                                                  
        in net assets.............         35,703,733         93,756,338        21,233,220        115,094,842                 
NET ASSETS:                                                                                                                   
   Beginning of year..............        280,745,200        186,988,862       405,286,221        290,191,379                 
                                    -----------------  -----------------  ----------------  -----------------                 
   End of year....................  $     316,448,933  $     280,745,200  $    426,519,441  $     405,286,221                 
                                    =================  =================  ================  =================                 


                                            LMPVET CLEARBRIDGE                   LMPVET CLEARBRIDGE                           
                                          VARIABLE EQUITY INCOME              VARIABLE LARGE CAP GROWTH                       
                                                SUB-ACCOUNT                          SUB-ACCOUNT                              
                                    -----------------------------------  -----------------------------------                  
                                          2014               2013              2014               2013                        
                                    ----------------  -----------------  ----------------  -----------------                  
                                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                                            
FROM OPERATIONS:                                                                                                              
   Net investment income (loss)...  $      1,308,229  $         427,485  $       (62,068)  $        (58,170)                  
   Net realized gains (losses)....         4,299,834            646,901           919,739            745,423                  
   Change in unrealized gains                                                                                                 
     (losses) on investments......        16,931,806         33,452,314         (332,781)            710,461                  
                                    ----------------  -----------------  ----------------  -----------------                  
     Net increase (decrease)                                                                                                  
        in net assets resulting                                                                                               
        from operations...........        22,539,869         34,526,700           524,890          1,397,714                  
                                    ----------------  -----------------  ----------------  -----------------                  
CONTRACT TRANSACTIONS:                                                                                                        
   Purchase payments received                                                                                                 
     from contract owners.........        10,710,030         27,050,110             6,741                648                  
   Net transfers (including fixed                                                                                             
     account).....................       (2,238,829)          8,008,781         (142,316)           (33,103)                  
   Contract charges...............       (1,903,736)        (1,307,320)          (16,298)           (17,152)                  
   Transfers for contract benefits                                                                                            
     and terminations.............      (14,703,505)       (12,039,748)         (753,806)          (647,971)                  
                                    ----------------  -----------------  ----------------  -----------------                  
     Net increase (decrease) in                                                                                               
        net assets resulting from                                                                                             
        contract transactions.....       (8,136,040)         21,711,823         (905,679)          (697,578)                  
                                    ----------------  -----------------  ----------------  -----------------                  
     Net increase (decrease)                                                                                                  
        in net assets.............        14,403,829         56,238,523         (380,789)            700,136                  
NET ASSETS:                                                                                                                   
   Beginning of year..............       191,169,653        134,931,130         5,012,390          4,312,254                  
                                    ----------------  -----------------  ----------------  -----------------                  
   End of year....................  $    205,573,482  $     191,169,653  $      4,631,601  $       5,012,390                  
                                    ================  =================  ================  =================                  

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                                                                                 LMPVET PERMAL  
                                            LMPVET CLEARBRIDGE                   LMPVET CLEARBRIDGE           ALTERNATIVE SELECT
                                         VARIABLE LARGE CAP VALUE             VARIABLE SMALL CAP GROWTH          VIT PORTFOLIO  
                                                SUB-ACCOUNT                          SUB-ACCOUNT                  SUB-ACCOUNT   
                                    -----------------------------------  -----------------------------------  ------------------
                                          2014              2013               2014              2013              2014 (a)     
                                    ----------------  -----------------  ----------------  -----------------   ---------------- 
                                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                                              
FROM OPERATIONS:                                                                                                                
   Net investment income (loss)...  $         16,424  $           1,148  $    (1,543,659)  $     (1,235,439)   $            972 
   Net realized gains (losses)....           826,518            466,613        14,861,960          8,864,593                 -- 
   Change in unrealized gains                                                                                                   
     (losses) on investments......          (94,646)          1,056,824      (10,235,288)         24,881,277                314 
                                    ----------------  -----------------  ----------------  -----------------   ---------------- 
     Net increase (decrease)                                                                                                    
        in net assets resulting                                                                                                 
        from operations...........           748,296          1,524,585         3,083,013         32,510,431              1,286 
                                    ----------------  -----------------  ----------------  -----------------   ---------------- 
CONTRACT TRANSACTIONS:                                                                                                          
   Purchase payments received                                                                                                   
     from contract owners.........           238,085            282,593         5,976,685         16,380,155            546,752 
   Net transfers (including fixed                                                                                               
     account).....................         1,446,278            813,486         1,425,057          3,443,300             93,489 
   Contract charges...............          (72,588)           (46,356)       (1,145,114)          (824,479)                 -- 
   Transfers for contract benefits                                                                                              
     and terminations.............         (508,848)          (424,843)       (5,895,860)        (3,891,881)              (493) 
                                    ----------------  -----------------  ----------------  -----------------   ---------------- 
     Net increase (decrease) in                                                                                                 
        net assets resulting from                                                                                               
        contract transactions.....         1,102,927            624,880           360,768         15,107,095            639,748 
                                    ----------------  -----------------  ----------------  -----------------   ---------------- 
     Net increase (decrease)                                                                                                    
        in net assets.............         1,851,223          2,149,465         3,443,781         47,617,526            641,034 
NET ASSETS:                                                                                                                     
   Beginning of year..............         6,892,954          4,743,489       112,499,020         64,881,494                 -- 
                                    ----------------  -----------------  ----------------  -----------------   ---------------- 
   End of year....................  $      8,744,177  $       6,892,954  $    115,942,801  $     112,499,020   $        641,034 
                                    ================  =================  ================  =================   ================ 



                                                  LMPVET                              LMPVET                                    
                                     VARIABLE LIFESTYLE ALLOCATION 50%   VARIABLE LIFESTYLE ALLOCATION 70%                      
                                                SUB-ACCOUNT                         SUB-ACCOUNT                                 
                                    ----------------------------------  ----------------------------------                      
                                          2014              2013              2014              2013                            
                                    ----------------  ----------------  ----------------  ----------------                      
                                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                                              
FROM OPERATIONS:                                                                                                                
   Net investment income (loss)...  $        486,044  $        335,965  $          2,410  $        (5,215)                      
   Net realized gains (losses)....         1,019,129           294,643           134,694           164,204                      
   Change in unrealized gains                                                                                                   
     (losses) on investments......          (36,134)         4,402,903          (62,721)           307,412                      
                                    ----------------  ----------------  ----------------  ----------------                      
     Net increase (decrease)                                                                                                    
        in net assets resulting                                                                                                 
        from operations...........         1,469,039         5,033,511            74,383           466,401                      
                                    ----------------  ----------------  ----------------  ----------------                      
CONTRACT TRANSACTIONS:                                                                                                          
   Purchase payments received                                                                                                   
     from contract owners.........         2,274,676         6,821,630               120               120                      
   Net transfers (including fixed                                                                                               
     account).....................       (1,127,378)         3,040,842          (34,510)           208,852                      
   Contract charges...............         (425,453)         (323,071)             (636)             (702)                      
   Transfers for contract benefits                                                                                              
     and terminations.............       (3,956,813)       (3,091,539)         (420,518)         (943,181)                      
                                    ----------------  ----------------  ----------------  ----------------                      
     Net increase (decrease) in                                                                                                 
        net assets resulting from                                                                                               
        contract transactions.....       (3,234,968)         6,447,862         (455,544)         (734,911)                      
                                    ----------------  ----------------  ----------------  ----------------                      
     Net increase (decrease)                                                                                                    
        in net assets.............       (1,765,929)        11,481,373         (381,161)         (268,510)                      
NET ASSETS:                                                                                                                     
   Beginning of year..............        44,101,401        32,620,028         2,304,999         2,573,509                      
                                    ----------------  ----------------  ----------------  ----------------                      
   End of year....................  $     42,335,472  $     44,101,401  $      1,923,838  $      2,304,999                      
                                    ================  ================  ================  ================                      



                                                  LMPVET                       LMPVIT WESTERN ASSET                             
                                     VARIABLE LIFESTYLE ALLOCATION 85%    VARIABLE GLOBAL HIGH YIELD BOND                       
                                                SUB-ACCOUNT                         SUB-ACCOUNT                                 
                                    ----------------------------------  ----------------------------------                      
                                          2014              2013              2014              2013                            
                                    ----------------  ----------------  ----------------  ----------------                      
                                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                                              
FROM OPERATIONS:                                                                                                                
   Net investment income (loss)...  $        373,623  $        265,832  $      6,032,375  $      4,754,059                      
   Net realized gains (losses)....         5,434,643         1,739,917           113,974            97,460                      
   Change in unrealized gains                                                                                                   
     (losses) on investments......       (2,807,313)        17,385,552       (8,718,909)         (303,455)                      
                                    ----------------  ----------------  ----------------  ----------------                      
     Net increase (decrease)                                                                                                    
        in net assets resulting                                                                                                 
        from operations...........         3,000,953        19,391,301       (2,572,560)         4,548,064                      
                                    ----------------  ----------------  ----------------  ----------------                      
CONTRACT TRANSACTIONS:                                                                                                          
   Purchase payments received                                                                                                   
     from contract owners.........         2,747,741         3,896,642         3,068,117        12,043,147                      
   Net transfers (including fixed                                                                                               
     account).....................       (1,896,512)          (70,391)         6,130,634         6,173,096                      
   Contract charges...............         (856,409)         (739,142)         (923,174)         (741,652)                      
   Transfers for contract benefits                                                                                              
     and terminations.............       (5,309,837)       (7,221,465)       (9,801,780)       (9,054,116)                      
                                    ----------------  ----------------  ----------------  ----------------                      
     Net increase (decrease) in                                                                                                 
        net assets resulting from                                                                                               
        contract transactions.....       (5,315,017)       (4,134,356)       (1,526,203)         8,420,475                      
                                    ----------------  ----------------  ----------------  ----------------                      
     Net increase (decrease)                                                                                                    
        in net assets.............       (2,314,064)        15,256,945       (4,098,763)        12,968,539                      
NET ASSETS:                                                                                                                     
   Beginning of year..............        95,074,284        79,817,339       104,740,451        91,771,912                      
                                    ----------------  ----------------  ----------------  ----------------                      
   End of year....................  $     92,760,220  $     95,074,284  $    100,641,688  $    104,740,451                      
                                    ================  ================  ================  ================                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]


                                          MFS VIT INVESTORS TRUST               MFS VIT NEW DISCOVERY                          
                                                SUB-ACCOUNT                          SUB-ACCOUNT                               
                                    -----------------------------------  -----------------------------------                   
                                          2014               2013               2014              2013                         
                                    -----------------  ----------------  -----------------  ----------------                   
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss).... $           (113)  $           (69)  $           (579)  $          (581)                   
   Net realized gains (losses).....             7,432               292              8,966             2,006                   
   Change in unrealized gains                                                                                                  
     (losses) on investments.......           (6,574)             5,877           (12,305)            12,769                   
                                    -----------------  ----------------  -----------------  ----------------                   
     Net increase (decrease)                                                                                                   
        in net assets resulting                                                                                                
        from operations............               745             6,100            (3,918)            14,194                   
                                    -----------------  ----------------  -----------------  ----------------                   
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners..........                --                --                 --                --                   
   Net transfers (including fixed                                                                                              
     account)......................                --                --                 --                --                   
   Contract charges................                --                --                 --                --                   
   Transfers for contract benefits                                                                                             
     and terminations..............          (17,077)             (637)            (1,495)           (9,835)                   
                                    -----------------  ----------------  -----------------  ----------------                   
     Net increase (decrease) in                                                                                                
        net assets resulting from                                                                                              
        contract transactions......          (17,077)             (637)            (1,495)           (9,835)                   
                                    -----------------  ----------------  -----------------  ----------------                   
     Net increase (decrease)                                                                                                   
        in net assets..............          (16,332)             5,463            (5,413)             4,359                   
NET ASSETS:                                                                                                                    
   Beginning of year...............            25,951            20,488             46,020            41,661                   
                                    -----------------  ----------------  -----------------  ----------------                   
   End of year..................... $           9,619  $         25,951  $          40,607  $         46,020                   
                                    =================  ================  =================  ================                   


                                                                                                                    MIST       
                                                                                                               ALLIANZ GLOBAL  
                                                                               MIST ALLIANCEBERNSTEIN         INVESTORS DYNAMIC
                                             MFS VIT RESEARCH                 GLOBAL DYNAMIC ALLOCATION       MULTI-ASSET PLUS 
                                                SUB-ACCOUNT                          SUB-ACCOUNT                 SUB-ACCOUNT   
                                    -----------------------------------  -----------------------------------  -----------------
                                           2014              2013              2014              2013             2014 (b)     
                                     ----------------  ----------------  ----------------  -----------------  -----------------
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss)....  $          (295)  $          (610)  $     17,462,736  $     (4,610,871)  $          4,824 
   Net realized gains (losses).....            19,157             1,133        91,273,198         73,047,817           171,321 
   Change in unrealized gains                                                                                                  
     (losses) on investments.......          (16,582)            14,560        81,273,478        213,779,983            67,003 
                                     ----------------  ----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                                   
        in net assets resulting                                                                                                
        from operations............             2,280            15,083       190,009,412        282,216,929           243,148 
                                     ----------------  ----------------  ----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners..........                --                --        55,989,983        248,776,609        10,740,886 
   Net transfers (including fixed                                                                                              
     account)......................          (19,607)                --      (21,381,907)         93,377,580         8,194,795 
   Contract charges................                --                --      (48,104,869)       (43,781,572)          (41,475) 
   Transfers for contract benefits                                                                                             
     and terminations..............          (19,937)           (1,403)     (116,695,473)       (90,758,771)         (150,898) 
                                     ----------------  ----------------  ----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                                
        net assets resulting from                                                                                              
        contract transactions......          (39,544)           (1,403)     (130,192,266)        207,613,846        18,743,308 
                                     ----------------  ----------------  ----------------  -----------------  -----------------
     Net increase (decrease)                                                                                                   
        in net assets..............          (37,264)            13,680        59,817,146        489,830,775        18,986,456 
NET ASSETS:                                                                                                                    
   Beginning of year...............            63,835            50,155     3,313,674,192      2,823,843,417                -- 
                                     ----------------  ----------------  ----------------  -----------------  -----------------
   End of year.....................  $         26,571  $         63,835  $  3,373,491,338  $   3,313,674,192  $     18,986,456 
                                     ================  ================  ================  =================  =================



                                            MIST AMERICAN FUNDS                  MIST AMERICAN FUNDS                           
                                            BALANCED ALLOCATION                   GROWTH ALLOCATION                            
                                                SUB-ACCOUNT                          SUB-ACCOUNT                               
                                    -----------------------------------  -----------------------------------                   
                                          2014               2013               2014              2013                         
                                    ----------------  -----------------  -----------------  ----------------                   
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss).... $    (9,274,974)  $     (5,388,861)  $     (9,929,733)  $    (9,394,519)                   
   Net realized gains (losses).....      378,474,453        250,625,904        311,427,666       121,285,044                   
   Change in unrealized gains                                                                                                  
     (losses) on investments.......    (221,142,935)        260,897,780      (216,740,668)       233,109,626                   
                                    ----------------  -----------------  -----------------  ----------------                   
     Net increase (decrease)                                                                                                   
        in net assets resulting                                                                                                
        from operations............      148,056,544        506,134,823         84,757,265       345,000,151                   
                                    ----------------  -----------------  -----------------  ----------------                   
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners..........       25,164,897         29,549,572         16,363,073        19,707,302                   
   Net transfers (including fixed                                                                                              
     account)......................       81,773,177        (8,307,267)         52,035,269        66,168,229                   
   Contract charges................     (39,628,718)       (37,993,157)       (19,090,909)      (16,411,723)                   
   Transfers for contract benefits                                                                                             
     and terminations..............    (227,918,364)      (165,057,262)      (110,126,406)      (82,807,176)                   
                                    ----------------  -----------------  -----------------  ----------------                   
     Net increase (decrease) in                                                                                                
        net assets resulting from                                                                                              
        contract transactions......    (160,609,008)      (181,808,114)       (60,818,973)      (13,343,368)                   
                                    ----------------  -----------------  -----------------  ----------------                   
     Net increase (decrease)                                                                                                   
        in net assets..............     (12,552,464)        324,326,709         23,938,292       331,656,783                   
NET ASSETS:                                                                                                                    
   Beginning of year...............    3,430,387,038      3,106,060,329      1,828,322,375     1,496,665,592                   
                                    ----------------  -----------------  -----------------  ----------------                   
   End of year..................... $  3,417,834,574  $   3,430,387,038  $   1,852,260,667  $  1,828,322,375                   
                                    ================  =================  =================  ================                   

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                                               MIST AMERICAN FUNDS         
                                        MIST AMERICAN FUNDS GROWTH             MODERATE ALLOCATION         
                                                SUB-ACCOUNT                        SUB-ACCOUNT             
                                    ----------------------------------  ---------------------------------- 
                                          2014              2013              2014              2013       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (6,163,898)  $    (6,517,995)  $    (1,287,876)  $      2,016,609 
   Net realized gains (losses)....        58,138,021        55,767,296       176,763,916       119,968,172 
   Change in unrealized gains                                                                              
     (losses) on investments......      (11,947,440)        96,031,643      (97,636,993)        74,888,275 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
        in net assets resulting                                                                            
        from operations...........        40,026,683       145,280,944        77,839,047       196,873,056 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        23,913,774        14,629,823        12,830,009        17,989,884 
   Net transfers (including fixed                                                                          
     account).....................           213,217      (37,937,636)         1,602,305      (30,931,042) 
   Contract charges...............       (6,974,136)       (6,691,159)      (21,095,644)      (21,278,076) 
   Transfers for contract benefits                                                                         
     and terminations.............      (40,894,690)      (28,561,135)     (123,385,571)     (100,612,790) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
        net assets resulting from                                                                          
        contract transactions.....      (23,741,835)      (58,560,107)     (130,048,901)     (134,832,024) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
        in net assets.............        16,284,848        86,720,837      (52,209,854)        62,041,032 
NET ASSETS:                                                                                                
   Beginning of year..............       632,386,636       545,665,799     1,796,366,977     1,734,325,945 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    648,671,484  $    632,386,636  $  1,744,157,123  $  1,796,366,977 
                                    ================  ================  ================  ================ 


                                                                                   MIST BLACKROCK          
                                       MIST AQR GLOBAL RISK BALANCED         GLOBAL TACTICAL STRATEGIES    
                                                SUB-ACCOUNT                          SUB-ACCOUNT           
                                    -----------------------------------  ----------------------------------
                                          2014               2013              2014              2013      
                                    ----------------  -----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $   (45,442,328)  $      24,454,360  $   (16,420,373)  $    (3,617,558)
   Net realized gains (losses)....        23,650,336        131,410,280       326,148,796       133,255,577
   Change in unrealized gains                                                                              
     (losses) on investments......       108,694,006      (347,099,092)      (72,592,431)       311,060,284
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
        in net assets resulting                                                                            
        from operations...........        86,902,014      (191,234,452)       237,135,992       440,698,303
                                    ----------------  -----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        29,606,314        299,929,057        84,068,820       411,567,881
   Net transfers (including fixed                                                                          
     account).....................     (204,080,674)      (449,932,361)      (84,585,142)      (28,640,096)
   Contract charges...............      (46,773,091)       (50,307,360)      (78,223,830)      (73,176,143)
   Transfers for contract benefits                                                                         
     and terminations.............     (112,828,345)      (113,288,370)     (192,637,569)     (149,396,119)
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
        net assets resulting from                                                                          
        contract transactions.....     (334,075,796)      (313,599,034)     (271,377,721)       160,355,523
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
        in net assets.............     (247,173,782)      (504,833,486)      (34,241,729)       601,053,826
NET ASSETS:                                                                                                
   Beginning of year..............     3,248,475,977      3,753,309,463     5,457,878,761     4,856,824,935
                                    ----------------  -----------------  ----------------  ----------------
   End of year....................  $  3,001,302,195  $   3,248,475,977  $  5,423,637,032  $  5,457,878,761
                                    ================  =================  ================  ================



                                         MIST BLACKROCK HIGH YIELD         MIST CLARION GLOBAL REAL ESTATE 
                                                SUB-ACCOUNT                          SUB-ACCOUNT           
                                    -----------------------------------  ----------------------------------
                                           2014              2013              2014              2013      
                                    -----------------  ----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      12,025,813  $     14,596,196  $    (1,485,527)  $      9,853,299
   Net realized gains (losses)....         12,716,800         9,642,339         1,432,009          (92,999)
   Change in unrealized gains                                                                              
     (losses) on investments......       (19,968,507)       (4,631,091)        29,887,079       (6,455,197)
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
        in net assets resulting                                                                            
        from operations...........          4,774,106        19,607,444        29,833,561         3,305,103
                                    -----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........          6,303,734        13,943,237         4,948,277         1,804,117
   Net transfers (including fixed                                                                          
     account).....................       (14,899,754)      (26,718,376)       137,827,843        14,576,022
   Contract charges...............        (2,737,425)       (2,612,849)       (2,672,557)       (1,769,594)
   Transfers for contract benefits                                                                         
     and terminations.............       (20,374,580)      (16,046,952)      (22,432,403)      (12,559,683)
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
        net assets resulting from                                                                          
        contract transactions.....       (31,708,025)      (31,434,940)       117,671,160         2,050,862
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
        in net assets.............       (26,933,919)      (11,827,496)       147,504,721         5,355,965
NET ASSETS:                                                                                                
   Beginning of year..............        265,149,806       276,977,302       182,673,922       177,317,957
                                    -----------------  ----------------  ----------------  ----------------
   End of year....................  $     238,215,887  $    265,149,806  $    330,178,643  $    182,673,922
                                    =================  ================  ================  ================


                                             MIST CLEARBRIDGE                                              
                                             AGGRESSIVE GROWTH                                             
                                                SUB-ACCOUNT                                                
                                    ----------------------------------                                     
                                          2014              2013                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (8,056,394)  $    (5,039,430)                                     
   Net realized gains (losses)....        36,635,069        11,473,473                                     
   Change in unrealized gains                                                                              
     (losses) on investments......        56,948,433       123,052,679                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
        in net assets resulting                                                                            
        from operations...........        85,527,108       129,486,722                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         5,690,997         5,418,106                                     
   Net transfers (including fixed                                                                          
     account).....................        90,599,582        52,077,391                                     
   Contract charges...............       (4,874,183)       (3,110,264)                                     
   Transfers for contract benefits                                                                         
     and terminations.............      (42,081,564)      (25,033,154)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
        net assets resulting from                                                                          
        contract transactions.....        49,334,832        29,352,079                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
        in net assets.............       134,861,940       158,838,801                                     
NET ASSETS:                                                                                                
   Beginning of year..............       451,710,565       292,871,764                                     
                                    ----------------  ----------------                                     
   End of year....................  $    586,572,505  $    451,710,565                                     
                                    ================  ================                                     

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                   MIST                               MIST                
                                        GOLDMAN SACHS MID CAP VALUE       HARRIS OAKMARK INTERNATIONAL    
                                                SUB-ACCOUNT                        SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2014              2013              2014              2013      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $    (1,829,907)  $    (1,173,155)  $      5,671,683  $      5,201,015
   Net realized gains (losses)....        34,906,259        12,013,375        74,815,977        11,702,177
   Change in unrealized gains                                                                             
     (losses) on investments......      (14,180,162)        31,704,368     (131,491,626)       134,182,838
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        18,896,190        42,544,588      (51,003,966)       151,086,030
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         1,617,745         1,260,840        13,222,191        17,704,175
   Net transfers (including fixed                                                                         
     account).....................         6,895,267           158,750        67,256,961        27,865,479
   Contract charges...............       (1,396,608)       (1,323,450)       (6,242,202)       (5,353,619)
   Transfers for contract benefits                                                                        
     and terminations.............      (17,538,311)      (11,814,121)      (53,706,976)      (36,258,075)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......      (10,421,907)      (11,717,981)        20,529,974         3,957,960
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............         8,474,283        30,826,607      (30,473,992)       155,043,990
NET ASSETS:                                                                                               
   Beginning of year..............       170,038,386       139,211,779       693,983,244       538,939,254
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    178,512,669  $    170,038,386  $    663,509,252  $    693,983,244
                                    ================  ================  ================  ================


                                                  MIST                                                    
                                    INVESCO BALANCED-RISK ALLOCATION          MIST INVESCO COMSTOCK       
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2014              2013              2014              2013      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $   (11,534,041)  $   (12,158,692)  $    (5,948,017)  $    (1,674,772)
   Net realized gains (losses)....        40,501,882        10,077,015        19,778,596         9,703,108
   Change in unrealized gains                                                                             
     (losses) on investments......         4,357,344         4,078,692        42,690,949       101,696,056
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        33,325,185         1,997,015        56,521,528       109,724,392
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........        46,938,907       168,173,765        18,779,139        20,478,377
   Net transfers (including fixed                                                                         
     account).....................      (45,599,752)        45,607,989       351,468,472        11,030,539
   Contract charges...............      (11,948,746)      (10,692,799)       (6,851,970)       (3,417,107)
   Transfers for contract benefits                                                                        
     and terminations.............      (33,501,846)      (23,347,690)      (50,479,016)      (23,713,080)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......      (44,111,437)       179,741,265       312,916,625         4,378,729
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............      (10,786,252)       181,738,280       369,438,153       114,103,121
NET ASSETS:                                                                                               
   Beginning of year..............       843,160,697       661,422,417       443,561,923       329,458,802
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    832,374,445  $    843,160,697  $    813,000,076  $    443,561,923
                                    ================  ================  ================  ================



                                        MIST INVESCO MID CAP VALUE         MIST INVESCO SMALL CAP GROWTH  
                                                SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ----------------------------------
                                          2014              2013              2014              2013      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $    (2,692,440)  $    (1,314,553)  $    (4,813,204)  $    (3,674,573)
   Net realized gains (losses)....        32,283,294         7,722,920        47,750,149        24,585,422
   Change in unrealized gains                                                                             
     (losses) on investments......       (9,866,841)        30,620,411      (24,251,382)        67,501,884
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        19,724,013        37,028,778        18,685,563        88,412,733
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         5,541,819         2,155,363         6,584,864        10,016,335
   Net transfers (including fixed                                                                         
     account).....................        91,176,014      (10,011,007)       (5,472,948)         1,587,973
   Contract charges...............       (2,498,611)       (1,678,656)       (2,652,796)       (2,269,655)
   Transfers for contract benefits                                                                        
     and terminations.............      (13,576,001)       (7,603,595)      (27,691,755)      (19,026,821)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......        80,643,221      (17,137,895)      (29,232,635)       (9,692,168)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............       100,367,234        19,890,883      (10,547,072)        78,720,565
NET ASSETS:                                                                                               
   Beginning of year..............       158,040,375       138,149,492       319,189,345       240,468,780
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    258,407,609  $    158,040,375  $    308,642,273  $    319,189,345
                                    ================  ================  ================  ================



                                         MIST JPMORGAN CORE BOND                                          
                                               SUB-ACCOUNT                                                
                                    ----------------------------------                                    
                                          2014              2013                                          
                                    ----------------  ----------------                                    
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (418,668)  $    (4,238,910)                                    
   Net realized gains (losses)....         1,294,863        24,886,829                                    
   Change in unrealized gains                                                                             
     (losses) on investments......        10,102,500      (36,171,178)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        10,978,695      (15,523,259)                                    
                                    ----------------  ----------------                                    
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         2,044,373         2,386,585                                    
   Net transfers (including fixed                                                                         
     account).....................        58,496,687         1,463,200                                    
   Contract charges...............       (3,817,976)       (3,775,856)                                    
   Transfers for contract benefits                                                                        
     and terminations.............      (24,333,751)      (19,173,185)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......        32,389,333      (19,099,256)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets..............        43,368,028      (34,622,515)                                    
NET ASSETS:                                                                                               
   Beginning of year..............       311,869,932       346,492,447                                    
                                    ----------------  ----------------                                    
   End of year....................  $    355,237,960  $    311,869,932                                    
                                    ================  ================                                    

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                   MIST                                                     
                                     JPMORGAN GLOBAL ACTIVE ALLOCATION      MIST JPMORGAN SMALL CAP VALUE   
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2014              2013                2014              2013      
                                    ----------------  ----------------   -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (2,333,867)  $    (6,934,561)   $       (184,083)  $      (280,527)
   Net realized gains (losses)....        27,540,298         2,430,024           4,065,482         1,241,336
   Change in unrealized gains                                                                               
     (losses) on investments......        19,805,708        53,369,009         (3,083,282)         6,048,540
                                    ----------------  ----------------   -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........        45,012,139        48,864,472             798,117         7,009,349
                                    ----------------  ----------------   -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........        61,831,643       122,948,435             375,799           370,757
   Net transfers (including fixed                                                                           
     account).....................        91,593,515       313,227,408           1,061,177       (1,450,951)
   Contract charges...............      (12,087,064)       (6,988,131)           (294,244)         (290,764)
   Transfers for contract benefits                                                                          
     and terminations.............      (27,224,492)      (13,774,602)         (1,874,915)       (1,786,801)
                                    ----------------  ----------------   -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions.....       114,113,602       415,413,110           (732,183)       (3,157,759)
                                    ----------------  ----------------   -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets.............       159,125,741       464,277,582              65,934         3,851,590
NET ASSETS:                                                                                                 
   Beginning of year..............       746,849,717       282,572,135          27,866,566        24,014,976
                                    ----------------  ----------------   -----------------  ----------------
   End of year....................  $    905,975,458  $    746,849,717   $      27,932,500  $     27,866,566
                                    ================  ================   =================  ================



                                     MIST LOOMIS SAYLES GLOBAL MARKETS    MIST LORD ABBETT BOND DEBENTURE   
                                                SUB-ACCOUNT                         SUB-ACCOUNT             
                                    -----------------------------------  ---------------------------------- 
                                          2014              2013               2014              2013       
                                    ----------------  -----------------  ----------------  ---------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $        903,964  $       1,519,876  $     10,384,873  $     12,964,602 
   Net realized gains (losses)....         5,851,208          5,872,725        10,876,570         4,166,635 
   Change in unrealized gains                                                                               
     (losses) on investments......       (3,452,819)         18,236,473      (13,286,737)       (1,363,498) 
                                    ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........         3,302,353         25,629,074         7,974,706        15,767,739 
                                    ----------------  -----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         1,804,342          2,604,900         2,605,721         2,945,951 
   Net transfers (including fixed                                                                           
     account).....................         6,834,599       (13,383,801)       (8,200,868)         3,690,479 
   Contract charges...............       (1,718,440)        (1,759,667)       (1,568,374)       (1,551,965) 
   Transfers for contract benefits                                                                          
     and terminations.............      (13,467,605)       (10,275,135)      (25,529,114)      (27,568,008) 
                                    ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions.....       (6,547,104)       (22,813,703)      (32,692,635)      (22,483,543) 
                                    ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                
        in net assets.............       (3,244,751)          2,815,371      (24,717,929)       (6,715,804) 
NET ASSETS:                                                                                                 
   Beginning of year..............       180,595,781        177,780,410       259,294,487       266,010,291 
                                    ----------------  -----------------  ----------------  ---------------- 
   End of year....................  $    177,351,030  $     180,595,781  $    234,576,558  $    259,294,487 
                                    ================  =================  ================  ================ 


                                                                                  MIST MET/FRANKLIN         
                                    MIST MET/EATON VANCE FLOATING RATE        LOW DURATION TOTAL RETURN     
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                           2014              2013              2014              2013       
                                    -----------------  ----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $       1,659,223  $      1,167,863  $      1,030,348  $       (409,213)
   Net realized gains (losses)....            211,258           371,454         (132,806)             31,429
   Change in unrealized gains                                                                               
     (losses) on investments......        (2,518,686)         (202,111)       (1,819,015)            351,282
                                    -----------------  ----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........          (648,205)         1,337,206         (921,473)           (26,502)
                                    -----------------  ----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........          1,192,071         1,243,464         2,090,130          2,247,876
   Net transfers (including fixed                                                                           
     account).....................        (1,922,295)        31,075,652        46,451,435        100,397,861
   Contract charges...............          (776,640)         (606,811)       (2,104,842)          (860,351)
   Transfers for contract benefits                                                                          
     and terminations.............        (7,051,558)       (4,130,678)      (12,697,479)        (5,061,682)
                                    -----------------  ----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions.....        (8,558,422)        27,581,627        33,739,244         96,723,704
                                    -----------------  ----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets.............        (9,206,627)        28,918,833        32,817,771         96,697,202
NET ASSETS:                                                                                                 
   Beginning of year..............         83,115,837        54,197,004       140,307,146         43,609,944
                                    -----------------  ----------------  ----------------  -----------------
   End of year....................  $      73,909,210  $     83,115,837  $    173,124,917  $     140,307,146
                                    =================  ================  ================  =================


                                                  MIST                                                      
                                    MET/TEMPLETON INTERNATIONAL BOND                                        
                                               SUB-ACCOUNT                                                  
                                    ----------------------------------                                      
                                          2014              2013                                            
                                    ----------------  ----------------                                      
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $      1,574,302  $        276,907                                      
   Net realized gains (losses)....         (178,047)            98,819                                      
   Change in unrealized gains                                                                               
     (losses) on investments......       (1,505,639)         (752,953)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........         (109,384)         (377,227)                                      
                                    ----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........           226,823           293,635                                      
   Net transfers (including fixed                                                                           
     account).....................       (1,575,024)       (1,527,452)                                      
   Contract charges...............         (654,339)         (704,031)                                      
   Transfers for contract benefits                                                                          
     and terminations.............       (2,990,340)       (2,400,039)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions.....       (4,992,880)       (4,337,887)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets.............       (5,102,264)       (4,715,114)                                      
NET ASSETS:                                                                                                 
   Beginning of year..............        52,286,139        57,001,253                                      
                                    ----------------  ----------------                                      
   End of year....................  $     47,183,875  $     52,286,139                                      
                                    ================  ================                                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]


                                    MIST METLIFE ASSET ALLOCATION 100       MIST METLIFE BALANCED PLUS      
                                               SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2014              2013              2014              2013        
                                    ----------------  ----------------  ----------------  ----------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (5,850,777)  $    (5,162,875)  $     23,588,127  $    (12,169,666) 
   Net realized gains (losses)....        16,294,442         8,803,988       552,071,894        109,386,034 
   Change in unrealized gains                                                                               
     (losses) on investments......        11,631,228       141,558,132      (36,064,867)        560,925,735 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............        22,074,893       145,199,245       539,595,154        658,142,103 
                                    ----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         6,121,321         6,117,615       180,291,226        512,612,376 
   Net transfers (including fixed                                                                           
     account).....................         4,111,278           344,230       440,513,036        934,128,079 
   Contract charges...............       (4,988,560)       (4,668,056)      (95,398,763)       (75,280,741) 
   Transfers for contract benefits                                                                          
     and terminations.............      (45,715,642)      (32,065,600)     (251,273,497)      (168,084,256) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......      (40,471,603)      (30,271,811)       274,132,002      1,203,375,458 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
       in net assets..............      (18,396,710)       114,927,434       813,727,156      1,861,517,561 
NET ASSETS:                                                                                                 
   Beginning of year..............       659,971,504       545,044,070     6,454,726,976      4,593,209,415 
                                    ----------------  ----------------  ----------------  ----------------- 
   End of year....................  $    641,574,794  $    659,971,504  $  7,268,454,132  $   6,454,726,976 
                                    ================  ================  ================  ================= 


                                                  MIST                                                      
                                    METLIFE MULTI-INDEX TARGETED RISK      MIST METLIFE SMALL CAP VALUE     
                                               SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2014              2013              2014               2013       
                                    ----------------  ----------------  ----------------  ----------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (4,724,040)  $      (699,118)  $    (4,819,875)  $     (1,972,508) 
   Net realized gains (losses)....         1,441,000         3,617,087        28,733,355         14,422,998 
   Change in unrealized gains                                                                               
     (losses) on investments......        28,321,809         7,257,662      (23,969,258)         71,078,415 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............        25,038,769        10,175,631          (55,778)         83,528,905 
                                    ----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........        39,107,524        48,451,797         2,163,105          2,497,715 
   Net transfers (including fixed                                                                           
     account).....................       164,988,787       142,884,678       (7,179,469)       (16,141,981) 
   Contract charges...............       (4,851,352)         (796,188)       (2,208,499)        (2,257,569) 
   Transfers for contract benefits                                                                          
     and terminations.............      (12,726,825)       (2,006,845)      (32,407,421)       (24,465,425) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......       186,518,134       188,533,442      (39,632,284)       (40,367,260) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
       in net assets..............       211,556,903       198,709,073      (39,688,062)         43,161,645 
NET ASSETS:                                                                                                 
   Beginning of year..............       209,957,052        11,247,979       330,701,962        287,540,317 
                                    ----------------  ----------------  ----------------  ----------------- 
   End of year....................  $    421,513,955  $    209,957,052  $    291,013,900  $     330,701,962 
                                    ================  ================  ================  ================= 



                                     MIST MFS EMERGING MARKETS EQUITY       MIST MFS RESEARCH INTERNATIONAL 
                                                SUB-ACCOUNT                           SUB-ACCOUNT           
                                    ------------------------------------  ----------------------------------
                                           2014              2013               2014              2013      
                                     ----------------  ----------------   ----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...   $    (3,159,826)  $    (2,103,697)   $      2,090,191  $      3,181,971
   Net realized gains (losses)....          2,820,880         1,835,792          1,753,034           522,322
   Change in unrealized gains                                                                               
     (losses) on investments......       (35,285,750)      (28,154,915)       (30,446,779)        47,772,611
                                     ----------------  ----------------   ----------------  ----------------
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............       (35,624,696)      (28,422,820)       (26,603,554)        51,476,904
                                     ----------------  ----------------   ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........          7,559,248        18,621,868          4,632,660         5,992,222
   Net transfers (including fixed                                                                           
     account).....................         29,309,475        44,696,703          6,352,582      (11,184,676)
   Contract charges...............        (4,822,730)       (4,647,330)        (2,468,848)       (2,476,702)
   Transfers for contract benefits                                                                          
     and terminations.............       (26,878,803)      (22,864,787)       (25,488,292)      (23,934,709)
                                     ----------------  ----------------   ----------------  ----------------
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......          5,167,190        35,806,454       (16,971,898)      (31,603,865)
                                     ----------------  ----------------   ----------------  ----------------
     Net increase (decrease)                                                                                
       in net assets..............       (30,457,506)         7,383,634       (43,575,452)        19,873,039
NET ASSETS:                                                                                                 
   Beginning of year..............        456,076,892       448,693,258        331,488,461       311,615,422
                                     ----------------  ----------------   ----------------  ----------------
   End of year....................   $    425,619,386  $    456,076,892   $    287,913,009  $    331,488,461
                                     ================  ================   ================  ================


                                                   MIST                                                     
                                       MORGAN STANLEY MID CAP GROWTH                                        
                                                SUB-ACCOUNT                                                 
                                    ----------------------------------                                      
                                          2014              2013                                            
                                    ----------------  ----------------                                      
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (3,409,470)  $    (1,696,520)                                      
   Net realized gains (losses)....         5,684,794         2,455,142                                      
   Change in unrealized gains                                                                               
     (losses) on investments......       (2,736,107)        64,718,433                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............         (460,783)        65,477,055                                      
                                    ----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........        11,815,143        30,911,631                                      
   Net transfers (including fixed                                                                           
     account).....................           261,603       (5,530,092)                                      
   Contract charges...............       (2,627,209)       (2,046,240)                                      
   Transfers for contract benefits                                                                          
     and terminations.............      (13,039,300)      (10,333,215)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......       (3,589,763)        13,002,084                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
       in net assets..............       (4,050,546)        78,479,139                                      
NET ASSETS:                                                                                                 
   Beginning of year..............       244,579,234       166,100,095                                      
                                    ----------------  ----------------                                      
   End of year....................  $    240,528,688  $    244,579,234                                      
                                    ================  ================                                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                                              MIST                                          
                                                                         PANAGORA GLOBAL             MIST PIMCO             
                                      MIST OPPENHEIMER GLOBAL EQUITY    DIVERSIFIED RISK      INFLATION PROTECTED BOND      
                                                SUB-ACCOUNT                SUB-ACCOUNT               SUB-ACCOUNT            
                                    ----------------------------------  ----------------  ----------------------------------
                                          2014              2013            2014 (b)            2014              2013      
                                    ----------------  ----------------  ----------------  ----------------  ----------------
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $      (389,294)  $      (523,132)  $       (23,522)  $      (314,897)  $      5,656,555
   Net realized gains (losses)....         3,495,793           471,553           207,621      (10,840,115)        44,720,235
   Change in unrealized gains                                                                                               
     (losses) on investments......       (2,567,600)        11,622,690         (153,203)        22,930,848     (156,230,192)
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............           538,899        11,571,111            30,896        11,775,836     (105,853,402)
                                    ----------------  ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........           399,861           974,476         2,980,950         5,645,359         7,816,286
   Net transfers (including fixed                                                                                           
     account).....................           480,602        59,782,304         7,342,567      (42,539,161)      (33,502,041)
   Contract charges...............         (525,821)         (334,651)          (46,489)       (8,436,136)       (9,760,980)
   Transfers for contract benefits                                                                                          
     and terminations.............       (6,941,115)       (3,578,136)         (146,280)      (55,305,583)      (58,283,070)
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......       (6,586,473)        56,843,993        10,130,748     (100,635,521)      (93,729,805)
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                
       in net assets..............       (6,047,574)        68,415,104        10,161,644      (88,859,685)     (199,583,207)
NET ASSETS:                                                                                                                 
   Beginning of year..............        78,398,573         9,983,469                --       821,456,089     1,021,039,296
                                    ----------------  ----------------  ----------------  ----------------  ----------------
   End of year....................  $     72,350,999  $     78,398,573  $     10,161,644  $    732,596,404  $    821,456,089
                                    ================  ================  ================  ================  ================



                                         MIST PIMCO TOTAL RETURN                MIST PIONEER FUND                           
                                               SUB-ACCOUNT                         SUB-ACCOUNT                              
                                    ----------------------------------  ----------------------------------                  
                                          2014              2013              2014              2013                        
                                    ----------------  ----------------  ----------------  ----------------                  
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $     14,856,202  $     57,226,440  $        817,446  $      4,682,697                  
   Net realized gains (losses)....       (1,792,640)        42,284,668        87,911,473         4,614,621                  
   Change in unrealized gains                                                                                               
     (losses) on investments......        36,415,773     (175,186,613)      (61,223,094)        61,555,660                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............        49,479,335      (75,675,505)        27,505,825        70,852,978                  
                                    ----------------  ----------------  ----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........        14,074,315        23,558,528         9,637,842        28,240,878                  
   Net transfers (including fixed                                                                                           
     account).....................      (98,518,340)      (36,143,738)       (8,227,980)       (4,702,128)                  
   Contract charges...............      (20,347,053)      (21,824,762)       (3,315,269)       (2,681,923)                  
   Transfers for contract benefits                                                                                          
     and terminations.............     (151,437,179)     (130,498,036)      (17,438,624)      (13,997,790)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......     (256,228,257)     (164,908,008)      (19,344,031)         6,859,037                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets..............     (206,748,922)     (240,583,513)         8,161,794        77,712,015                  
NET ASSETS:                                                                                                                 
   Beginning of year..............     1,993,786,948     2,234,370,461       297,755,670       220,043,655                  
                                    ----------------  ----------------  ----------------  ----------------                  
   End of year....................  $  1,787,038,026  $  1,993,786,948  $    305,917,464  $    297,755,670                  
                                    ================  ================  ================  ================                  



                                      MIST PIONEER STRATEGIC INCOME       MIST PYRAMIS GOVERNMENT INCOME                    
                                               SUB-ACCOUNT                          SUB-ACCOUNT                             
                                    ----------------------------------  ----------------------------------                  
                                          2014              2013              2014              2013                        
                                    ----------------  ----------------  ----------------  ----------------                  
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $     34,258,738  $     30,105,308  $      8,253,807  $      1,187,173                  
   Net realized gains (losses)....        12,258,413         3,348,132       (2,556,572)         2,758,477                  
   Change in unrealized gains                                                                                               
     (losses) on investments......      (17,661,136)      (32,752,219)        34,979,601      (56,847,411)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............        28,856,015           701,221        40,676,836      (52,901,761)                  
                                    ----------------  ----------------  ----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........        28,345,716        95,062,807         3,770,560        63,436,489                  
   Net transfers (including fixed                                                                                           
     account).....................        42,682,881        81,921,721      (28,818,734)     (213,162,045)                  
   Contract charges...............       (9,619,195)       (7,949,861)      (10,709,776)      (12,240,571)                  
   Transfers for contract benefits                                                                                          
     and terminations.............      (65,741,442)      (55,184,071)      (40,212,165)      (38,279,793)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......       (4,332,040)       113,850,596      (75,970,115)     (200,245,920)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets..............        24,523,975       114,551,817      (35,293,279)     (253,147,681)                  
NET ASSETS:                                                                                                                 
   Beginning of year..............       919,328,857       804,777,040       715,739,557       968,887,238                  
                                    ----------------  ----------------  ----------------  ----------------                  
   End of year....................  $    943,852,832  $    919,328,857  $    680,446,278  $    715,739,557                  
                                    ================  ================  ================  ================                  

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]


                                         MIST PYRAMIS MANAGED RISK       MIST SCHRODERS GLOBAL MULTI-ASSET 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2014            2013 (c)            2014              2013       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (1,731,736)  $        251,733  $      (428,408)  $    (4,795,245) 
   Net realized gains (losses)....           515,242         1,330,956        18,517,553         2,079,740 
   Change in unrealized gains                                                                              
     (losses) on investments......         9,325,602         1,889,489        10,370,401        31,029,531 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         8,109,108         3,472,178        28,459,546        28,314,026 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        21,094,105        11,152,445        19,796,572        68,362,808 
   Net transfers (including fixed                                                                          
     account).....................        61,855,680        64,918,197        32,175,596       161,034,274 
   Contract charges...............       (1,600,359)         (309,972)       (6,709,852)       (4,470,986) 
   Transfers for contract benefits                                                                         
     and terminations.............       (4,362,374)         (815,619)      (15,546,572)       (9,919,594) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......        76,987,052        74,945,051        29,715,744       215,006,502 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        85,096,160        78,417,229        58,175,290       243,320,528 
NET ASSETS:                                                                                                
   Beginning of year..............        78,417,229                --       435,205,689       191,885,161 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    163,513,389  $     78,417,229  $    493,380,979  $    435,205,689 
                                    ================  ================  ================  ================ 



                                      MIST SSGA GROWTH AND INCOME ETF           MIST SSGA GROWTH ETF       
                                                SUB-ACCOUNT                          SUB-ACCOUNT           
                                    -----------------------------------  ----------------------------------
                                          2014              2013               2014              2013      
                                    ----------------  ----------------   ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $     11,253,551  $     15,406,854   $      1,691,616  $      2,717,724
   Net realized gains (losses)....       113,377,455        56,799,502         41,161,005        25,386,819
   Change in unrealized gains                                                                              
     (losses) on investments......      (60,416,484)        92,923,301       (24,023,767)        44,458,197
                                    ----------------  ----------------   ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        64,214,522       165,129,657         18,828,854        72,562,740
                                    ----------------  ----------------   ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        10,439,074        11,860,244          6,532,143         5,978,512
   Net transfers (including fixed                                                                          
     account).....................      (25,023,322)      (37,705,533)        (3,398,510)         6,512,325
   Contract charges...............      (18,124,397)      (18,210,457)        (5,200,778)       (4,933,205)
   Transfers for contract benefits                                                                         
     and terminations.............      (95,978,922)      (64,397,713)       (24,564,862)      (18,680,473)
                                    ----------------  ----------------   ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......     (128,687,567)     (108,453,459)       (26,632,007)      (11,122,841)
                                    ----------------  ----------------   ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............      (64,473,045)        56,676,198        (7,803,153)        61,439,899
NET ASSETS:                                                                                                
   Beginning of year..............     1,578,178,677     1,521,502,479        509,607,858       448,167,959
                                    ----------------  ----------------   ----------------  ----------------
   End of year....................  $  1,513,705,632  $  1,578,178,677   $    501,804,705  $    509,607,858
                                    ================  ================   ================  ================


                                                                                       MIST                
                                    MIST T. ROWE PRICE LARGE CAP VALUE     T. ROWE PRICE MID CAP GROWTH    
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    -----------------------------------  ----------------------------------
                                           2014              2013              2014              2013      
                                     ----------------  ----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...   $    (2,592,578)  $        274,524  $    (8,684,292)  $    (7,216,909)
   Net realized gains (losses)....         22,160,919        12,380,070        83,347,675        44,126,921
   Change in unrealized gains                                                                              
     (losses) on investments......         67,563,377       154,938,541      (17,691,662)       116,792,789
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         87,131,718       167,593,135        56,971,721       153,702,801
                                     ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         12,253,858         7,988,896         3,338,843         4,862,681
   Net transfers (including fixed                                                                          
     account).....................        159,566,655         4,058,593      (37,998,561)      (21,028,467)
   Contract charges...............        (4,113,653)       (3,122,742)       (4,959,686)       (4,805,296)
   Transfers for contract benefits                                                                         
     and terminations.............       (73,966,475)      (55,363,943)      (48,648,856)      (31,385,247)
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......         93,740,385      (46,439,196)      (88,268,260)      (52,356,329)
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............        180,872,103       121,153,939      (31,296,539)       101,346,472
NET ASSETS:                                                                                                
   Beginning of year..............        657,944,319       536,790,380       568,882,747       467,536,275
                                     ----------------  ----------------  ----------------  ----------------
   End of year....................   $    838,816,422  $    657,944,319  $    537,586,208  $    568,882,747
                                     ================  ================  ================  ================



                                       MIST WMC LARGE CAP RESEARCH                                         
                                               SUB-ACCOUNT                                                 
                                    ----------------------------------                                     
                                          2014              2013                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      (152,311)  $       (69,719)                                     
   Net realized gains (losses)....           962,687           843,040                                     
   Change in unrealized gains                                                                              
     (losses) on investments......         1,050,584         3,552,916                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         1,860,960         4,326,237                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........           307,777           654,278                                     
   Net transfers (including fixed                                                                          
     account).....................         (607,575)         (847,332)                                     
   Contract charges...............         (197,017)         (180,167)                                     
   Transfers for contract benefits                                                                         
     and terminations.............         (973,400)       (1,522,513)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (1,470,215)       (1,895,734)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............           390,745         2,430,503                                     
NET ASSETS:                                                                                                
   Beginning of year..............        16,869,650        14,439,147                                     
                                    ----------------  ----------------                                     
   End of year....................  $     17,260,395  $     16,869,650                                     
                                    ================  ================                                     

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                    MSF                                                      
                                    BAILLIE GIFFORD INTERNATIONAL STOCK    MSF BARCLAYS AGGREGATE BOND INDEX 
                                                SUB-ACCOUNT                           SUB-ACCOUNT            
                                    ------------------------------------  -----------------------------------
                                           2014              2013               2014              2013       
                                     ----------------  ----------------   ----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...   $      (823,308)  $    (3,165,848)   $      2,129,181  $      2,684,004 
   Net realized gains (losses)....          2,816,068         1,385,436          (108,055)         (145,067) 
   Change in unrealized gains                                                                                
     (losses) on investments......       (15,452,332)        31,198,214          4,954,438       (8,883,122) 
                                     ----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       (13,459,572)        29,417,802          6,975,564       (6,344,185) 
                                     ----------------  ----------------   ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........          1,436,654         1,422,162          9,707,112        11,149,289 
   Net transfers (including fixed                                                                            
     account).....................            324,776       282,688,482         51,418,453        15,951,296 
   Contract charges...............        (3,197,760)       (2,205,156)        (2,153,905)       (1,698,851) 
   Transfers for contract benefits                                                                           
     and terminations.............       (19,054,714)      (10,455,850)       (15,043,074)       (8,039,466) 
                                     ----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......       (20,491,044)       271,449,638         43,928,586        17,362,268 
                                     ----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets..............       (33,950,616)       300,867,440         50,904,150        11,018,083 
NET ASSETS:                                                                                                  
   Beginning of year..............        303,453,047         2,585,607        162,571,849       151,553,766 
                                     ----------------  ----------------   ----------------  ---------------- 
   End of year....................   $    269,502,431  $    303,453,047   $    213,475,999  $    162,571,849 
                                     ================  ================   ================  ================ 


                                                                                        MSF                  
                                         MSF BLACKROCK BOND INCOME        BLACKROCK CAPITAL APPRECIATION     
                                                SUB-ACCOUNT                         SUB-ACCOUNT              
                                    -----------------------------------  ----------------------------------  
                                           2014              2013              2014              2013        
                                    -----------------  ----------------  ----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $         952,581  $      1,256,228  $      (221,645)  $      (112,438)  
   Net realized gains (losses)....             40,190         1,515,855         1,124,532           691,188  
   Change in unrealized gains                                                                                
     (losses) on investments......          2,001,494       (4,322,733)            32,868         3,229,055  
                                    -----------------  ----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............          2,994,265       (1,550,650)           935,755         3,807,805  
                                    -----------------  ----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........          2,147,683         5,100,261           465,737         1,032,741  
   Net transfers (including fixed                                                                            
     account).....................          6,751,669         1,673,798         (848,033)          (69,939)  
   Contract charges...............          (621,824)         (567,749)         (110,785)         (108,766)  
   Transfers for contract benefits                                                                           
     and terminations.............        (4,908,655)       (5,292,686)       (1,028,588)       (1,221,109)  
                                    -----------------  ----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......          3,368,873           913,624       (1,521,669)         (367,073)  
                                    -----------------  ----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
       in net assets..............          6,363,138         (637,026)         (585,914)         3,440,732  
NET ASSETS:                                                                                                  
   Beginning of year..............         57,251,907        57,888,933        15,272,342        11,831,610  
                                    -----------------  ----------------  ----------------  ----------------  
   End of year....................  $      63,615,045  $     57,251,907  $     14,686,428  $     15,272,342  
                                    =================  ================  ================  ================  



                                       MSF BLACKROCK LARGE CAP VALUE       MSF BLACKROCK MONEY MARKET        
                                                SUB-ACCOUNT                        SUB-ACCOUNT               
                                    ----------------------------------  ----------------------------------   
                                          2014              2013              2014              2013         
                                    ----------------  ----------------  ----------------  ----------------   
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $        (2,636)  $          1,769  $    (6,766,906)  $    (8,012,597)   
   Net realized gains (losses)....           921,265           196,427                --                --   
   Change in unrealized gains                                                                                
     (losses) on investments......         (583,420)           706,190                --                --   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............           335,209           904,386       (6,766,906)       (8,012,597)   
                                    ----------------  ----------------  ----------------  ----------------   
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........           187,882           170,505        16,019,042        35,808,232   
   Net transfers (including fixed                                                                            
     account).....................           257,815           180,009        38,236,997       (7,315,471)   
   Contract charges...............             (155)             (147)       (4,868,193)       (5,349,795)   
   Transfers for contract benefits                                                                           
     and terminations.............         (372,113)         (439,359)     (108,077,463)     (122,897,380)   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......            73,429          (88,992)      (58,689,617)      (99,754,414)   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease)                                                                                 
       in net assets..............           408,638           815,394      (65,456,523)     (107,767,011)   
NET ASSETS:                                                                                                  
   Beginning of year..............         3,792,926         2,977,532       461,342,890       569,109,901   
                                    ----------------  ----------------  ----------------  ----------------   
   End of year....................  $      4,201,564  $      3,792,926  $    395,886,367  $    461,342,890   
                                    ================  ================  ================  ================   



                                        MSF FRONTIER MID CAP GROWTH                                          
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                          2014            2013 (c)                                           
                                    ----------------  -----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $    (1,322,869)  $       (897,791)                                      
   Net realized gains (losses)....         9,730,209          1,222,819                                      
   Change in unrealized gains                                                                                
     (losses) on investments......       (1,239,505)         14,503,587                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............         7,167,835         14,828,615                                      
                                    ----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........           593,698            339,204                                      
   Net transfers (including fixed                                                                            
     account).....................       (3,064,927)         73,026,037                                      
   Contract charges...............         (703,442)          (461,156)                                      
   Transfers for contract benefits                                                                           
     and terminations.............       (6,346,789)        (4,081,537)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......       (9,521,460)         68,822,548                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
       in net assets..............       (2,353,625)         83,651,163                                      
NET ASSETS:                                                                                                  
   Beginning of year..............        83,651,163                 --                                      
                                    ----------------  -----------------                                      
   End of year....................  $     81,297,538  $      83,651,163                                      
                                    ================  =================                                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]


                                            MSF JENNISON GROWTH           MSF LOOMIS SAYLES SMALL CAP CORE  
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  ---------------------------------- 
                                          2014              2013               2014              2013       
                                    ----------------  -----------------  ----------------  ---------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (8,604,142)  $     (7,335,002)  $      (241,088)  $      (200,052) 
   Net realized gains (losses)....        57,107,511         20,299,862         2,320,935         1,982,997 
   Change in unrealized gains                                                                               
     (losses) on investments......      (11,083,979)        145,943,839       (1,853,055)         2,464,698 
                                    ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........        37,419,390        158,908,699           226,792         4,247,643 
                                    ----------------  -----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         2,880,660          3,447,603           156,508           344,417 
   Net transfers (including fixed                                                                           
     account).....................      (44,484,377)        (2,923,592)         (366,480)       (1,074,960) 
   Contract charges...............       (4,133,996)        (3,962,178)         (175,842)         (173,285) 
   Transfers for contract benefits                                                                          
     and terminations.............      (48,285,573)       (38,611,159)         (745,280)       (1,065,267) 
                                    ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions.....      (94,023,286)       (42,049,326)       (1,131,094)       (1,969,095) 
                                    ----------------  -----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                                
        in net assets.............      (56,603,896)        116,859,373         (904,302)         2,278,548 
NET ASSETS:                                                                                                 
   Beginning of year..............       585,624,219        468,764,846        14,610,773        12,332,225 
                                    ----------------  -----------------  ----------------  ---------------- 
   End of year....................  $    529,020,323  $     585,624,219  $     13,706,471  $     14,610,773 
                                    ================  =================  ================  ================ 


                                                    MSF                                                     
                                      LOOMIS SAYLES SMALL CAP GROWTH        MSF MET/ARTISAN MID CAP VALUE   
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                           2014              2013              2014               2013      
                                     ----------------  ----------------  -----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...   $        (2,894)  $        (1,411)  $     (2,770,312)  $    (2,081,656)
   Net realized gains (losses)....             33,035            10,812          9,182,228         2,704,503
   Change in unrealized gains                                                                               
     (losses) on investments......           (27,964)            37,804        (6,138,938)        71,939,639
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........              2,177            47,205            272,978        72,562,486
                                     ----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........             34,767            71,019          2,279,317         2,406,731
   Net transfers (including fixed                                                                           
     account).....................             33,954            72,654       (15,880,836)        15,760,862
   Contract charges...............              (817)             (292)        (1,707,607)       (1,572,787)
   Transfers for contract benefits                                                                          
     and terminations.............            (3,450)           (4,711)       (26,349,339)      (20,643,858)
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions.....             64,454           138,670       (41,658,465)       (4,049,052)
                                     ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                                
        in net assets.............             66,631           185,875       (41,385,487)        68,513,434
NET ASSETS:                                                                                                 
   Beginning of year..............            226,802            40,927        285,771,010       217,257,576
                                     ----------------  ----------------  -----------------  ----------------
   End of year....................   $        293,433  $        226,802  $     244,385,523  $    285,771,010
                                     ================  ================  =================  ================


                                            MSF MET/DIMENSIONAL                                             
                                        INTERNATIONAL SMALL COMPANY       MSF METLIFE ASSET ALLOCATION 20   
                                                SUB-ACCOUNT                         SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2014              2013              2014              2013        
                                    ----------------  ----------------  ----------------  ----------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $        265,996  $         75,530  $       (93,420)  $         123,598 
   Net realized gains (losses)....         4,114,623         2,053,871           589,830            324,295 
   Change in unrealized gains                                                                               
     (losses) on investments......       (9,176,434)        11,472,763          (85,239)          (227,599) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........       (4,795,815)        13,602,164           411,171            220,294 
                                    ----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........           815,496           946,915           365,589                 -- 
   Net transfers (including fixed                                                                           
     account).....................           191,200         2,187,268        35,836,944          (726,171) 
   Contract charges...............         (593,152)         (559,879)         (223,118)           (83,224) 
   Transfers for contract benefits                                                                          
     and terminations.............       (3,606,060)       (2,632,342)       (2,200,451)        (1,568,517) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions.....       (3,192,516)          (58,038)        33,778,964        (2,377,912) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets.............       (7,988,331)        13,544,126        34,190,135        (2,157,618) 
NET ASSETS:                                                                                                 
   Beginning of year..............        66,162,419        52,618,293         7,497,408          9,655,026 
                                    ----------------  ----------------  ----------------  ----------------- 
   End of year....................  $     58,174,088  $     66,162,419  $     41,687,543  $       7,497,408 
                                    ================  ================  ================  ================= 



                                      MSF METLIFE ASSET ALLOCATION 40                                       
                                                SUB-ACCOUNT                                                 
                                    ----------------------------------                                      
                                          2014              2013                                            
                                    ----------------  ----------------                                      
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $   (56,436,952)  $         60,178                                      
   Net realized gains (losses)....        14,979,444           205,663                                      
   Change in unrealized gains                                                                               
     (losses) on investments......       181,094,658           395,866                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations...........       139,637,150           661,707                                      
                                    ----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........        12,615,751                --                                      
   Net transfers (including fixed                                                                           
     account).....................     5,139,621,026           151,035                                      
   Contract charges...............      (34,412,284)          (63,032)                                      
   Transfers for contract benefits                                                                          
     and terminations.............     (273,737,211)         (594,121)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions.....     4,844,087,282         (506,118)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets.............     4,983,724,432           155,589                                      
NET ASSETS:                                                                                                 
   Beginning of year..............         7,732,376         7,576,787                                      
                                    ----------------  ----------------                                      
   End of year....................  $  4,991,456,808  $      7,732,376                                      
                                    ================  ================                                      

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                      MSF METLIFE ASSET ALLOCATION 60    MSF METLIFE ASSET ALLOCATION 80   
                                                SUB-ACCOUNT                        SUB-ACCOUNT             
                                    ----------------------------------  ---------------------------------- 
                                          2014             2013               2014              2013       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $   (82,508,224)  $        111,426  $   (72,919,925)  $      (147,761) 
   Net realized gains (losses)....        19,715,684         1,018,931        18,208,146           927,158 
   Change in unrealized gains                                                                              
     (losses) on investments......       325,337,909         5,244,250       313,139,176        10,180,246 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............       262,545,369         6,374,607       258,427,397        10,959,643 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        24,283,519           333,489        24,181,255           209,284 
   Net transfers (including fixed                                                                          
     account).....................     7,634,512,209           189,896     6,518,639,731       (1,014,032) 
   Contract charges...............      (48,104,618)         (368,244)      (40,179,976)         (511,319) 
   Transfers for contract benefits                                                                         
     and terminations.............     (389,900,744)       (3,563,775)     (310,434,847)       (4,103,646) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......     7,220,790,366       (3,408,634)     6,192,206,163       (5,419,713) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............     7,483,335,735         2,965,973     6,450,633,560         5,539,930 
NET ASSETS:                                                                                                
   Beginning of year..............        44,655,421        41,689,448        57,260,787        51,720,857 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $  7,527,991,156  $     44,655,421  $  6,507,894,347  $     57,260,787 
                                    ================  ================  ================  ================ 


                                     MSF METLIFE MID CAP STOCK INDEX          MSF METLIFE STOCK INDEX      
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2014              2013              2014              2013       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      (819,673)  $      (566,013)  $      (765,841)  $        126,616 
   Net realized gains (losses)....        11,559,694         6,964,753        38,987,719        23,490,755 
   Change in unrealized gains                                                                              
     (losses) on investments......       (1,212,992)        23,599,476        23,647,160       106,939,595 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         9,527,029        29,998,216        61,869,038       130,556,966 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         3,512,620         3,805,517         7,247,240         9,905,483 
   Net transfers (including fixed                                                                          
     account).....................       (1,166,141)         9,018,341        32,842,922        10,729,964 
   Contract charges...............       (1,039,460)         (966,588)       (3,860,753)       (3,364,435) 
   Transfers for contract benefits                                                                         
     and terminations.............       (8,982,254)       (4,961,109)      (48,542,701)      (33,312,519) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (7,675,235)         6,896,161      (12,313,292)      (16,041,507) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............         1,851,794        36,894,377        49,555,746       114,515,459 
NET ASSETS:                                                                                                
   Beginning of year..............       125,884,078        88,989,701       561,274,487       446,759,028 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    127,735,872  $    125,884,078  $    610,830,233  $    561,274,487 
                                    ================  ================  ================  ================ 


                                           MSF MFS TOTAL RETURN                    MSF MFS VALUE           
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    -----------------------------------  ----------------------------------
                                           2014              2013              2014              2013      
                                    -----------------  ----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $         314,570  $        297,490  $       (57,616)  $    (1,920,146)
   Net realized gains (losses)....          1,124,465           439,651        18,672,716         5,190,690
   Change in unrealized gains                                                                              
     (losses) on investments......          1,597,039         5,520,960         2,950,546        43,048,658
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............          3,036,074         6,258,101        21,565,646        46,319,202
                                    -----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........          2,026,445         2,347,250         3,231,894         3,226,292
   Net transfers (including fixed                                                                          
     account).....................            695,451         5,946,371       (9,606,231)       176,696,995
   Contract charges...............          (252,458)         (195,752)       (2,466,657)       (1,727,489)
   Transfers for contract benefits                                                                         
     and terminations.............        (5,732,469)       (3,656,176)      (17,796,650)      (12,316,297)
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......        (3,263,031)         4,441,693      (26,637,644)       165,879,501
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............          (226,957)        10,699,794       (5,071,998)       212,198,703
NET ASSETS:                                                                                                
   Beginning of year..............         46,044,412        35,344,618       260,473,964        48,275,261
                                    -----------------  ----------------  ----------------  ----------------
   End of year....................  $      45,817,455  $     46,044,412  $    255,401,966  $    260,473,964
                                    =================  ================  ================  ================


                                            MSF MSCI EAFE INDEX                                            
                                                SUB-ACCOUNT                                                
                                    ----------------------------------                                     
                                          2014              2013                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        991,218  $      1,388,628                                     
   Net realized gains (losses)....         2,887,187         1,008,944                                     
   Change in unrealized gains                                                                              
     (losses) on investments......      (11,944,228)        15,456,919                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............       (8,065,823)        17,854,491                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         2,309,427         3,337,616                                     
   Net transfers (including fixed                                                                          
     account).....................         4,727,833        14,653,612                                     
   Contract charges...............         (974,058)         (946,782)                                     
   Transfers for contract benefits                                                                         
     and terminations.............       (8,971,260)       (4,106,316)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (2,908,058)        12,938,130                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............      (10,973,881)        30,792,621                                     
NET ASSETS:                                                                                                
   Beginning of year..............       112,197,169        81,404,548                                     
                                    ----------------  ----------------                                     
   End of year....................  $    101,223,288  $    112,197,169                                     
                                    ================  ================                                     

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]


                                      MSF NEUBERGER BERMAN GENESIS            MSF RUSSELL 2000 INDEX                           
                                               SUB-ACCOUNT                          SUB-ACCOUNT                                
                                    ----------------------------------  -----------------------------------                    
                                          2014              2013              2014               2013                          
                                    ----------------  ----------------  ----------------  -----------------                    
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss)...  $    (2,176,457)  $    (1,702,008)  $      (798,862)  $       (279,727)                    
   Net realized gains (losses)....         4,329,229         2,307,614         8,367,458          2,980,519                    
   Change in unrealized gains                                                                                                  
     (losses) on investments......       (5,677,025)        36,584,374       (3,199,788)         32,072,788                    
                                    ----------------  ----------------  ----------------  -----------------                    
     Net increase (decrease)                                                                                                   
       in net assets resulting                                                                                                 
       from operations............       (3,524,253)        37,189,980         4,368,808         34,773,580                    
                                    ----------------  ----------------  ----------------  -----------------                    
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners.........         1,992,969         1,534,745         2,652,120          3,036,517                    
   Net transfers (including fixed                                                                                              
     account).....................       (5,425,832)       130,824,603         5,859,193         17,108,088                    
   Contract charges...............       (1,280,963)         (883,958)       (1,176,186)          (979,907)                    
   Transfers for contract benefits                                                                                             
     and terminations.............      (13,905,156)       (8,216,818)       (7,916,247)        (4,618,795)                    
                                    ----------------  ----------------  ----------------  -----------------                    
     Net increase (decrease) in                                                                                                
       net assets resulting from                                                                                               
       contract transactions......      (18,618,982)       123,258,572         (581,120)         14,545,903                    
                                    ----------------  ----------------  ----------------  -----------------                    
     Net increase (decrease)                                                                                                   
       in net assets..............      (22,143,235)       160,448,552         3,787,688         49,319,483                    
NET ASSETS:                                                                                                                    
   Beginning of year..............       172,247,460        11,798,908       141,070,458         91,750,975                    
                                    ----------------  ----------------  ----------------  -----------------                    
   End of year....................  $    150,104,225  $    172,247,460  $    144,858,146  $     141,070,458                    
                                    ================  ================  ================  =================                    



                                                   MSF                                  MSF                                    
                                     T. ROWE PRICE LARGE CAP GROWTH       T. ROWE PRICE SMALL CAP GROWTH                       
                                               SUB-ACCOUNT                          SUB-ACCOUNT                                
                                    ----------------------------------  ----------------------------------                     
                                          2014              2013              2014              2013                           
                                    ----------------  ----------------  ----------------  ----------------                     
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss)...  $    (2,482,158)  $    (1,361,307)  $      (153,247)  $      (118,410)                     
   Net realized gains (losses)....        14,393,834         1,274,164         1,464,690         1,190,765                     
   Change in unrealized gains                                                                                                  
     (losses) on investments......       (1,397,928)        29,734,972         (830,342)         2,047,671                     
                                    ----------------  ----------------  ----------------  ----------------                     
     Net increase (decrease)                                                                                                   
       in net assets resulting                                                                                                 
       from operations............        10,513,748        29,647,829           481,101         3,120,026                     
                                    ----------------  ----------------  ----------------  ----------------                     
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners.........         2,948,471         1,216,598           281,198           217,643                     
   Net transfers (including fixed                                                                                              
     account).....................        17,437,802       125,845,085         (504,932)            76,680                     
   Contract charges...............       (1,330,553)         (670,738)          (62,439)          (65,804)                     
   Transfers for contract benefits                                                                                             
     and terminations.............      (14,540,202)       (5,610,315)         (741,321)         (634,727)                     
                                    ----------------  ----------------  ----------------  ----------------                     
     Net increase (decrease) in                                                                                                
       net assets resulting from                                                                                               
       contract transactions......         4,515,518       120,780,630       (1,027,494)         (406,208)                     
                                    ----------------  ----------------  ----------------  ----------------                     
     Net increase (decrease)                                                                                                   
       in net assets..............        15,029,266       150,428,459         (546,393)         2,713,818                     
NET ASSETS:                                                                                                                    
   Beginning of year..............       151,930,071         1,501,612        10,522,813         7,808,995                     
                                    ----------------  ----------------  ----------------  ----------------                     
   End of year....................  $    166,959,337  $    151,930,071  $      9,976,420  $     10,522,813                     
                                    ================  ================  ================  ================                     


                                                                                 MSF                                           
                                                                            WESTERN ASSET                                      
                                                                             MANAGEMENT                                        
                                                   MSF                     STRATEGIC BOND            MSF WESTERN ASSET         
                                    VAN ECK GLOBAL NATURAL RESOURCES        OPPORTUNITIES       MANAGEMENT U.S. GOVERNMENT     
                                               SUB-ACCOUNT                   SUB-ACCOUNT                SUB-ACCOUNT            
                                    -----------------------------------  -----------------  -----------------------------------
                                          2014              2013              2014 (a)            2014               2013      
                                    ----------------  -----------------  -----------------  ----------------  -----------------
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss)...  $    (1,294,356)  $       (992,724)   $            (5)  $        697,614  $       1,546,993
   Net realized gains (losses)....         1,787,878        (2,668,683)                 --           (3,865)             12,769
   Change in unrealized gains                                                                                                  
     (losses) on investments......      (19,515,189)         13,797,608                 48         2,454,211        (8,825,000)
                                    ----------------  -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                                   
       in net assets resulting                                                                                                 
       from operations............      (19,021,667)         10,136,201                 43         3,147,960        (7,265,238)
                                    ----------------  -----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners.........           402,973            944,635             12,700         5,112,381         17,581,036
   Net transfers (including fixed                                                                                              
     account).....................         8,185,185      (11,189,728)                 --          2,857,487       (7,036,962) 
   Contract charges...............       (1,298,545)       (1,460,573)                 --        (3,072,371)       (3,057,823) 
   Transfers for contract benefits                                                                                             
     and terminations.............       (5,429,317)       (3,878,019)                 --       (23,830,183)      (21,660,910) 
                                    ----------------  -----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                                                
       net assets resulting from                                                                                               
       contract transactions......         1,860,296      (15,583,685)             12,700       (18,932,686)      (14,174,659) 
                                    ----------------  -----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                                   
       in net assets..............      (17,161,371)       (5,447,484)             12,743       (15,784,726)      (21,439,897) 
NET ASSETS:                                                                                                                    
   Beginning of year..............       106,449,499       111,896,983                 --        291,870,388       313,310,285 
                                    ----------------  -----------------  -----------------  ----------------  -----------------
   End of year....................  $     89,288,128  $    106,449,499   $         12,743   $    276,085,662  $    291,870,388 
                                    ================  =================  =================  ================  =================

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                  MSF WMC                                                 
                                         CORE EQUITY OPPORTUNITIES           NEUBERGER BERMAN GENESIS     
                                                SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ----------------------------------
                                          2014              2013              2014              2013      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $    (6,367,120)  $    (2,024,413)  $           (88)  $           (53)
   Net realized gains (losses)....        91,018,865        40,523,317             1,471               749
   Change in unrealized gains                                                                             
     (losses) on investments......      (33,491,386)       130,538,788           (1,551)             2,197
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        51,160,359       169,037,692             (168)             2,893
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         3,408,051         5,918,436                --                --
   Net transfers (including fixed                                                                         
     account).....................      (44,285,835)      (37,323,562)                --                --
   Contract charges...............       (4,874,727)       (4,862,149)                --                --
   Transfers for contract benefits                                                                        
     and terminations.............      (54,954,173)      (46,536,304)           (1,810)               (3)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......     (100,706,684)      (82,803,579)           (1,810)               (3)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............      (49,546,325)        86,234,113           (1,978)             2,890
NET ASSETS:                                                                                               
   Beginning of year..............       658,561,438       572,327,325            10,991             8,101
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    609,015,113  $    658,561,438  $          9,013  $         10,991
                                    ================  ================  ================  ================


                                                                                  OPPENHEIMER VA          
                                         OPPENHEIMER VA CORE BOND             GLOBAL STRATEGIC INCOME     
                                                SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ----------------------------------
                                          2014              2013              2014              2013      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $            347  $            335  $            133  $            164
   Net realized gains (losses)....             (267)             (126)                 5                 8
   Change in unrealized gains                                                                             
     (losses) on investments......               416             (342)              (73)             (240)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............               496             (133)                65              (68)
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........                --                --                --                --
   Net transfers (including fixed                                                                         
     account).....................                --                --                --                --
   Contract charges...............                --                --                --                --
   Transfers for contract benefits                                                                        
     and terminations.............             (796)             (279)               (1)               (2)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......             (796)             (279)               (1)               (2)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............             (300)             (412)                64              (70)
NET ASSETS:                                                                                               
   Beginning of year..............             8,646             9,058             4,492             4,562
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $          8,346  $          8,646  $          4,556  $          4,492
                                    ================  ================  ================  ================


                                              OPPENHEIMER VA                                              
                                           MAIN STREET SMALL CAP           OPPENHEIMER VA MAIN STREET     
                                                SUB-ACCOUNT                        SUB-ACCOUNT            
                                    ---------------------------------  ---------------------------------- 
                                          2014             2013              2014              2013       
                                    ----------------  ---------------  ----------------  ---------------- 
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (875,296)  $     (725,297)  $          (589)  $          (280) 
   Net realized gains (losses)....        21,968,724        6,330,488             5,285             1,403 
   Change in unrealized gains                                                                             
     (losses) on investments......       (9,177,366)       30,298,071             4,566            23,373 
                                    ----------------  ---------------  ----------------  ---------------- 
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        11,916,062       35,903,262             9,262            24,496 
                                    ----------------  ---------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         3,589,850        7,423,119                --                -- 
   Net transfers (including fixed                                                                         
     account).....................       (3,769,755)      (9,338,929)                --                -- 
   Contract charges...............       (1,193,884)      (1,036,361)                --                -- 
   Transfers for contract benefits                                                                        
     and terminations.............       (7,121,166)      (5,997,839)           (7,216)           (4,120) 
                                    ----------------  ---------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......       (8,494,955)      (8,950,010)           (7,216)           (4,120) 
                                    ----------------  ---------------  ----------------  ---------------- 
     Net increase (decrease)                                                                              
       in net assets..............         3,421,107       26,953,252             2,046            20,376 
NET ASSETS:                                                                                               
   Beginning of year..............       123,045,407       96,092,155           104,039            83,663 
                                    ----------------  ---------------  ----------------  ---------------- 
   End of year....................  $    126,466,514  $   123,045,407  $        106,085  $        104,039 
                                    ================  ===============  ================  ================ 



                                          OPPENHEIMER VA MONEY                                            
                                               SUB-ACCOUNT                                                
                                    ----------------------------------                                    
                                          2014              2013                                          
                                    ----------------  ----------------                                    
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $           (53)  $          (102)                                    
   Net realized gains (losses)....                --                --                                    
   Change in unrealized gains                                                                             
     (losses) on investments......                --                --                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............              (53)             (102)                                    
                                    ----------------  ----------------                                    
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........                --                --                                    
   Net transfers (including fixed                                                                         
     account).....................                --                --                                    
   Contract charges...............                --                --                                    
   Transfers for contract benefits                                                                        
     and terminations.............             (154)         (108,863)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......             (154)         (108,863)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets..............             (207)         (108,965)                                    
NET ASSETS:                                                                                               
   Beginning of year..............             4,000           112,965                                    
                                    ----------------  ----------------                                    
   End of year....................  $          3,793  $          4,000                                    
                                    ================  ================                                    

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                        PIMCO VIT                                                                              
                                       COMMODITY-          PIMCO VIT          PIMCO VIT                                        
                                       REALRETURN          EMERGING         UNCONSTRAINED                                      
                                        STRATEGY          MARKET BOND           BOND                PIONEER VCT MID CAP        
                                       SUB-ACCOUNT        SUB-ACCOUNT        SUB-ACCOUNT             VALUE SUB-ACCOUNT         
                                    -----------------  ----------------  -----------------  -----------------------------------
                                        2014 (a)           2014 (a)           2014 (a)            2014               2013      
                                    -----------------  ----------------  -----------------  -----------------  ----------------
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss)...  $              11  $             29  $              --  $       (535,991)  $      (422,216)
   Net realized gains (losses)....                 --                --                 --         11,686,087           856,609
   Change in unrealized gains                                                                                                  
     (losses) on investments......            (1,741)                76                (4)        (2,093,671)        16,961,029
                                    -----------------  ----------------  -----------------  -----------------  ----------------
     Net increase (decrease)                                                                                                   
        in net assets resulting                                                                                                
        from operations...........            (1,730)               105                (4)          9,056,425        17,395,422
                                    -----------------  ----------------  -----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners.........             14,900            15,098              4,763          2,291,113         5,065,892
   Net transfers (including fixed                                                                                              
     account).....................                 --                --                 --        (1,539,510)       (2,540,776)
   Contract charges...............                 --                --                 --          (602,056)         (481,800)
   Transfers for contract benefits                                                                                             
     and terminations.............                 --               (1)                 --        (6,203,018)       (3,983,623)
                                    -----------------  ----------------  -----------------  -----------------  ----------------
     Net increase (decrease) in                                                                                                
        net assets resulting from                                                                                              
        contract transactions.....             14,900            15,097              4,763        (6,053,471)       (1,940,307)
                                    -----------------  ----------------  -----------------  -----------------  ----------------
     Net increase (decrease)                                                                                                   
        in net assets.............             13,170            15,202              4,759          3,002,954        15,455,115
NET ASSETS:                                                                                                                    
   Beginning of year..............                 --                --                 --         71,900,042        56,444,927
                                    -----------------  ----------------  -----------------  -----------------  ----------------
   End of year....................  $          13,170  $         15,202  $           4,759  $      74,902,996  $     71,900,042
                                    =================  ================  =================  =================  ================



                                      PIONEER VCT REAL ESTATE SHARES          T. ROWE PRICE GROWTH STOCK                       
                                                SUB-ACCOUNT                           SUB-ACCOUNT                              
                                    ------------------------------------  -----------------------------------                  
                                           2014              2013               2014               2013                        
                                    -----------------  -----------------  ----------------  -----------------                  
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss)...  $           1,768  $           1,359  $       (68,593)  $        (60,820)                  
   Net realized gains (losses)....             47,876             18,057         1,582,180            357,589                  
   Change in unrealized gains                                                                                                  
     (losses) on investments......             16,387           (19,131)         (938,069)          2,047,793                  
                                    -----------------  -----------------  ----------------  -----------------                  
     Net increase (decrease)                                                                                                   
        in net assets resulting                                                                                                
        from operations...........             66,031                285           575,518          2,344,562                  
                                    -----------------  -----------------  ----------------  -----------------                  
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners.........                305                895           239,809            219,130                  
   Net transfers (including fixed                                                                                              
     account).....................           (41,306)             17,963         (718,459)          (113,852)                  
   Contract charges...............            (3,087)            (2,841)           (1,508)            (1,536)                  
   Transfers for contract benefits                                                                                             
     and terminations.............           (24,717)            (1,163)         (922,810)          (513,697)                  
                                    -----------------  -----------------  ----------------  -----------------                  
     Net increase (decrease) in                                                                                                
        net assets resulting from                                                                                              
        contract transactions.....           (68,805)             14,854       (1,402,968)          (409,955)                  
                                    -----------------  -----------------  ----------------  -----------------                  
     Net increase (decrease)                                                                                                   
        in net assets.............            (2,774)             15,139         (827,450)          1,934,607                  
NET ASSETS:                                                                                                                    
   Beginning of year..............            252,653            237,514         8,339,192          6,404,585                  
                                    -----------------  -----------------  ----------------  -----------------                  
   End of year....................  $         249,879  $         252,653  $      7,511,742  $       8,339,192                  
                                    =================  =================  ================  =================                  



                                     T. ROWE PRICE INTERNATIONAL STOCK      T. ROWE PRICE PRIME RESERVE                        
                                                SUB-ACCOUNT                         SUB-ACCOUNT                                
                                    ----------------------------------  ------------------------------------                   
                                          2014              2013               2014              2013                          
                                    ----------------  ----------------  -----------------  -----------------                   
                                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                                             
FROM OPERATIONS:                                                                                                               
   Net investment income (loss)...  $          1,560  $            503  $         (5,357)  $         (6,339)                   
   Net realized gains (losses)....            23,491            10,324                 --                 --                   
   Change in unrealized gains                                                                                                  
     (losses) on investments......          (35,473)            71,247                 --                 --                   
                                    ----------------  ----------------  -----------------  -----------------                   
     Net increase (decrease)                                                                                                   
        in net assets resulting                                                                                                
        from operations...........          (10,422)            82,074            (5,357)            (6,339)                   
                                    ----------------  ----------------  -----------------  -----------------                   
CONTRACT TRANSACTIONS:                                                                                                         
   Purchase payments received                                                                                                  
     from contract owners.........            33,720            21,103                 --                208                   
   Net transfers (including fixed                                                                                              
     account).....................          (46,190)           (7,638)             24,583           (93,657)                   
   Contract charges...............             (139)             (151)              (128)              (155)                   
   Transfers for contract benefits                                                                                             
     and terminations.............           (9,346)          (79,868)           (63,332)           (64,754)                   
                                    ----------------  ----------------  -----------------  -----------------                   
     Net increase (decrease) in                                                                                                
        net assets resulting from                                                                                              
        contract transactions.....          (21,955)          (66,554)           (38,877)          (158,358)                   
                                    ----------------  ----------------  -----------------  -----------------                   
     Net increase (decrease)                                                                                                   
        in net assets.............          (32,377)            15,520           (44,234)          (164,697)                   
NET ASSETS:                                                                                                                    
   Beginning of year..............           655,401           639,881            558,449            723,146                   
                                    ----------------  ----------------  -----------------  -----------------                   
   End of year....................  $        623,024  $        655,401  $         514,215  $         558,449                   
                                    ================  ================  =================  =================                   

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INSURANCE COMPANY USA    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONCLUDED)    
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013    

                                                        [Enlarge/Download Table]

                                                                                                                     VAN ECK VIP   
                                                              TAP 1919 VARIABLE SOCIALLY           UIF GLOBAL        LONG/SHORT    
                                                                  RESPONSIVE BALANCED            INFRASTRUCTURE     EQUITY INDEX   
                                                                      SUB-ACCOUNT                  SUB-ACCOUNT       SUB-ACCOUNT   
                                                         ------------------------------------  -----------------  -----------------
                                                                2014              2013              2014 (a)          2014 (a)     
                                                         -----------------  -----------------  -----------------  -----------------
                                                                                                                                   
INCREASE (DECREASE) IN NET ASSETS:                                                                                                 
FROM OPERATIONS:                                                                                                                   
   Net investment income (loss)......................... $         (1,774)  $         (2,213)  $             (4)  $            (10)
   Net realized gains (losses)..........................            44,532              8,209                 --                 --
   Change in unrealized gains                                                                                                      
     (losses) on investments............................          (24,999)             39,556                 44                 80
                                                         -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                                       
        in net assets resulting                                                                                                    
        from operations.................................            17,759             45,552                 40                 70
                                                         -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                                             
   Purchase payments received                                                                                                      
     from contract owners...............................             1,080                 --              8,425             16,699
   Net transfers (including fixed                                                                                                  
     account)...........................................          (33,535)              9,338                 --                 --
   Contract charges.....................................             (128)              (130)                 --                 --
   Transfers for contract benefits                                                                                                 
     and terminations...................................          (23,622)           (51,803)                 --                 --
                                                         -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                                                    
        net assets resulting from                                                                                                  
        contract transactions...........................          (56,205)           (42,595)              8,425             16,699
                                                         -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                                       
        in net assets...................................          (38,446)              2,957              8,465             16,769
NET ASSETS:                                                                                                                        
   Beginning of year....................................           292,286            289,329                 --                 --
                                                         -----------------  -----------------  -----------------  -----------------
   End of year.......................................... $         253,840  $         292,286  $           8,465  $          16,769
                                                         =================  =================  =================  =================

(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                
OF METLIFE INSURANCE COMPANY USA                
NOTES TO THE FINANCIAL STATEMENTS               

1.  ORGANIZATION                                                                

MetLife Investors USA Separate Account A (the "Separate Account"), a separate   
account of MetLife Insurance Company USA (the "Company"), was established by    
the Board of Directors of MetLife Investors USA Insurance Company ("MLI-USA")   
on May 29, 1980 to support operations of MLI-USA with respect to certain        
variable annuity contracts (the "Contracts"). On November 14, 2014, MLI-USA     
merged into MetLife Insurance Company of Connecticut, which subsequently        
changed its name to MetLife Insurance Company USA and its state of domicile to  
Delaware, and the Separate Account became a separate account of the Company.    
The Company is a direct wholly-owned subsidiary of MetLife, Inc., a Delaware    
corporation. The Separate Account is registered as a unit investment trust      
under the Investment Company Act of 1940, as amended, and exists in accordance  
with the regulations of the Delaware Department of Insurance.                   

The Separate Account is divided into Sub-Accounts, each of which is treated as  
an individual accounting entity for financial reporting purposes. Each          
Sub-Account invests in shares of the corresponding portfolio, series or fund    
(with the same name) of registered investment management companies (the         
"Trusts"), which are presented below:                                           

                                                        [Enlarge/Download Table]
                                                                                                         
AIM Variable Insurance Funds (Invesco Variable         Met Investors Series Trust ("MIST")*              
   Insurance Funds) ("Invesco V.I.")                   Metropolitan Series Fund ("MSF")*                 
American Funds Insurance Series ("American Funds")     MFS Variable Insurance Trust ("MFS VIT")          
BlackRock Variable Series Funds, Inc. ("BlackRock")    Neuberger Berman Equity Funds ("Neuberger Berman")
Deutsche Variable Series I ("Deutsche I")              Oppenheimer Variable Account Funds                
Federated Insurance Series ("Federated")                 ("Oppenheimer VA")                              
Fidelity Variable Insurance Products ("Fidelity VIP")  PIMCO Variable Insurance Trust ("PIMCO VIT")      
Franklin Templeton Variable Insurance Products Trust   Pioneer Variable Contracts Trust ("Pioneer VCT")  
   ("FTVIPT")                                          T. Rowe Price Growth Stock Fund, Inc.             
Ivy Funds Variable Insurance Portfolios ("Ivy          T. Rowe Price International Funds, Inc            
   Funds VIP")                                         T. Rowe Price Prime Reserve Fund, Inc.            
Janus Aspen Series ("Janus Aspen")                     The Alger Portfolios ("Alger")                    
Legg Mason Partners Variable Equity Trust              Trust For Advised Portfolios ("TAP")              
   ("LMPVET")                                          The Universal Institutional Funds, Inc. ("UIF")   
Legg Mason Partners Variable Income Trust              Van Eck VIP Trust ("Van Eck VIP")                 
   ("LMPVIT")                                                                                            

* See Note 5 for a discussion of additional information on related party        
transactions.                                                                   

The assets of each of the Sub-Accounts of the Separate Account are registered   
in the name of the Company. Under applicable insurance law, the assets and      
liabilities of the Separate Account are clearly identified and distinguished    
from the Company's other assets and liabilities. The portion of the Separate    
Account's assets applicable to the Contracts is not chargeable with liabilities 
arising out of any other business the Company may conduct.                      

2.  LIST OF SUB-ACCOUNTS                                                        

A. Purchase payments, less any applicable charges, applied to the Separate      
Account are invested in one or more Sub-Accounts in accordance with the         
selection made by the contract owner. The following Sub-Accounts had net assets 
as of December 31, 2014:                                                        

                                                        [Enlarge/Download Table]
                                                                                            
Alger Small Cap Growth Sub-Account          BlackRock Global Allocation V.I. Sub-Account (b)
American Funds Bond Sub-Account             Deutsche I International Sub-Account            
American Funds Global Growth Sub-Account    Federated High Income Bond Sub-Account          
American Funds Global Small Capitalization  Federated Kaufman Sub-Account                   
   Sub-Account (a)                          Fidelity VIP Asset Manager Sub-Account          
American Funds Growth Sub-Account           Fidelity VIP Contrafund Sub-Account (a)         
American Funds Growth-Income Sub-Account    Fidelity VIP Equity-Income Sub-Account          

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2. LIST OF SUB-ACCOUNTS -- (CONTINUED)                                          

                                                        [Enlarge/Download Table]
                                                                                                     
Fidelity VIP FundsManager 50% Sub-Account          MIST American Funds Growth Allocation             
Fidelity VIP FundsManager 60% Sub-Account             Sub-Account                                    
Fidelity VIP Growth Sub-Account                    MIST American Funds Growth Sub-Account            
Fidelity VIP Index 500 Sub-Account                 MIST American Funds Moderate Allocation           
Fidelity VIP Mid Cap Sub-Account                      Sub-Account                                    
Fidelity VIP Money Market Sub-Account (a)          MIST AQR Global Risk Balanced Sub-Account         
Fidelity VIP Overseas Sub-Account                  MIST BlackRock Global Tactical Strategies         
FTVIPT Franklin Income VIP Sub-Account                Sub-Account                                    
FTVIPT Franklin Mutual Shares VIP Sub-Account      MIST BlackRock High Yield Sub-Account (a)         
FTVIPT Franklin Small Cap Value VIP Sub-Account    MIST Clarion Global Real Estate Sub-Account       
FTVIPT Templeton Foreign VIP Sub-Account           MIST ClearBridge Aggressive Growth Sub-Account (a)
FTVIPT Templeton Global Bond VIP Sub-Account       MIST Goldman Sachs Mid Cap Value Sub-Account      
Invesco V.I. American Franchise Sub-Account        MIST Harris Oakmark International Sub-Account (a) 
Invesco V.I. Core Equity Sub-Account               MIST Invesco Balanced-Risk Allocation Sub-Account 
Invesco V.I. Equity and Income Sub-Account (a)     MIST Invesco Comstock Sub-Account                 
Invesco V.I. Growth and Income Sub-Account         MIST Invesco Mid Cap Value Sub-Account            
Invesco V.I. International Growth Sub-Account (a)  MIST Invesco Small Cap Growth Sub-Account (a)     
Ivy Funds VIP Asset Strategy Sub-Account (b)       MIST JPMorgan Core Bond Sub-Account               
LMPVET ClearBridge Variable Aggressive Growth      MIST JPMorgan Global Active Allocation            
   Sub-Account (a)                                    Sub-Account                                    
LMPVET ClearBridge Variable Appreciation           MIST JPMorgan Small Cap Value Sub-Account (a)     
   Sub-Account                                     MIST Loomis Sayles Global Markets Sub-Account     
LMPVET ClearBridge Variable Equity Income          MIST Lord Abbett Bond Debenture Sub-Account (a)   
   Sub-Account (a)                                 MIST Met/Eaton Vance Floating Rate Sub-Account    
LMPVET ClearBridge Variable Large Cap Growth       MIST Met/Franklin Low Duration Total Return       
   Sub-Account                                        Sub-Account                                    
LMPVET ClearBridge Variable Large Cap Value        MIST Met/Templeton International Bond Sub-Account 
   Sub-Account                                     MIST MetLife Asset Allocation 100 Sub-Account     
LMPVET ClearBridge Variable Small Cap Growth       MIST MetLife Balanced Plus Sub-Account            
   Sub-Account                                     MIST MetLife Multi-Index Targeted Risk            
LMPVET Permal Alternative Select VIT                  Sub-Account                                    
   Sub-Account (b)                                 MIST MetLife Small Cap Value Sub-Account (a)      
LMPVET Variable Lifestyle Allocation 50%           MIST MFS Emerging Markets Equity Sub-Account      
   Sub-Account                                     MIST MFS Research International Sub-Account (a)   
LMPVET Variable Lifestyle Allocation 70%           MIST Morgan Stanley Mid Cap Growth Sub-Account (a)
   Sub-Account                                     MIST Oppenheimer Global Equity Sub-Account        
LMPVET Variable Lifestyle Allocation 85%           MIST PanAgora Global Diversified Risk             
   Sub-Account                                        Sub-Account (b)                                
LMPVIT Western Asset Variable Global High Yield    MIST PIMCO Inflation Protected Bond Sub-Account   
   Bond Sub-Account                                MIST PIMCO Total Return Sub-Account (a)           
MFS VIT Investors Trust Sub-Account                MIST Pioneer Fund Sub-Account (a)                 
MFS VIT New Discovery Sub-Account                  MIST Pioneer Strategic Income Sub-Account (a)     
MFS VIT Research Sub-Account                       MIST Pyramis Government Income Sub-Account        
MIST AllianceBernstein Global Dynamic Allocation   MIST Pyramis Managed Risk Sub-Account             
   Sub-Account                                     MIST Schroders Global Multi-Asset Sub-Account     
MIST Allianz Global Investors Dynamic Multi-Asset  MIST SSgA Growth and Income ETF Sub-Account       
   Plus Sub-Account (b)                            MIST SSgA Growth ETF Sub-Account                  
MIST American Funds Balanced Allocation            MIST T. Rowe Price Large Cap Value Sub-Account (a)
   Sub-Account                                     MIST T. Rowe Price Mid Cap Growth Sub-Account     

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2.  LIST OF SUB-ACCOUNTS -- (CONCLUDED)                                         

                                                        [Enlarge/Download Table]
                                                                                                          
MIST WMC Large Cap Research Sub-Account (a)              MSF Van Eck Global Natural Resources Sub-Account 
MSF Baillie Gifford International Stock Sub-Account (a)  MSF Western Asset Management Strategic Bond      
MSF Barclays Aggregate Bond Index Sub-Account (a)          Opportunities Sub-Account (b)                  
MSF BlackRock Bond Income Sub-Account (a)                MSF Western Asset Management U.S. Government     
MSF BlackRock Capital Appreciation Sub-Account (a)         Sub-Account (a)                                
MSF BlackRock Large Cap Value Sub-Account (a)            MSF WMC Core Equity Opportunities Sub-Account (a)
MSF BlackRock Money Market Sub-Account (a)               Neuberger Berman Genesis Sub-Account             
MSF Frontier Mid Cap Growth Sub-Account                  Oppenheimer VA Core Bond Sub-Account             
MSF Jennison Growth Sub-Account (a)                      Oppenheimer VA Global Strategic Income           
MSF Loomis Sayles Small Cap Core Sub-Account               Sub-Account                                    
MSF Loomis Sayles Small Cap Growth Sub-Account           Oppenheimer VA Main Street Small Cap             
MSF Met/Artisan Mid Cap Value Sub-Account (a)              Sub-Account (a)                                
MSF Met/Dimensional International Small Company          Oppenheimer VA Main Street Sub-Account           
   Sub-Account                                           Oppenheimer VA Money Sub-Account                 
MSF MetLife Asset Allocation 20 Sub-Account              PIMCO VIT CommodityRealReturn Strategy           
MSF MetLife Asset Allocation 40 Sub-Account                Sub-Account (b)                                
MSF MetLife Asset Allocation 60 Sub-Account              PIMCO VIT Emerging Market Bond Sub-Account (b)   
MSF MetLife Asset Allocation 80 Sub-Account              PIMCO VIT Unconstrained Bond Sub-Account (b)     
MSF MetLife Mid Cap Stock Index Sub-Account (a)          Pioneer VCT Mid Cap Value Sub-Account            
MSF MetLife Stock Index Sub-Account (a)                  Pioneer VCT Real Estate Shares Sub-Account       
MSF MFS Total Return Sub-Account (a)                     T. Rowe Price Growth Stock Sub-Account           
MSF MFS Value Sub-Account (a)                            T. Rowe Price International Stock Sub-Account    
MSF MSCI EAFE Index Sub-Account (a)                      T. Rowe Price Prime Reserve Sub-Account          
MSF Neuberger Berman Genesis Sub-Account (a)             TAP 1919 Variable Socially Responsive Balanced   
MSF Russell 2000 Index Sub-Account (a)                     Sub-Account                                    
MSF T. Rowe Price Large Cap Growth Sub-Account (a)       UIF Global Infrastructure Sub-Account (b)        
MSF T. Rowe Price Small Cap Growth Sub-Account (a)       Van Eck VIP Long/Short Equity Index (b)          

(a) This Sub-Account invests in two or more share classes within the underlying 
portfolio, series or fund of the Trusts.                                
(b) This Sub-Account began operations during the year ended December 31,        
2014.                                                                   

B. The following Sub-Accounts had no net assets as of December 31, 2014:        

Janus Aspen Global Research Sub-Account                                         
MIST Met/Artisan International Sub-Account*                                     

* This Investment Division commenced on November 19, 2014.                      

3.  PORTFOLIO CHANGES                                                           

The following Sub-Accounts ceased operations during the year ended December 31, 
2014:                                                                           

                                                        [Enlarge/Download Table]
                                                                                                     
LMPVET ClearBridge Variable All Cap Value          MIST MetLife Moderate Strategy Sub-Account        
   Sub-Account                                     Pioneer VCT Disciplined Value Sub-Account         
Invesco V.I. American Value Sub-Account            Pioneer VCT Emerging Markets Sub-Account          
Invesco V.I. Global Real Estate Sub-Account        Pioneer VCT Equity Income Sub-Account             
MIST ClearBridge Aggressive Growth II Sub-Account  Pioneer VCT Ibbotson Growth Allocation Sub-Account
MIST MetLife Balanced Strategy Sub-Account         Pioneer VCT Ibbotson Moderate Allocation          
MIST MetLife Defensive Strategy Sub-Account          Sub-Account                                     
MIST MetLife Growth Strategy Sub-Account           UIF U.S. Real Estate Sub-Account                  

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

3. PORTFOLIO CHANGES -- (CONTINUED)                                             

The operations of the Sub-Accounts were affected by the following changes that  
occurred during the year ended December 31, 2014:                               

NAME CHANGES:                                                                   

                                                        [Enlarge/Download Table]
                                                                                                
Former Name                                        New Name                                     

Franklin Income Securities Fund                    Franklin Income VIP Fund                     
Franklin Small Cap Value Securities Fund           Franklin Small Cap Value VIP Fund            
Mutual Shares Securities Fund                      Franklin Mutual Shares VIP Fund              
Templeton Foreign Securities Fund                  Templeton Foreign VIP Fund                   
Templeton Global Bond Securities Fund              Templeton Global Bond VIP Fund               
(MIST) BlackRock Large Cap Core Portfolio          (MIST) WMC Large Cap Research Portfolio      
(MIST) MetLife Aggressive Strategy Portfolio       (MIST) MetLife Asset Allocation 100 Portfolio
(MIST) Third Avenue Small Cap Value Portfolio      (MIST) MetLife Small Cap Value Portfolio     
(MSF) Davis Venture Value Portfolio                (MSF) WMC Core Equity Opportunities Portfolio
(MSF) MetLife Conservative Allocation Portfolio    (MSF) MetLife Asset Allocation 20 Portfolio  
(MSF) MetLife Conservative to Moderate Allocation  (MSF) MetLife Asset Allocation 40 Portfolio  
   Portfolio                                                                                    
(MSF) MetLife Moderate Allocation Portfolio        (MSF) MetLife Asset Allocation 60 Portfolio  
(MSF) MetLife Moderate to Aggressive Allocation    (MSF) MetLife Asset Allocation 80 Portfolio  
   Portfolio                                                                                    

MERGERS:                                                                        

                                                        [Enlarge/Download Table]
                                                                                                 
Former Portfolio                                   New Portfolio                                 

(MIST) ClearBridge Aggressive Growth Portfolio II  (MIST) ClearBridge Aggressive Growth Portfolio
(MIST) MetLife Balanced Strategy Portfolio         (MSF) MetLife Asset Allocation 60 Portfolio   
(MIST) MetLife Defensive Strategy Portfolio        (MSF) MetLife Asset Allocation 40 Portfolio   
(MIST) MetLife Growth Strategy Portfolio           (MSF) MetLife Asset Allocation 80 Portfolio   
(MIST) MetLife Moderate Strategy Portfolio         (MSF) MetLife Asset Allocation 40 Portfolio   

REORGANIZATION:                                                                 

                                                        [Enlarge/Download Table]
                                                                                                      
Former Portfolio                                 New Portfolio                                        

(LMPVET) Legg Mason Investment Counsel Variable  (TAP) 1919 Variable Socially Responsive Balanced Fund
   Social Awareness Portfolio                                                                         

SUBSTITUTIONS:                                                                  

                                                        [Enlarge/Download Table]
                                                                                                  
Former Portfolio                                    New Portfolio                                 

ClearBridge Variable All Cap Value Portfolio        (MIST) T. Rowe Price Large Cap Value Portfolio
Invesco V.I. American Value Fund                    (MIST) Invesco Mid Cap Value Portfolio        
Invesco V.I. Global Real Estate Fund                (MIST) Clarion Global Real Estate Portfolio   
Pioneer Disciplined Value VCT Portfolio             (MSF) MFS Value Portfolio                     
Pioneer Emerging Markets VCT Portfolio              (MIST) MFS Emerging Markets Equity Portfolio  
Pioneer Equity Income VCT Portfolio                 (MIST) Invesco Comstock Portfolio             
Pioneer Ibbotson Growth Allocation VCT Portfolio    (MSF) MetLife Asset Allocation 80 Portfolio   
Pioneer Ibbotson Moderate Allocation VCT Portfolio  (MSF) MetLife Asset Allocation 60 Portfolio   
(UIF) U.S. Real Estate Portfolio                    (MIST) Clarion Global Real Estate Portfolio   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

3.  PORTFOLIO CHANGES -- (CONCLUDED)                                            

TRUST NAME CHANGE:                                                              

                                                                [Download Table]
                                                 
Former Name            New Name                  

DWS Variable Series I  Deutsche Variable Series I

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.         

SECURITY TRANSACTIONS                                                           
Security transactions are recorded on a trade date basis. Realized gains and    
losses on the sales of investments are computed on the basis of the average     
cost of the investment sold. Income from dividends and realized gain            
distributions are recorded on the ex-distribution date.                         

SECURITY VALUATION                                                              
A Sub-Account's investment in shares of a portfolio, series or fund of the      
Trusts is valued at fair value based on the closing net asset value ("NAV") or  
price per share as determined by the Trusts as of the end of the year. All      
changes in fair value are recorded as changes in unrealized gains (losses) on   
investments in the statements of operations of the applicable Sub-Accounts.     

The Separate Account defines fair value as the price that would be received to  
sell an asset or paid to transfer a liability (an exit price) in the principal  
or most advantageous market for the asset or liability in an orderly            
transaction between market participants on the measurement date. The Separate   
Account prioritizes the inputs to fair valuation techniques and allows for the  
use of unobservable inputs to the extent that observable inputs are not         
available. The Separate Account has categorized its assets based on the         
priority of the inputs to the respective valuation technique. The fair value    
hierarchy gives the highest priority to quoted prices in active markets for     
identical assets (Level 1) and the lowest priority to unobservable inputs       
(Level 3). An asset's classification within the fair value hierarchy is based   
on the lowest level of significant input to its valuation. The input levels are 
as follows:                                                                     

Level 1     Unadjusted quoted prices in active markets for identical assets     
that the Separate Account has the ability to access.    
Level 2     Observable inputs other than quoted prices in Level 1 that are      
          observable either directly or indirectly. These inputs may include
           quoted prices for the identical instrument on an inactive market or
prices for similar instruments.                         
Level 3     Unobservable inputs that are supported by little or no market       
     activity and are significant to the fair value of the assets,
     representing the Separate Account's own assumptions about the
        assumptions a market participant would use in valuing the asset,
and based on the best information available.            

Each Sub-Account invests in shares of open-end mutual funds which calculate a   
daily NAV based on the fair value of the underlying securities in their         
portfolios. As a result, and as required by law, shares of open-end mutual      
funds are purchased and redeemed at their quoted daily NAV as reported by the   
Trusts at the close of each business day. On that basis, the inputs used to     
value all shares held by the Separate Account, which are measured at fair value 
on a recurring basis, are classified as Level 2. There were no transfers        
between Level 1 and Level 2, and no activity in Level 3 during the year.        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

4.  SIGNIFICANT ACCOUNTING POLICIES -- (CONCLUDED)                              

FEDERAL INCOME TAXES                                                            
The operations of the Separate Account form a part of the total operations of   
the Company and are not taxed separately. The Company is taxed as a life        
insurance company under the provisions of the Internal Revenue Code ("IRC").    
Under the current provisions of the IRC, the Company does not expect to incur   
federal income taxes on the earnings of the Separate Account to the extent the  
earnings are credited under the Contracts. Accordingly, no charge is currently  
being made to the Separate Account for federal income taxes. The Company will   
periodically review the status of this policy in the event of changes in the    
tax law. A charge may be made in future years for any federal income taxes that 
would be attributable to the Contracts.                                         

ANNUITY PAYOUTS                                                                 
Net assets allocated to Contracts in the payout period are computed according   
to industry standard mortality tables. The assumed investment return is between 
3.0 and 6.0 percent. The mortality risk is fully borne by the Company and may   
result in additional amounts being transferred into the Separate Account by the 
Company to cover greater longevity of annuitants than expected. Conversely, if  
amounts allocated exceed amounts required, transfers may be made to the         
Company.                                                                        

PURCHASE PAYMENTS                                                               
Purchase payments received from contract owners by the Company are credited as  
accumulation units as of the end of the valuation period in which received, as  
provided in the prospectus of the Contracts, and are reported as contract       
transactions on the statements of changes in net assets of the applicable       
Sub-Accounts.                                                                   

NET TRANSFERS                                                                   
Funds transferred by the contract owner into or out of Sub-Accounts within the  
Separate Account or into or out of the fixed account, which is part 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 Sub-Accounts.             

USE OF ESTIMATES                                                                
The preparation of financial statements in accordance with GAAP requires        
management to make estimates and assumptions that affect amounts reported       
herein. Actual results could differ from these estimates.                       

5.  EXPENSES AND RELATED PARTY TRANSACTIONS                                     

The following annual Separate Account charges paid to the Company are           
asset-based charges assessed through a daily reduction in unit values, which    
are recorded as expenses in the accompanying statements of operations of the    
applicable Sub-Accounts:                                                        

    Mortality and Expense Risk -- The mortality risk assumed by the Company is
    the risk that those insured may die sooner than anticipated and therefore,
 the Company will pay an aggregate amount of death benefits greater than
  anticipated. The expense risk assumed is the risk that expenses incurred
in issuing and administering the Contracts will exceed the amounts    
  realized from the administrative charges assessed against the Contracts.
In addition, the charge compensates the Company for the risk that the 
    investor may live longer than estimated and the Company would be obligated
to pay more in income payments than anticipated.                      

    Administrative -- The Company has responsibility for the administration of
the Contracts and the Separate Account. Generally, the administrative 
charge is related to the maintenance, including distribution, of each 
contract and the Separate Account.                                    

   Optional Death Benefit Rider -- For an additional charge, the total death
 benefit payable may be increased based on increases in account value of
the Contracts.                                                        

Distribution Expense -- The risk that surrender charges will be       
insufficient to cover the actual costs of distribution which includes 
commissions, fees, registration costs, direct and indirect selling    
expenses.                                                             

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

5.  EXPENSES AND RELATED PARTY TRANSACTIONS -- (CONTINUED)                      

    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.

   Guaranteed Withdrawal Benefit for Life -- For an additional charge that
includes the Mortality and Expense Risk charge and a Guaranteed     
     Withdrawal Benefit, the Company will guarantee the periodic return on the
investment for life of a single annuitant or joint annuitants.      

  Earnings Preservation Benefit -- For an additional charge, the Company
will provide this additional death benefit.                         

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2014:             

                                                        [Enlarge/Download Table]
                                                                                                                            
----------------------------------------------------------------------------------------------------------------------------
 Mortality and Expense Risk                                                                                 0.70% - 2.05%   
----------------------------------------------------------------------------------------------------------------------------
 Administrative                                                                                             0.10% - 0.25%   
----------------------------------------------------------------------------------------------------------------------------
 Optional Death Benefit Rider                                                                               0.15% - 0.35%   
----------------------------------------------------------------------------------------------------------------------------
 Distribution Expense                                                                                       0.10%           
----------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Accumulation Benefit                                                                    1.50%           
----------------------------------------------------------------------------------------------------------------------------
 Guaranteed Withdrawal Benefit for Life                                                                     1.90% - 2.05%   
----------------------------------------------------------------------------------------------------------------------------
 Earnings Preservation Benefit                                                                              0.25%           
----------------------------------------------------------------------------------------------------------------------------

    The above referenced charges may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the 
   designation of the charge or associated with a particular contract. The
    range of effective rates disclosed above excludes any waivers granted to
certain Sub-Accounts.                                               

The following optional rider charges paid to the Company are charged at each    
contract anniversary date through the redemption of units and are recorded as   
contract charges in the accompanying statements of changes in net assets of the 
applicable Sub-Accounts:                                                        

    Guaranteed Minimum Accumulation Benefit -- For an additional charge, the
  Company will guarantee that the contract value will not be less than a
guaranteed minimum amount at the end of a specified number of years.

  Lifetime Withdrawal Guarantee -- For an additional charge, the Company
will guarantee minimum withdrawals for life regardless of market    
conditions.                                                         

  Guaranteed Withdrawal Benefit -- For an additional charge, the Company
will guarantee minimum withdrawals regardless of market conditions. 

Guaranteed Minimum Income Benefit -- For an additional charge, the  
Company will guarantee a minimum payment regardless of market       
conditions.                                                         

Enhanced Death Benefit -- For an additional charge, the Company will
  guarantee a death benefit equal to the greater of the account value or
the higher of two death benefit bases.                              

   Enhanced Guaranteed Withdrawal Benefit -- For an additional charge, the
Company will guarantee that at least the entire amount of purchase  
payments will be returned through a series of withdrawals without   
annuitizing.                                                        

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2014:             

                                                        [Enlarge/Download Table]
                                                                                                                         
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Accumulation Benefit                                                                 0.75%           
-------------------------------------------------------------------------------------------------------------------------
 Lifetime Withdrawal Guarantee                                                                           0.50% - 1.80%   
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Withdrawal Benefit                                                                           0.25% - 1.80%   
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Income Benefit                                                                       0.50% - 1.50%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Death Benefit                                                                                  0.60% - 1.50%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Guaranteed Withdrawal Benefit                                                                  0.55% - 1.00%   
-------------------------------------------------------------------------------------------------------------------------

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

5.  EXPENSES AND RELATED PARTY TRANSACTIONS -- (CONCLUDED)                      

  The above referenced charges may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the   
designation of the charge or associated with a particular contract.   

A contract maintenance fee ranging from $30 to $40 is assessed on an annual     
basis for Contracts with a value of less than $50,000. A transfer fee ranging   
from $0 to $25 may be deducted after twelve transfers are made in a contract    
year or, for certain contracts, 2% of the amount transferred from the contract  
value, if less. For certain Contracts, an administrative charge is also         
assessed which ranges from $12 to $29.50 for each Sub-Account in which the      
contract owner invests (waived if purchase payments equal or exceed $2,000 in   
the year, or if the account value is $10,000 or more at year end). For other    
Contracts, the administrative charge is $21.50 plus $2.50 for each Sub-Account  
selected, subject to the same waiver terms. In addition, the Contracts impose a 
surrender charge which ranges from 0% to 9% if the contract is partially or     
fully surrendered within the specified surrender charge period. For certain     
Contracts, a transaction charge of the lesser of $10 or 2% of the surrender is  
imposed on surrenders and a $10 charge is assessed for annuitizations. For      
those contract owners who choose optional living benefit riders or certain      
optional death benefit riders, these charges range from 0.25% to 1.80% of the   
benefit base and are charged at each contract anniversary date. These charges   
are paid to the Company and recorded as contract charges in the accompanying    
statements of changes in net assets of the applicable Sub-Accounts.             

MetLife Advisers, LLC, which acts in the capacity of investment adviser to the  
portfolios of the MIST and MSF Trusts, is an affiliate of the Company.          

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS                                                   

                                                        [Enlarge/Download Table]

                                                                                                    FOR THE YEAR ENDED      
                                                                AS OF DECEMBER 31, 2014              DECEMBER 31, 2014      
                                                            -------------------------------  -------------------------------
                                                                                                 COST OF         PROCEEDS   
                                                                SHARES          COST ($)      PURCHASES ($)   FROM SALES ($)
                                                            -------------    --------------  --------------   --------------
                                                                                                                            
Alger Small Cap Growth Sub-Account.........................     1,921,904        56,410,072      5,701,946         7,073,730
American Funds Bond Sub-Account............................    13,812,418       147,739,730     10,486,743        10,137,686
American Funds Global Growth Sub-Account...................    11,436,237       252,267,241     44,095,190        19,845,237
American Funds Global Small Capitalization Sub-Account.....     4,762,551        93,187,327      5,221,405         9,298,382
American Funds Growth Sub-Account..........................    10,285,586       551,851,214     47,817,936       103,762,294
American Funds Growth-Income Sub-Account...................     7,458,611       274,040,357     28,221,125        41,207,102
BlackRock Global Allocation V.I. Fund Sub-Account (a)......           604             9,538          9,538                --
Deutsche I International Sub-Account.......................     1,889,479        19,018,355        618,802         2,024,549
Federated High Income Bond Sub-Account.....................         3,817            26,798          1,573               500
Federated Kaufman Sub-Account..............................         2,498            34,361          4,778             1,902
Fidelity VIP Asset Manager Sub-Account.....................     4,954,972        76,274,293      5,698,674         8,655,913
Fidelity VIP Contrafund Sub-Account........................    16,968,941       418,638,148     45,355,592        76,873,656
Fidelity VIP Equity-Income Sub-Account.....................       233,882         5,304,022        304,308           827,182
Fidelity VIP FundsManager 50% Sub-Account..................   285,820,565     3,329,107,504  1,435,620,203            36,916
Fidelity VIP FundsManager 60% Sub-Account..................   333,704,051     3,288,428,521    156,845,075       249,302,372
Fidelity VIP Growth Sub-Account............................     2,641,366       100,196,604      1,523,225        17,556,858
Fidelity VIP Index 500 Sub-Account.........................       337,142        43,801,197      1,215,605         8,388,363
Fidelity VIP Mid Cap Sub-Account...........................    12,113,944       357,069,993     13,965,900        29,721,451
Fidelity VIP Money Market Sub-Account......................    50,947,658        50,947,658    309,339,300       334,547,008
Fidelity VIP Overseas Sub-Account..........................       264,318         4,825,817        252,574           704,940
FTVIPT Franklin Income VIP Sub-Account.....................    18,431,873       278,040,576     22,674,326        24,286,646
FTVIPT Franklin Mutual Shares VIP Sub-Account..............     6,774,745       117,971,223      5,489,620        15,309,497
FTVIPT Franklin Small Cap Value VIP Sub-Account............     5,667,677        93,183,451     14,010,853         6,363,239
FTVIPT Templeton Foreign VIP Sub-Account...................     4,890,887        73,303,878      4,819,621         8,282,088
FTVIPT Templeton Global Bond VIP Sub-Account...............    13,904,949       257,436,845     19,709,348        15,908,355
Invesco V.I. American Franchise Sub-Account................           275            15,220         15,331           157,895
Invesco V.I. Core Equity Sub-Account.......................         5,657           144,542          3,447            36,534
Invesco V.I. Equity and Income Sub-Account.................    36,119,351       514,710,087     60,568,209        41,787,557
Invesco V.I. Growth and Income Sub-Account.................           276             4,960        957,202       370,763,165
Invesco V.I. International Growth Sub-Account..............     8,015,089       217,329,704     10,913,396        13,852,487
Ivy Funds VIP Asset Strategy Sub-Account (a)...............         4,143            45,556         45,556                --
LMPVET ClearBridge Variable Aggressive Growth                                                                               
  Sub-Account..............................................    10,520,313       187,099,946     30,909,176        30,597,361
LMPVET ClearBridge Variable Appreciation Sub-Account.......    12,034,975       303,745,114     25,192,463        26,316,576
LMPVET ClearBridge Variable Equity Income Sub-Account......    12,835,854       146,261,173     11,411,659        18,239,523
LMPVET ClearBridge Variable Large Cap Growth                                                                                
  Sub-Account..............................................       211,491         3,709,556        828,727         1,191,668
LMPVET ClearBridge Variable Large Cap Value Sub-Account....       449,114         7,468,384      2,769,690         1,025,471
LMPVET ClearBridge Variable Small Cap Growth                                                                                
  Sub-Account..............................................     5,176,020        90,210,538     20,444,282         9,355,470
LMPVET Permal Alternative Select VIT Sub-Account (a).......        63,978           640,747        640,747                --
LMPVET Variable Lifestyle Allocation 50% Sub-Account.......     2,911,658        36,024,608      3,620,479         6,369,390
LMPVET Variable Lifestyle Allocation 70% Sub-Account.......       133,047         1,492,107        119,188           572,323
LMPVET Variable Lifestyle Allocation 85% Sub-Account.......     5,638,920        67,472,969      6,263,215         8,271,003
LMPVIT Western Asset Variable Global High Yield Bond                                                                        
  Sub-Account..............................................    13,563,578       110,885,714     11,851,027         7,344,876
MFS VIT Investors Trust Sub-Account........................           316             6,074            808            17,284
MFS VIT New Discovery Sub-Account..........................         2,488            38,286          8,458             2,074
MFS VIT Research Sub-Account...............................           913            15,925          3,900            40,221
MIST AllianceBernstein Global Dynamic Allocation                                                                            
  Sub-Account..............................................   284,923,263     2,853,449,838    144,211,615       192,016,750
MIST Allianz Global Investors Dynamic Multi-Asset Plus                                                                      
  Sub-Account (b)..........................................     1,806,520        18,919,521     19,059,019           140,871

(a)  For the period November 19, 2014 to December 31, 2014.                     
(b)  For the period April 28, 2014 to December 31, 2014.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS -- (CONTINUED)                                    

                                                        [Enlarge/Download Table]

                                                                                                  FOR THE YEAR ENDED       
                                                                AS OF DECEMBER 31, 2014            DECEMBER 31, 2014       
                                                            ------------------------------  -------------------------------
                                                                                               COST OF          PROCEEDS   
                                                                SHARES          COST ($)    PURCHASES ($)    FROM SALES ($)
                                                            -------------    -------------  -------------    --------------
                                                                                                                           
MIST American Funds Balanced Allocation Sub-Account........   317,642,622    2,862,627,588    428,527,756       265,724,402
MIST American Funds Growth Allocation Sub-Account..........   179,135,466    1,502,067,867    348,997,889       137,744,824
MIST American Funds Growth Sub-Account.....................    51,563,717      437,148,040     72,693,944        65,582,917
MIST American Funds Moderate Allocation Sub-Account........   165,322,956    1,526,751,985    188,426,230       165,368,571
MIST AQR Global Risk Balanced Sub-Account..................   275,854,987    2,961,390,036     22,309,985       387,095,609
MIST BlackRock Global Tactical Strategies Sub-Account......   495,762,076    4,872,361,034    358,579,278       356,321,429
MIST BlackRock High Yield Sub-Account......................    29,269,034      241,821,094     73,293,116        80,646,995
MIST Clarion Global Real Estate Sub-Account................    26,713,490      303,659,729    151,367,497        35,181,869
MIST ClearBridge Aggressive Growth Sub-Account.............    37,584,237      363,627,480    141,753,028       100,474,548
MIST Goldman Sachs Mid Cap Value Sub-Account...............    10,958,424      148,140,639     45,984,522        28,394,324
MIST Harris Oakmark International Sub-Account..............    42,321,442      604,092,616    145,273,246        52,479,482
MIST Invesco Balanced-Risk Allocation Sub-Account..........    78,230,688      813,069,969     65,787,197        82,634,844
MIST Invesco Comstock Sub-Account..........................    51,717,568      596,742,598    379,220,526        72,251,945
MIST Invesco Mid Cap Value Sub-Account.....................    12,907,478      210,471,123    127,362,685        21,843,428
MIST Invesco Small Cap Growth Sub-Account..................    16,288,613      226,054,520     45,284,214        42,894,922
MIST JPMorgan Core Bond Sub-Account........................    33,994,067      356,001,562     59,103,743        25,378,801
MIST JPMorgan Global Active Allocation Sub-Account.........    76,453,631      825,292,219    153,830,015        15,728,971
MIST JPMorgan Small Cap Value Sub-Account..................     1,544,917       21,221,731      5,399,018         3,090,765
MIST Loomis Sayles Global Markets Sub-Account..............    11,831,295      138,811,364     20,384,702        26,027,858
MIST Lord Abbett Bond Debenture Sub-Account................    18,177,106      223,623,014     52,921,520        68,151,387
MIST Met/Eaton Vance Floating Rate Sub-Account.............     7,217,703       75,038,729     12,627,495        19,156,208
MIST Met/Franklin Low Duration Total Return Sub-Account....    17,452,118      174,038,518     62,962,803        28,193,206
MIST Met/Templeton International Bond Sub-Account..........     4,197,860       49,071,172      4,154,159         7,572,730
MIST MetLife Asset Allocation 100 Sub-Account..............    45,892,335      475,205,970     19,734,972        66,057,349
MIST MetLife Balanced Plus Sub-Account.....................   621,235,402    6,333,490,785    962,734,371       127,104,250
MIST MetLife Multi-Index Targeted Risk Sub-Account.........    34,437,420      385,845,359    190,242,454         7,419,128
MIST MetLife Small Cap Value Sub-Account...................    14,291,208      204,549,781     21,767,957        53,257,969
MIST MFS Emerging Markets Equity Sub-Account...............    44,661,015      434,427,179     50,349,264        48,341,898
MIST MFS Research International Sub-Account................    26,576,070      288,125,691     12,008,398        26,890,087
MIST Morgan Stanley Mid Cap Growth Sub-Account.............    15,089,872      161,252,193      9,999,539        16,998,756
MIST Oppenheimer Global Equity Sub-Account.................     3,576,427       62,306,045      3,588,549         8,280,296
MIST PanAgora Global Diversified Risk Sub-Account (b)......       985,619       10,314,930     11,332,144         1,030,049
MIST PIMCO Inflation Protected Bond Sub-Account............    73,186,468      806,061,401     21,411,716       122,362,115
MIST PIMCO Total Return Sub-Account........................   150,232,412    1,780,157,239    139,220,533       380,592,554
MIST Pioneer Fund Sub-Account..............................    21,156,620      280,146,125    102,239,647        37,007,775
MIST Pioneer Strategic Income Sub-Account..................    86,380,369      918,333,787    119,499,319        80,060,627
MIST Pyramis Government Income Sub-Account.................    63,004,295      677,141,712     53,529,572       121,245,887
MIST Pyramis Managed Risk Sub-Account......................    14,268,192      152,298,385     78,015,380         2,372,387
MIST Schroders Global Multi-Asset Sub-Account..............    41,670,698      448,865,996     66,373,985        20,081,337
MIST SSgA Growth and Income ETF Sub-Account................   120,806,520    1,314,026,600    133,925,529       159,799,370
MIST SSgA Growth ETF Sub-Account...........................    40,240,961      416,051,011     60,786,330        54,487,396
MIST T. Rowe Price Large Cap Value Sub-Account.............    23,443,759      617,164,183    183,366,611        92,218,809
MIST T. Rowe Price Mid Cap Growth Sub-Account..............    44,948,684      379,805,857     61,860,124       103,647,664
MIST WMC Large Cap Research Sub-Account....................     1,200,640       11,362,206      1,492,923         3,115,416
MSF Baillie Gifford International Stock Sub-Account........    27,194,816      254,615,427      8,847,931        30,162,284
MSF Barclays Aggregate Bond Index Sub-Account..............    19,444,175      212,520,304     60,915,462        14,857,673
MSF BlackRock Bond Income Sub-Account......................       578,980       62,010,679     12,182,525         7,861,114
MSF BlackRock Capital Appreciation Sub-Account.............       356,710        9,405,836      1,763,471         3,506,733
MSF BlackRock Large Cap Value Sub-Account..................       424,837        4,396,139      1,685,861           659,285
MSF BlackRock Money Market Sub-Account.....................     3,958,866      395,886,560    141,398,632       206,855,258
MSF Frontier Mid Cap Growth Sub-Account....................     2,332,786       68,033,516     10,387,155        13,491,977
MSF Jennison Growth Sub-Account............................    32,954,752      384,110,698     32,787,334       105,227,319
MSF Loomis Sayles Small Cap Core Sub-Account...............        48,938       11,117,176      2,654,335         2,161,399

(a)  For the period November 19, 2014 to December 31, 2014.                     
(b)  For the period April 28, 2014 to December 31, 2014.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS -- (CONCLUDED)                                    

                                                        [Enlarge/Download Table]

                                                                                                  FOR THE YEAR ENDED       
                                                                AS OF DECEMBER 31, 2014            DECEMBER 31, 2014       
                                                            ------------------------------  -------------------------------
                                                                                               COST OF          PROCEEDS   
                                                                SHARES          COST ($)    PURCHASES ($)    FROM SALES ($)
                                                            -------------    -------------  -------------    --------------
                                                                                                                           
MSF Loomis Sayles Small Cap Growth Sub-Account.............        20,799          282,616        116,781            24,274
MSF Met/Artisan Mid Cap Value Sub-Account..................       922,396      196,739,162      3,708,653        48,137,456
MSF Met/Dimensional International Small Company                                                                            
  Sub-Account..............................................     3,938,671       57,102,993     13,319,702        14,072,519
MSF MetLife Asset Allocation 20 Sub-Account................     3,621,864       41,029,687     50,262,356        16,290,440
MSF MetLife Asset Allocation 40 Sub-Account................   394,893,740    4,808,965,070  5,402,394,516       614,461,783
MSF MetLife Asset Allocation 60 Sub-Account................   556,804,084    7,194,105,012  7,692,735,157       552,762,987
MSF MetLife Asset Allocation 80 Sub-Account................   437,947,133    6,182,364,748  6,605,783,735       486,497,477
MSF MetLife Mid Cap Stock Index Sub-Account................     6,800,171       95,881,249     21,987,305        24,495,794
MSF MetLife Stock Index Sub-Account........................    13,575,398      415,511,357     80,457,500        79,238,240
MSF MFS Total Return Sub-Account...........................       267,160       38,061,728      4,582,770         7,531,296
MSF MFS Value Sub-Account..................................    13,986,421      204,346,509     25,944,977        40,527,640
MSF MSCI EAFE Index Sub-Account............................     8,153,122       95,811,245     17,855,093        19,771,908
MSF Neuberger Berman Genesis Sub-Account...................     8,440,200      120,024,328      2,939,870        23,735,312
MSF Russell 2000 Index Sub-Account.........................     7,354,493      104,413,455     21,358,909        19,618,337
MSF T. Rowe Price Large Cap Growth Sub-Account.............     6,810,459      138,371,173     38,727,784        25,710,827
MSF T. Rowe Price Small Cap Growth Sub-Account.............       436,375        6,731,390      2,103,464         2,494,342
MSF Van Eck Global Natural Resources Sub-Account...........     7,936,727      113,761,568     18,816,498        16,545,440
MSF Western Asset Management Strategic Bond Opportunities                                                                  
  Sub-Account (a)..........................................           954           12,700         12,700                --
MSF Western Asset Management U.S. Government                                                                               
  Sub-Account..............................................    22,906,799      275,434,548     20,239,634        38,474,699
MSF WMC Core Equity Opportunities Sub-Account..............    14,199,539      404,866,838     65,934,004       118,622,278
Neuberger Berman Genesis Sub-Account.......................           152            5,888            693             1,903
Oppenheimer VA Core Bond Sub-Account.......................         1,049           10,685            470               921
Oppenheimer VA Global Strategic Income Sub-Account.........           860            4,249            195                62
Oppenheimer VA Main Street Small Cap Sub-Account...........     4,815,871       79,577,709     20,039,216        12,314,071
Oppenheimer VA Main Street Sub-Account.....................         3,157           65,832          2,999             8,677
Oppenheimer VA Money Sub-Account...........................         3,803            3,803             --               205
PIMCO VIT CommodityRealReturn Strategy Sub-Account (a).....         2,712           14,924         14,924                --
PIMCO VIT Emerging Market Bond Sub-Account (a).............         1,199           15,134         15,134                --
PIMCO VIT Unconstrained Bond Sub-Account (a)...............           456            4,764          4,764                --
Pioneer VCT Mid Cap Value Sub-Account......................     3,315,761       59,362,049     11,877,109         8,706,537
Pioneer VCT Real Estate Shares Sub-Account.................        11,573          175,291         36,347            77,549
T. Rowe Price Growth Stock Sub-Account.....................       144,596        4,793,545      1,302,510         2,093,703
T. Rowe Price International Stock Sub-Account..............        39,912          558,383         51,928            58,806
T. Rowe Price Prime Reserve Sub-Account....................       514,215          514,215        495,379           539,614
TAP 1919 Variable Socially Responsive Balanced Sub-Account.         8,531          218,941         45,433            74,591
UIF Global Infrastructure Sub-Account (a)..................           914            8,425          8,425                --
Van Eck VIP Long/Short Equity Index Sub-Account (a)........           659           16,699         16,699                --

(a)  For the period November 19, 2014 to December 31, 2014.                     
(b)  For the period April 28, 2014 to December 31, 2014.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS                                                          
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013:                         

                                                        [Enlarge/Download Table]


                                       ALGER SMALL CAP GROWTH             AMERICAN FUNDS BOND         AMERICAN FUNDS GLOBAL GROWTH  
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT          
                                   -------------------------------  -------------------------------  -------------------------------
                                        2014             2013            2014             2013             2014            2013     
                                   --------------  ---------------  ---------------  --------------  ---------------  --------------

                                                                                                                                    
Units beginning of year..........       4,387,118        4,795,545        8,361,945       7,687,811        8,333,553       8,485,913
Units issued and transferred                                                                                                        
   from other funding options....         162,051          231,164        1,138,757       2,005,667          958,883       1,261,036
Units redeemed and transferred to                                                                                                   
   other funding options.........       (578,312)        (639,591)      (1,166,873)     (1,331,533)      (1,098,505)     (1,413,396)
                                   --------------  ---------------  ---------------  --------------  ---------------  --------------
Units end of year................       3,970,857        4,387,118        8,333,829       8,361,945        8,193,931       8,333,553
                                   ==============  ===============  ===============  ==============  ===============  ==============


                                           AMERICAN FUNDS                                                                           
                                     GLOBAL SMALL CAPITALIZATION          AMERICAN FUNDS GROWTH                                     
                                             SUB-ACCOUNT                       SUB-ACCOUNT                                          
                                   -------------------------------  --------------------------------                                
                                         2014            2013             2014            2013                                      
                                   ---------------  --------------  ---------------  ---------------                                

                                                                                                                                    
Units beginning of year..........        3,375,743       3,385,796        3,937,244        4,113,319                                
Units issued and transferred                                                                                                        
   from other funding options....          375,100         652,214          132,323          453,387                                
Units redeemed and transferred to                                                                                                   
   other funding options.........        (453,829)       (662,267)        (541,863)        (629,462)                                
                                   ---------------  --------------  ---------------  ---------------                                
Units end of year................        3,297,014       3,375,743        3,527,704        3,937,244                                
                                   ===============  ==============  ===============  ===============                                



                                    AMERICAN FUNDS GROWTH-INCOME                                                                    
                                             SUB-ACCOUNT                                                                            
                                   -------------------------------                                                                  
                                        2014             2013                                                                       
                                   --------------  ---------------                                                                  

                                                                                                                                    
Units beginning of year..........       2,581,885        2,745,842                                                                  
Units issued and transferred                                                                                                        
   from other funding options....         209,589          297,744                                                                  
Units redeemed and transferred to                                                                                                   
   other funding options.........       (412,906)        (461,701)                                                                  
                                   --------------  ---------------                                                                  
Units end of year................       2,378,568        2,581,885                                                                  
                                   ==============  ===============                                                                  

                                                        [Enlarge/Download Table]

                                       BLACKROCK                                                                        
                                        GLOBAL                                                                          
                                    ALLOCATION V.I.                                                                     
                                         FUND           DEUTSCHE I INTERNATIONAL          FEDERATED HIGH INCOME BOND    
                                      SUB-ACCOUNT              SUB-ACCOUNT                        SUB-ACCOUNT           
                                   ----------------  --------------------------------  ---------------------------------
                                       2014 (A)           2014              2013             2014             2013      
                                   ----------------  ---------------  ---------------  ---------------  ----------------

                                                                                                                        
Units beginning of year..........                --        1,888,612        2,040,232            2,545             2,556
Units issued and transferred                                                                                            
   from other funding options....               402          102,848          147,844               --                --
Units redeemed and transferred to                                                                                       
   other funding options.........                --        (258,501)        (299,464)             (11)              (11)
                                   ----------------  ---------------  ---------------  ---------------  ----------------
Units end of year................               402        1,732,959        1,888,612            2,534             2,545
                                   ================  ===============  ===============  ===============  ================



                                          FEDERATED KAUFMAN             FIDELITY VIP ASSET MANAGER                      
                                             SUB-ACCOUNT                        SUB-ACCOUNT                             
                                   --------------------------------  --------------------------------                   
                                        2014             2013              2014             2013                        
                                   ---------------  ---------------  ---------------  ---------------                   

                                                                                                                        
Units beginning of year..........            5,836            6,002        5,885,530        6,517,939                   
Units issued and transferred                                                                                            
   from other funding options....               --               --          170,327          203,227                   
Units redeemed and transferred to                                                                                       
   other funding options.........            (160)            (166)        (629,497)        (835,636)                   
                                   ---------------  ---------------  ---------------  ---------------                   
Units end of year................            5,676            5,836        5,426,360        5,885,530                   
                                   ===============  ===============  ===============  ===============                   



                                        FIDELITY VIP CONTRAFUND                                                         
                                              SUB-ACCOUNT                                                               
                                   ---------------------------------                                                    
                                         2014             2013                                                          
                                   ----------------  ---------------                                                    

                                                                                                                        
Units beginning of year..........        17,717,451       15,604,750                                                    
Units issued and transferred                                                                                            
   from other funding options....         5,468,074        4,408,947                                                    
Units redeemed and transferred to                                                                                       
   other funding options.........       (2,802,892)      (2,296,246)                                                    
                                   ----------------  ---------------                                                    
Units end of year................        20,382,633       17,717,451                                                    
                                   ================  ===============                                                    

                                                        [Enlarge/Download Table]

                                     FIDELITY VIP EQUITY-INCOME        FIDELITY VIP FUNDSMANAGER 50% 
                                             SUB-ACCOUNT                        SUB-ACCOUNT          
                                   --------------------------------  --------------------------------
                                        2014              2013             2014             2013     
                                   ---------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year..........          341,560          400,352      158,954,030       39,080,828
Units issued and transferred                                                                         
   from other funding options....            3,835            5,137      117,006,306      123,377,437
Units redeemed and transferred to                                                                    
   other funding options.........         (41,684)         (63,929)      (7,533,924)      (3,504,235)
                                   ---------------  ---------------  ---------------  ---------------
Units end of year................          303,711          341,560      268,426,412      158,954,030
                                   ===============  ===============  ===============  ===============


                                     FIDELITY VIP FUNDSMANAGER 60%          FIDELITY VIP GROWTH      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                   --------------------------------  --------------------------------
                                         2014             2013             2014             2013     
                                   ---------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year..........      333,151,686      345,636,001        8,194,380        9,085,626
Units issued and transferred                                                                         
   from other funding options....          415,030          492,775          316,464          341,709
Units redeemed and transferred to                                                                    
   other funding options.........     (14,141,697)     (12,977,090)        (971,968)      (1,232,955)
                                   ---------------  ---------------  ---------------  ---------------
Units end of year................      319,425,019      333,151,686        7,538,876        8,194,380
                                   ===============  ===============  ===============  ===============


                                        FIDELITY VIP INDEX 500             FIDELITY VIP MID CAP      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                   --------------------------------  --------------------------------
                                         2014             2013             2014             2013     
                                   ---------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year..........        3,091,556        3,530,426        7,792,671        7,598,912
Units issued and transferred                                                                         
   from other funding options....           17,659           21,793          669,936        1,446,862
Units redeemed and transferred to                                                                    
   other funding options.........        (330,761)        (460,663)      (1,016,983)      (1,253,103)
                                   ---------------  ---------------  ---------------  ---------------
Units end of year................        2,778,454        3,091,556        7,445,624        7,792,671
                                   ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]


                                       FIDELITY VIP MONEY MARKET          FIDELITY VIP OVERSEAS     
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                   --------------------------------  -------------------------------
                                         2014             2013            2014             2013     
                                   ---------------  ---------------  ---------------  --------------

                                                                                                    
Units beginning of year..........        8,307,410        8,041,430          447,143         509,517
Units issued and transferred                                                                        
   from other funding options....      142,794,372      139,410,710           21,166          12,503
Units redeemed and transferred to                                                                   
   other funding options.........    (145,207,494)    (139,144,730)         (57,034)        (74,877)
                                   ---------------  ---------------  ---------------  --------------
Units end of year................        5,894,288        8,307,410          411,275         447,143
                                   ===============  ===============  ===============  ==============


                                                                            FTVIPT FRANKLIN         
                                     FTVIPT FRANKLIN INCOME VIP            MUTUAL SHARES VIP        
                                             SUB-ACCOUNT                      SUB-ACCOUNT           
                                   -------------------------------  --------------------------------
                                        2014             2013            2014             2013      
                                   --------------  ---------------  ---------------  ---------------

                                                                                                    
Units beginning of year..........       4,919,666        4,708,870        5,477,366        5,768,385
Units issued and transferred                                                                        
   from other funding options....         486,023          860,767          353,975          550,522
Units redeemed and transferred to                                                                   
   other funding options.........       (688,503)        (649,971)        (750,654)        (841,541)
                                   --------------  ---------------  ---------------  ---------------
Units end of year................       4,717,186        4,919,666        5,080,687        5,477,366
                                   ==============  ===============  ===============  ===============


                                           FTVIPT FRANKLIN                                          
                                         SMALL CAP VALUE VIP         FTVIPT TEMPLETON FOREIGN VIP   
                                             SUB-ACCOUNT                      SUB-ACCOUNT           
                                   -------------------------------  --------------------------------
                                        2014             2013             2014            2013      
                                   --------------  ---------------  ---------------  ---------------

                                                                                                    
Units beginning of year..........       9,184,423        8,321,925        2,457,017        2,730,167
Units issued and transferred                                                                        
   from other funding options....       1,139,686        2,576,537          274,424          184,075
Units redeemed and transferred to                                                                   
   other funding options.........     (1,179,055)      (1,714,039)        (376,658)        (457,225)
                                   --------------  ---------------  ---------------  ---------------
Units end of year................       9,145,054        9,184,423        2,354,783        2,457,017
                                   ==============  ===============  ===============  ===============


(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013:                         

                                                        [Enlarge/Download Table]

                                           FTVIPT TEMPLETON                                             
                                            GLOBAL BOND VIP            INVESCO V.I. AMERICAN FRANCHISE  
                                              SUB-ACCOUNT                        SUB-ACCOUNT            
                                   ---------------------------------  --------------------------------- 
                                         2014             2013              2014              2013      
                                   ----------------  ---------------  ----------------  --------------- 

                                                                                                        
Units beginning of year..........        12,950,902       11,067,808            22,147           28,015 
Units issued and transferred                                                                            
   from other funding options....         1,551,847        3,547,855             2,240                5 
Units redeemed and transferred to                                                                       
   other funding options.........       (1,835,132)      (1,664,761)          (22,476)          (5,873) 
                                   ----------------  ---------------  ----------------  --------------- 
Units end of year................        12,667,617       12,950,902             1,911           22,147 
                                   ================  ===============  ================  =============== 



                                       INVESCO V.I. CORE EQUITY        INVESCO V.I. EQUITY AND INCOME   
                                              SUB-ACCOUNT                        SUB-ACCOUNT            
                                   ---------------------------------  --------------------------------- 
                                        2014              2013             2014              2013       
                                   ---------------  ----------------  ---------------  ---------------- 

                                                                                                        
Units beginning of year..........           39,835            49,005       31,328,255        29,563,858 
Units issued and transferred                                                                            
   from other funding options....               17                 1        3,381,596         5,739,587 
Units redeemed and transferred to                                                                       
   other funding options.........          (5,149)           (9,171)      (4,086,964)       (3,975,190) 
                                   ---------------  ----------------  ---------------  ---------------- 
Units end of year................           34,703            39,835       30,622,887        31,328,255 
                                   ===============  ================  ===============  ================ 



                                    INVESCO V.I. GROWTH AND INCOME    INVESCO V.I. INTERNATIONAL GROWTH 
                                              SUB-ACCOUNT                        SUB-ACCOUNT            
                                   ---------------------------------  ----------------------------------
                                        2014              2013              2014             2013       
                                   ---------------  ----------------  ---------------  ---------------- 

                                                                                                        
Units beginning of year..........       13,799,854        13,407,203        8,901,354         8,127,475 
Units issued and transferred                                                                            
   from other funding options....          379,286         2,432,918          898,858         1,760,912 
Units redeemed and transferred to                                                                       
   other funding options.........     (14,178,475)       (2,040,267)        (979,701)         (987,033) 
                                   ---------------  ----------------  ---------------  ---------------- 
Units end of year................              665        13,799,854        8,820,511         8,901,354 
                                   ===============  ================  ===============  ================ 

                                                        [Enlarge/Download Table]

                                    IVY FUNDS VIP         LMPVET CLEARBRIDGE               LMPVET CLEARBRIDGE       
                                   ASSET STRATEGY     VARIABLE AGGRESSIVE GROWTH          VARIABLE APPRECIATION     
                                     SUB-ACCOUNT              SUB-ACCOUNT                      SUB-ACCOUNT          
                                   ---------------  -------------------------------  -------------------------------
                                      2014 (A)           2014             2013            2014             2013     
                                   ---------------  --------------  ---------------  ---------------  --------------

                                                                                                                    
Units beginning of year..........               --      11,979,001       11,687,754        8,604,407       7,908,912
Units issued and transferred                                                                                        
   from other funding options....            2,575       1,920,641        2,702,461          851,450       1,753,644
Units redeemed and transferred to                                                                                   
   other funding options.........               --     (2,565,916)      (2,411,214)      (1,187,136)     (1,058,149)
                                   ---------------  --------------  ---------------  ---------------  --------------
Units end of year................            2,575      11,333,726       11,979,001        8,268,721       8,604,407
                                   ===============  ==============  ===============  ===============  ==============


                                         LMPVET CLEARBRIDGE            LMPVET CLEARBRIDGE VARIABLE                  
                                       VARIABLE EQUITY INCOME               LARGE CAP GROWTH                        
                                             SUB-ACCOUNT                       SUB-ACCOUNT                          
                                   --------------------------------  -------------------------------                
                                         2014            2013             2014             2013                     
                                   ---------------  ---------------  --------------  ---------------                

                                                                                                                    
Units beginning of year..........       10,244,154        9,055,914         242,954          283,429                
Units issued and transferred                                                                                        
   from other funding options....        1,214,502        2,599,732          14,647           16,933                
Units redeemed and transferred to                                                                                   
   other funding options.........      (1,662,434)      (1,411,492)        (57,222)         (57,408)                
                                   ---------------  ---------------  --------------  ---------------                
Units end of year................        9,796,222       10,244,154         200,379          242,954                
                                   ===============  ===============  ==============  ===============                


                                     LMPVET CLEARBRIDGE VARIABLE                                                    
                                           LARGE CAP VALUE                                                          
                                             SUB-ACCOUNT                                                            
                                   -------------------------------                                                  
                                        2014             2013                                                       
                                   --------------  ---------------                                                  

                                                                                                                    
Units beginning of year..........         319,601          286,427                                                  
Units issued and transferred                                                                                        
   from other funding options....         102,351           91,925                                                  
Units redeemed and transferred to                                                                                   
   other funding options.........        (52,727)         (58,751)                                                  
                                   --------------  ---------------                                                  
Units end of year................         369,225          319,601                                                  
                                   ==============  ===============                                                  

                                                        [Enlarge/Download Table]

                                                                         LMPVET                                      
                                                                         PERMAL                                      
                                     LMPVET CLEARBRIDGE VARIABLE       ALTERNATIVE            LMPVET VARIABLE        
                                          SMALL CAP GROWTH             SELECT VIT        LIFESTYLE ALLOCATION 50%    
                                             SUB-ACCOUNT               SUB-ACCOUNT              SUB-ACCOUNT          
                                   -------------------------------  ---------------  --------------------------------
                                        2014             2013           2014 (A)           2014            2013      
                                   --------------  ---------------  ---------------  ---------------  ---------------

                                                                                                                     
Units beginning of year..........       4,102,827        3,457,289               --        2,011,433        1,699,443
Units issued and transferred                                                                                         
   from other funding options....         797,486        1,487,008           64,025          227,347          532,901
Units redeemed and transferred to                                                                                    
   other funding options.........       (794,707)        (841,470)               --        (372,481)        (220,911)
                                   --------------  ---------------  ---------------  ---------------  ---------------
Units end of year................       4,105,606        4,102,827           64,025        1,866,299        2,011,433
                                   ==============  ===============  ===============  ===============  ===============



                                           LMPVET VARIABLE              LMPVET VARIABLE LIFESTYLE                    
                                      LIFESTYLE ALLOCATION 70%               ALLOCATION 85%                          
                                             SUB-ACCOUNT                       SUB-ACCOUNT                           
                                   -------------------------------  --------------------------------                 
                                        2014             2013             2014             2013                      
                                   ---------------  --------------  ---------------  ---------------                 

                                                                                                                     
Units beginning of year..........          121,395         162,342        4,790,185        5,015,187                 
Units issued and transferred                                                                                         
   from other funding options....            5,821          12,965          247,187          343,106                 
Units redeemed and transferred to                                                                                    
   other funding options.........         (28,799)        (53,912)        (508,043)        (568,108)                 
                                   ---------------  --------------  ---------------  ---------------                 
Units end of year................           98,417         121,395        4,529,329        4,790,185                 
                                   ===============  ==============  ===============  ===============                 



                                     LMPVIT WESTERN ASSET VARIABLE                                                   
                                        GLOBAL HIGH YIELD BOND                                                       
                                              SUB-ACCOUNT                                                            
                                   --------------------------------                                                  
                                         2014             2013                                                       
                                   ---------------  ---------------                                                  

                                                                                                                     
Units beginning of year..........        4,386,878        4,039,328                                                  
Units issued and transferred                                                                                         
   from other funding options....          599,910        1,173,324                                                  
Units redeemed and transferred to                                                                                    
   other funding options.........        (666,641)        (825,774)                                                  
                                   ---------------  ---------------                                                  
Units end of year................        4,320,147        4,386,878                                                  
                                   ===============  ===============                                                  


(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013:                         

                                                        [Enlarge/Download Table]


                                       MFS VIT INVESTORS TRUST            MFS VIT NEW DISCOVERY                        
                                             SUB-ACCOUNT                       SUB-ACCOUNT                             
                                   --------------------------------  --------------------------------                  
                                        2014             2013             2014             2013                        
                                   ---------------  ---------------  ---------------  ---------------                  

                                                                                                                       
Units beginning of year..........            3,517            3,616            3,294            4,161                  
Units issued and transferred                                                                                           
   from other funding options....               --               --               --               --                  
Units redeemed and transferred to                                                                                      
   other funding options.........          (2,326)             (99)            (116)            (867)                  
                                   ---------------  ---------------  ---------------  ---------------                  
Units end of year................            1,191            3,517            3,178            3,294                  
                                   ===============  ===============  ===============  ===============                  


                                                                                                         MIST ALLIANZ  
                                                                                                       GLOBAL INVESTORS
                                                                      MIST ALLIANCEBERNSTEIN GLOBAL         DYNAMIC    
                                          MFS VIT RESEARCH                 DYNAMIC ALLOCATION          MULTI-ASSET PLUS
                                             SUB-ACCOUNT                       SUB-ACCOUNT                SUB-ACCOUNT  
                                   --------------------------------  --------------------------------  ----------------
                                        2014             2013             2014             2013            2014 (B)    
                                   ---------------  ---------------  ---------------  ---------------   ---------------

                                                                                                                       
Units beginning of year..........            8,132            8,335      286,256,086      267,334,005                --
Units issued and transferred                                                                                           
   from other funding options....               --               92       14,726,914       49,782,034        19,099,470
Units redeemed and transferred to                                                                                      
   other funding options.........          (5,017)            (295)     (25,638,063)     (30,859,953)         (879,946)
                                   ---------------  ---------------  ---------------  ---------------   ---------------
Units end of year................            3,115            8,132      275,344,937      286,256,086        18,219,524
                                   ===============  ===============  ===============  ===============   ===============



                                         MIST AMERICAN FUNDS                                                           
                                         BALANCED ALLOCATION                                                           
                                             SUB-ACCOUNT                                                               
                                   --------------------------------                                                    
                                        2014             2013                                                          
                                   ---------------  ---------------                                                    

                                                                                                                       
Units beginning of year..........      276,830,535      292,605,761                                                    
Units issued and transferred                                                                                           
   from other funding options....       16,871,646       18,431,005                                                    
Units redeemed and transferred to                                                                                      
   other funding options.........     (29,558,236)     (34,206,231)                                                    
                                   ---------------  ---------------                                                    
Units end of year................      264,143,945      276,830,535                                                    
                                   ===============  ===============                                                    

                                                        [Enlarge/Download Table]

                                         MIST AMERICAN FUNDS                                        
                                          GROWTH ALLOCATION            MIST AMERICAN FUNDS GROWTH   
                                             SUB-ACCOUNT                       SUB-ACCOUNT          
                                   -------------------------------  --------------------------------
                                        2014             2013             2014            2013      
                                   ---------------  --------------  ---------------  ---------------

                                                                                                    
Units beginning of year..........      147,794,512     149,020,463       59,593,818       54,812,434
Units issued and transferred                                                                        
   from other funding options....       15,093,995      20,136,813       25,206,532       19,877,224
Units redeemed and transferred to                                                                   
   other funding options.........     (19,947,947)    (21,362,764)     (12,939,646)     (15,095,840)
                                   ---------------  --------------  ---------------  ---------------
Units end of year................      142,940,560     147,794,512       71,860,704       59,593,818
                                   ===============  ==============  ===============  ===============


                                         MIST AMERICAN FUNDS             MIST AQR GLOBAL RISK       
                                         MODERATE ALLOCATION                   BALANCED             
                                             SUB-ACCOUNT                      SUB-ACCOUNT           
                                   -------------------------------  ------------------------------- 
                                        2014             2013            2014             2013      
                                   --------------  ---------------  ---------------  -------------- 

                                                                                                    
Units beginning of year..........     147,773,215      159,499,085      295,108,196     324,843,850 
Units issued and transferred                                                                        
   from other funding options....       5,811,912        6,661,377       14,864,956      59,582,950 
Units redeemed and transferred to                                                                   
   other funding options.........    (16,274,521)     (18,387,247)     (44,065,069)    (89,318,604) 
                                   --------------  ---------------  ---------------  -------------- 
Units end of year................     137,310,606      147,773,215      265,908,083     295,108,196 
                                   ==============  ===============  ===============  ============== 


                                        MIST BLACKROCK GLOBAL                                       
                                         TACTICAL STRATEGIES            MIST BLACKROCK HIGH YIELD   
                                             SUB-ACCOUNT                       SUB-ACCOUNT          
                                   --------------------------------  -------------------------------
                                         2014            2013             2014             2013     
                                   ---------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year..........      487,574,727      471,913,542      10,783,682       11,949,833
Units issued and transferred                                                                        
   from other funding options....       21,197,067       76,646,145       3,291,085        4,448,298
Units redeemed and transferred to                                                                   
   other funding options.........     (44,809,238)     (60,984,960)     (4,477,857)      (5,614,449)
                                   ---------------  ---------------  --------------  ---------------
Units end of year................      463,962,556      487,574,727       9,596,910       10,783,682
                                   ===============  ===============  ==============  ===============

                                                        [Enlarge/Download Table]

                                                                             MIST CLEARBRIDGE        
                                    MIST CLARION GLOBAL REAL ESTATE          AGGRESSIVE GROWTH       
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                   ---------------------------------  -------------------------------
                                         2014            2013              2014             2013     
                                   ---------------  ---------------   ---------------  --------------

                                                                                                     
Units beginning of year..........       11,099,591       10,967,900        36,299,683      33,802,849
Units issued and transferred                                                                         
   from other funding options....        9,572,619        3,149,547        15,149,360      12,353,599
Units redeemed and transferred to                                                                    
   other funding options.........      (3,426,313)      (3,017,856)      (12,976,785)     (9,856,765)
                                   ---------------  ---------------   ---------------  --------------
Units end of year................       17,245,897       11,099,591        38,472,258      36,299,683
                                   ===============  ===============   ===============  ==============


                                          MIST GOLDMAN SACHS               MIST HARRIS OAKMARK       
                                             MID CAP VALUE                    INTERNATIONAL          
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                   --------------------------------  ------------------------------- 
                                         2014             2013            2014             2013      
                                   ---------------  ---------------  ---------------  -------------- 

                                                                                                     
Units beginning of year..........        7,939,384        8,486,283       25,769,452      25,722,293 
Units issued and transferred                                                                         
   from other funding options....        1,518,268        2,123,717        5,859,747       6,769,558 
Units redeemed and transferred to                                                                    
   other funding options.........      (1,980,053)      (2,670,616)      (5,078,007)     (6,722,399) 
                                   ---------------  ---------------  ---------------  -------------- 
Units end of year................        7,477,599        7,939,384       26,551,192      25,769,452 
                                   ===============  ===============  ===============  ============== 


                                             MIST INVESCO                                            
                                       BALANCED-RISK ALLOCATION           MIST INVESCO COMSTOCK      
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                   --------------------------------  ------------------------------- 
                                         2014             2013            2014             2013      
                                   ---------------  ---------------  ---------------  -------------- 

                                                                                                     
Units beginning of year..........      800,860,953      631,214,101       26,889,264      26,662,653 
Units issued and transferred                                                                         
   from other funding options....      107,191,182      443,294,590       23,440,874       6,360,415 
Units redeemed and transferred to                                                                    
   other funding options.........    (149,157,421)    (273,647,738)      (7,154,465)     (6,133,804) 
                                   ---------------  ---------------  ---------------  -------------- 
Units end of year................      758,894,714      800,860,953       43,175,673      26,889,264 
                                   ===============  ===============  ===============  ============== 

                                                        [Enlarge/Download Table]


                                     MIST INVESCO MID CAP VALUE      MIST INVESCO SMALL CAP GROWTH       MIST JPMORGAN CORE BOND   
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT         
                                   -------------------------------  -------------------------------  ------------------------------
                                        2014             2013            2014             2013            2014            2013     
                                   --------------  ---------------  --------------  ---------------  --------------  --------------

                                                                                                                                   
Units beginning of year..........       4,619,902        5,175,603      13,003,134       13,528,657      29,439,490      31,242,391
Units issued and transferred                                                                                                       
   from other funding options....       3,350,673          726,776       1,937,345        3,270,520       8,988,746      69,538,044
Units redeemed and transferred to                                                                                                  
   other funding options.........     (1,042,705)      (1,282,477)     (3,116,204)      (3,796,043)     (6,023,904)    (71,340,945)
                                   --------------  ---------------  --------------  ---------------  --------------  --------------
Units end of year................       6,927,870        4,619,902      11,824,275       13,003,134      32,404,332      29,439,490
                                   ==============  ===============  ==============  ===============  ==============  ==============


                                        MIST JPMORGAN GLOBAL                                              MIST LOOMIS SAYLES       
                                          ACTIVE ALLOCATION         MIST JPMORGAN SMALL CAP VALUE           GLOBAL MARKETS         
                                             SUB-ACCOUNT                     SUB-ACCOUNT                      SUB-ACCOUNT          
                                   ------------------------------  -------------------------------  -------------------------------
                                        2014            2013            2014             2013            2014             2013     
                                   --------------  --------------  ---------------  --------------  ---------------  --------------

                                                                                                                                   
Units beginning of year..........     649,853,969     269,034,003        1,455,583       1,643,159       10,842,823      12,318,466
Units issued and transferred                                                                                                       
   from other funding options....     170,099,962     441,036,411          187,504         124,281        1,881,971       1,930,340
Units redeemed and transferred to                                                                                                  
   other funding options.........    (72,687,747)    (60,216,445)        (225,143)       (311,857)      (2,280,062)     (3,405,983)
                                   --------------  --------------  ---------------  --------------  ---------------  --------------
Units end of year................     747,266,184     649,853,969        1,417,944       1,455,583       10,444,732      10,842,823
                                   ==============  ==============  ===============  ==============  ===============  ==============


(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013:                         

                                                        [Enlarge/Download Table]

                                          MIST LORD ABBETT                MIST MET/EATON VANCE       
                                           BOND DEBENTURE                     FLOATING RATE          
                                             SUB-ACCOUNT                       SUB-ACCOUNT           
                                   -------------------------------  -------------------------------- 
                                        2014             2013             2014             2013      
                                   --------------  ---------------  ---------------  --------------- 

                                                                                                     
Units beginning of year..........       9,341,018       10,178,078        7,519,969        5,007,151 
Units issued and transferred                                                                         
   from other funding options....       1,778,947        2,088,131        1,914,132        4,910,363 
Units redeemed and transferred to                                                                    
   other funding options.........     (2,929,850)      (2,925,191)      (2,690,662)      (2,397,545) 
                                   --------------  ---------------  ---------------  --------------- 
Units end of year................       8,190,115        9,341,018        6,743,439        7,519,969 
                                   ==============  ===============  ===============  =============== 


                                          MIST MET/FRANKLIN                MIST MET/TEMPLETON        
                                      LOW DURATION TOTAL RETURN            INTERNATIONAL BOND        
                                             SUB-ACCOUNT                       SUB-ACCOUNT           
                                   --------------------------------  ------------------------------- 
                                        2014             2013             2014             2013      
                                   ---------------  ---------------  --------------  --------------- 

                                                                                                     
Units beginning of year..........       14,050,793        4,349,231       3,905,329        4,238,395 
Units issued and transferred                                                                         
   from other funding options....        9,769,054       13,737,199         444,582          985,885 
Units redeemed and transferred to                                                                    
   other funding options.........      (6,398,165)      (4,035,637)       (812,414)      (1,318,951) 
                                   ---------------  ---------------  --------------  --------------- 
Units end of year................       17,421,682       14,050,793       3,537,497        3,905,329 
                                   ===============  ===============  ==============  =============== 


                                             MIST METLIFE                     MIST METLIFE           
                                         ASSET ALLOCATION 100                 BALANCED PLUS          
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                   --------------------------------  --------------------------------
                                         2014             2013            2014             2013      
                                   ---------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year..........       42,451,280       44,655,767      547,096,627      438,994,467
Units issued and transferred                                                                         
   from other funding options....        3,131,273        4,811,432       67,969,703      154,477,158
Units redeemed and transferred to                                                                    
   other funding options.........      (5,666,683)      (7,015,919)     (45,207,144)     (46,374,998)
                                   ---------------  ---------------  ---------------  ---------------
Units end of year................       39,915,870       42,451,280      569,859,186      547,096,627
                                   ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                      MIST METLIFE MULTI-INDEX                                                  MIST MFS            
                                            TARGETED RISK            MIST METLIFE SMALL CAP VALUE        EMERGING MARKETS EQUITY    
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT          
                                   -------------------------------  -------------------------------  -------------------------------
                                        2014            2013             2014            2013             2014            2013      
                                   --------------  ---------------  --------------  ---------------  --------------  ---------------

                                                                                                                                    
Units beginning of year..........     153,950,143       11,094,386      13,992,716       15,859,523      41,623,177       38,352,212
Units issued and transferred                                                                                                        
   from other funding options....     155,759,625      150,360,164       1,447,253        1,894,187      10,380,546       12,177,917
Units redeemed and transferred to                                                                                                   
   other funding options.........    (28,192,850)      (7,504,407)     (3,140,882)      (3,760,994)     (9,821,392)      (8,906,952)
                                   --------------  ---------------  --------------  ---------------  --------------  ---------------
Units end of year................     281,516,918      153,950,143      12,299,087       13,992,716      42,182,331       41,623,177
                                   ==============  ===============  ==============  ===============  ==============  ===============


                                              MIST MFS                    MIST MORGAN STANLEY               MIST OPPENHEIMER        
                                       RESEARCH INTERNATIONAL               MID CAP GROWTH                    GLOBAL EQUITY         
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT          
                                   -------------------------------  -------------------------------  -------------------------------
                                        2014            2013             2014            2013             2014            2013      
                                   --------------  ---------------  --------------  ---------------  --------------  ---------------

                                                                                                                                    
Units beginning of year..........      19,616,483       21,667,563      13,099,903       12,225,316       3,127,720          500,711
Units issued and transferred                                                                                                        
   from other funding options....       1,973,110        2,142,621       1,969,239        3,100,228         158,724        3,443,548
Units redeemed and transferred to                                                                                                   
   other funding options.........     (3,003,931)      (4,193,701)     (2,140,592)      (2,225,641)       (420,366)        (816,539)
                                   --------------  ---------------  --------------  ---------------  --------------  ---------------
Units end of year................      18,585,662       19,616,483      12,928,550       13,099,903       2,866,078        3,127,720
                                   ==============  ===============  ==============  ===============  ==============  ===============

                                                        [Enlarge/Download Table]

                                     MIST PANAGORA                                                                                  
                                        GLOBAL                 MIST PIMCO                       MIST PIMCO                          
                                   DIVERSIFIED RISK     INFLATION PROTECTED BOND               TOTAL RETURN                         
                                      SUB-ACCOUNT              SUB-ACCOUNT                      SUB-ACCOUNT                         
                                   ----------------  -------------------------------  -------------------------------               
                                       2014 (B)            2014            2013             2014            2013                    
                                   ----------------  ---------------  --------------  ---------------  --------------               

                                                                                                                                    
Units beginning of year..........               --        57,648,505      64,013,091      118,419,838     128,302,689               
Units issued and transferred                                                                                                        
   from other funding options....       11,245,493         6,093,264      14,947,068       16,795,318      24,830,457               
Units redeemed and transferred to                                                                                                   
   other funding options.........      (1,457,385)      (12,990,560)    (21,311,654)     (31,710,569)    (34,713,308)               
                                   ----------------  ---------------  --------------  ---------------  --------------               
Units end of year................        9,788,108        50,751,209      57,648,505      103,504,587     118,419,838               
                                   ================  ===============  ==============  ===============  ==============               



                                                                             MIST PIONEER                     MIST PYRAMIS          
                                          MIST PIONEER FUND                STRATEGIC INCOME                 GOVERNMENT INCOME       
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT          
                                   -------------------------------  -------------------------------  -------------------------------
                                         2014            2013             2014            2013             2014            2013     
                                   ---------------  --------------  ---------------  --------------  ---------------  --------------

                                                                                                                                    
Units beginning of year..........       12,432,551      11,331,680       41,450,021      29,638,373       69,488,361      88,599,553
Units issued and transferred                                                                                                        
   from other funding options....        2,058,176       3,073,514       21,542,858      17,942,693        9,869,116      20,394,869
Units redeemed and transferred to                                                                                                   
   other funding options.........      (1,941,350)     (1,972,643)      (8,521,536)     (6,131,045)     (17,070,524)    (39,506,061)
                                   ---------------  --------------  ---------------  --------------  ---------------  --------------
Units end of year................       12,549,377      12,432,551       54,471,343      41,450,021       62,286,953      69,488,361
                                   ===============  ==============  ===============  ==============  ===============  ==============

                                                        [Enlarge/Download Table]

                                                                            MIST SCHRODERS                      MIST SSGA          
                                      MIST PYRAMIS MANAGED RISK           GLOBAL MULTI-ASSET              GROWTH AND INCOME ETF    
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT         
                                   -------------------------------  -------------------------------  ------------------------------
                                        2014           2013 (C)          2014             2013            2014            2013     
                                   --------------  ---------------  --------------  ---------------  --------------  --------------

                                                                                                                                   
Units beginning of year..........       7,294,047               --     375,261,358      179,641,654     110,435,377     118,446,237
Units issued and transferred                                                                                                       
   from other funding options....       8,511,959        7,910,133      78,123,472      254,720,312       4,643,095       8,842,539
Units redeemed and transferred to                                                                                                  
   other funding options.........     (1,601,740)        (616,086)    (52,924,615)     (59,100,608)    (13,462,353)    (16,853,399)
                                   --------------  ---------------  --------------  ---------------  --------------  --------------
Units end of year................      14,204,266        7,294,047     400,460,215      375,261,358     101,616,119     110,435,377
                                   ==============  ===============  ==============  ===============  ==============  ==============


                                                                         MIST T. ROWE PRICE               MIST T. ROWE PRICE       
                                        MIST SSGA GROWTH ETF               LARGE CAP VALUE                  MID CAP GROWTH         
                                             SUB-ACCOUNT                     SUB-ACCOUNT                      SUB-ACCOUNT          
                                   ------------------------------  -------------------------------  -------------------------------
                                        2014            2013            2014             2013            2014             2013     
                                   --------------  --------------  ---------------  --------------  ---------------  --------------

                                                                                                                                   
Units beginning of year..........      35,919,224      36,733,044       11,320,980      12,231,249       37,965,912      41,941,697
Units issued and transferred                                                                                                       
   from other funding options....       3,767,077       5,769,705        4,566,334       1,603,300        3,650,675       6,286,743
Units redeemed and transferred to                                                                                                  
   other funding options.........     (5,593,912)     (6,583,525)      (2,365,967)     (2,513,569)      (9,306,316)    (10,262,528)
                                   --------------  --------------  ---------------  --------------  ---------------  --------------
Units end of year................      34,092,389      35,919,224       13,521,347      11,320,980       32,310,271      37,965,912
                                   ==============  ==============  ===============  ==============  ===============  ==============


(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013:                         

                                                        [Enlarge/Download Table]

                                              MIST WMC                    MSF BAILLIE GIFFORD                                       
                                         LARGE CAP RESEARCH               INTERNATIONAL STOCK                                       
                                             SUB-ACCOUNT                      SUB-ACCOUNT                                           
                                   -------------------------------  --------------------------------                                
                                        2014             2013             2014            2013                                      
                                   ---------------  --------------  ---------------  ---------------                                

                                                                                                                                    
Units beginning of year..........        1,260,254       1,423,242       29,549,817          219,106                                
Units issued and transferred                                                                                                        
   from other funding options....          135,560         248,426        2,706,528       35,014,663                                
Units redeemed and transferred to                                                                                                   
   other funding options.........        (244,143)       (411,414)      (4,683,228)      (5,683,952)                                
                                   ---------------  --------------  ---------------  ---------------                                
Units end of year................        1,151,671       1,260,254       27,573,117       29,549,817                                
                                   ===============  ==============  ===============  ===============                                


                                            MSF BARCLAYS                     MSF BLACKROCK                    MSF BLACKROCK         
                                        AGGREGATE BOND INDEX                  BOND INCOME                 CAPITAL APPRECIATION      
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT          
                                   -------------------------------  -------------------------------  -------------------------------
                                        2014             2013            2014             2013            2014             2013     
                                   --------------  ---------------  --------------  ---------------  ---------------  --------------

                                                                                                                                    
Units beginning of year..........      13,536,937       10,756,748       1,054,348        1,045,629          721,215         745,728
Units issued and transferred                                                                                                        
   from other funding options....       6,144,916        6,105,533         243,287          259,586           99,371         149,273
Units redeemed and transferred to                                                                                                   
   other funding options.........     (3,582,152)      (3,325,344)       (191,883)        (250,867)        (180,678)       (173,786)
                                   --------------  ---------------  --------------  ---------------  ---------------  --------------
Units end of year................      16,099,701       13,536,937       1,105,752        1,054,348          639,908         721,215
                                   ==============  ===============  ==============  ===============  ===============  ==============


                                            MSF BLACKROCK                                                                           
                                           LARGE CAP VALUE                                                                          
                                             SUB-ACCOUNT                                                                            
                                   --------------------------------                                                                 
                                         2014            2013                                                                       
                                   ---------------  ---------------                                                                 

                                                                                                                                    
Units beginning of year..........          225,190          230,438                                                                 
Units issued and transferred                                                                                                        
   from other funding options....           49,481           39,765                                                                 
Units redeemed and transferred to                                                                                                   
   other funding options.........         (44,704)         (45,013)                                                                 
                                   ---------------  ---------------                                                                 
Units end of year................          229,967          225,190                                                                 
                                   ===============  ===============                                                                 

                                                        [Enlarge/Download Table]

                                            MSF BLACKROCK                                                                          
                                            MONEY MARKET              MSF FRONTIER MID CAP GROWTH          MSF JENNISON GROWTH     
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT         
                                   -------------------------------  -------------------------------  ------------------------------
                                        2014             2013            2014           2013 (C)          2014            2013     
                                   --------------  ---------------  --------------  ---------------  --------------  --------------

                                                                                                                                   
Units beginning of year..........      44,329,198       53,484,009       4,767,721               --      32,574,197      35,125,323
Units issued and transferred                                                                                                       
   from other funding options....      34,263,648       42,460,926         469,614        5,813,772       2,242,773       6,890,303
Units redeemed and transferred to                                                                                                  
   other funding options.........    (39,524,364)     (51,615,737)       (988,963)      (1,046,051)     (7,288,583)     (9,441,429)
                                   --------------  ---------------  --------------  ---------------  --------------  --------------
Units end of year................      39,068,482       44,329,198       4,248,372        4,767,721      27,528,387      32,574,197
                                   ==============  ===============  ==============  ===============  ==============  ==============


                                          MSF LOOMIS SAYLES               MSF LOOMIS SAYLES                 MSF MET/ARTISAN        
                                           SMALL CAP CORE                 SMALL CAP GROWTH                   MID CAP VALUE         
                                             SUB-ACCOUNT                     SUB-ACCOUNT                      SUB-ACCOUNT          
                                   ------------------------------  -------------------------------  -------------------------------
                                        2014            2013            2014             2013            2014             2013     
                                   --------------  --------------  ---------------  --------------  ---------------  --------------

                                                                                                                                   
Units beginning of year..........         283,327         330,015           12,506           3,306       13,125,790      13,419,571
Units issued and transferred                                                                                                       
   from other funding options....          28,393          60,857            5,011          13,578          999,169       2,613,526
Units redeemed and transferred to                                                                                                  
   other funding options.........        (50,660)       (107,545)          (1,215)         (4,378)      (2,919,692)     (2,907,307)
                                   --------------  --------------  ---------------  --------------  ---------------  --------------
Units end of year................         261,060         283,327           16,302          12,506       11,205,267      13,125,790
                                   ==============  ==============  ===============  ==============  ===============  ==============

                                                        [Enlarge/Download Table]

                                          MSF MET/DIMENSIONAL                   MSF METLIFE          
                                      INTERNATIONAL SMALL COMPANY           ASSET ALLOCATION 20      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                   --------------------------------  --------------------------------
                                         2014             2013             2014             2013     
                                   ---------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year..........        3,208,551        3,203,412          557,035          735,694
Units issued and transferred                                                                         
   from other funding options....          923,235          832,391        4,014,103           51,604
Units redeemed and transferred to                                                                    
   other funding options.........      (1,061,462)        (827,252)      (1,597,561)        (230,263)
                                   ---------------  ---------------  ---------------  ---------------
Units end of year................        3,070,324        3,208,551        2,973,577          557,035
                                   ===============  ===============  ===============  ===============


                                              MSF METLIFE                      MSF METLIFE           
                                          ASSET ALLOCATION 40              ASSET ALLOCATION 60       
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                   --------------------------------  --------------------------------
                                         2014            2013             2014             2013      
                                   ---------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year..........          550,896          588,986        3,073,122        3,326,548
Units issued and transferred                                                                         
   from other funding options....      384,962,898           17,083      533,719,873           91,734
Units redeemed and transferred to                                                                    
   other funding options.........     (44,496,679)         (55,173)     (46,954,770)        (345,160)
                                   ---------------  ---------------  ---------------  ---------------
Units end of year................      341,017,115          550,896      489,838,225        3,073,122
                                   ===============  ===============  ===============  ===============


                                             MSF METLIFE                       MSF METLIFE           
                                         ASSET ALLOCATION 80               MID CAP STOCK INDEX       
                                             SUB-ACCOUNT                       SUB-ACCOUNT           
                                   --------------------------------  --------------------------------
                                        2014             2013             2014             2013      
                                   ---------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year..........        3,927,901        4,335,356        5,501,359        4,914,049
Units issued and transferred                                                                         
   from other funding options....      453,377,945           54,564        1,229,805        2,339,087
Units redeemed and transferred to                                                                    
   other funding options.........     (36,732,921)        (462,019)      (1,552,703)      (1,751,777)
                                   ---------------  ---------------  ---------------  ---------------
Units end of year................      420,572,925        3,927,901        5,178,461        5,501,359
                                   ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                        MSF METLIFE STOCK INDEX         MSF MFS TOTAL RETURN                 MSF MFS VALUE         
                                              SUB-ACCOUNT                    SUB-ACCOUNT                      SUB-ACCOUNT          
                                    ------------------------------  ------------------------------  ------------------------------ 
                                         2014            2013            2014            2013            2014            2013      
                                    --------------  --------------  --------------  --------------  --------------  -------------- 

                                                                                                                                   
Units beginning of year............     28,624,388      29,109,224         814,124         730,405      12,139,878       3,025,966 
Units issued and transferred                                                                                                       
   from other funding options......      6,253,090       6,636,730          82,183         213,323       1,347,935      11,667,337 
Units redeemed and transferred to                                                                                                  
   other funding options...........    (6,612,604)     (7,121,566)       (140,240)       (129,604)     (2,570,905)     (2,553,425) 
                                    --------------  --------------  --------------  --------------  --------------  -------------- 
Units end of year..................     28,264,874      28,624,388         756,067         814,124      10,916,908      12,139,878 
                                    ==============  ==============  ==============  ==============  ==============  ============== 


                                          MSF MSCI EAFE INDEX         MSF NEUBERGER BERMAN GENESIS       MSF RUSSELL 2000 INDEX    
                                              SUB-ACCOUNT                      SUB-ACCOUNT                     SUB-ACCOUNT         
                                    -------------------------------  ------------------------------  ------------------------------
                                         2014             2013            2014            2013            2014            2013     
                                    ---------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                   
Units beginning of year............       8,809,646       7,172,234       8,020,175         626,194       5,835,501       5,078,788
Units issued and transferred                                                                                                       
   from other funding options......       1,960,333       3,468,301         707,452       8,992,058       1,445,125       2,243,147
Units redeemed and transferred to                                                                                                  
   other funding options...........     (2,072,447)     (1,830,889)     (1,617,845)     (1,598,077)     (1,473,612)     (1,486,434)
                                    ---------------  --------------  --------------  --------------  --------------  --------------
Units end of year..................       8,697,532       8,809,646       7,109,782       8,020,175       5,807,014       5,835,501
                                    ===============  ==============  ==============  ==============  ==============  ==============


(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013:                         

                                                        [Enlarge/Download Table]


                                          MSF T. ROWE PRICE                 MSF T. ROWE PRICE                       
                                          LARGE CAP GROWTH                  SMALL CAP GROWTH                        
                                             SUB-ACCOUNT                       SUB-ACCOUNT                          
                                   -------------------------------  --------------------------------                
                                        2014             2013             2014            2013                      
                                   ---------------  --------------  ---------------  ---------------                

                                                                                                                    
Units beginning of year..........       14,688,080          39,346          356,919          380,162                
Units issued and transferred                                                                                        
   from other funding options....        5,921,810      18,370,073           53,389           74,979                
Units redeemed and transferred to                                                                                   
   other funding options.........      (5,594,516)     (3,721,339)         (89,235)         (98,222)                
                                   ---------------  --------------  ---------------  ---------------                
Units end of year................       15,015,374      14,688,080          321,073          356,919                
                                   ===============  ==============  ===============  ===============                


                                                                      MSF WESTERN                                   
                                                                         ASSET                                      
                                                                      MANAGEMENT                                    
                                             MSF VAN ECK            STRATEGIC BOND   MSF WESTERN ASSET MANAGEMENT   
                                      GLOBAL NATURAL RESOURCES       OPPORTUNITIES          U.S. GOVERNMENT         
                                             SUB-ACCOUNT              SUB-ACCOUNT             SUB-ACCOUNT           
                                   -------------------------------  --------------  --------------------------------
                                        2014             2013          2014 (A)           2014            2013      
                                   --------------  ---------------  --------------  ---------------  ---------------

                                                                                                                    
Units beginning of year..........       6,278,667        7,200,491              --       16,417,493       17,244,875
Units issued and transferred                                                                                        
   from other funding options....       1,787,920        1,538,360             398        2,668,864        4,180,259
Units redeemed and transferred to                                                                                   
   other funding options.........     (1,479,922)      (2,460,184)              --      (3,739,821)      (5,007,641)
                                   --------------  ---------------  --------------  ---------------  ---------------
Units end of year................       6,586,665        6,278,667             398       15,346,536       16,417,493
                                   ==============  ===============  ==============  ===============  ===============



                                            MSF WMC CORE                                                            
                                        EQUITY OPPORTUNITIES                                                        
                                             SUB-ACCOUNT                                                            
                                   -------------------------------                                                  
                                        2014             2013                                                       
                                   --------------  ---------------                                                  

                                                                                                                    
Units beginning of year..........      36,209,587       41,401,029                                                  
Units issued and transferred                                                                                        
   from other funding options....       2,050,455        3,841,529                                                  
Units redeemed and transferred to                                                                                   
   other funding options.........     (7,542,024)      (9,032,971)                                                  
                                   --------------  ---------------                                                  
Units end of year................      30,718,018       36,209,587                                                  
                                   ==============  ===============                                                  

                                                        [Enlarge/Download Table]

                                                                                                             OPPENHEIMER VA         
                                      NEUBERGER BERMAN GENESIS         OPPENHEIMER VA CORE BOND          GLOBAL STRATEGIC INCOME    
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT          
                                   -------------------------------  -------------------------------  -------------------------------
                                        2014             2013            2014             2013            2014             2013     
                                   --------------  ---------------  --------------  ---------------  --------------  ---------------

                                                                                                                                    
Units beginning of year..........             474              474           1,493            1,541             443              443
Units issued and transferred                                                                                                        
   from other funding options....              --               --              --               --              --               --
Units redeemed and transferred to                                                                                                   
   other funding options.........            (81)               --           (131)             (48)              --               --
                                   --------------  ---------------  --------------  ---------------  --------------  ---------------
Units end of year................             393              474           1,362            1,493             443              443
                                   ==============  ===============  ==============  ===============  ==============  ===============


                                         OPPENHEIMER VA MAIN                                                                        
                                          STREET SMALL CAP            OPPENHEIMER VA MAIN STREET          OPPENHEIMER VA MONEY      
                                             SUB-ACCOUNT                      SUB-ACCOUNT                      SUB-ACCOUNT          
                                   -------------------------------  -------------------------------  -------------------------------
                                        2014             2013            2014             2013            2014             2013     
                                   --------------  ---------------  --------------  ---------------  ---------------  --------------

                                                                                                                                    
Units beginning of year..........       4,655,290        5,041,901          14,316           14,959              723          20,150
Units issued and transferred                                                                                                        
   from other funding options....         411,658          643,815              --               --               --              --
Units redeemed and transferred to                                                                                                   
   other funding options.........       (720,446)      (1,030,426)           (944)            (643)             (27)        (19,427)
                                   --------------  ---------------  --------------  ---------------  ---------------  --------------
Units end of year................       4,346,502        4,655,290          13,372           14,316              696             723
                                   ==============  ===============  ==============  ===============  ===============  ==============

                                                        [Enlarge/Download Table]

                                       PIMCO VIT                                                                       
                                      COMMODITY-        PIMCO VIT        PIMCO VIT                                     
                                      REALRETURN        EMERGING       UNCONSTRAINED                                   
                                       STRATEGY        MARKET BOND         BOND            PIONEER VCT MID CAP VALUE   
                                      SUB-ACCOUNT      SUB-ACCOUNT      SUB-ACCOUNT               SUB-ACCOUNT          
                                   ---------------  ----------------  ---------------  --------------------------------
                                       2014 (A)         2014 (A)         2014 (A)           2014              2013     
                                   ---------------  ----------------  ---------------  ---------------  ---------------

                                                                                                                       
Units beginning of year..........               --                --               --        1,719,853        1,769,793
Units issued and transferred                                                                                           
   from other funding options....            1,515             1,592              478          151,338          220,661
Units redeemed and transferred to                                                                                      
   other funding options.........               --                --               --        (289,914)        (270,601)
                                   ---------------  ----------------  ---------------  ---------------  ---------------
Units end of year................            1,515             1,592              478        1,581,277        1,719,853
                                   ===============  ================  ===============  ===============  ===============



                                    PIONEER VCT REAL ESTATE SHARES      T. ROWE PRICE GROWTH STOCK                     
                                              SUB-ACCOUNT                       SUB-ACCOUNT                            
                                   --------------------------------  --------------------------------                  
                                         2014             2013             2014            2013                        
                                   ---------------  ---------------  ---------------  ---------------                  

                                                                                                                       
Units beginning of year..........           11,399           10,700           62,571           66,302                  
Units issued and transferred                                                                                           
   from other funding options....              225            1,372            6,322            6,234                  
Units redeemed and transferred to                                                                                      
   other funding options.........          (2,852)            (673)         (16,639)          (9,965)                  
                                   ---------------  ---------------  ---------------  ---------------                  
Units end of year................            8,772           11,399           52,254           62,571                  
                                   ===============  ===============  ===============  ===============                  



                                   T. ROWE PRICE INTERNATIONAL STOCK                                                   
                                              SUB-ACCOUNT                                                              
                                   ----------------------------------                                                  
                                         2014              2013                                                        
                                    ---------------  ---------------                                                   

                                                                                                                       
Units beginning of year..........            41,360           45,736                                                   
Units issued and transferred                                                                                           
   from other funding options....             2,072            1,435                                                   
Units redeemed and transferred to                                                                                      
   other funding options.........           (3,434)          (5,811)                                                   
                                    ---------------  ---------------                                                   
Units end of year................            39,998           41,360                                                   
                                    ===============  ===============                                                   


(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONCLUDED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013:                         

                                                        [Enlarge/Download Table]


                                                                        TAP 1919 VARIABLE SOCIALLY         UIF GLOBAL  
                                     T. ROWE PRICE PRIME RESERVE            RESPONSIVE BALANCED          INFRASTRUCTURE
                                             SUB-ACCOUNT                        SUB-ACCOUNT                SUB-ACCOUNT 
                                   --------------------------------  ---------------------------------  ---------------
                                        2014              2013             2014             2013            2014 (A)   
                                   ---------------  ---------------  ----------------  ---------------  ---------------

                                                                                                                       
Units beginning of year..........           31,743           40,746             7,932            9,185               --
Units issued and transferred                                                                                           
   from other funding options....           28,287           30,026               427              363              664
Units redeemed and transferred to                                                                                      
   other funding options.........         (30,543)         (39,029)           (1,953)          (1,616)               --
                                   ---------------  ---------------  ----------------  ---------------  ---------------
Units end of year................           29,487           31,743             6,406            7,932              664
                                   ===============  ===============  ================  ===============  ===============


                                      VAN ECK VIP                                                                      
                                      LONG/SHORT                                                                       
                                        EQUITY                                                                         
                                      INDEX FUND                                                                       
                                      SUB-ACCOUNT                                                                      
                                   ----------------                                                                    
                                       2014 (A)                                                                        
                                   ----------------                                                                    

                                                                                                                       
Units beginning of year..........                --                                                                    
Units issued and transferred                                                                                           
   from other funding options....             1,662                                                                    
Units redeemed and transferred to                                                                                      
   other funding options.........                --                                                                    
                                   ----------------                                                                    
Units end of year................             1,662                                                                    
                                   ================                                                                    


(a) For the period November 19, 2014 to December 31, 2014.                      
(b) For the period April 28, 2014 to December 31, 2014.                         
(c) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS                                                        

The Company sells a number of variable annuity products which have unique       
combinations of features and fees, some of which directly affect the unit       
values of the Sub-Accounts. Differences in the fee structures result in a       
variety of unit values, expense ratios, and total returns.                      

The following table is a summary of unit values and units outstanding for the   
Contracts, net investment income ratios, and expense ratios, excluding expenses 
for the underlying portfolio, series or fund, for the respective stated periods 
in the five years ended December 31, 2014:                                      

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                  
                                       ---------------------------------------------     
                                                        UNIT VALUE                       
                                                         LOWEST TO          NET          
                                           UNITS        HIGHEST ($)     ASSETS ($)       
                                       ------------  ---------------  --------------     
                                                                                         
Alger Small Cap Growth           2014     3,970,857    14.28 - 14.58      57,195,868     
   Sub-Account                   2013     4,387,118    14.41 - 14.70      63,772,199     
                                 2012     4,795,545    10.89 - 11.09      52,626,085     
                                 2011     5,212,661      9.82 - 9.98      51,540,007     
                                 2010     5,634,931    10.28 - 10.44      58,325,342     

American Funds Bond              2014     8,333,829    16.47 - 19.48     151,245,946     
   Sub-Account                   2013     8,361,945    15.94 - 18.68     146,158,351     
                                 2012     7,687,811    16.60 - 19.27     139,213,016     
                                 2011     6,703,194    16.06 - 18.46     116,697,267     
                                 2010     5,183,483    15.43 - 17.57      86,203,052     

American Funds Global            2014     8,193,931    32.79 - 42.00     312,209,187     
   Growth Sub-Account            2013     8,333,553    32.79 - 41.42     314,826,203     
                                 2012     8,485,913    25.98 - 32.35     251,295,328     
                                 2011     8,205,329    21.69 - 26.44     200,460,185     
                                 2010     7,470,107    24.36 - 29.30     202,441,649     

American Funds Global Small      2014     3,297,014    13.05 - 40.07     122,112,070     
   Capitalization Sub-Account    2013     3,375,743    33.79 - 39.59     124,184,003     
                                 2012     3,385,796    26.85 - 31.14      98,386,346     
                                 2011     3,080,674    23.15 - 26.58      76,801,888     
                                 2010     2,578,008    29.19 - 33.17      80,582,925     

American Funds Growth            2014     3,527,704  179.03 - 276.84     821,201,132     
   Sub-Account                   2013     3,937,244  168.83 - 257.41     856,560,204     
                                 2012     4,113,319  132.79 - 199.62     696,665,988     
                                 2011     3,976,212  115.27 - 170.85     577,437,630     
                                 2010     3,717,676  123.22 - 180.08     568,813,924     

American Funds                   2014     2,378,568  127.56 - 197.24     390,905,716     
   Growth-Income Sub-Account     2013     2,581,885  117.99 - 179.88     388,319,990     
                                 2012     2,745,842   90.43 - 135.94     312,823,451     
                                 2011     2,773,925   78.78 - 116.75     272,388,909     
                                 2010     2,639,070   82.11 - 119.99     266,511,951     

BlackRock Global Allocation V.I. 2014           402            21.30           8,557     
   Sub-Account                                                                           
   (Commenced 11/19/2014)                                                                

Deutsche I International         2014     1,732,959      8.50 - 8.57      14,851,303     
   Sub-Account                   2013     1,888,612      9.76 - 9.85      18,592,794     
                                 2012     2,040,232      8.24 - 8.30      16,933,216     
                                 2011     2,245,605      6.92 - 6.97      15,659,285     
                                 2010     2,471,385      8.43 - 8.48      20,962,763     


                                                  FOR THE YEAR ENDED DECEMBER 31         
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
Alger Small Cap Growth           2014         --        1.25 - 1.40       (0.96) - (0.81)
   Sub-Account                   2013         --        1.25 - 1.40         32.40 - 32.59
                                 2012         --        1.25 - 1.40         10.93 - 11.09
                                 2011         --        1.25 - 1.40       (4.52) - (4.38)
                                 2010         --        1.25 - 1.40         23.54 - 23.73

American Funds Bond              2014       1.94        0.95 - 1.90           3.30 - 4.28
   Sub-Account                   2013       1.84        0.95 - 1.90       (4.00) - (3.08)
                                 2012       2.64        0.95 - 1.90           3.38 - 4.37
                                 2011       3.37        0.95 - 1.90           4.11 - 5.11
                                 2010       3.44        0.95 - 1.90           4.44 - 5.44

American Funds Global            2014       1.16        0.90 - 2.30         (0.01) - 1.40
   Growth Sub-Account            2013       1.26        0.90 - 2.30         26.24 - 28.02
                                 2012       0.94        0.90 - 2.30          7.06 - 21.40
                                 2011       1.37        0.95 - 2.30      (10.95) - (9.75)
                                 2010       1.56        0.95 - 2.30          9.21 - 10.69

American Funds Global Small      2014       0.12        0.89 - 1.90           0.20 - 1.67
   Capitalization Sub-Account    2013       0.87        0.89 - 1.90         25.87 - 27.14
                                 2012       1.35        0.89 - 1.90          2.91 - 17.13
                                 2011       1.34        0.89 - 1.90     (20.66) - (19.86)
                                 2010       1.75        0.89 - 1.90         20.11 - 21.33

American Funds Growth            2014       0.77        0.89 - 2.30           6.04 - 7.55
   Sub-Account                   2013       0.93        0.89 - 2.30         27.15 - 28.95
                                 2012       0.81        0.89 - 2.30          1.85 - 16.84
                                 2011       0.63        0.89 - 2.30       (6.45) - (5.12)
                                 2010       0.77        0.89 - 2.30         15.98 - 17.63

American Funds                   2014       1.27        0.89 - 2.30           8.12 - 9.65
   Growth-Income Sub-Account     2013       1.35        0.89 - 2.30         30.47 - 32.32
                                 2012       1.64        0.89 - 2.30         14.80 - 16.44
                                 2011       1.60        0.89 - 2.30       (4.06) - (2.70)
                                 2010       1.55        0.89 - 2.30          8.90 - 10.44

BlackRock Global Allocation V.I. 2014       2.13               1.10                (0.45)
   Sub-Account                                                                           
   (Commenced 11/19/2014)                                                                

Deutsche I International         2014       1.76        1.35 - 1.40     (12.99) - (12.95)
   Sub-Account                   2013       5.30        1.35 - 1.40         18.56 - 18.62
                                 2012       2.19        1.35 - 1.40         18.96 - 19.02
                                 2011       1.83        1.35 - 1.40     (17.83) - (17.79)
                                 2010       2.18        1.35 - 1.40           0.21 - 0.26

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                AS OF DECEMBER 31                         FOR THE YEAR ENDED DECEMBER 31          
                                  ---------------------------------------------  -------------------------------------------------
                                                  UNIT VALUE                     INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                                   LOWEST TO           NET          INCOME          LOWEST TO         LOWEST TO   
                                      UNITS       HIGHEST ($)      ASSETS ($)      RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                  ------------  ---------------  --------------  -------------  ----------------  ----------------
                                                                                                                                  
Federated High Income Bond  2014         2,534            10.41          26,376       5.88               1.40                 1.26
   Sub-Account              2013         2,545            10.28          26,166       6.76               1.40                 5.50
                            2012         2,556             9.74          24,908       8.87               1.40                13.09
                            2011         3,549             8.62          30,572       8.62               1.40                 3.71
                            2010         3,566             8.31          29,620       7.89               1.40                13.13

Federated Kaufman           2014         5,676             8.33          47,253         --               1.40                 8.19
   Sub-Account              2013         5,836             7.70          44,907         --               1.40                38.18
   (Commenced 3/15/2010)    2012         6,002             5.57          33,424         --               1.40                15.65
                            2011        12,138             4.82          58,454       1.12               1.40              (14.47)
                            2010        14,184             5.63          79,874         --               1.40                13.09

Fidelity VIP Asset Manager  2014     5,426,360    15.54 - 16.47      84,977,763       1.47        0.89 - 1.40          4.36 - 4.90
   Sub-Account              2013     5,885,530    14.88 - 15.70      88,274,483       1.55        0.89 - 1.40        14.10 - 14.68
                            2012     6,517,939    13.04 - 13.69      85,640,352       1.49        0.89 - 1.40        10.91 - 11.48
                            2011     7,353,740    11.75 - 12.28      87,071,337       1.88        0.89 - 1.40      (3.91) - (3.42)
                            2010     8,263,984    12.22 - 12.71     101,784,889       1.66        0.89 - 1.40        12.67 - 13.26

Fidelity VIP Contrafund     2014    20,382,633     6.24 - 71.28     631,948,733       0.89        0.89 - 2.25         9.33 - 10.95
   Sub-Account              2013    17,717,451     5.67 - 64.36     611,972,926       1.04        0.89 - 2.25        10.23 - 30.12
                            2012    15,604,750    12.42 - 49.54     471,113,726       1.36        0.89 - 2.25        13.71 - 15.38
                            2011    15,588,853    10.76 - 43.00     388,526,965       1.01        0.89 - 2.25      (4.80) - (3.38)
                            2010    15,707,574    11.14 - 44.59     379,741,596       1.25        0.89 - 2.25        14.51 - 16.18

Fidelity VIP Equity-Income  2014       303,711            18.69       5,676,328       2.75               1.40                 7.21
   Sub-Account              2013       341,560            17.43       5,954,600       2.41               1.40                26.37
                            2012       400,352            13.80       5,523,241       2.96               1.40                15.67
                            2011       460,289            11.93       5,489,918       2.37               1.40               (0.43)
                            2010       530,175            11.98       6,350,751       1.75               1.40                13.56

Fidelity VIP FundsManager   2014   268,426,412    13.11 - 13.28   3,538,458,593       1.45        1.90 - 2.05          2.96 - 3.12
   50% Sub-Account          2013   158,954,030    12.73 - 12.88   2,033,793,788       1.55        1.90 - 2.05        12.57 - 12.74
   (Commenced 7/23/2012)    2012    39,080,828    11.31 - 11.42     443,823,085       2.69        1.90 - 2.05          1.76 - 4.11

Fidelity VIP FundsManager   2014   319,425,019    12.44 - 12.58   3,994,437,491       1.24        1.90 - 2.05          3.27 - 3.42
   60% Sub-Account          2013   333,151,686    12.05 - 12.16   4,031,523,824       1.16        1.90 - 2.05        16.21 - 16.38
                            2012   345,636,001    10.37 - 10.45   3,596,633,088       1.53        1.90 - 2.05          9.33 - 9.49
                            2011   272,464,191      9.48 - 9.54   2,591,601,265       2.00        1.90 - 2.05      (4.01) - (3.87)
                            2010   118,824,451      9.88 - 9.93   1,176,598,687       2.72        1.90 - 2.05        11.32 - 11.49

Fidelity VIP Growth         2014     7,538,876    22.06 - 23.24     167,673,930       0.18        0.89 - 1.40         9.75 - 10.31
   Sub-Account              2013     8,194,380    20.10 - 21.07     165,968,439       0.29        0.89 - 1.40        34.44 - 35.13
                            2012     9,085,626    14.95 - 15.59     136,799,312       0.59        0.89 - 1.40        13.09 - 13.67
                            2011     9,918,387    13.22 - 13.72     131,974,709       0.36        0.89 - 1.40      (1.19) - (0.68)
                            2010    10,951,340    13.38 - 13.81     147,385,504       0.28        0.89 - 1.40        22.44 - 23.08

Fidelity VIP Index 500      2014     2,778,454    25.25 - 26.71      70,165,982       1.59        0.89 - 1.35        12.05 - 12.56
   Sub-Account              2013     3,091,556    22.53 - 23.73      69,677,247       1.84        0.89 - 1.35        30.47 - 31.07
                            2012     3,530,426    17.27 - 18.10      60,984,620       2.03        0.89 - 1.35        14.35 - 14.88
                            2011     3,976,112    15.10 - 15.76      60,061,917       1.87        0.89 - 1.35          0.67 - 1.14
                            2010     4,565,389    14.90 - 15.58      68,501,202       1.87        0.89 - 1.40        13.42 - 14.00

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                   
                                    ---------------------------------------------     
                                                     UNIT VALUE                       
                                                      LOWEST TO          NET          
                                        UNITS        HIGHEST ($)     ASSETS ($)       
                                    ------------  ---------------  --------------     
                                                                                      
Fidelity VIP Mid Cap          2014     7,445,624    55.03 - 64.08     446,277,693     
   Sub-Account                2013     7,792,671    52.90 - 61.01     446,581,942     
                              2012     7,598,912    39.68 - 45.33     324,832,892     
                              2011     6,289,465    35.30 - 39.95     237,701,501     
                              2010     4,364,581    40.36 - 45.24     187,246,537     

Fidelity VIP Money Market     2014     5,894,288     6.95 - 10.53      50,947,648     
   Sub-Account                2013     8,307,410     7.04 - 10.73      76,155,346     
                              2012     8,041,430     7.14 - 10.94      73,659,399     
                              2011     8,001,050     7.23 - 11.14      73,068,632     
                              2010     7,492,405     7.33 - 11.34      67,343,833     

Fidelity VIP Overseas         2014       411,275    11.28 - 12.89       4,942,746     
   Sub-Account                2013       447,143    12.41 - 14.19       5,925,521     
                              2012       509,517     9.62 - 11.02       5,241,037     
                              2011       540,072      8.06 - 9.24       4,664,192     
                              2010       593,728     9.85 - 11.30       6,266,276     

FTVIPT Franklin Income VIP    2014     4,717,186    49.71 - 69.63     294,909,928     
   Sub-Account                2013     4,919,666    48.59 - 67.20     297,821,470     
                              2012     4,708,870    43.62 - 59.54     253,164,341     
                              2011     4,290,472    39.61 - 53.36     206,611,149     
                              2010     3,722,732    39.56 - 52.61     176,548,647     

FTVIPT Franklin Mutual        2014     5,080,687    27.45 - 32.61     153,109,223     
   Shares VIP Sub-Account     2013     5,477,366    26.11 - 30.73     156,078,571     
                              2012     5,768,385    20.75 - 24.19     129,780,562     
                              2011     5,952,328    18.51 - 21.38     118,532,870     
                              2010     5,431,435    19.07 - 21.81     110,507,146     

FTVIPT Franklin Small Cap     2014     9,145,054     1.42 - 14.25     126,502,556     
   Value VIP Sub-Account      2013     9,184,423    13.56 - 14.30     128,048,983     
                              2012     8,321,925    10.13 - 10.60      86,296,073     
                              2011     5,710,847      8.71 - 9.04      50,705,697     
                              2010     3,178,430      9.21 - 9.48      29,718,643     

FTVIPT Templeton Foreign VIP  2014     2,354,783    14.19 - 33.39      73,607,780     
   Sub-Account                2013     2,457,017    16.25 - 38.21      87,721,293     
                              2012     2,730,167    13.46 - 31.61      80,788,377     
                              2011     2,720,421    11.59 - 27.19      69,009,193     
                              2010     2,782,005    13.20 - 30.95      79,683,759     

FTVIPT Templeton Global       2014    12,667,617    18.48 - 21.01     250,150,012     
   Bond VIP Sub-Account       2013    12,950,902    18.47 - 20.82     254,683,414     
                              2012    11,067,808    18.50 - 20.69     217,063,429     
                              2011     8,104,261    16.36 - 18.15     139,986,041     
                              2010     4,997,591    16.79 - 18.48      88,294,177     

Invesco V.I. American         2014         1,911             7.90          15,107     
   Franchise Sub-Account      2013        22,147             7.39         163,713     
                              2012        28,015             5.35         149,862     
                              2011        18,874             4.77          90,033     
                              2010        25,363             5.16         130,764     


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                       INCOME          LOWEST TO          LOWEST TO   
                                      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                    -------------  ----------------  -----------------
                                                                                      
Fidelity VIP Mid Cap          2014      0.02         0.95 - 1.90           4.04 - 5.03
   Sub-Account                2013      0.28         0.95 - 1.90         33.31 - 34.59
                              2012      0.43         0.95 - 1.90         12.40 - 13.47
                              2011      0.03         0.95 - 1.90     (12.53) - (11.70)
                              2010      0.14         0.95 - 1.90         26.16 - 27.36

Fidelity VIP Money Market     2014      0.01         0.89 - 2.05       (2.02) - (0.88)
   Sub-Account                2013      0.02         0.89 - 2.05       (2.01) - (0.86)
                              2012      0.12         0.89 - 2.05       (1.93) - (0.76)
                              2011      0.09         0.89 - 2.05       (1.94) - (0.77)
                              2010      0.17         0.89 - 2.05       (1.82) - (0.65)

Fidelity VIP Overseas         2014      1.29         1.15 - 1.40       (9.36) - (9.13)
   Sub-Account                2013      1.34         1.15 - 1.40         28.62 - 28.95
                              2012      1.97         1.15 - 1.40         19.05 - 19.35
                              2011      1.35         1.15 - 1.40     (18.32) - (18.12)
                              2010      1.39         1.15 - 1.40         11.54 - 11.82

FTVIPT Franklin Income VIP    2014      4.98         0.95 - 2.25           2.29 - 3.63
   Sub-Account                2013      6.33         0.95 - 2.25         11.41 - 12.86
                              2012      6.44         0.95 - 2.25         10.13 - 11.58
                              2011      5.75         0.95 - 2.25           0.11 - 1.42
                              2010      6.60         0.95 - 2.25         10.17 - 11.61

FTVIPT Franklin Mutual        2014      2.00         0.95 - 1.90           5.11 - 6.11
   Shares VIP Sub-Account     2013      2.10         0.95 - 1.90         25.85 - 27.05
                              2012      2.06         0.95 - 1.90         12.08 - 13.16
                              2011      2.42         0.95 - 1.90       (2.90) - (1.98)
                              2010      1.62         0.95 - 1.90          9.10 - 10.14

FTVIPT Franklin Small Cap     2014      0.61         0.95 - 1.75       (1.17) - (0.38)
   Value VIP Sub-Account      2013      1.31         0.95 - 1.75         33.88 - 34.95
                              2012      0.78         0.95 - 1.75         16.32 - 17.26
                              2011      0.66         0.95 - 1.75       (5.43) - (4.67)
                              2010      0.73         0.95 - 1.75         26.00 - 27.01

FTVIPT Templeton Foreign VIP  2014      1.86         1.55 - 2.30     (13.15) - (12.50)
   Sub-Account                2013      2.38         1.55 - 2.30         20.18 - 21.08
                              2012      3.02         1.55 - 2.30         15.53 - 16.41
                              2011      1.71         1.55 - 2.30     (12.66) - (12.00)
                              2010      1.88         1.55 - 2.30           5.94 - 6.74

FTVIPT Templeton Global       2014      5.11         0.95 - 1.75           0.07 - 0.87
   Bond VIP Sub-Account       2013      4.75         0.95 - 1.75         (0.13) - 0.67
                              2012      6.42         0.95 - 1.75         13.06 - 13.97
                              2011      5.46         0.95 - 1.75       (2.58) - (1.81)
                              2010      1.36         0.95 - 1.75         12.46 - 13.36

Invesco V.I. American         2014        --                1.40                  6.93
   Franchise Sub-Account      2013      0.42                1.40                 38.19
                              2012        --                1.40                 12.14
                              2011        --                1.40                (7.49)
                              2010        --                1.40                 18.18

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                 
                                       ---------------------------------------------    
                                                        UNIT VALUE                      
                                                         LOWEST TO          NET         
                                           UNITS        HIGHEST ($)     ASSETS ($)      
                                       ------------  ---------------  --------------    
                                                                                        
Invesco V.I. Core Equity         2014        34,703             6.68         231,978    
   Sub-Account                   2013        39,835             6.27         249,696    
                                 2012        49,005             4.92         241,009    
                                 2011        63,191             4.38         276,761    
                                 2010        88,640             4.44         393,933    

Invesco V.I. Equity and          2014    30,622,887     6.54 - 23.37     681,211,301    
   Income Sub-Account            2013    31,328,255     6.09 - 21.69     649,322,698    
                                 2012    29,563,858     4.93 - 17.54     496,945,594    
                                 2011    27,370,136     4.44 - 15.75     414,357,262    
                                 2010    22,199,448    14.98 - 16.11     345,124,808    

Invesco V.I. Growth and          2014           665            10.41           6,927    
   Income Sub-Account            2013    13,799,854     9.57 - 36.41     365,970,613    
                                 2012    13,407,203     7.24 - 27.48     268,230,013    
                                 2011    11,777,382     6.40 - 24.26     206,338,231    
                                 2010     9,061,763     6.63 - 25.06     160,437,278    

Invesco V.I. International       2014     8,820,511     9.07 - 34.18     275,880,972    
   Growth Sub-Account            2013     8,901,354     9.17 - 34.47     281,999,206    
                                 2012     8,127,475     7.81 - 29.32     219,783,700    
                                 2011     6,481,068     6.86 - 25.68     154,099,050    
                                 2010     4,327,573     7.46 - 27.87     111,888,065    

Ivy Funds VIP Asset Strategy     2014         2,575    16.67 - 17.51          45,023    
   Sub-Account                                                                          
   (Commenced 11/19/2014)                                                               

LMPVET ClearBridge Variable      2014    11,333,726    17.67 - 30.99     316,448,933    
   Aggressive Growth             2013    11,979,001    15.00 - 25.98     280,745,200    
   Sub-Account                   2012    11,687,754    10.38 - 17.75     186,988,862    
                                 2011    11,855,614     8.94 - 15.09     160,839,221    
                                 2010    11,742,971     8.92 - 14.87     156,471,918    

LMPVET ClearBridge Variable      2014     8,268,721    42.06 - 56.87     426,519,441    
   Appreciation Sub-Account      2013     8,604,407    38.78 - 51.73     405,286,221    
                                 2012     7,908,912    30.52 - 40.17     290,191,379    
                                 2011     7,021,537    26.94 - 34.98     224,680,370    
                                 2010     5,515,253    26.87 - 34.42     173,626,503    

LMPVET ClearBridge Variable      2014     9,796,222    13.81 - 22.59     205,573,482    
   Equity Income Sub-Account     2013    10,244,154    12.44 - 20.09     191,169,653    
                                 2012     9,055,914    10.11 - 16.14     134,931,130    
                                 2011     8,013,455     9.06 - 14.28     103,322,855    
                                 2010     6,778,039    10.29 - 13.39      81,006,913    

LMPVET ClearBridge Variable      2014       200,379    21.16 - 24.18       4,631,601    
   Large Cap Growth Sub-Account  2013       242,954    18.99 - 21.53       5,012,390    
                                 2012       283,429    14.10 - 15.86       4,312,254    
                                 2011       363,040    11.99 - 13.38       4,673,796    
                                 2010       459,350    12.35 - 13.67       6,065,533    


                                                FOR THE YEAR ENDED DECEMBER 31          
                                       -------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                          INCOME          LOWEST TO         LOWEST TO   
                                         RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                       -------------  ----------------  ----------------
                                                                                        
Invesco V.I. Core Equity         2014       0.87               1.40                 6.64
   Sub-Account                   2013       1.36               1.40                27.45
                                 2012       0.91               1.40                12.29
                                 2011       0.92               1.40               (1.44)
                                 2010       0.95               1.40                 8.02

Invesco V.I. Equity and          2014       1.58        0.95 - 1.90          6.72 - 7.74
   Income Sub-Account            2013       1.54        0.95 - 1.90        22.54 - 23.71
                                 2012       1.85        0.95 - 1.90        10.26 - 11.32
                                 2011       1.69        0.95 - 1.90      (8.77) - (2.23)
                                 2010       1.92        0.95 - 1.90         9.92 - 10.97

Invesco V.I. Growth and          2014         --               1.40                 8.75
   Income Sub-Account            2013       1.31        0.95 - 1.90        31.25 - 32.50
                                 2012       1.36        0.95 - 1.90        12.18 - 13.26
                                 2011       1.13        0.95 - 1.90      (4.10) - (3.18)
                                 2010       0.09        0.95 - 1.90        10.09 - 11.13

Invesco V.I. International       2014       1.38        0.95 - 1.75      (1.65) - (0.86)
   Growth Sub-Account            2013       1.10        0.95 - 1.75        16.66 - 17.60
                                 2012       1.38        0.95 - 1.75        13.25 - 14.16
                                 2011       1.06        0.95 - 1.75      (8.60) - (7.87)
                                 2010       2.01        0.95 - 1.75        10.66 - 11.55

Ivy Funds VIP Asset Strategy     2014         --        1.10 - 1.35      (2.27) - (2.24)
   Sub-Account                                                                          
   (Commenced 11/19/2014)                                                               

LMPVET ClearBridge Variable      2014       0.17        0.95 - 2.30        17.66 - 19.26
   Aggressive Growth             2013       0.28        0.95 - 2.30        44.42 - 46.38
   Sub-Account                   2012       0.43        0.95 - 2.30        16.01 - 17.60
                                 2011       0.20        0.95 - 2.30          0.15 - 1.50
                                 2010       0.15        0.95 - 2.30        22.17 - 23.83

LMPVET ClearBridge Variable      2014       1.17        0.95 - 2.30          8.47 - 9.94
   Appreciation Sub-Account      2013       1.29        0.95 - 2.30        27.05 - 28.77
                                 2012       1.75        0.95 - 2.30        13.30 - 14.85
                                 2011       1.77        0.95 - 2.30          0.28 - 1.64
                                 2010       1.83        0.95 - 2.30        10.07 - 11.56

LMPVET ClearBridge Variable      2014       2.05        0.95 - 2.30        11.03 - 12.41
   Equity Income Sub-Account     2013       1.65        0.95 - 2.30        23.08 - 24.49
                                 2012       3.04        0.95 - 2.30        11.60 - 12.99
                                 2011       3.39        0.95 - 2.30        (2.15) - 6.69
                                 2010       4.09        0.95 - 1.90        10.01 - 11.06

LMPVET ClearBridge Variable      2014       0.48        1.50 - 2.30        11.40 - 12.29
   Large Cap Growth Sub-Account  2013       0.51        1.50 - 2.30        34.72 - 35.80
                                 2012       0.66        1.50 - 2.30        17.60 - 18.55
                                 2011       0.42        1.50 - 2.30      (2.91) - (2.12)
                                 2010       0.11        1.50 - 2.30          7.34 - 8.19

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                  
                                       ------------------------------------------------  
                                                          UNIT VALUE                     
                                                           LOWEST TO           NET       
                                           UNITS          HIGHEST ($)      ASSETS ($)    
                                       -------------  ----------------  ---------------  
                                                                                         
LMPVET ClearBridge Variable      2014        369,225     21.58 - 24.70        8,744,177  
   Large Cap Value Sub-Account   2013        319,601     19.77 - 22.45        6,892,954  
                                 2012        286,427     15.28 - 17.21        4,743,489  
                                 2011        265,335     13.42 - 15.00        3,836,359  
                                 2010        194,899     13.09 - 14.51        2,729,796  

LMPVET ClearBridge Variable      2014      4,105,606     23.02 - 32.61      115,942,801  
   Small Cap Growth Sub-Account  2013      4,102,827     22.63 - 31.63      112,499,020  
                                 2012      3,457,289     15.75 - 21.71       64,881,494  
                                 2011      2,686,955     13.50 - 18.35       42,564,777  
                                 2010      2,149,625     13.62 - 18.28       33,662,804  

LMPVET Permal Alternative        2014         64,025     10.01 - 10.02          641,034  
   Select VIT Portfolio                                                                  
   Sub-Account                                                                           
   (Commenced 11/19/2014)                                                                

LMPVET Variable Lifestyle        2014      1,866,299     20.59 - 24.41       42,335,472  
   Allocation 50% Sub-Account    2013      2,011,433     20.00 - 23.49       44,101,401  
                                 2012      1,699,443     17.68 - 20.56       32,620,028  
                                 2011      1,414,982     15.93 - 17.95       24,265,695  
                                 2010        769,522     16.05 - 17.94       13,086,823  

LMPVET Variable Lifestyle        2014         98,417     18.64 - 20.02        1,923,838  
   Allocation 70% Sub-Account    2013        121,395     18.11 - 19.37        2,304,999  
                                 2012        162,342     15.15 - 16.14        2,573,509  
                                 2011        219,583     13.47 - 14.30        3,086,943  
                                 2010        236,121     13.81 - 14.60        3,395,287  

LMPVET Variable Lifestyle        2014      4,529,329     18.63 - 22.09       92,760,220  
   Allocation 85% Sub-Account    2013      4,790,185     18.14 - 21.30       95,074,284  
                                 2012      5,015,187     14.61 - 17.00       79,817,339  
                                 2011      4,732,454     12.85 - 14.81       65,879,472  
                                 2010      4,289,092     13.41 - 15.30       62,035,149  

LMPVIT Western Asset             2014      4,320,147     20.11 - 25.19      100,641,688  
   Variable Global High Yield    2013      4,386,878     20.82 - 25.72      104,740,451  
   Bond Sub-Account              2012      4,039,328     20.05 - 24.44       91,771,912  
                                 2011      3,594,817     17.34 - 20.85       69,717,903  
                                 2010      3,170,899     17.44 - 20.70       61,092,507  

MFS VIT Investors Trust          2014          1,191              8.08            9,619  
   Sub-Account                   2013          3,517              7.38           25,951  
                                 2012          3,616              5.67           20,488  
                                 2011          7,050              4.82           33,994  
                                 2010          8,683              5.00           43,404  

MFS VIT New Discovery            2014          3,178             12.78           40,607  
   Sub-Account                   2013          3,294             13.97           46,020  
                                 2012          4,161             10.01           41,661  
                                 2011          4,939              8.38           41,374  
                                 2010          4,951              9.47           46,865  


                                                FOR THE YEAR ENDED DECEMBER 31           
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
LMPVET ClearBridge Variable      2014       1.96         1.50 - 2.30         9.17 - 10.05
   Large Cap Value Sub-Account   2013       1.77         1.50 - 2.30        29.36 - 30.40
                                 2012       2.37         1.50 - 2.30        13.84 - 14.76
                                 2011       2.82         1.50 - 2.30          2.57 - 3.39
                                 2010       3.02         1.50 - 2.30          6.98 - 7.83

LMPVET ClearBridge Variable      2014         --         0.95 - 2.30          1.71 - 3.09
   Small Cap Growth Sub-Account  2013       0.05         0.95 - 2.30        43.71 - 45.66
                                 2012       0.42         0.95 - 2.30        16.70 - 18.29
                                 2011         --         0.95 - 2.30        (0.91) - 0.43
                                 2010         --         0.95 - 2.30        22.34 - 24.00

LMPVET Permal Alternative        2014       0.57         1.10 - 1.60      (0.55) - (0.49)
   Select VIT Portfolio                                                                  
   Sub-Account                                                                           
   (Commenced 11/19/2014)                                                                

LMPVET Variable Lifestyle        2014       2.46         0.95 - 1.90          2.93 - 3.92
   Allocation 50% Sub-Account    2013       2.21         0.95 - 1.90        13.16 - 14.24
                                 2012       2.95         0.95 - 1.90        10.96 - 12.02
                                 2011       3.19         1.10 - 1.90        (0.73) - 0.07
                                 2010       4.10         1.10 - 1.90         6.21 - 12.65

LMPVET Variable Lifestyle        2014       1.74         1.50 - 1.90          2.93 - 3.34
   Allocation 70% Sub-Account    2013       1.41         1.50 - 1.90        19.53 - 20.01
                                 2012       2.16         1.50 - 1.90        12.43 - 12.88
                                 2011       1.88         1.50 - 1.90      (2.45) - (2.06)
                                 2010       2.04         1.50 - 1.90        12.84 - 13.30

LMPVET Variable Lifestyle        2014       1.77         0.95 - 1.90          2.72 - 3.70
   Allocation 85% Sub-Account    2013       1.66         0.95 - 1.90        24.12 - 25.30
                                 2012       1.84         0.95 - 1.90        13.70 - 14.79
                                 2011       1.55         0.95 - 1.90      (4.15) - (3.23)
                                 2010       1.73         0.95 - 1.90        13.52 - 14.60

LMPVIT Western Asset             2014       7.11         0.95 - 2.30      (3.40) - (2.09)
   Variable Global High Yield    2013       6.19         0.95 - 2.30          3.85 - 5.27
   Bond Sub-Account              2012       7.84         0.95 - 2.30        15.62 - 17.20
                                 2011       8.38         0.95 - 2.30        (0.59) - 0.75
                                 2010       9.47         0.95 - 2.30        12.31 - 13.83

MFS VIT Investors Trust          2014       0.61                1.40                 9.46
   Sub-Account                   2013       1.10                1.40                30.22
                                 2012       0.67                1.40                17.52
                                 2011       0.90                1.40               (3.54)
                                 2010       1.30                1.40                 9.56

MFS VIT New Discovery            2014         --                1.40               (8.55)
   Sub-Account                   2013         --                1.40                39.55
                                 2012         --                1.40                19.53
                                 2011         --                1.40              (11.51)
                                 2010         --                1.40                34.44

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                  
                                     --------------------------------------------     
                                                     UNIT VALUE                       
                                                      LOWEST TO           NET         
                                         UNITS       HIGHEST ($)      ASSETS ($)      
                                     ------------  ---------------  -------------     
                                                                                      
MFS VIT Research Sub-Account   2014         3,115             8.53         26,571     
                               2013         8,132             7.85         63,835     
                               2012         8,335             6.02         50,155     
                               2011         8,675             5.20         45,142     
                               2010        21,202             5.30        112,388     

MIST AllianceBernstein         2014   275,344,937    11.84 - 12.49  3,373,491,338     
   Global Dynamic Allocation   2013   286,256,086    11.32 - 11.74  3,313,674,192     
   Sub-Account                 2012   267,334,005    10.40 - 10.66  2,823,843,417     
   (Commenced 5/2/2011)        2011   168,434,681      9.68 - 9.75  1,639,379,077     

MIST Allianz Global Investors  2014    18,219,524     1.04 - 10.55     18,986,456     
   Dynamic Multi-Asset Plus                                                           
   Sub-Account                                                                        
   (Commenced 4/28/2014)                                                              

MIST American Funds            2014   264,143,945    12.26 - 13.41  3,417,834,574     
   Balanced Allocation         2013   276,830,535    11.83 - 12.78  3,430,387,038     
   Sub-Account                 2012   292,605,761    10.22 - 10.89  3,106,060,329     
                               2011   306,967,734      9.22 - 9.69  2,914,777,188     
                               2010   251,644,506     9.64 - 10.00  2,478,289,324     

MIST American Funds Growth     2014   142,940,560    12.29 - 13.37  1,852,260,667     
   Allocation Sub-Account      2013   147,794,512    11.83 - 12.67  1,828,322,375     
                               2012   149,020,463     9.68 - 10.24  1,496,665,592     
                               2011   159,224,115      8.53 - 8.92  1,398,390,722     
                               2010   155,386,301      9.17 - 9.47  1,454,861,016     

MIST American Funds Growth     2014    71,860,704     1.37 - 13.78    648,671,484     
   Sub-Account                 2013    59,593,818     1.29 - 12.90    632,386,636     
                               2012    54,812,434     9.59 - 10.07    545,665,799     
                               2011    64,256,598      8.36 - 8.69    553,292,806     
                               2010    52,406,611      8.97 - 9.23    480,253,525     

MIST American Funds            2014   137,310,606    12.03 - 13.16  1,744,157,123     
   Moderate Allocation         2013   147,773,215    11.61 - 12.53  1,796,366,977     
   Sub-Account                 2012   159,499,085    10.47 - 11.15  1,734,325,945     
                               2011   168,982,398     9.67 - 10.16  1,683,464,896     
                               2010   143,876,667     9.88 - 10.25  1,452,175,003     

MIST AQR Global Risk           2014   265,908,083    10.20 - 11.40  3,001,302,195     
   Balanced Sub-Account        2013   295,108,196     9.93 - 11.09  3,248,475,977     
   (Commenced 5/2/2011)        2012   324,843,850    10.42 - 11.61  3,753,309,463     
                               2011   179,038,392    10.54 - 10.62  1,898,124,083     

MIST BlackRock Global          2014   463,962,556    11.30 - 11.92  5,423,637,032     
   Tactical Strategies         2013   487,574,727    10.92 - 11.35  5,457,878,761     
   Sub-Account                 2012   471,913,542    10.13 - 10.38  4,856,824,935     
   (Commenced 5/2/2011)        2011   297,189,715      9.51 - 9.58  2,842,712,285     

MIST BlackRock High Yield      2014     9,596,910    15.21 - 28.99    238,215,887     
   Sub-Account                 2013    10,783,682    14.92 - 28.32    265,149,806     
                               2012    11,949,833    13.83 - 26.13    276,977,302     
                               2011    10,891,616    12.03 - 21.28    221,624,841     
                               2010     9,034,810    11.92 - 21.07    182,367,303     


                                               FOR THE YEAR ENDED DECEMBER 31         
                                     -------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                        INCOME          LOWEST TO         LOWEST TO   
                                       RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                     -------------  ----------------  ----------------
                                                                                      
MFS VIT Research Sub-Account   2014       0.79               1.40                 8.67
                               2013       0.33               1.40                30.45
                               2012       0.79               1.40                15.63
                               2011       0.72               1.40               (1.83)
                               2010       0.92               1.40                14.29

MIST AllianceBernstein         2014       1.94        0.90 - 2.35          0.77 - 6.39
   Global Dynamic Allocation   2013       1.28        0.90 - 2.35         8.56 - 10.15
   Sub-Account                 2012       0.10        0.90 - 2.35          3.45 - 8.82
   (Commenced 5/2/2011)        2011       0.87        1.15 - 2.25      (3.18) - (2.47)

MIST Allianz Global Investors  2014       0.92        1.15 - 2.00          0.71 - 4.55
   Dynamic Multi-Asset Plus                                                           
   Sub-Account                                                                        
   (Commenced 4/28/2014)                                                              

MIST American Funds            2014       1.27        1.00 - 2.35        (0.35) - 4.99
   Balanced Allocation         2013       1.37        1.00 - 2.35        15.78 - 17.35
   Sub-Account                 2012       1.69        1.00 - 2.35        10.88 - 12.39
                               2011       1.26        1.00 - 2.35      (4.39) - (3.10)
                               2010       1.01        1.00 - 2.35         9.55 - 11.05

MIST American Funds Growth     2014       1.03        1.10 - 2.35        (0.52) - 5.17
   Allocation Sub-Account      2013       1.00        1.15 - 2.35        22.20 - 23.68
                               2012       1.21        1.15 - 2.35        13.45 - 14.82
                               2011       1.10        1.15 - 2.35      (6.95) - (5.82)
                               2010       0.89        1.15 - 2.35        10.86 - 12.18

MIST American Funds Growth     2014       0.55        0.95 - 2.35          0.56 - 7.16
   Sub-Account                 2013       0.44        0.95 - 2.35        11.27 - 28.11
                               2012       0.33        1.30 - 2.35        14.67 - 15.89
                               2011       0.35        1.30 - 2.35      (6.81) - (5.83)
                               2010       0.20        1.30 - 2.35        15.57 - 16.79

MIST American Funds            2014       1.46        1.00 - 2.35        (0.26) - 5.04
   Moderate Allocation         2013       1.65        1.00 - 2.35        10.88 - 12.39
   Sub-Account                 2012       2.04        1.00 - 2.35          8.25 - 9.73
                               2011       1.54        1.00 - 2.35      (2.14) - (0.81)
                               2010       1.41        1.00 - 2.35          7.36 - 8.82

MIST AQR Global Risk           2014         --        0.90 - 2.35        (3.48) - 3.07
   Balanced Sub-Account        2013       2.09        0.90 - 2.35      (5.64) - (4.26)
   (Commenced 5/2/2011)        2012       0.44        0.90 - 2.35          3.72 - 9.29
                               2011       3.00        1.15 - 2.25          1.94 - 2.70

MIST BlackRock Global          2014       1.12        0.90 - 2.35        (0.16) - 4.97
   Tactical Strategies         2013       1.36        0.90 - 2.35          7.75 - 9.32
   Sub-Account                 2012         --        0.90 - 2.35          3.27 - 7.89
   (Commenced 5/2/2011)        2011       1.37        1.15 - 2.25      (4.84) - (4.14)

MIST BlackRock High Yield      2014       6.09        0.90 - 2.35        (1.88) - 2.37
   Sub-Account                 2013       7.02        0.90 - 2.35          6.79 - 8.35
                               2012       7.05        0.90 - 2.35         7.68 - 15.15
                               2011       6.52        1.20 - 2.35        (0.03) - 1.12
                               2010       5.88        1.20 - 2.35         5.99 - 14.28

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                   
                                    ---------------------------------------------     
                                                     UNIT VALUE                       
                                                      LOWEST TO          NET          
                                        UNITS        HIGHEST ($)     ASSETS ($)       
                                    ------------  ---------------  --------------     
                                                                                      
MIST Clarion Global Real      2014    17,245,897    17.00 - 72.26     330,178,643     
   Estate Sub-Account         2013    11,099,591    15.36 - 17.68     182,673,922     
                              2012    10,967,900    15.19 - 17.23     177,317,957     
                              2011    11,304,866    12.34 - 13.38     147,447,056     
                              2010     9,934,760    13.39 - 14.36     139,330,754     

MIST ClearBridge Aggressive   2014    38,472,258   12.71 - 214.41     586,572,505     
   Growth Sub-Account         2013    36,299,683    10.84 - 13.77     451,710,565     
                              2012    33,802,849      7.55 - 9.54     292,871,764     
                              2011    35,764,496      6.45 - 7.78     265,479,062     
                              2010    13,863,499      6.97 - 7.63     102,505,758     

MIST Goldman Sachs Mid Cap    2014     7,477,599    22.05 - 25.19     178,512,669     
   Value Sub-Account          2013     7,939,384    19.93 - 22.07     170,038,386     
                              2012     8,486,283    15.38 - 16.85     139,211,779     
                              2011     9,263,271    13.34 - 14.45     130,696,272     
                              2010     7,332,195    14.57 - 15.63     112,015,664     

MIST Harris Oakmark           2014    26,551,192    21.63 - 27.28     663,509,252     
   International Sub-Account  2013    25,769,452    23.43 - 29.23     693,983,244     
                              2012    25,722,293    18.33 - 22.61     538,939,254     
                              2011    28,033,038    14.49 - 17.04     461,860,538     
                              2010    23,589,953    17.23 - 20.14     459,739,197     

MIST Invesco Balanced-Risk    2014   758,894,714     1.07 - 11.10     832,374,445     
   Allocation Sub-Account     2013   800,860,953      1.04 - 1.06     843,160,697     
   (Commenced 4/30/2012)      2012   631,214,101      1.04 - 1.05     661,422,417     

MIST Invesco Comstock         2014    43,175,673    15.33 - 24.28     813,000,076     
   Sub-Account                2013    26,889,264    14.36 - 22.42     443,561,923     
                              2012    26,662,653    10.86 - 16.72     329,458,802     
                              2011    25,137,797     9.39 - 14.24     266,463,408     
                              2010    21,172,822     9.76 - 14.59     230,561,318     

MIST Invesco Mid Cap Value    2014     6,927,870    17.85 - 41.71     258,407,609     
   Sub-Account                2013     4,619,902    30.27 - 38.39     158,040,375     
                              2012     5,175,603    23.78 - 29.73     138,149,492     
                              2011     5,366,862    21.23 - 24.69     127,004,689     
                              2010     4,351,943    22.57 - 25.97     108,323,379     

MIST Invesco Small Cap        2014    11,824,275    23.77 - 29.28     308,642,273     
   Growth Sub-Account         2013    13,003,134    22.53 - 27.31     319,189,345     
                              2012    13,528,657    16.44 - 19.61     240,468,780     
                              2011    13,942,780    14.22 - 16.69     212,672,795     
                              2010    11,943,258    14.70 - 16.99     186,610,558     

MIST JPMorgan Core Bond       2014    32,404,332     9.89 - 11.15     355,237,960     
   Sub-Account                2013    29,439,490    10.12 - 10.75     311,869,932     
                              2012    31,242,391    10.69 - 11.23     346,492,447     
                              2011    32,528,572    10.43 - 10.84     349,346,240     
                              2010    26,655,400    10.10 - 10.38     274,791,792     


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                       INCOME          LOWEST TO          LOWEST TO   
                                      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                    -------------  ----------------  -----------------
                                                                                      
MIST Clarion Global Real      2014      1.03         0.90 - 2.35          1.03 - 12.25
   Estate Sub-Account         2013      6.85         0.90 - 2.35           1.14 - 2.62
                              2012      2.03         0.90 - 2.35          9.18 - 24.35
                              2011      3.80         1.30 - 2.35       (7.78) - (6.80)
                              2010      7.76         1.30 - 2.35         13.41 - 14.61

MIST ClearBridge Aggressive   2014      0.11         0.90 - 2.35          1.60 - 17.83
   Growth Sub-Account         2013      0.22         0.90 - 2.35         42.22 - 44.30
                              2012      0.02         0.90 - 2.35          3.28 - 17.38
                              2011        --         0.95 - 2.35         (9.34) - 1.91
                              2010        --         1.30 - 2.35         20.92 - 22.20

MIST Goldman Sachs Mid Cap    2014      0.54         1.10 - 2.35          2.29 - 11.77
   Value Sub-Account          2013      0.89         1.30 - 2.35         29.57 - 30.94
                              2012      0.59         1.30 - 2.35         15.36 - 16.58
                              2011      0.48         1.30 - 2.35       (8.46) - (7.50)
                              2010      0.92         1.30 - 2.35         21.35 - 22.63

MIST Harris Oakmark           2014      2.41         0.95 - 2.35         (7.98) - 0.25
   International Sub-Account  2013      2.44         0.95 - 2.35         27.46 - 29.26
                              2012      1.63         0.95 - 2.35         15.61 - 27.58
                              2011        --         1.30 - 2.35     (16.24) - (15.36)
                              2010      1.82         1.30 - 2.35         13.71 - 14.92

MIST Invesco Balanced-Risk    2014        --         0.90 - 2.35           0.40 - 4.63
   Allocation Sub-Account     2013        --         0.90 - 2.35         (0.50) - 0.95
   (Commenced 4/30/2012)      2012      0.55         0.90 - 2.35           3.03 - 4.04

MIST Invesco Comstock         2014      0.60         0.90 - 2.35           0.28 - 8.33
   Sub-Account                2013      1.07         0.90 - 2.35         32.25 - 34.18
                              2012      1.22         0.90 - 2.35          5.55 - 17.40
                              2011      1.09         0.95 - 2.35       (3.76) - (2.39)
                              2010      1.45         0.95 - 2.35         12.19 - 13.80

MIST Invesco Mid Cap Value    2014      0.33         0.90 - 2.35           1.20 - 8.70
   Sub-Account                2013      0.74         0.90 - 2.35         27.28 - 29.14
                              2012      0.40         0.90 - 2.35          2.26 - 13.21
                              2011      0.51         1.30 - 2.35       (5.93) - (4.94)
                              2010      0.55         1.30 - 2.35         22.62 - 23.91

MIST Invesco Small Cap        2014        --         0.89 - 2.35           1.89 - 7.22
   Growth Sub-Account         2013      0.23         0.89 - 2.35         36.92 - 39.29
                              2012        --         0.89 - 2.35         15.47 - 17.45
                              2011        --         0.89 - 2.35       (3.37) - (1.73)
                              2010        --         0.89 - 2.35         23.26 - 25.35

MIST JPMorgan Core Bond       2014      1.42         1.10 - 2.20           0.48 - 3.73
   Sub-Account                2013      0.28         1.30 - 2.35       (5.04) - (4.05)
                              2012      2.57         1.30 - 2.35           2.47 - 3.55
                              2011      2.09         1.30 - 2.35           3.34 - 4.42
                              2010      1.64         1.30 - 2.35           3.63 - 4.73

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                   
                                     ---------------------------------------------     
                                                     UNIT VALUE                        
                                                      LOWEST TO           NET          
                                         UNITS       HIGHEST ($)      ASSETS ($)       
                                     ------------  ---------------  --------------     
                                                                                       
MIST JPMorgan Global Active    2014   747,266,184     1.18 - 12.14     905,975,458     
   Allocation Sub-Account      2013   649,853,969      1.13 - 1.16     746,849,717     
   (Commenced 4/30/2012)       2012   269,034,003      1.04 - 1.05     282,572,135     

MIST JPMorgan Small Cap        2014     1,417,944    18.69 - 20.92      27,932,500     
   Value Sub-Account           2013     1,455,583    18.28 - 20.23      27,866,566     
                               2012     1,643,159    14.04 - 15.36      24,014,976     
                               2011     1,650,824    12.42 - 13.17      21,224,281     
                               2010     1,677,961    14.14 - 14.87      24,426,974     

MIST Loomis Sayles Global      2014    10,444,732    15.85 - 17.90     177,351,030     
   Markets Sub-Account         2013    10,842,823    15.69 - 17.47     180,595,781     
                               2012    12,318,466    13.71 - 14.91     177,780,410     
                               2011    13,161,956    12.01 - 12.74     165,018,207     
                               2010    10,620,691    12.48 - 13.10     137,171,845     

MIST Lord Abbett Bond          2014     8,190,115    10.35 - 33.68     234,576,558     
   Debenture Sub-Account       2013     9,341,018     9.99 - 32.33     259,294,487     
                               2012    10,178,078     9.36 - 30.15     266,010,291     
                               2011    10,848,076     8.39 - 26.88     255,107,548     
                               2010    11,708,304     8.12 - 25.87     267,920,695     

MIST Met/Eaton Vance           2014     6,743,439    10.59 - 11.23      73,909,210     
   Floating Rate Sub-Account   2013     7,519,969    10.76 - 11.18      83,115,837     
   (Commenced 5/3/2010)        2012     5,007,151    10.61 - 10.91      54,197,004     
                               2011     4,263,176    10.13 - 10.30      43,696,769     
                               2010     1,600,145    10.16 - 10.23      16,334,315     

MIST Met/Franklin Low          2014    17,421,682     9.65 - 10.18     173,124,917     
   Duration Total Return       2013    14,050,793     9.78 - 10.16     140,307,146     
   Sub-Account                 2012     4,349,231     9.92 - 10.14      43,609,944     
   (Commenced 5/2/2011)        2011     2,835,514      9.70 - 9.78      27,661,832     

MIST Met/Templeton             2014     3,537,497    12.87 - 13.66      47,183,875     
   International Bond          2013     3,905,329    13.00 - 13.53      52,286,139     
   Sub-Account                 2012     4,238,395    13.19 - 13.56      57,001,253     
                               2011     4,276,073    11.74 - 12.02      51,093,268     
                               2010     2,982,596    12.04 - 12.22      36,302,425     

MIST MetLife Asset             2014    39,915,870    14.91 - 17.28     641,574,794     
   Allocation 100 Sub-Account  2013    42,451,280    14.53 - 16.59     659,971,504     
                               2012    44,655,767    11.48 - 12.93     545,044,070     
                               2011    49,390,389    10.07 - 10.98     524,691,864     
                               2010    45,689,702    10.94 - 11.78     522,967,837     

MIST MetLife Balanced Plus     2014   569,859,186    12.32 - 13.00   7,268,454,132     
   Sub-Account                 2013   547,096,627    11.51 - 11.96   6,454,726,976     
   (Commenced 5/2/2011)        2012   438,994,467    10.30 - 10.55   4,593,209,415     
                               2011   257,076,022      9.33 - 9.40   2,411,774,661     

MIST MetLife Multi-Index       2014   281,516,918     1.19 - 12.18     421,513,955     
   Targeted Risk Sub-Account   2013   153,950,143     1.12 - 11.26     209,957,052     
   (Commenced 11/12/2012)      2012    11,094,386             1.01      11,247,979     


                                               FOR THE YEAR ENDED DECEMBER 31          
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
MIST JPMorgan Global Active    2014       1.13        0.90 - 2.35           0.35 - 6.02
   Allocation Sub-Account      2013       0.08        0.90 - 2.35           8.41 - 9.99
   (Commenced 4/30/2012)       2012       0.73        0.90 - 2.35           3.02 - 4.03

MIST JPMorgan Small Cap        2014       1.07        0.90 - 2.30           2.28 - 3.89
   Value Sub-Account           2013       0.69        0.90 - 2.30         30.22 - 31.71
                               2012       0.84        0.90 - 2.30          2.73 - 13.98
                               2011       1.69        1.20 - 2.30     (12.17) - (11.43)
                               2010       0.82        1.20 - 2.30         16.82 - 17.83

MIST Loomis Sayles Global      2014       2.08        0.95 - 2.35         (0.82) - 2.49
   Markets Sub-Account         2013       2.41        0.95 - 2.35         14.41 - 16.02
                               2012       2.32        1.10 - 2.35          2.75 - 15.41
                               2011       2.32        1.30 - 2.35       (3.77) - (2.75)
                               2010       2.99        1.30 - 2.35         19.18 - 20.43

MIST Lord Abbett Bond          2014       5.67        0.89 - 2.35         (0.50) - 4.19
   Debenture Sub-Account       2013       6.62        0.89 - 2.35           5.47 - 7.21
                               2012       7.20        0.89 - 2.35          5.77 - 12.18
                               2011       5.92        0.89 - 2.35           2.04 - 3.90
                               2010       6.21        0.89 - 2.35         10.34 - 12.18

MIST Met/Eaton Vance           2014       3.65        1.10 - 2.35       (1.60) - (0.57)
   Floating Rate Sub-Account   2013       3.38        1.30 - 2.35           1.42 - 2.50
   (Commenced 5/3/2010)        2012       3.39        1.30 - 2.35           4.83 - 5.94
                               2011       1.99        1.30 - 2.30         (0.31) - 0.69
                               2010         --        1.30 - 2.30           1.64 - 2.31

MIST Met/Franklin Low          2014       2.15        0.90 - 2.35         (1.29) - 0.15
   Duration Total Return       2013       1.07        0.90 - 2.35         (1.19) - 0.25
   Sub-Account                 2012       1.91        0.90 - 2.20           1.17 - 3.15
   (Commenced 5/2/2011)        2011         --        1.20 - 2.35       (2.83) - (2.08)

MIST Met/Templeton             2014       4.63        1.10 - 2.15       (2.28) - (0.17)
   International Bond          2013       2.02        1.30 - 2.15       (1.11) - (0.27)
   Sub-Account                 2012      10.26        1.30 - 2.05         11.96 - 12.80
                               2011       6.86        1.30 - 2.20       (2.49) - (1.61)
                               2010       0.51        1.30 - 2.20         11.07 - 12.08

MIST MetLife Asset             2014       0.71        0.90 - 2.35           0.05 - 4.15
   Allocation 100 Sub-Account  2013       0.75        0.90 - 2.35         26.50 - 28.35
                               2012       0.64        0.90 - 2.35          2.91 - 15.40
                               2011       1.10        1.15 - 2.35       (7.96) - (6.85)
                               2010       1.18        1.15 - 2.35         13.80 - 15.17

MIST MetLife Balanced Plus     2014       1.75        0.90 - 2.35           0.70 - 8.67
   Sub-Account                 2013       1.19        0.90 - 2.35         11.71 - 13.34
   (Commenced 5/2/2011)        2012         --        0.90 - 2.35          4.67 - 11.81
                               2011       0.27        1.15 - 2.25       (6.68) - (6.00)

MIST MetLife Multi-Index       2014         --        1.15 - 2.25           0.83 - 8.01
   Targeted Risk Sub-Account   2013       0.55        1.15 - 2.25          4.04 - 11.65
   (Commenced 11/12/2012)      2012         --        1.15 - 2.00           2.56 - 2.68

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                  
                                     ----------------------------------------------    
                                                      UNIT VALUE                       
                                                       LOWEST TO           NET         
                                         UNITS        HIGHEST ($)      ASSETS ($)      
                                     ------------  ----------------  --------------    
                                                                                       
MIST MetLife Small Cap         2014    12,299,087     21.73 - 26.68     291,013,900    
   Value Sub-Account           2013    13,992,716     21.87 - 26.40     330,701,962    
                               2012    15,859,523     16.91 - 20.06     287,540,317    
                               2011    18,611,699     14.67 - 17.11     290,532,427    
                               2010    18,793,984     16.49 - 18.91     327,520,477    

MIST MFS Emerging Markets      2014    42,182,331      9.40 - 11.38     425,619,386    
   Equity Sub-Account          2013    41,623,177     10.29 - 12.45     456,076,892    
                               2012    38,352,212     11.09 - 13.41     448,693,258    
                               2011    37,004,554      9.55 - 11.54     369,675,163    
                               2010    29,287,659     12.03 - 14.53     365,169,255    

MIST MFS Research              2014    18,585,662     14.00 - 18.24     287,913,009    
   International Sub-Account   2013    19,616,483     15.39 - 18.44     331,488,461    
                               2012    21,667,563     13.21 - 15.60     311,615,422    
                               2011    22,841,018     11.58 - 13.42     285,814,827    
                               2010    22,399,698     13.27 - 15.17     318,521,626    

MIST Morgan Stanley Mid Cap    2014    12,928,550      2.79 - 25.03     240,528,688    
   Growth Sub-Account          2013    13,099,903      2.79 - 24.94     244,579,234    
                               2012    12,225,316      2.03 - 18.06     166,100,095    
                               2011     8,735,505      1.88 - 16.63     109,412,403    
                               2010     6,606,286      2.04 - 17.98      89,015,672    

MIST Oppenheimer Global        2014     2,866,078     21.68 - 27.83      72,350,999    
   Equity Sub-Account          2013     3,127,720     21.72 - 27.49      78,398,573    
                               2012       500,711     18.48 - 21.83       9,983,469    
                               2011       559,531     15.55 - 17.64       9,330,001    
                               2010       608,969     17.31 - 19.88      11,272,119    

MIST PanAgora Global           2014     9,788,108      1.03 - 10.44      10,161,644    
   Diversified Risk Sub-Account                                                        
   (Commenced 4/28/2014)                                                               

MIST PIMCO Inflation           2014    50,751,209     13.20 - 15.63     732,596,404    
   Protected Bond Sub-Account  2013    57,648,505     13.13 - 15.33     821,456,089    
                               2012    64,013,091     14.82 - 17.05   1,021,039,296    
                               2011    63,087,877     13.90 - 15.36     936,595,819    
                               2010    52,467,468     12.81 - 13.99     711,162,874    

MIST PIMCO Total Return        2014   103,504,587     12.40 - 19.84   1,787,038,026    
   Sub-Account                 2013   118,419,838     12.03 - 19.16   1,993,786,948    
                               2012   128,302,689     12.42 - 19.67   2,234,370,461    
                               2011   132,311,947     11.50 - 18.11   2,140,758,433    
                               2010   111,149,390     11.27 - 17.67   1,761,602,464    

MIST Pioneer Fund              2014    12,549,377      2.83 - 30.99     305,917,464    
   Sub-Account                 2013    12,432,551      2.58 - 28.13     297,755,670    
                               2012    11,331,680      9.91 - 21.33     220,043,655    
                               2011     9,480,402      9.11 - 19.29     168,467,083    
                               2010     5,977,317     16.24 - 20.40     112,914,666    


                                               FOR THE YEAR ENDED DECEMBER 31          
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
MIST MetLife Small Cap         2014       0.04        0.89 - 2.35         (0.65) - 1.06
   Value Sub-Account           2013       0.99        0.89 - 2.35         29.37 - 31.64
                               2012         --        0.89 - 2.35         15.23 - 17.22
                               2011       1.10        0.89 - 2.35      (11.09) - (9.50)
                               2010       1.17        0.89 - 2.35         17.11 - 19.08

MIST MFS Emerging Markets      2014       0.84        0.90 - 2.35       (8.69) - (4.92)
   Equity Sub-Account          2013       1.07        0.90 - 2.35       (7.19) - (5.83)
                               2012       0.75        0.90 - 2.35          3.96 - 17.77
                               2011       1.39        0.95 - 2.35     (20.59) - (19.48)
                               2010       0.97        0.95 - 2.35         20.79 - 22.49

MIST MFS Research              2014       2.24        0.89 - 2.35       (9.11) - (3.46)
   International Sub-Account   2013       2.58        0.90 - 2.35         16.49 - 18.19
                               2012       1.89        0.90 - 2.35          6.35 - 15.60
                               2011       1.88        0.95 - 2.35     (12.79) - (11.56)
                               2010       1.70        0.95 - 2.35          8.83 - 10.35

MIST Morgan Stanley Mid Cap    2014         --        0.89 - 2.30         (1.40) - 0.39
   Growth Sub-Account          2013       0.60        0.89 - 2.30         35.86 - 38.07
                               2012         --        0.89 - 2.30         (4.93) - 8.58
                               2011       0.56        0.89 - 2.30       (9.04) - (7.49)
                               2010       0.01        0.89 - 2.30         17.15 - 30.84

MIST Oppenheimer Global        2014       0.82        0.90 - 2.30         (0.31) - 1.23
   Equity Sub-Account          2013       0.35        0.90 - 2.30         24.22 - 25.97
                               2012       1.40        0.90 - 1.95          8.80 - 19.84
                               2011       1.79        0.95 - 1.95      (10.17) - (9.41)
                               2010       1.34        0.95 - 1.95         13.69 - 14.83

MIST PanAgora Global           2014       0.46        1.15 - 2.00         (0.35) - 3.75
   Diversified Risk Sub-Account                                                        
   (Commenced 4/28/2014)                                                               

MIST PIMCO Inflation           2014       1.54        0.90 - 2.35         (1.54) - 1.97
   Protected Bond Sub-Account  2013       2.20        0.90 - 2.35     (11.38) - (10.09)
                               2012       3.02        0.90 - 2.35           4.22 - 7.82
                               2011       1.62        1.20 - 2.35           8.56 - 9.82
                               2010       2.23        1.20 - 2.35           5.26 - 6.48

MIST PIMCO Total Return        2014       2.34        0.89 - 2.35           0.40 - 3.56
   Sub-Account                 2013       4.27        0.89 - 2.35       (4.19) - (2.59)
                               2012       3.13        0.89 - 2.35           4.10 - 8.58
                               2011       2.62        0.89 - 2.35         (0.31) - 2.51
                               2010       3.20        0.89 - 2.35           5.65 - 7.45

MIST Pioneer Fund              2014       1.66        0.90 - 2.35          1.00 - 10.16
   Sub-Account                 2013       3.15        0.90 - 2.30          9.33 - 31.88
                               2012       1.45        0.90 - 2.30           0.85 - 9.54
                               2011       1.11        0.95 - 2.30      (11.94) - (5.45)
                               2010       0.78        0.95 - 2.30         13.47 - 15.12

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                 AS OF DECEMBER 31                   
                                   ---------------------------------------------     
                                                    UNIT VALUE                       
                                                     LOWEST TO          NET          
                                       UNITS        HIGHEST ($)     ASSETS ($)       
                                   ------------  ---------------  --------------     
                                                                                     
MIST Pioneer Strategic       2014    54,471,343     2.60 - 32.57     943,852,832     
   Income Sub-Account        2013    41,450,021     2.53 - 31.43     919,328,857     
                             2012    29,638,373    13.34 - 31.23     804,777,040     
                             2011    24,444,162    12.25 - 27.99     600,261,549     
                             2010    17,115,149    12.17 - 27.26     419,601,867     

MIST Pyramis Government      2014    62,286,953    10.55 - 11.13     680,446,278     
   Income Sub-Account        2013    69,488,361    10.04 - 10.44     715,739,557     
   (Commenced 5/2/2011)      2012    88,599,553    10.77 - 11.03     968,887,238     
                             2011    45,618,019    10.69 - 10.77     490,473,351     

MIST Pyramis Managed Risk    2014    14,204,266    11.35 - 11.58     163,513,389     
   Sub-Account               2013     7,294,047    10.69 - 10.77      78,417,229     
   (Commenced 4/29/2013)                                                             

MIST Schroders Global        2014   400,460,215     1.20 - 12.36     493,380,979     
   Multi-Asset Sub-Account   2013   375,261,358      1.14 - 1.17     435,205,689     
   (Commenced 4/30/2012)     2012   179,641,654      1.06 - 1.07     191,885,161     

MIST SSgA Growth and Income  2014   101,616,119    13.79 - 15.77   1,513,705,632     
   ETF Sub-Account           2013   110,435,377    13.34 - 15.03   1,578,178,677     
                             2012   118,446,237    12.09 - 13.24   1,521,502,479     
                             2011   120,297,977    10.97 - 11.83   1,390,741,062     
                             2010    85,827,962    11.20 - 11.84     995,772,752     

MIST SSgA Growth ETF         2014    34,092,389    13.66 - 15.62     501,804,705     
   Sub-Account               2013    35,919,224    13.27 - 14.96     509,607,858     
                             2012    36,733,044    11.51 - 12.55     448,167,959     
                             2011    37,984,453    10.24 - 11.04     409,132,829     
                             2010    29,136,066    10.71 - 11.41     325,453,346     

MIST T. Rowe Price Large     2014    13,521,347   40.58 - 144.85     838,816,422     
   Cap Value Sub-Account     2013    11,320,980   38.18 - 128.69     657,944,319     
                             2012    12,231,249    28.88 - 96.83     536,790,380     
                             2011    13,446,503    24.76 - 82.60     507,039,092     
                             2010    14,212,118    26.09 - 86.60     558,423,606     

MIST T. Rowe Price Mid Cap   2014    32,310,271    15.06 - 17.30     537,586,208     
   Growth Sub-Account        2013    37,965,912    13.67 - 15.54     568,882,747     
                             2012    41,941,697    10.24 - 11.53     467,536,275     
                             2011    44,089,511     9.22 - 10.28     439,146,325     
                             2010    40,356,445     9.67 - 10.58     414,850,131     

MIST WMC Large Cap Research  2014     1,151,671    13.60 - 16.68      17,260,395     
   Sub-Account               2013     1,260,254    12.25 - 14.84      16,869,650     
                             2012     1,423,242     9.34 - 11.16      14,439,147     
                             2011     1,414,721      8.42 - 9.34      12,849,849     
                             2010     1,044,239      8.60 - 9.47       9,613,588     

MSF Baillie Gifford          2014    27,573,117     4.31 - 14.37     269,502,431     
   International Stock       2013    29,549,817     4.51 - 15.12     303,453,047     
   Sub-Account               2012       219,106     3.96 - 13.35       2,585,607     
                             2011       282,028     3.36 - 11.37       2,803,543     
                             2010       318,412     4.26 - 14.47       3,979,701     


                                             FOR THE YEAR ENDED DECEMBER 31          
                                   --------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                      INCOME          LOWEST TO          LOWEST TO   
                                     RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                   -------------  ----------------  -----------------
                                                                                     
MIST Pioneer Strategic       2014      4.98         0.90 - 2.35         (0.93) - 3.65
   Income Sub-Account        2013      4.82         0.90 - 2.35         (0.94) - 1.21
                             2012      4.73         0.90 - 2.35          6.09 - 10.56
                             2011      4.36         0.95 - 2.35           1.06 - 2.65
                             2010      4.58         0.95 - 2.20          5.21 - 11.12

MIST Pyramis Government      2014      2.60         0.90 - 2.35           0.96 - 6.59
   Income Sub-Account        2013      1.55         0.90 - 2.35       (6.74) - (5.37)
   (Commenced 5/2/2011)      2012      0.02         0.90 - 2.35           0.74 - 1.96
                             2011      0.89         1.15 - 2.25           6.96 - 7.75

MIST Pyramis Managed Risk    2014        --         1.10 - 2.25           0.98 - 7.40
   Sub-Account               2013      1.65         1.15 - 2.25           4.66 - 5.43
   (Commenced 4/29/2013)                                                             

MIST Schroders Global        2014      1.32         0.90 - 2.35           0.43 - 6.77
   Multi-Asset Sub-Account   2013      0.01         0.90 - 2.35           7.55 - 9.12
   (Commenced 4/30/2012)     2012      1.49         0.90 - 2.35           5.01 - 6.03

MIST SSgA Growth and Income  2014      2.24         0.90 - 2.35         (0.03) - 4.86
   ETF Sub-Account           2013      2.51         0.90 - 2.35         10.31 - 11.92
                             2012      2.40         1.10 - 2.35          4.01 - 11.55
                             2011      1.70         1.15 - 2.35       (1.29) - (0.09)
                             2010      1.05         1.15 - 2.20          9.80 - 10.96

MIST SSgA Growth ETF         2014      1.88         0.90 - 2.35         (0.05) - 4.43
   Sub-Account               2013      2.10         0.90 - 2.35         15.33 - 17.01
                             2012      1.96         1.15 - 2.35          4.38 - 13.71
                             2011      1.56         1.15 - 2.35       (4.40) - (3.24)
                             2010      1.35         1.15 - 2.35         11.50 - 12.85

MIST T. Rowe Price Large     2014      1.18         0.89 - 2.35          1.20 - 12.56
   Cap Value Sub-Account     2013      1.58         0.89 - 2.35         30.67 - 32.90
                             2012      1.50         0.89 - 2.35          6.92 - 17.22
                             2011      0.70         0.89 - 2.35       (6.24) - (4.62)
                             2010      1.11         0.89 - 2.35         14.30 - 16.29

MIST T. Rowe Price Mid Cap   2014        --         1.30 - 2.35         10.16 - 11.32
   Growth Sub-Account        2013      0.21         1.30 - 2.35         33.41 - 34.82
                             2012        --         1.30 - 2.35         11.03 - 12.21
                             2011        --         1.30 - 2.35       (3.93) - (2.92)
                             2010        --         1.30 - 2.35         24.72 - 26.05

MIST WMC Large Cap Research  2014      0.80         0.90 - 2.30          1.80 - 12.40
   Sub-Account               2013      1.28         0.90 - 2.30         31.12 - 32.97
                             2012      1.07         0.90 - 2.30        (0.27) - 11.75
                             2011      0.92         1.55 - 2.30       (2.06) - (1.33)
                             2010      1.06         1.55 - 2.30         10.01 - 10.85

MSF Baillie Gifford          2014      1.26         1.30 - 2.25       (5.49) - (1.36)
   International Stock       2013      0.02         1.30 - 2.25          9.68 - 13.94
   Sub-Account               2012      1.14         1.40 - 1.90         17.11 - 17.85
                             2011      1.60         1.40 - 1.90     (21.63) - (20.99)
                             2010      1.41         1.40 - 1.90           4.85 - 5.74

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                                [Download Table]

                                                 AS OF DECEMBER 31                  
                                   ---------------------------------------------    
                                                    UNIT VALUE                      
                                                     LOWEST TO          NET         
                                       UNITS        HIGHEST ($)     ASSETS ($)      
                                   ------------  ---------------  --------------    
                                                                                    
MSF Barclays Aggregate Bond  2014    16,099,701     1.79 - 19.11     213,475,999    
   Index Sub-Account         2013    13,536,937     1.71 - 18.22     162,571,849    
                             2012    10,756,748     1.78 - 18.82     151,553,766    
                             2011     8,083,366     1.73 - 18.28     130,173,979    
                             2010     5,646,137    14.02 - 17.15      86,674,964    

MSF BlackRock Bond Income    2014     1,105,752    46.87 - 76.43      63,615,045    
   Sub-Account               2013     1,054,348    44.86 - 72.01      57,251,907    
                             2012     1,045,629    46.32 - 73.22      57,888,933    
                             2011       953,075    44.15 - 68.69      49,538,985    
                             2010       952,834    42.45 - 65.04      47,336,145    

MSF BlackRock Capital        2014       639,908    16.88 - 52.46      14,686,428    
   Appreciation Sub-Account  2013       721,215    15.83 - 48.60      15,272,342    
                             2012       745,728    12.04 - 36.54      11,831,610    
                             2011       814,200    10.75 - 32.23      11,348,650    
                             2010       601,185    12.06 - 35.71       9,563,155    

MSF BlackRock Large Cap      2014       229,967    17.66 - 19.31       4,201,564    
   Value Sub-Account         2013       225,190    16.80 - 17.73       3,792,926    
                             2012       230,438    12.89 - 13.54       2,977,532    
                             2011       252,494    11.44 - 11.96       2,890,664    
                             2010       253,453    11.33 - 11.79       2,872,585    

MSF BlackRock Money Market   2014    39,068,482     2.33 - 25.65     395,886,367    
   Sub-Account               2013    44,329,198     2.36 - 25.88     461,342,890    
                             2012    53,484,009     9.33 - 25.53     569,109,901    
                             2011    59,067,302     9.55 - 25.84     633,625,012    
                             2010    51,015,018     9.77 - 26.15     553,885,805    

MSF Frontier Mid Cap Growth  2014     4,248,372    17.69 - 19.79      81,297,538    
   Sub-Account               2013     4,767,721    16.33 - 18.08      83,651,163    
   (Commenced 4/29/2013)                                                            

MSF Jennison Growth          2014    27,528,387     4.22 - 21.36     529,020,323    
   Sub-Account               2013    32,574,197     3.93 - 19.82     585,624,219    
                             2012    35,125,323     2.91 - 14.55     468,764,846    
                             2011    20,877,221     2.55 - 12.29     248,172,110    
                             2010    20,230,170     2.57 - 12.42     243,817,657    

MSF Loomis Sayles Small Cap  2014       261,060    46.83 - 58.80      13,706,471    
   Core Sub-Account          2013       283,327    46.30 - 57.49      14,610,773    
                             2012       330,015    33.68 - 41.36      12,332,225    
                             2011       310,374    30.16 - 36.63      10,317,247    
                             2010       214,307    30.76 - 36.95       7,224,075    

MSF Loomis Sayles Small Cap  2014        16,302    17.05 - 18.51         293,433    
   Growth Sub-Account        2013        12,506    17.15 - 18.50         226,802    
   (Commenced 4/30/2012)     2012         3,306    11.73 - 12.58          40,927    

MSF Met/Artisan Mid Cap      2014    11,205,267    19.30 - 55.59     244,385,523    
   Value Sub-Account         2013    13,125,790    19.41 - 55.03     285,771,010    
                             2012    13,419,571    14.54 - 40.57     217,257,576    
                             2011    14,599,235    13.33 - 36.59     215,514,020    
                             2010    15,163,945    12.80 - 34.58     213,857,206    


                                            FOR THE YEAR ENDED DECEMBER 31          
                                   -------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                      INCOME          LOWEST TO         LOWEST TO   
                                     RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                   -------------  ----------------  ----------------
                                                                                    
MSF Barclays Aggregate Bond  2014      2.62         0.89 - 2.35          0.54 - 4.87
   Index Sub-Account         2013      3.23         0.89 - 2.25      (4.74) - (3.19)
                             2012      3.45         0.89 - 2.25          1.27 - 2.98
                             2011      3.22         0.89 - 2.25          4.77 - 6.56
                             2010      2.64         0.89 - 2.25          3.30 - 5.11

MSF BlackRock Bond Income    2014      3.22         0.89 - 2.30          0.85 - 6.14
   Sub-Account               2013      3.83         0.89 - 2.30      (3.17) - (1.65)
                             2012      2.54         0.89 - 2.30          3.74 - 6.59
                             2011      3.84         0.89 - 2.30          4.00 - 5.62
                             2010      3.77         0.89 - 2.30          5.72 - 7.38

MSF BlackRock Capital        2014      0.06         0.89 - 2.30          0.94 - 7.93
   Appreciation Sub-Account  2013      0.79         0.89 - 2.30        31.17 - 33.03
                             2012      0.32         0.89 - 2.30       (0.88) - 13.35
                             2011      0.17         0.89 - 2.30     (11.01) - (9.75)
                             2010      0.22         0.89 - 2.30        17.10 - 18.76

MSF BlackRock Large Cap      2014      1.26         0.89 - 1.35          1.39 - 8.95
   Value Sub-Account         2013      1.38         0.89 - 1.35        30.28 - 30.88
                             2012      1.61         0.89 - 1.35        12.74 - 13.27
                             2011      1.16         0.89 - 1.35          0.97 - 1.44
                             2010      1.09         0.89 - 1.35          7.75 - 8.26

MSF BlackRock Money Market   2014        --         0.90 - 2.35      (2.32) - (0.13)
   Sub-Account               2013        --         0.90 - 2.35      (2.32) - (0.37)
                             2012        --         0.95 - 2.35      (2.34) - (0.74)
                             2011        --         0.95 - 2.35      (2.32) - (0.94)
                             2010        --         0.95 - 2.35      (2.32) - (0.64)

MSF Frontier Mid Cap Growth  2014        --         1.30 - 2.35          8.30 - 9.44
   Sub-Account               2013        --         1.30 - 2.35        19.21 - 20.07
   (Commenced 4/29/2013)                                                            

MSF Jennison Growth          2014      0.04         0.90 - 2.35        (0.16) - 7.81
   Sub-Account               2013      0.20         0.90 - 2.35        33.56 - 35.51
                             2012      0.01         0.95 - 2.35       (4.12) - 14.17
                             2011      0.06         1.30 - 2.35      (2.11) - (0.86)
                             2010      0.38         1.30 - 2.35         8.74 - 10.07

MSF Loomis Sayles Small Cap  2014        --         1.20 - 2.30          1.15 - 2.27
   Core Sub-Account          2013      0.23         1.20 - 2.30        37.49 - 39.01
                             2012        --         1.20 - 2.30        11.66 - 12.90
                             2011        --         1.20 - 2.30      (1.94) - (0.86)
                             2010        --         1.20 - 2.30        24.32 - 25.69

MSF Loomis Sayles Small Cap  2014        --         0.90 - 1.50        (0.57) - 0.03
   Growth Sub-Account        2013        --         0.90 - 1.50        46.17 - 47.05
   (Commenced 4/30/2012)     2012        --         0.90 - 1.50      (1.28) - (0.88)

MSF Met/Artisan Mid Cap      2014      0.55         0.89 - 2.35        (0.69) - 1.02
   Value Sub-Account         2013      0.77         0.89 - 2.35        33.34 - 35.64
                             2012      0.80         0.89 - 2.35         8.98 - 10.87
                             2011      0.79         0.89 - 2.35          4.02 - 5.81
                             2010      0.59         0.89 - 2.35        12.09 - 14.02

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                   
                                      --------------------------------------------      
                                                      UNIT VALUE                        
                                                       LOWEST TO           NET          
                                          UNITS       HIGHEST ($)      ASSETS ($)       
                                      ------------  ---------------  -------------      
                                                                                        
MSF Met/Dimensional             2014     3,070,324    18.13 - 19.77     58,174,088      
   International Small Company  2013     3,208,551    19.88 - 21.38     66,162,419      
   Sub-Account                  2012     3,203,412    15.91 - 16.90     52,618,293      
                                2011     3,336,605    13.82 - 14.29     47,225,164      
                                2010     2,082,274    16.89 - 17.28     35,750,236      

MSF MetLife Asset               2014     2,973,577    13.22 - 15.00     41,687,543      
   Allocation 20 Sub-Account    2013       557,035    12.93 - 13.63      7,497,408      
                                2012       735,694    12.67 - 13.27      9,655,026      
                                2011       850,770    11.86 - 12.35     10,395,348      
                                2010       830,223    11.74 - 12.15      9,998,191      

MSF MetLife Asset               2014   341,017,115    13.43 - 15.56  4,991,456,808      
   Allocation 40 Sub-Account    2013       550,896    13.60 - 14.27      7,732,376      
                                2012       588,986    12.52 - 13.07      7,576,787      
                                2011       608,383    11.48 - 11.91      7,143,945      
                                2010       782,775    11.60 - 11.97      9,257,856      

MSF MetLife Asset               2014   489,838,225    14.27 - 19.73  7,527,991,156      
   Allocation 60 Sub-Account    2013     3,073,122    13.90 - 14.77     44,655,421      
                                2012     3,326,548    12.05 - 12.71     41,689,448      
                                2011     3,930,913    10.88 - 11.40     44,282,730      
                                2010     4,192,524    11.28 - 11.74     48,715,861      

MSF MetLife Asset               2014   420,572,925    14.33 - 20.54  6,507,894,347      
   Allocation 80 Sub-Account    2013     3,927,901    14.05 - 14.80     57,260,787      
                                2012     4,335,356    11.55 - 12.09     51,720,857      
                                2011     4,632,179    10.23 - 10.65     48,721,974      
                                2010     5,194,016    10.86 - 11.24     57,766,976      

MSF MetLife Mid Cap Stock       2014     5,178,461     2.86 - 30.60    127,735,872      
   Index Sub-Account            2013     5,501,359     2.64 - 28.20    125,884,078      
                                2012     4,914,049     2.01 - 21.37     88,989,701      
                                2011     4,708,991     1.73 - 18.33     77,805,929      
                                2010     3,443,301    15.77 - 18.85     59,472,935      

MSF MetLife Stock Index         2014    28,264,874     7.03 - 77.90    610,830,233      
   Sub-Account                  2013    28,624,388     6.28 - 69.33    561,274,487      
                                2012    29,109,224     4.82 - 52.98    446,759,028      
                                2011    25,347,914     4.22 - 46.18    355,993,780      
                                2010    23,801,960    11.03 - 45.76    343,187,076      

MSF MFS Total Return            2014       756,067    49.00 - 76.52     45,817,455      
   Sub-Account                  2013       814,124    46.24 - 71.07     46,044,412      
                                2012       730,405    41.41 - 60.26     35,344,618      
                                2011       826,212    38.00 - 54.49     36,390,818      
                                2010       929,202    37.99 - 53.68     40,676,709      

MSF MFS Value Sub-Account       2014    10,916,908    13.03 - 26.14    255,401,966      
                                2013    12,139,878    12.05 - 23.85    260,473,964      
                                2012     3,025,966    14.12 - 17.78     48,275,261      
                                2011     3,145,406    12.27 - 14.81     43,754,913      
                                2010     3,234,649    12.33 - 14.90     45,430,281      


                                                 FOR THE YEAR ENDED DECEMBER 31         
                                      --------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                         INCOME          LOWEST TO          LOWEST TO   
                                        RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                      -------------  ----------------  -----------------
                                                                                        
MSF Met/Dimensional             2014       2.02        0.90 - 2.30       (8.82) - (0.83)
   International Small Company  2013       1.72        0.90 - 2.30         24.70 - 26.46
   Sub-Account                  2012       2.19        0.90 - 2.35          3.91 - 16.37
                                2011       1.94        1.30 - 2.35     (18.19) - (17.33)
                                2010       1.30        1.30 - 2.35         19.74 - 21.01

MSF MetLife Asset               2014       1.17        0.90 - 2.20           0.07 - 3.02
   Allocation 20 Sub-Account    2013       3.04        1.55 - 2.15           2.07 - 2.68
                                2012       3.27        1.55 - 2.15           6.85 - 7.49
                                2011       2.37        1.55 - 2.15           1.06 - 1.66
                                2010       4.06        1.55 - 2.15           7.71 - 8.36

MSF MetLife Asset               2014       0.01        0.90 - 2.35           0.04 - 3.47
   Allocation 40 Sub-Account    2013       2.53        1.55 - 2.10           8.62 - 9.22
                                2012       2.95        1.55 - 2.10           9.13 - 9.74
                                2011       2.14        1.55 - 2.10       (1.04) - (0.50)
                                2010       3.38        1.55 - 2.10           9.21 - 9.81

MSF MetLife Asset               2014       0.02        0.90 - 2.35           0.03 - 3.93
   Allocation 60 Sub-Account    2013       2.00        1.55 - 2.25         15.36 - 16.17
                                2012       2.39        1.55 - 2.25         10.71 - 11.49
                                2011       1.52        1.55 - 2.25       (3.55) - (2.89)
                                2010       2.53        1.55 - 2.25         10.65 - 11.44

MSF MetLife Asset               2014       0.02        0.90 - 2.35         (0.03) - 4.53
   Allocation 80 Sub-Account    2013       1.46        1.55 - 2.15         21.67 - 22.40
                                2012       1.91        1.55 - 2.15         12.92 - 13.60
                                2011       1.43        1.55 - 2.15       (5.81) - (5.25)
                                2010       2.14        1.55 - 2.15         12.25 - 12.94

MSF MetLife Mid Cap Stock       2014       0.85        0.89 - 2.35           1.60 - 8.52
   Index Sub-Account            2013       1.00        0.89 - 2.35         29.67 - 31.97
                                2012       0.82        0.89 - 2.35         14.53 - 16.55
                                2011       0.70        0.89 - 2.35       (4.50) - (2.76)
                                2010       0.76        0.89 - 2.20         23.19 - 25.17

MSF MetLife Stock Index         2014       1.51        0.89 - 2.90          0.87 - 12.36
   Sub-Account                  2013       1.68        0.89 - 2.90         28.14 - 30.85
                                2012       1.55        0.89 - 2.90         12.30 - 14.73
                                2011       1.55        0.89 - 2.90         (1.15) - 0.94
                                2010       1.63        0.89 - 2.90         11.41 - 13.81

MSF MFS Total Return            2014       2.25        0.89 - 2.30           5.95 - 7.68
   Sub-Account                  2013       2.31        0.89 - 2.30         16.06 - 17.94
                                2012       2.78        0.89 - 2.15          2.75 - 10.59
                                2011       2.68        0.89 - 2.15           0.04 - 1.51
                                2010       2.91        0.89 - 2.15           7.53 - 9.10

MSF MFS Value Sub-Account       2014       1.57        0.89 - 2.35           1.99 - 9.83
                                2013       0.55        0.89 - 2.35         17.10 - 34.53
                                2012       1.94        0.89 - 2.30          3.00 - 15.61
                                2011       1.57        0.89 - 2.30       (1.43) - (0.04)
                                2010       1.32        0.89 - 2.30          8.89 - 10.44

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                  
                                     ----------------------------------------------    
                                                      UNIT VALUE                       
                                                       LOWEST TO           NET         
                                         UNITS        HIGHEST ($)      ASSETS ($)      
                                     ------------  ----------------  --------------    
                                                                                       
MSF MSCI EAFE Index            2014     8,697,532      1.49 - 16.21     101,223,288    
   Sub-Account                 2013     8,809,646      1.61 - 17.40     112,197,169    
                               2012     7,172,234      1.34 - 14.41      81,404,548    
                               2011     6,390,970      1.15 - 12.29      69,159,210    
                               2010     4,636,491     11.54 - 14.17      58,834,689    

MSF Neuberger Berman           2014     7,109,782     18.11 - 27.46     150,104,225    
   Genesis Sub-Account         2013     8,020,175     18.58 - 27.70     172,247,460    
                               2012       626,194     16.44 - 20.18      11,798,908    
                               2011       647,811     15.96 - 18.50      11,266,993    
                               2010       578,563     16.81 - 17.64       9,730,049    

MSF Russell 2000 Index         2014     5,807,014      2.84 - 31.21     144,858,146    
   Sub-Account                 2013     5,835,501      2.74 - 29.98     141,070,458    
                               2012     5,078,788      2.01 - 21.83      91,750,975    
                               2011     3,926,223      1.75 - 18.93      64,081,468    
                               2010     2,703,578      7.11 - 19.92      46,792,763    

MSF T. Rowe Price Large Cap    2014    15,015,374      8.02 - 57.25     166,959,337    
   Growth Sub-Account          2013    14,688,080      8.03 - 53.41     151,930,071    
                               2012        39,346     35.99 - 39.07       1,501,612    
                               2011        44,809     30.91 - 33.42       1,465,621    
                               2010        40,496     31.93 - 34.38       1,365,647    

MSF T. Rowe Price Small Cap    2014       321,073     27.11 - 37.87       9,976,420    
   Growth Sub-Account          2013       356,919     25.98 - 35.74      10,522,813    
                               2012       380,162     18.41 - 24.95       7,808,995    
                               2011       417,381     16.23 - 21.67       7,500,142    
                               2010       465,332     16.01 - 21.48       8,285,648    

MSF Van Eck Global Natural     2014     6,586,665     13.05 - 13.93      89,288,128    
   Resources Sub-Account       2013     6,278,667     16.43 - 17.17     106,449,499    
                               2012     7,200,491     15.15 - 15.70     111,896,983    
                               2011     6,910,683     15.07 - 15.51     106,332,935    
                               2010     3,967,225     18.49 - 18.86      74,371,723    

MSF Western Asset Management   2014           398             32.02          12,743    
   Strategic Bond Opportunities                                                        
   Sub-Account                                                                         
   (Commenced 11/19/2014)                                                              

MSF Western Asset              2014    15,346,536     14.95 - 19.83     276,085,662    
   Management U.S. Government  2013    16,417,493     14.93 - 19.52     291,870,388    
   Sub-Account                 2012    17,244,875     15.42 - 19.89     313,310,285    
                               2011    16,038,241     15.32 - 19.49     285,529,978    
                               2010    12,558,586     14.90 - 18.69     214,907,918    

MSF WMC Core Equity            2014    30,718,018     17.28 - 57.62     609,015,113    
   Opportunities Sub-Account   2013    36,209,587     16.00 - 52.55     658,561,438    
                               2012    41,401,029     12.26 - 39.65     572,327,325    
                               2011    48,368,185     11.12 - 35.45     599,153,697    
                               2010    46,415,423     11.87 - 37.27     606,785,200    


                                               FOR THE YEAR ENDED DECEMBER 31          
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
MSF MSCI EAFE Index            2014       2.43        0.89 - 2.25       (8.42) - (2.81)
   Sub-Account                 2013       2.89        0.89 - 2.25         18.74 - 20.78
                               2012       2.89        0.89 - 2.15         15.42 - 17.27
                               2011       2.23        0.89 - 2.15     (14.50) - (13.28)
                               2010       2.24        0.89 - 2.15           5.47 - 7.24

MSF Neuberger Berman           2014       0.22        0.89 - 2.35         (2.62) - 0.40
   Genesis Sub-Account         2013       0.10        0.89 - 2.35         24.94 - 37.30
                               2012       0.34        0.89 - 2.30           7.25 - 9.05
                               2011       0.73        0.89 - 1.95         (7.38) - 4.87
                               2010       0.51        0.89 - 1.35         19.95 - 20.50

MSF Russell 2000 Index         2014       0.96        0.89 - 2.35           2.30 - 4.11
   Sub-Account                 2013       1.29        0.89 - 2.35         34.91 - 37.33
                               2012       0.88        0.89 - 2.35         13.24 - 15.31
                               2011       0.84        0.89 - 2.35       (6.46) - (4.95)
                               2010       0.77        0.89 - 2.35         23.61 - 25.79

MSF T. Rowe Price Large Cap    2014         --        0.89 - 2.35        (0.04) - 13.92
   Growth Sub-Account          2013         --        0.89 - 2.35         26.10 - 37.93
                               2012         --        1.50 - 1.90         16.43 - 16.90
                               2011         --        1.50 - 1.90       (3.19) - (2.80)
                               2010       0.07        1.50 - 1.90         14.55 - 15.01

MSF T. Rowe Price Small Cap    2014       0.01        0.89 - 2.15           2.47 - 5.96
   Growth Sub-Account          2013       0.22        0.89 - 2.15         41.11 - 43.27
                               2012         --        0.89 - 2.15         13.43 - 15.14
                               2011         --        0.89 - 2.15         (0.70) - 0.87
                               2010         --        0.89 - 2.30         31.60 - 33.71

MSF Van Eck Global Natural     2014       0.27        1.10 - 2.15     (20.55) - (11.40)
   Resources Sub-Account       2013       0.66        1.30 - 2.15           8.40 - 9.32
                               2012         --        1.30 - 2.15           0.38 - 1.25
                               2011       1.10        1.30 - 2.20     (18.49) - (17.75)
                               2010       0.25        1.30 - 2.20         26.22 - 27.36

MSF Western Asset Management   2014         --               1.10                (0.65)
   Strategic Bond Opportunities                                                        
   Sub-Account                                                                         
   (Commenced 11/19/2014)                                                              

MSF Western Asset              2014       1.68        0.95 - 2.35           0.17 - 1.58
   Management U.S. Government  2013       1.95        0.95 - 2.35       (3.21) - (1.84)
   Sub-Account                 2012       1.85        0.95 - 2.35           0.64 - 2.07
                               2011       1.20        0.95 - 2.35           2.83 - 4.28
                               2010       2.24        0.95 - 2.35           3.04 - 4.50

MSF WMC Core Equity            2014       0.59        0.89 - 2.35           1.34 - 9.65
   Opportunities Sub-Account   2013       1.27        0.89 - 2.35         30.43 - 32.52
                               2012       0.72        0.89 - 2.35          1.16 - 11.86
                               2011       1.01        0.89 - 2.35      (11.86) - (4.88)
                               2010       0.87        0.89 - 2.35          9.22 - 11.01

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                     AS OF DECEMBER 31                   
                                       --------------------------------------------      
                                                       UNIT VALUE                        
                                                        LOWEST TO           NET          
                                           UNITS       HIGHEST ($)      ASSETS ($)       
                                       ------------  ---------------  -------------      
                                                                                         
Neuberger Berman Genesis         2014           393            22.93          9,013      
   Sub-Account                   2013           474            23.21         10,991      
                                 2012           474            17.11          8,101      
                                 2011           474            15.72          7,443      
                                 2010           571            15.16          8,663      

Oppenheimer VA Core Bond         2014         1,362             6.13          8,346      
   Sub-Account                   2013         1,493             5.79          8,646      
                                 2012         1,541             5.88          9,058      
                                 2011         1,878             5.41         10,150      
                                 2010         1,952             5.06          9,885      

Oppenheimer VA Global            2014           443            10.29          4,556      
   Strategic Income Sub-Account  2013           443            10.15          4,492      
                                 2012           443            10.30          4,562      
                                 2011           443             9.20          4,075      
                                 2010           443             9.25          4,097      

Oppenheimer VA Main Street       2014     4,346,502    17.83 - 30.77    126,466,514      
   Small Cap Sub-Account         2013     4,655,290    16.15 - 27.82    123,045,407      
                                 2012     5,041,901    11.62 - 19.97     96,092,155      
                                 2011     4,964,464     9.98 - 17.13     81,494,321      
                                 2010     4,127,208    10.35 - 17.72     70,331,777      

Oppenheimer VA Main Street       2014        13,372             7.93        106,085      
   Sub-Account                   2013        14,316             7.27        104,039      
                                 2012        14,959             5.59         83,663      
                                 2011        22,109             4.85        107,300      
                                 2010        24,227             4.92        119,249      

Oppenheimer VA Money             2014           696             5.45          3,793      
   Sub-Account                   2013           723             5.53          4,000      
                                 2012        20,150             5.61        112,965      
                                 2011        20,177             5.69        114,709      
                                 2010        20,177             5.76        116,310      

PIMCO VIT CommodityRealReturn    2014         1,515      8.69 - 8.70         13,170      
   Strategy Sub-Account                                                                  
   (Commenced 11/19/2014)                                                                

PIMCO VIT Emerging Market        2014         1,592             9.55         15,202      
   Bond Sub-Account                                                                      
   (Commenced 11/19/2014)                                                                

PIMCO VIT Unconstrained          2014           478             9.96          4,759      
   Bond Sub-Account                                                                      
   (Commenced 11/19/2014)                                                                

Pioneer VCT Mid Cap Value        2014     1,581,277    42.37 - 51.68     74,902,996      
   Sub-Account                   2013     1,719,853    37.64 - 45.45     71,900,042      
                                 2012     1,769,793    28.91 - 34.56     56,444,927      
                                 2011     1,688,831    26.60 - 31.48     49,145,077      
                                 2010     1,493,349    28.81 - 33.76     46,621,818      


                                                  FOR THE YEAR ENDED DECEMBER 31         
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
Neuberger Berman Genesis         2014       0.05               0.89                (1.19)
   Sub-Account                   2013       0.32               0.89                 35.68
                                 2012       0.21               0.89                  8.84
                                 2011       0.84               0.89                  3.67
                                 2010         --               0.89                 20.30

Oppenheimer VA Core Bond         2014       5.29               1.40                  5.77
   Sub-Account                   2013       5.14               1.40                (1.49)
                                 2012       4.67               1.40                  8.75
                                 2011       5.76               1.40                  6.77
                                 2010       4.81               1.40                  9.87

Oppenheimer VA Global            2014       4.25               1.40                  1.41
   Strategic Income Sub-Account  2013       4.99               1.40                (1.52)
                                 2012       5.95               1.40                 11.95
                                 2011       3.19               1.40                (0.55)
                                 2010      16.19               1.40                 13.38

Oppenheimer VA Main Street       2014       0.63        0.95 - 1.75          9.72 - 10.60
   Small Cap Sub-Account         2013       0.70        0.95 - 1.75         38.19 - 39.29
                                 2012       0.33        0.95 - 1.75         15.62 - 16.55
                                 2011       0.36        0.95 - 1.75       (4.07) - (3.30)
                                 2010       0.37        0.95 - 1.75         20.92 - 21.90

Oppenheimer VA Main Street       2014       0.84               1.40                  9.16
   Sub-Account                   2013       1.10               1.40                 29.94
                                 2012       0.86               1.40                 15.24
                                 2011       1.27               1.40                (1.40)
                                 2010       1.11               1.40                 14.49

Oppenheimer VA Money             2014         --               1.40                (1.38)
   Sub-Account                   2013       0.01               1.40                (1.38)
                                 2012       0.01               1.40                (1.39)
                                 2011       0.01               1.40                (1.37)
                                 2010       0.03               1.40                (1.37)

PIMCO VIT CommodityRealReturn    2014       0.20        1.10 - 1.35     (13.36) - (13.33)
   Strategy Sub-Account                                                                  
   (Commenced 11/19/2014)                                                                

PIMCO VIT Emerging Market        2014       0.32        1.10 - 1.60       (3.46) - (3.40)
   Bond Sub-Account                                                                      
   (Commenced 11/19/2014)                                                                

PIMCO VIT Unconstrained          2014       0.04               1.35                (0.10)
   Bond Sub-Account                                                                      
   (Commenced 11/19/2014)                                                                

Pioneer VCT Mid Cap Value        2014       0.65        0.95 - 1.95         12.58 - 13.71
   Sub-Account                   2013       0.74        0.95 - 1.95         30.19 - 31.50
                                 2012       0.84        0.95 - 1.95           8.67 - 9.77
                                 2011       0.64        0.95 - 1.95       (7.66) - (6.73)
                                 2010       0.87        0.95 - 1.95         15.62 - 16.78

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INSURANCE COMPANY USA              
NOTES TO THE FINANCIAL STATEMENTS -- (CONCLUDED)              

8.  FINANCIAL HIGHLIGHTS -- (CONCLUDED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                 
                                     ----------------------------------------------   
                                                      UNIT VALUE                      
                                                       LOWEST TO           NET        
                                         UNITS        HIGHEST ($)      ASSETS ($)     
                                     ------------  ----------------  --------------   
                                                                                      
Pioneer VCT Real Estate        2014         8,772     27.15 - 30.26         249,879   
   Shares Sub-Account          2013        11,399     21.20 - 23.46         252,653   
                               2012        10,700     21.29 - 23.38         237,514   
                               2011        12,968     18.70 - 20.38         251,847   
                               2010        12,983     17.38 - 18.80         234,208   

T. Rowe Price Growth Stock     2014        52,254            143.75       7,511,742   
   Sub-Account                 2013        62,571            133.27       8,339,192   
                               2012        66,302             96.60       6,404,585   
                               2011        73,401             81.96       6,015,937   
                               2010        85,875             83.50       7,170,858   

T. Rowe Price International    2014        39,998             15.58         623,024   
   Stock Sub-Account           2013        41,360             15.85         655,401   
                               2012        45,736             13.99         639,881   
                               2011        59,337             11.89         705,529   
                               2010        68,117             13.68         932,126   

T. Rowe Price Prime Reserve    2014        29,487             17.44         514,215   
   Sub-Account                 2013        31,743             17.59         558,449   
                               2012        40,746             17.75         723,146   
                               2011        54,384             17.91         973,756   
                               2010        70,013             18.06       1,264,618   

TAP 1919 Variable Socially     2014         6,406     37.02 - 40.53         253,840   
   Responsive Balanced         2013         7,932     34.52 - 37.64         292,286   
   Sub-Account                 2012         9,185     29.64 - 32.19         289,329   
                               2011        17,377     27.28 - 29.51         501,373   
                               2010        17,424     27.81 - 29.97         510,680   

UIF Global Infrastructure      2014           664     12.49 - 12.95           8,465   
   Sub-Account                                                                        
   (Commenced 11/19/2014)                                                             

Van Eck VIP Long/Short Equity  2014         1,662     10.08 - 10.09          16,769   
   Index Sub-Account                                                                  
   (Commenced 11/19/2014)                                                             


                                              FOR THE YEAR ENDED DECEMBER 31          
                                     -------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                        INCOME          LOWEST TO         LOWEST TO   
                                       RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                     -------------  ----------------  ----------------
                                                                                      
Pioneer VCT Real Estate        2014       2.29         1.20 - 1.95       28.04 - 29.00
   Shares Sub-Account          2013       2.16         1.20 - 1.95       (0.42) - 0.33
                               2012       2.11         1.20 - 1.95       13.84 - 14.70
                               2011       2.24         1.20 - 1.95         7.64 - 8.45
                               2010       2.42         1.20 - 1.95       26.06 - 27.01

T. Rowe Price Growth Stock     2014         --                0.89                7.86
   Sub-Account                 2013       0.04                0.89               37.97
                               2012       0.18                0.89               17.86
                               2011       0.02                0.89              (1.85)
                               2010       0.06                0.89               15.89

T. Rowe Price International    2014       1.13                0.89              (1.70)
   Stock Sub-Account           2013       0.97                0.89               13.26
                               2012       1.21                0.89               17.66
                               2011       1.20                0.89             (13.11)
                               2010       1.13                0.89               13.46

T. Rowe Price Prime Reserve    2014       0.01                0.89              (0.88)
   Sub-Account                 2013       0.01                0.89              (0.87)
                               2012       0.01                0.89              (0.88)
                               2011       0.01                0.89              (0.87)
                               2010       0.01                0.89              (0.87)

TAP 1919 Variable Socially     2014       0.87         1.50 - 1.90         7.25 - 7.68
   Responsive Balanced         2013       0.83         1.50 - 1.90       16.47 - 16.94
   Sub-Account                 2012       1.06         1.50 - 1.90         8.62 - 9.06
                               2011       1.20         1.50 - 1.90     (1.89) - (1.51)
                               2010       1.24         1.50 - 1.90       10.04 - 10.48

UIF Global Infrastructure      2014         --         1.10 - 1.35         0.27 - 0.30
   Sub-Account                                                                        
   (Commenced 11/19/2014)                                                             

Van Eck VIP Long/Short Equity  2014         --         1.10 - 1.35         0.67 - 0.70
   Index Sub-Account                                                                  
   (Commenced 11/19/2014)                                                             

1 These amounts represent the dividends, excluding distributions of capital     
gains, received by the Sub-Account from the underlying portfolio, series or 
fund, net of management fees assessed by the fund manager, divided by the   
average net assets, regardless of share class, if any. These ratios exclude 
 those expenses, such as mortality and expense risk charges, that are assessed
against contract owner accounts either through reductions in the unit values
or the redemption of units. The investment income ratio is calculated for   
each period indicated or from the effective date through the end of the     
reporting period. The recognition of investment income by the Sub-Account is
affected by the timing of the declaration of dividends by the underlying    
portfolio, series or fund in which the Sub-Account invests. The investment  
income ratio is calculated as a weighted average ratio since the Sub-Account
may invest in two or more share classes, within the underlying portfolio,   
series or fund of the Trusts which may have unique investment income        
ratios.                                                                     

2 These amounts represent annualized contract expenses of each of the           
applicable Sub-Accounts, consisting primarily of mortality and expense risk 
charges, for each period indicated. The ratios include only those expenses  
that result in a direct reduction to unit values. Charges made directly to  
contract owner accounts through the redemption of units and expenses of the 
underlying portfolio, series or fund have been excluded.                    

3 These amounts represent the total return for the period indicated, including  
changes in the value of the underlying portfolio, series or fund, and       
expenses assessed through the reduction of unit values. These ratios do not 
include any expenses assessed through the redemption of units. The total    
return is calculated for each period indicated or from the effective date   
through the end of the reporting period. The total return is presented as a 
 range of minimum to maximum returns, based on the minimum and maximum returns
within each product grouping of the applicable Sub-Account.                 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Item 8. Financial Statements and Supplementary Data                             

Index to Consolidated Financial Statements, Notes and Schedules 

                                                        [Enlarge/Download Table]

                                                                                                      Page
                                                                                                      ----
                                                                                                          
Report of Independent Registered Public Accounting Firm..............................................   2 
Financial Statements at December 31, 2014 and 2013 and for the Years Ended December 31, 2014, 2013        
  and 2012:                                                                                               
 Consolidated Balance Sheets.........................................................................   3 
 Consolidated Statements of Operations...............................................................   4 
 Consolidated Statements of Comprehensive Income (Loss)..............................................   5 
 Consolidated Statements of Stockholder's 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 -- Mergers...............................................................................  33 
     Note 4 -- Dispositions..........................................................................  34 
     Note 5 -- Insurance.............................................................................  35 
     Note 6 -- Deferred Policy Acquisition Costs, Value of Business Acquired and Other Intangibles...  43 
     Note 7 -- Reinsurance...........................................................................  46 
     Note 8 -- Investments...........................................................................  54 
     Note 9 -- Derivatives...........................................................................  76 
     Note 10 -- Fair Value...........................................................................  90 
     Note 11 -- Goodwill............................................................................. 117 
     Note 12 -- Debt................................................................................. 120 
     Note 13 -- Equity............................................................................... 120 
     Note 14 -- Other Expenses....................................................................... 126 
     Note 15 -- Income Tax........................................................................... 127 
     Note 16 -- Contingencies, Commitments and Guarantees............................................ 130 
     Note 17 -- Related Party Transactions........................................................... 134 
Financial Statement Schedules at December 31, 2014 and 2013 and for the Years Ended December 31,          
  2014, 2013 and 2012:                                                                                    
 Schedule I -- Consolidated Summary of Investments -- Other Than Investments in Related Parties...... 135 
 Schedule III -- Consolidated Supplementary Insurance Information.................................... 136 
 Schedule IV -- Consolidated Reinsurance............................................................. 138 

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

To the Board of Directors and Stockholder of                                    
MetLife Insurance Company USA:                                                  

We have audited the accompanying consolidated balance sheets of MetLife         
Insurance Company USA (formerly MetLife Insurance Company of Connecticut) and   
subsidiaries (the "Company") as of December 31, 2014 and 2013, and the related  
consolidated statements of operations, comprehensive income (loss),             
stockholder's equity, and cash flows for each of the three years in the period  
ended December 31, 2014. Our audits also included the financial statement       
schedules listed in the Index to Consolidated Financial Statements, Notes and   
Schedules. These consolidated financial statements and financial statement      
schedules are the responsibility of the Company's management. Our               
responsibility is to express an opinion on the consolidated financial           
statements and financial statement schedules based on our audits.               

We conducted our audits in accordance with the standards of the Public Company  
Accounting Oversight Board (United States). Those standards require that we     
plan and perform the audit to obtain reasonable assurance about whether the     
consolidated financial statements are free of material misstatement. The        
Company is not required to have, nor were we engaged to perform, an audit of    
its internal control over financial reporting. Our audits included              
consideration of internal control over financial reporting as a basis for       
designing audit procedures that are appropriate in the circumstances, but not   
for the purpose of expressing an opinion on the effectiveness of the Company's  
internal control over financial reporting. Accordingly, we express no such      
opinion. An audit also includes examining, on a test basis, evidence supporting 
the amounts and disclosures in the consolidated financial statements, assessing 
the accounting principles used and significant estimates made by management, as 
well as evaluating the overall financial statement presentation. We believe     
that our audits provide a reasonable basis for our opinion.                     

In our opinion, such consolidated financial statements present fairly, in all   
material respects, the financial position of MetLife Insurance Company USA and  
subsidiaries as of December 31, 2014 and 2013, and the results of their         
operations and their cash flows for each of the three years in the period ended 
December 31, 2014, in conformity with accounting principles generally accepted  
in the United States of America. Also, in our opinion, such financial statement 
schedules, when considered in relation to the basic consolidated financial      
statements taken as a whole, present fairly, in all material respects, the      
information set forth therein.                                                  

As discussed in Note 3 to the consolidated financial statements, on             
November 14, 2014, MetLife Insurance Company of Connecticut was renamed MetLife 
Insurance Company USA and merged with MetLife Investors USA Insurance Company,  
MetLife Investors Insurance Company, and Exeter Reassurance Company, Ltd., all  
subsidiaries of MetLife, Inc. As the mergers involved entities all under common 
control, the accompanying consolidated financial statements have been           
retrospectively adjusted for all periods presented to reflect the mergers in a  
manner similar to a pooling-of-interests.                                       

/s/ DELOITTE & TOUCHE LLP                                                       

New York, New York                                                              
March 27, 2015                                                                  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Balance Sheets 
December 31, 2014 and 2013  

(In millions, except share and per share data)  

                                                        [Enlarge/Download Table]

                                                                                             2014         2013    
                                                                                         -----------  ----------- 
                                                                                                                  
Assets                                                                                                            
Investments:                                                                                                      
 Fixed maturity securities available-for-sale, at estimated fair value (amortized cost:                           
   $46,423 and $46,988, respectively)................................................... $    50,697  $    48,824 
 Equity securities available-for-sale, at estimated fair value (cost: $400 and $443,                              
   respectively)........................................................................         459          463 
 Mortgage loans (net of valuation allowances of $25 and $35, respectively; includes                               
   $280 and $1,598, respectively, at estimated fair value, relating to variable                                   
   interest entities)...................................................................       5,839        8,004 
 Policy loans...........................................................................       1,194        1,246 
 Real estate and real estate joint ventures (includes $93 and $0, respectively, of real                           
   estate held-for-sale)................................................................         894          754 
 Other limited partnership interests....................................................       2,234        2,162 
 Short-term investments, principally at estimated fair value............................       1,232        4,964 
 Other invested assets, principally at estimated fair value.............................       4,531        5,899 
                                                                                         -----------  ----------- 
   Total investments....................................................................      67,080       72,316 
Cash and cash equivalents, principally at estimated fair value..........................       1,206        1,400 
Accrued investment income (includes $2 and $9, respectively, relating to variable                                 
  interest entities)....................................................................         501          660 
Premiums, reinsurance and other receivables.............................................      21,559       19,553 
Deferred policy acquisition costs and value of business acquired........................       4,890        5,691 
Current income tax recoverable..........................................................         537          398 
Goodwill................................................................................         381          526 
Other assets............................................................................         848          943 
Separate account assets.................................................................     108,861      109,814 
                                                                                         -----------  ----------- 
     Total assets....................................................................... $   205,863  $   211,301 
                                                                                         ===========  =========== 
Liabilities and Stockholder's Equity                                                                              
Liabilities                                                                                                       
Future policy benefits.................................................................. $    28,479  $    30,603 
Policyholder account balances...........................................................      35,486       37,389 
Other policy-related balances...........................................................       3,320        4,130 
Payables for collateral under securities loaned and other transactions..................       7,501        6,914 
Long-term debt (includes $139 and $1,461, respectively, at estimated fair value,                                  
  relating to variable interest entities)...............................................         928        2,326 
Deferred income tax liability...........................................................       1,338          251 
Other liabilities (includes $1 and $7, respectively, relating to variable interest                                
  entities).............................................................................       7,944        8,308 
Separate account liabilities............................................................     108,861      109,814 
                                                                                         -----------  ----------- 
     Total liabilities..................................................................     193,857      199,735 
                                                                                         -----------  ----------- 
Contingencies, Commitments and Guarantees (Note 16)                                                               
Stockholder's Equity                                                                                              
Common stock, par value $25,000 and $2.50 per share; 4,000 and 40,000,000 shares                                  
  authorized; 3,000 and 34,595,317 shares issued and outstanding, respectively..........          75           86 
Additional paid-in capital..............................................................      10,855       11,506 
Retained earnings (deficit).............................................................      (1,350)      (1,006)
Accumulated other comprehensive income (loss)...........................................       2,426          980 
                                                                                         -----------  ----------- 
     Total stockholder's equity.........................................................      12,006       11,566 
                                                                                         -----------  ----------- 
      Total liabilities and stockholder's equity........................................ $   205,863  $   211,301 
                                                                                         ===========  =========== 

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Operations 
For the Years Ended December 31, 2014, 2013 and 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                         2014       2013       2012   
                                                                      ---------  ---------  --------- 
                                                                                                      
Revenues                                                                                              
Premiums............................................................. $   1,152  $     689  $   2,215 
Universal life and investment-type product policy fees...............     3,193      3,130      3,014 
Net investment income................................................     2,669      2,999      3,060 
Other revenues.......................................................       539        610        626 
Net investment gains (losses):                                                                        
 Other-than-temporary impairments on fixed maturity securities.......        (6)        (9)       (54)
 Other-than-temporary impairments on fixed maturity securities                                        
   transferred to other comprehensive income (loss)..................        (6)       (11)         3 
 Other net investment gains (losses).................................      (457)        47        241 
                                                                      ---------  ---------  --------- 
   Total net investment gains (losses)...............................      (469)        27        190 
 Net derivative gains (losses).......................................      (181)       441     (2,345)
                                                                      ---------  ---------  --------- 
     Total revenues..................................................     6,903      7,896      6,760 
                                                                      ---------  ---------  --------- 
Expenses                                                                                              
Policyholder benefits and claims.....................................     2,764      3,147      4,321 
Interest credited to policyholder account balances...................     1,062      1,168      1,281 
Goodwill impairment..................................................        33         66        394 
Other expenses.......................................................     2,754      1,937      2,636 
                                                                      ---------  ---------  --------- 
     Total expenses..................................................     6,613      6,318      8,632 
                                                                      ---------  ---------  --------- 
Income (loss) from continuing operations before provision for income                                  
  tax................................................................       290      1,578     (1,872)
Provision for income tax expense (benefit)...........................        (5)       437       (813)
                                                                      ---------  ---------  --------- 
Income (loss) from continuing operations, net of income tax..........       295      1,141     (1,059)
Income (loss) from discontinued operations, net of income tax........        --         --          8 
                                                                      ---------  ---------  --------- 
Net income (loss).................................................... $     295  $   1,141  $  (1,051)
                                                                      =========  =========  ========= 

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Comprehensive Income (Loss)  
For the Years Ended December 31, 2014, 2013 and 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                         2014       2013       2012   
                                                                      ---------  ---------  --------- 
                                                                                                      
Net income (loss).................................................... $     295  $   1,141  $  (1,051)
Other comprehensive income (loss):                                                                    
 Unrealized investment gains (losses), net of related offsets........     1,953     (2,232)       941 
 Unrealized gains (losses) on derivatives............................       244       (206)         3 
 Foreign currency translation adjustments............................       (50)        54        101 
                                                                      ---------  ---------  --------- 
Other comprehensive income (loss), before income tax.................     2,147     (2,384)     1,045 
Income tax (expense) benefit related to items of other comprehensive                                  
  income (loss)......................................................      (701)       808       (344)
                                                                      ---------  ---------  --------- 
Other comprehensive income (loss), net of income tax.................     1,446     (1,576)       701 
                                                                      ---------  ---------  --------- 
Comprehensive income (loss).......................................... $   1,741  $    (435) $    (350)
                                                                      =========  =========  ========= 

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Stockholder's Equity 
For the Years Ended December 31, 2014, 2013 and 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                      Accumulated               
                                             Additional   Retained       Other         Total    
                                   Common     Paid-in     Earnings   Comprehensive Stockholder's
                                   Stock      Capital     (Deficit)  Income (Loss)    Equity    
                                 ---------  -----------  ----------  ------------- -------------
                                                                                                
Balance at January 1, 2012                                                                      
  (Note 3)...................... $      86  $     8,582  $    1,034    $   1,855    $   11,557  
Dividend of subsidiary                                                                          
  (Note 4)......................                               (347)                      (347) 
Dividend paid to MetLife, Inc...                               (522)                      (522) 
Capital contribution (Note 3)...                  2,878                                  2,878  
Net income (loss)...............                             (1,051)                    (1,051) 
Other comprehensive income                                                                      
  (loss), net of income tax (1).                                             701           701  
                                 ---------  -----------  ----------    ---------    ----------  
Balance at December 31, 2012....        86       11,460        (886)       2,556        13,216  
Dividend paid to MetLife, Inc...                             (1,261)                    (1,261) 
Capital contribution............                     46                                     46  
Net income (loss)...............                              1,141                      1,141  
Other comprehensive income                                                                      
  (loss), net of income tax.....                                          (1,576)       (1,576) 
                                 ---------  -----------  ----------    ---------    ----------  
Balance at December 31, 2013....        86       11,506      (1,006)         980        11,566  
Redemption of common stock......       (11)        (895)       (484)                    (1,390) 
Dividend paid to MetLife, Inc...                               (155)                      (155) 
Capital contribution............                    244                                    244  
Net income (loss)...............                                295                        295  
Other comprehensive income                                                                      
  (loss), net of income tax.....                                           1,446         1,446  
                                 ---------  -----------  ----------    ---------    ----------  
Balance at December 31, 2014.... $      75  $    10,855  $   (1,350)   $   2,426    $   12,006  
                                 =========  ===========  ==========    =========    ==========  

--------                                                                        

(1)Includes amounts related to dividend of subsidiary. See Notes 4 and 13.      

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Cash Flows 
For the Years Ended December 31, 2014, 2013 and 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                                      2014      2013      2012   
                                                                                                    --------  --------  -------- 
                                                                                                                                 
Cash flows from operating activities                                                                                             
Net income (loss).................................................................................. $    295  $  1,141  $ (1,051)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:                               
  Depreciation and amortization expenses...........................................................       30        35        33 
  Amortization of premiums and accretion of discounts associated with investments, net.............     (166)     (150)     (170)
  (Gains) losses on investments and from sales of businesses, net..................................      469       (27)     (200)
  (Gains) losses on derivatives, net...............................................................    1,443     1,567     3,643 
  (Income) loss from equity method investments, net of dividends or distributions..................      (11)      (82)      (43)
  Interest credited to policyholder account balances...............................................    1,062     1,168     1,281 
  Universal life and investment-type product policy fees...........................................   (3,193)   (3,130)   (3,014)
  Goodwill impairment..............................................................................       33        66       394 
  Change in fair value option securities...........................................................       --        --      (601)
  Change in accrued investment income..............................................................      124       146        91 
  Change in premiums, reinsurance and other receivables............................................   (1,479)     (190)     (614)
  Change in deferred policy acquisition costs and value of business acquired, net..................      711      (480)     (154)
  Change in income tax.............................................................................      245       691      (798)
  Change in other assets...........................................................................    2,258     2,006     1,869 
  Change in insurance-related liabilities and policy-related balances..............................    1,398     1,198     2,055 
  Change in other liabilities......................................................................    1,390        31       308 
  Other, net.......................................................................................      (67)       (6)       -- 
                                                                                                    --------  --------  -------- 
Net cash provided by (used in) operating activities................................................    4,542     3,984     3,029 
                                                                                                    --------  --------  -------- 
Cash flows from investing activities                                                                                             
  Sales, maturities and repayments of:                                                                                           
   Fixed maturity securities.......................................................................   20,249    20,330    16,647 
   Equity securities...............................................................................       98        69        60 
   Mortgage loans..................................................................................    2,428     2,304     1,461 
   Real estate and real estate joint ventures......................................................       28       104        72 
   Other limited partnership interests.............................................................      255       153       220 
  Purchases of:                                                                                                                  
   Fixed maturity securities.......................................................................  (24,520)  (17,068)  (18,153)
   Equity securities...............................................................................      (41)     (133)      (60)
   Mortgage loans..................................................................................     (343)     (912)     (879)
   Real estate and real estate joint ventures......................................................     (209)     (201)     (225)
   Other limited partnership interests.............................................................     (345)     (368)     (357)
  Cash received in connection with freestanding derivatives........................................      788       258       845 
  Cash paid in connection with freestanding derivatives............................................   (1,991)   (3,615)   (2,126)
  Sale of business, net of cash and cash equivalents disposed of $251, $0 and $0,                                                
   respectively....................................................................................      451        --        -- 
  Dividend of subsidiary...........................................................................       --        --       (53)
  Sales of loans to affiliates.....................................................................      520        --        -- 
  Net change in policy loans.......................................................................       52        (3)      (14)
  Net change in short-term investments.............................................................    3,581     2,060     1,273 
  Net change in other invested assets..............................................................     (305)      113      (113)
  Other, net.......................................................................................       --         3        -- 
                                                                                                    --------  --------  -------- 
Net cash provided by (used in) investing activities................................................      696     3,094    (1,402)
                                                                                                    --------  --------  -------- 

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Consolidated Statements of Cash Flows -- (Continued)  
For the Years Ended December 31, 2014, 2013 and 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                              2014       2013       2012    
                                                                                           ---------  ---------  ---------- 
                                                                                                                            
Cash flows from financing activities                                                                                        
  Policyholder account balances:                                                                                            
   Deposits...............................................................................    18,581     15,005      16,417 
   Withdrawals............................................................................   (21,564)   (16,806)    (16,549)
  Net change in payables for collateral under securities loaned and other transactions....       703     (3,197)     (1,395)
  Long-term debt repaid...................................................................    (1,379)    (1,009)       (482)
  Financing element on certain derivative instruments.....................................      (414)      (197)         67 
  Redemption of common stock..............................................................      (906)        --          -- 
  Common stock redemption premium.........................................................      (484)        --          -- 
  Dividends paid to MetLife, Inc..........................................................      (155)    (1,261)       (522)
  Capital contributions from MetLife, Inc.................................................       231         --         800 
                                                                                           ---------  ---------  ---------- 
Net cash provided by (used in) financing activities.......................................    (5,387)    (7,465)     (1,664)
                                                                                           ---------  ---------  ---------- 
Effect of change in foreign currency exchange rates on cash and cash equivalents balances.       (45)       (41)        (15)
                                                                                           ---------  ---------  ---------- 
Change in cash and cash equivalents.......................................................      (194)      (428)        (52)
Cash and cash equivalents, beginning of year..............................................     1,400      1,828       1,880 
                                                                                           ---------  ---------  ---------- 
Cash and cash equivalents, end of year.................................................... $   1,206  $   1,400  $    1,828 
                                                                                           =========  =========  ========== 
Supplemental disclosures of cash flow information                                                                           
Net cash paid (received) for:                                                                                               
   Interest............................................................................... $     116  $     199  $      331 
                                                                                           =========  =========  ========== 
   Income tax............................................................................. $    (221) $    (272) $       23 
                                                                                           =========  =========  ========== 
Non-cash transactions:                                                                                                      
  Disposal of subsidiary: (1)                                                                                               
   Assets disposed........................................................................ $      --  $      --  $    4,857 
   Liabilities disposed...................................................................        --         --      (4,567)
                                                                                           ---------  ---------  ---------- 
   Net assets disposed....................................................................        --         --         290 
   Cash disposed..........................................................................        --         --         (53)
   Dividend of interests in subsidiary....................................................        --         --        (237)
                                                                                           ---------  ---------  ---------- 
   (Gain) loss on dividend of interests in subsidiary..................................... $      --  $      --  $       -- 
                                                                                           =========  =========  ========== 
  Capital contributions from MetLife, Inc................................................. $      13  $      46  $    2,078 
                                                                                           =========  =========  ========== 
  Assignment of senior notes to MetLife, Inc.............................................. $      --  $      --  $    2,000 
                                                                                           =========  =========  ========== 
  Transfers of fixed maturity securities to affiliates.................................... $     804  $      --  $       -- 
                                                                                           =========  =========  ========== 
  Purchase of fixed maturity securities associated with business transfer................. $      --  $      --  $      761 
                                                                                           =========  =========  ========== 
  Purchase of short-term investments associated with business transfer.................... $      --  $      --  $       72 
                                                                                           =========  =========  ========== 
  Real estate and real estate joint ventures acquired in satisfaction of debt............. $      --  $      --  $       50 
                                                                                           =========  =========  ========== 

--------                                                                        

(1)See Note 4.                                                                  

See accompanying notes to the consolidated financial statements.  

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MetLife Insurance Company USA 
(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                                                                        

"MetLife USA" and the "Company" refer to MetLife Insurance Company USA      
(formerly, MetLife Insurance Company of Connecticut ("MICC")), a Delaware       
corporation originally incorporated in Connecticut in 1863, and its             
subsidiaries. MetLife Insurance Company USA is a wholly-owned subsidiary of     
MetLife, Inc. The Company offers individual annuities, individual life          
insurance, and institutional protection and asset accumulation products.        

In November 2014, MetLife Insurance Company of Connecticut re-domesticated  
from Connecticut to Delaware, changed its name to MetLife Insurance Company USA 
and merged with its subsidiary, MetLife Investors USA Insurance Company         
("MLI-USA"), and its affiliates, MetLife Investors Insurance Company ("MLIIC")  
and Exeter Reassurance Company, Ltd. ("Exeter"). See Note 3 for further         
information on the merger transactions and the prior periods' adjustments.      

The Company is organized into two segments: Retail and Corporate Benefit    
Funding.                                                                        

Basis of Presentation                                                           

The preparation of financial statements in conformity with accounting       
principles generally accepted in the United States of America ("GAAP") requires 
management to adopt accounting policies and make estimates and assumptions that 
affect amounts reported in the consolidated financial statements. In applying   
these policies and estimates, management makes subjective and complex judgments 
that frequently require assumptions about matters that are inherently           
uncertain. Many of these policies, estimates and related judgments are common   
in the insurance and financial services industries; others are specific to the  
Company's business and operations. Actual results could differ from estimates.  

Consolidation                                                                 

The accompanying consolidated financial statements include the accounts of
MetLife Insurance Company USA and its subsidiaries, as well as partnerships   
and joint ventures in which the Company has control, and variable interest    
entities ("VIEs") for which the Company is the primary beneficiary.           
Intercompany accounts and transactions have been eliminated.                  

  Since the Company is a member of a controlled group of affiliated companies,
its results may not be indicative of those of a stand-alone entity.           

Discontinued Operations                                                       

  The results of operations of a component of the Company that has either been
disposed of or is classified as held-for-sale are reported in discontinued    
operations if certain criteria are met. Effective January 1, 2014, the Company
early adopted new guidance regarding reporting of discontinued operations for 
disposals or classifications as held-for-sale that have not been previously   
reported in the consolidated financial statements. A disposal of a component  
is reported in discontinued operations if the disposal represents a strategic 
shift that has or will have a major effect on the Company's operations and    
financial results. See "-- Adoption of New Accounting Pronouncements."        

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MetLife Insurance Company USA 
(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)                                                            

Separate Accounts                                                             

 Separate accounts are established in conformity with insurance laws and are
generally not chargeable with liabilities that arise from any other business  
of the Company. Separate account assets are subject to general account claims 
only to the extent the value of such assets exceeds the separate account      
liabilities. The Company reports separately, as assets and liabilities,       
investments held in separate accounts and liabilities of the separate accounts
if:                                                                           

.  such separate accounts are legally recognized;                           
.  assets supporting the contract liabilities are legally insulated from the
Company's general account liabilities;                                
.  investments are directed by the contractholder; and                      
.  all investment performance, net of contract fees and assessments, is     
passed through to the contractholder.                                 

The Company reports separate account assets at their fair value, which is 
based on the estimated fair values of the underlying assets comprising the    
individual separate account portfolios. Investment performance (including     
investment income, net investment gains (losses) and changes in unrealized    
gains (losses)) and the corresponding amounts credited to contractholders of  
such separate accounts are offset within the same line in the statements of   
operations. Separate accounts credited with a contractual investment return   
are combined on a line-by-line basis with the Company's general account       
assets, liabilities, revenues and expenses and the accounting for these       
investments is consistent with the methodologies described herein for similar 
financial instruments held within the general account. Unit-linked separate   
account investments that are directed by contractholders but do not meet one  
or more of the other above criteria are included in fair value option ("FVO") 
securities. See Note 4 for the disposition of MetLife Europe Limited ("MetLife
Europe").                                                                     

The Company's revenues reflect fees charged to the separate accounts,     
including mortality charges, risk charges, policy administration fees,        
investment management fees and surrender charges. Such fees are included in   
universal life and investment-type product policy fees in the statements of   
operations.                                                                   

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                                                                             5  
-----------------------------------------------------------------------------------------
Deferred Policy Acquisition Costs, Value of Business Acquired and Other Intangibles   6  
-----------------------------------------------------------------------------------------
Reinsurance                                                                           7  
-----------------------------------------------------------------------------------------
Investments                                                                           8  
-----------------------------------------------------------------------------------------
Derivatives                                                                           9  
-----------------------------------------------------------------------------------------
Fair Value                                                                            10 
-----------------------------------------------------------------------------------------
Goodwill                                                                              11 
-----------------------------------------------------------------------------------------
Income Tax                                                                            15 
-----------------------------------------------------------------------------------------
Litigation Contingencies                                                              16 
-----------------------------------------------------------------------------------------

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MetLife Insurance Company USA 
(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)                                                            

Insurance                                                                     

Future Policy Benefit Liabilities and Policyholder Account Balances         

The Company establishes liabilities for amounts payable under insurance 
policies. Generally, amounts are payable over an extended period of time and
related liabilities are calculated as the present value of future expected  
 benefits to be paid reduced by the present value of future expected premiums.
Such liabilities are established based on methods and underlying assumptions
in accordance with GAAP and applicable actuarial standards. Principal       
assumptions used in the establishment of liabilities for future policy      
benefits are mortality, morbidity, policy lapse, renewal, retirement,       
 disability incidence, disability terminations, investment returns, inflation,
 expenses and other contingent events as appropriate to the respective product
type. These assumptions are established at the time the policy is issued and
are intended to estimate the experience for the period the policy benefits  
are payable. Utilizing these assumptions, liabilities are established on a  
block of business basis. For long duration insurance contracts, assumptions 
such as mortality, morbidity and interest rates are "locked in" upon the    
issuance of new business. However, significant adverse changes in experience
on such contracts may require the establishment of premium deficiency       
reserves. Such reserves are determined based on the then current assumptions
and do not include a provision for adverse deviation.                       

Liabilities for universal and variable life secondary guarantees are    
determined by estimating the expected value of death benefits payable when  
the account balance is projected to be zero and recognizing those benefits  
 ratably over the accumulation period based on total expected assessments. The
assumptions used in estimating the secondary guarantee liabilities are      
consistent with those used for amortizing deferred policy acquisition costs 
("DAC"), and are thus subject to the same variability and risk as further   
discussed herein. The assumptions of investment performance and volatility  
for variable products are consistent with historical experience of          
appropriate underlying equity indices, such as the Standard & Poor's Ratings
Services ("S&P") 500 Index. The benefits used in calculating the liabilities
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 ("PABs") relate to contract or contract   
features where the Company has no significant insurance risk.               

The Company issues directly and assumes through reinsurance, certain    
variable annuity products with guaranteed minimum benefits that provide the 
policyholder a minimum return based on their initial deposit (i.e., the     
benefit base) less withdrawals. These guarantees are accounted for as       
insurance liabilities or as embedded derivatives depending on how and when  
the benefit is paid. Specifically, a guarantee is accounted for as an       
embedded derivative if a guarantee is paid without requiring (i) the        
occurrence of specific insurable event, or (ii) the policyholder to         
annuitize. Alternatively, a guarantee is accounted for as an insurance      
liability if the guarantee is paid only upon either (i) the occurrence of a 
specific insurable event, or (ii) annuitization. In certain cases, a        
guarantee may have elements of both an insurance liability and an embedded  
derivative and in such cases the guarantee is split and accounted for under 
both models.                                                                

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MetLife Insurance Company USA 
(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)                                                            

   Guarantees accounted for as insurance liabilities in future policy benefits
include guaranteed minimum death benefits ("GMDBs"), the portion of         
guaranteed minimum income benefits ("GMIBs") that require annuitization, and
the life-contingent portion of guaranteed minimum withdrawal benefits       
("GMWBs").                                                                  

Guarantees accounted for as embedded derivatives in PABs include the non
life-contingent portion of GMWBs, guaranteed minimum accumulation benefits  
("GMABs") and the portion of GMIBs that do not require annuitization. At    
 inception, the Company attributes to the embedded derivative a portion of the
projected future guarantee fees to be collected from the policyholder equal 
to the present value of projected future guaranteed benefits. Any additional
fees represent "excess" fees and are reported in universal life and         
investment-type product policy fees.                                        

Other Policy-Related Balances                                               

Other policy-related balances primarily include assumed affiliated      
reinsurance payables, affiliated deferred experience refunds, policy and    
contract claims and unearned revenue liabilities.                           

   The assumed affiliated reinsurance payable relates primarily to reinsurance
for certain universal life business assumed from an affiliate, net of other 
reinsurance.                                                                

The affiliated deferred experience refunds relate to the repayment of   
acquisition costs under an affiliated reinsurance agreement and represent   
part the net cost of reinsurance for the business reinsured. The deferred   
experience refund is being amortized consistent with the DAC methodology on 
the underlying contracts.                                                   

  The liability for policy and contract claims generally relates to incurred
but not reported death, disability, and long-term care ("LTC") claims, as   
well as claims which have been reported but not yet settled. The liability  
for these claims is based on the Company's estimated ultimate cost of       
settling all claims. The Company derives estimates for the development of   
incurred but not reported claims principally from analyses of historical    
patterns of claims by business line. The methods used to determine these    
estimates are continually reviewed. Adjustments resulting from this         
continuous review process and differences between estimates and payments for
claims are recognized in policyholder benefits and claims expense in the    
period in which the estimates are changed or payments are made.             

The unearned revenue liability relates to universal life-type and       
investment-type products and represents policy charges for services to be   
provided in future periods. The charges are deferred as unearned revenue and
amortized using the product's estimated gross profits, similar to DAC as    
 discussed further herein. Such amortization is recorded in universal life and
investment-type product policy fees.                                        

Recognition of Insurance Revenues and Deposits                              

Premiums related to traditional life and annuity policies with life     
contingencies are recognized as revenues when due from policyholders.       
 Policyholder benefits and expenses are provided to recognize profits over the
estimated lives of the insurance policies. When premiums are due over a     
significantly shorter period than the period over which benefits are        
provided, any excess profit is deferred and recognized into earnings in a   
constant relationship to insurance in-force or, for annuities, the amount of
expected future policy benefit payments.                                    

Premiums related to non-medical health and disability contracts are     
recognized on a pro rata basis over the applicable contract term.           

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MetLife Insurance Company USA 
(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)                                                            

Deposits related to universal life-type and investment-type products are
 credited to PABs. Revenues from such contracts consist of fees for mortality,
policy administration and surrender charges and are recorded in universal   
life and investment-type product policy fees in the period in which services
are provided. Amounts that are charged to earnings include interest credited
and benefit claims incurred in excess of related PABs.                      

   Premiums, policy fees, policyholder benefits and expenses are presented net
of reinsurance.                                                             

Deferred Policy Acquisition Costs, Value of Business Acquired and Other       
Intangibles                                                                   

The Company incurs significant costs in connection with acquiring new and 
renewal insurance business. Costs that are related directly to the successful 
acquisition or renewal of insurance contracts are capitalized as DAC. Such    
costs include:                                                                

.  incremental direct costs of contract acquisition, such as commissions;   
.  the portion of an employee's total compensation and benefits related to  
time spent selling, underwriting or processing the issuance of new and
  renewal insurance business only with respect to actual policies acquired
or renewed;                                                           
.  other essential direct costs that would not have been incurred had a     
policy not been acquired or renewed; and                              
.  the costs of direct-response advertising, the primary purpose of which is
to elicit sales to customers who could be shown to have responded     
specifically to the advertising and that results in probable future   
benefits.                                                             

All other acquisition-related costs, including those related to general   
advertising and solicitation, market research, agent training, product        
development, unsuccessful sales and underwriting efforts, as well as all      
indirect costs, are expensed as incurred.                                     

 Value of business acquired ("VOBA") is an intangible asset resulting from a
business combination that represents the excess of book value over the        
estimated fair value of acquired insurance, annuity, and investment-type      
contracts in-force at the acquisition date. The estimated fair value of the   
acquired liabilities is 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:                                    

                                                                [Download Table]
                                                                             
-----------------------------------------------------------------------------
Products:                              In proportion to the following over   
                                       estimated lives of the contracts:     
-----------------------------------------------------------------------------
.  Nonparticipating and                Historic actual and expected future   
   non-dividend-paying traditional     gross premiums.                       
   contracts (primarily term                                                 
   insurance)                                                                
-----------------------------------------------------------------------------
.  Participating, dividend-paying      Actual and expected future gross      
   traditional contracts               margins.                              
-----------------------------------------------------------------------------
.  Fixed and variable universal life   Actual and expected future gross      
   contracts                           profits.                              
.  Fixed and variable deferred                                               
   annuity contracts                                                         
-----------------------------------------------------------------------------

See Note 6 for additional information on DAC and VOBA amortization.       

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MetLife Insurance Company USA 
(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 recovery of DAC and VOBA is dependent upon the future profitability of
the related business. DAC and VOBA are aggregated in the financial statements 
for reporting purposes.                                                       

  The Company generally has two different types of sales inducements which are
included in other assets: (i) the policyholder receives a bonus whereby the   
policyholder's initial account balance is increased by an amount equal to a   
specified percentage of the customer's deposit; and (ii) the policyholder     
receives a higher interest rate using a dollar cost averaging method than     
would have been received based on the normal general account interest rate    
credited. The Company defers sales inducements and amortizes them over the    
life of the policy using the same methodology and assumptions used to amortize
DAC. The amortization of sales inducements is included in policyholder        
benefits and claims. Each year, or more frequently if circumstances indicate a
potential recoverability issue exists, the Company reviews deferred sales     
inducements ("DSI") to determine the recoverability of the asset.             

Value of distribution agreements acquired ("VODA") is reported in other   
assets and represents the present value of expected future profits associated 
with the expected future business derived from the distribution agreements    
acquired as part of a business combination. Value of customer relationships   
acquired ("VOCRA") is also reported in other assets and represents the present
value of the expected future profits associated with the expected future      
business acquired through existing customers of the acquired company or       
business. The VODA and VOCRA associated with past business combinations are   
amortized over useful lives ranging from 10 to 30 years and such amortization 
is included in other expenses. Each year, or more frequently if circumstances 
indicate a possible impairment exists, the Company reviews VODA and VOCRA to  
determine whether the asset is impaired.                                      

Reinsurance                                                                   

For each of its reinsurance agreements, the Company determines whether the
agreement provides indemnification against loss or liability relating to      
insurance risk in accordance with applicable accounting standards. Cessions   
under reinsurance agreements do not discharge the Company's obligations as the
primary insurer. The Company reviews all contractual features, including those
that may limit the amount of insurance risk to which the reinsurer is subject 
or features that delay the timely reimbursement of claims.                    

 For reinsurance of existing in-force blocks of long-duration contracts that
transfer significant insurance risk, the difference, if any, between the      
amounts paid (received), and the liabilities ceded (assumed) related to the   
underlying contracts is considered the net cost of reinsurance at the         
inception of the reinsurance agreement. The net cost of reinsurance is        
recorded as an adjustment to DAC when there is a gain at inception on the     
ceding entity and to other liabilities when there is a loss at inception. The 
net cost of reinsurance is recognized as a component of other expenses when   
there is a gain at inception and as policyholder benefits and claims when     
there is a loss and is subsequently amortized on a basis consistent with the  
methodology used for amortizing DAC related to the underlying reinsured       
contracts. Subsequent amounts paid (received) on the reinsurance of in-force  
blocks, as well as amounts paid (received) related to new business, are       
recorded as ceded (assumed) premiums and ceded (assumed) premiums, reinsurance
and other receivables (future policy benefits) are established.               

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             

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MetLife Insurance Company USA 
(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)                                                            

reinsurance agreements with the same reinsurer may be recorded net on the     
balance sheet, if a right of offset exists within the reinsurance agreement.  
In the event that reinsurers do not meet their obligations to the Company     
under the terms of the reinsurance agreements, reinsurance recoverable        
balances could become uncollectible. In such instances, reinsurance           
recoverable balances are stated net of allowances for uncollectible           
reinsurance.                                                                  

The funds withheld liability represents amounts withheld by the Company in
accordance with the terms of the reinsurance agreements. The Company withholds
the funds rather than transferring the underlying investments and, as a       
result, records funds withheld liability within other liabilities. The Company
recognizes interest on funds withheld, included in other expenses, at rates   
defined by the terms of the agreement which may be contractually specified or 
directly related to the investment portfolio.                                 

 Premiums, fees and policyholder benefits and claims include amounts assumed
under reinsurance agreements and are net of reinsurance ceded. Amounts        
received from reinsurers for policy administration are reported in other      
revenues. With respect to GMIBs, a portion of the directly written GMIBs are  
accounted for as insurance liabilities, but the associated reinsurance        
agreements contain embedded derivatives. These embedded derivatives are       
included in premiums, reinsurance and other receivables with changes in       
estimated fair value reported in net derivative gains (losses).               

If the Company determines that a reinsurance agreement does not expose the
reinsurer to a reasonable possibility of a significant loss from insurance    
risk, the Company records the agreement using the deposit method of           
accounting. Deposits received are included in other liabilities and deposits  
made are included within premiums, reinsurance and other receivables. As      
amounts are paid or received, consistent with the underlying contracts, the   
deposit assets or liabilities are adjusted. Interest on such deposits is      
recorded as other revenues or other expenses, as appropriate. Periodically,   
the Company evaluates the adequacy of the expected payments or recoveries and 
adjusts the deposit asset or liability through other revenues or other        
expenses, as appropriate. 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).                                    

Investments                                                                   

Net Investment Income and Net Investment Gains (Losses)                     

Income from investments is reported within net investment income, unless
 otherwise stated herein. Gains and losses on sales of investments, impairment
 losses and changes in valuation allowances are reported within net investment
gains (losses), unless otherwise stated herein.                             

Fixed Maturity and Equity Securities                                        

The majority of the Company's fixed maturity and equity securities are  
classified as available-for-sale ("AFS") and are reported at their estimated
fair value. Unrealized investment gains and losses on these securities are  
recorded as a separate component of other comprehensive income (loss)       
("OCI"), net of policy-related amounts and deferred income taxes. All       
security transactions are recorded on a trade date basis. Investment gains  
and losses on sales are determined on a specific identification basis.      

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MetLife Insurance Company USA 
(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)                                                            

Interest income and prepayment fees are recognized when earned. Interest
income is recognized using an effective yield method giving effect to       
amortization of premiums and accretion of discounts. Dividends on equity    
securities are recognized when declared.                                    

   The Company periodically evaluates fixed maturity and equity securities for
impairment. The assessment of whether impairments have occurred is based on 
management's case-by-case evaluation of the underlying reasons for the      
decline in estimated fair value, as well as an analysis of the gross        
unrealized losses by severity and/or age as described in Note 8 "--         
 Evaluation of AFS Securities for OTTI and Evaluating Temporarily Impaired AFS
Securities."                                                                

For fixed maturity securities in an unrealized loss position, an        
 other-than-temporary impairment ("OTTI") is recognized in earnings when it is
anticipated that the amortized cost will not be recovered. When either:     
(i) the Company has the intent to sell the security; or (ii) it is more     
 likely than not that the Company will be required to sell the security before
recovery, the OTTI recognized in earnings is the entire difference between  
the security's amortized cost and estimated fair value. If neither of these 
conditions exists, the difference between the amortized cost of the security
 and the present value of projected future cash flows expected to be collected
is recognized as an OTTI in earnings ("credit loss"). If the estimated fair 
value is less than the present value of projected future cash flows expected
to be collected, this portion of OTTI related to other-than-credit factors  
("noncredit loss") is recorded in OCI.                                      

With respect to equity securities, the Company considers in its OTTI    
analysis its intent and ability to hold a particular equity security for a  
period of time sufficient to allow for the recovery of its estimated fair   
value to an amount equal to or greater than cost. If a sale decision is made
 for an equity security and recovery to an amount at least equal to cost prior
to the sale is not expected, the security will be deemed to be              
 other-than-temporarily impaired in the period that the sale decision was made
and an OTTI loss will be recorded in earnings. The OTTI loss recognized is  
the entire difference between the security's cost and its estimated fair    
value.                                                                      

Mortgage Loans                                                              

  The Company disaggregates its mortgage loan investments into two portfolio
segments: commercial and agricultural. The accounting policies that are     
applicable to all portfolio segments are presented below and the accounting 
policies related to each of the portfolio segments are included in Note 8.  

Mortgage loans are stated at unpaid principal balance, adjusted for any 
unamortized premium or discount, deferred fees or expenses, and are net of  
 valuation allowances. Interest income and prepayment fees are recognized when
earned. Interest income is recognized using an effective yield method giving
effect to amortization of premiums and accretion of discounts.              

Also included in mortgage loans are commercial mortgage loans held by   
consolidated securitization entities ("CSEs") for which the FVO was elected,
 which are stated at estimated fair value. Changes in estimated fair value are
recognized in net investment gains (losses) for commercial mortgage loans   
held by CSEs.                                                               

Policy Loans                                                                

Policy loans are stated at unpaid principal balances. Interest income 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                               

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MetLife Insurance Company USA 
(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 underlying insurance policies. Any unpaid principal and accrued interest
is deducted from the cash surrender value or the death benefit prior to     
settlement of the insurance policy.                                         

Real Estate                                                                 

Real estate held-for-investment is stated at cost less accumulated      
depreciation. Depreciation is recorded on a straight-line basis over the    
estimated useful life of the asset (typically 20 to 55 years). Rental income
is recognized on a straight-line basis over the term of the respective      
leases. The Company periodically reviews its real estate held-for-investment
for impairment and tests for recoverability whenever events or changes in   
circumstances indicate the carrying value may not be recoverable and exceeds
its estimated fair value. Properties whose carrying values are greater than 
 their undiscounted cash flows are written down to their estimated fair value,
which is generally computed using the present value of expected future cash 
flows discounted at a rate commensurate with the underlying risks.          

   Real estate for which the Company commits to a plan to sell within one year
and actively markets in its current condition for a reasonable price in     
comparison to its estimated fair value is classified as held-for-sale. Real 
estate held-for-sale is stated at the lower of depreciated cost or estimated
fair value less expected disposition costs and is not depreciated.          

Real Estate Joint Ventures and Other Limited Partnership Interests          

   The Company uses the equity method of accounting for equity securities when
it has significant influence or at least 20% interest and for real estate   
joint ventures and other limited partnership interests ("investees") when it
has more than a minor ownership interest or more than a minor influence over
the investee's operations, but does not have a controlling financial        
interest. The Company generally recognizes its share of the investee's      
earnings on a three-month lag in instances where the investee's financial   
information is not sufficiently timely or when the investee's reporting     
period differs from the Company's reporting period.                         

  The Company uses the cost method of accounting for investments in which it
has virtually no influence over the investee's operations. The Company      
recognizes distributions on cost method investments as earned or received.  
 Because of the nature and structure of these cost method investments, they do
not meet the characteristics of an equity security in accordance with       
applicable accounting standards.                                            

The Company routinely evaluates its equity method and cost method       
investments for impairment. For equity method investees, the Company        
considers financial and other information provided by the investee, other   
known information and inherent risks in the underlying investments, as well 
as future capital commitments, in determining whether an impairment has     
occurred. The Company considers its cost method investments for impairment  
when the carrying value of such investments exceeds the net asset value     
("NAV"). The Company takes into consideration the severity and duration of  
this excess when determining whether the cost method investment is impaired.

Short-term Investments                                                      

Short-term investments include securities and other investments with    
remaining maturities of one year or less, but greater than three months, at 
the time of purchase and are stated at estimated fair value or amortized    

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MetLife Insurance Company USA 
(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)                                                            

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.                              
.  Funds withheld which 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.                   
  .  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.
.  Investments in operating joint ventures that engage in insurance     
    underwriting activities and are accounted for under the equity method.
  .  Leveraged leases which are recorded net of non-recourse debt. Income is
      recognized by applying the leveraged lease's estimated rate of return to
     the net investment in the lease. The Company regularly reviews residual
values for impairment.                                            
.  Loans to affiliates which are stated at unpaid principal balance and 
adjusted for any unamortized premium or discount.                 

Securities Lending Program                                                  

   Securities lending transactions, whereby blocks of securities are loaned to
 third parties, primarily brokerage firms and commercial banks, are treated as
 financing arrangements and the associated liability is recorded at the amount
of cash received. The Company obtains collateral at the inception of the    
loan, usually cash, in an amount generally equal to 102% of the estimated   
 fair value of the securities loaned, and maintains it at a level greater than
or equal to 100% for the duration of the loan. The Company is liable to     
return to the counterparties the cash collateral received. Security         
collateral on deposit from counterparties in connection with securities     
lending transactions may not be sold or re-pledged, unless the counterparty 
is in default, and is not reflected in 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. Income and  
expenses associated with securities lending transactions are reported as    
 investment income and investment expense, respectively, within net investment
income.                                                                     

Derivatives                                                                   

Freestanding Derivatives                                                    

   Freestanding derivatives are carried in the Company's balance sheets either
as assets within other invested assets or as liabilities within other       
liabilities at estimated fair value. The Company does not offset the fair   

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MetLife Insurance Company USA 
(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)                                                            

value amounts recognized for derivatives executed with the same counterparty
under the same master netting agreement.                                    

   Accruals on derivatives are generally recorded in accrued investment income
or within other liabilities. However, accruals that are not scheduled to    
settle within one year are included with the derivatives carrying value in  
other invested assets or other liabilities.                                 

If a derivative is not designated as an accounting hedge or its use in  
 managing risk does not qualify for hedge accounting, changes in the estimated
fair value of the derivative are reported in net derivative gains (losses)  
except as follows:                                                          

                                                                [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      
-----------------------------------------------------------------------------

Hedge Accounting                                                            

To qualify for hedge accounting, at the inception of the hedging        
relationship, the Company formally documents its risk management objective  
and strategy for undertaking the hedging transaction, as well as its        
designation of the hedge. Hedge designation and financial statement         
presentation of changes in estimated fair value of the hedging derivatives  
are as follows:                                                             

.  Fair value hedge (a hedge of the estimated fair value of a recognized
      asset or liability) -- in net derivative gains (losses), consistent with
the change in fair value of the hedged item attributable to the   
designated risk being hedged.                                     
.  Cash flow hedge (a hedge of a forecasted transaction or of the       
      variability of cash flows to be received or paid related to a recognized
      asset or liability) -- effectiveness in OCI (deferred gains or losses on
   the derivative are reclassified into the statement of operations when
     the Company's earnings are affected by the variability in cash flows of
 the hedged item); ineffectiveness in net derivative gains (losses).

The changes in estimated fair values of the hedging derivatives are     
exclusive of any accruals that are separately reported in the statement of  
operations within interest income or interest expense to match the location 
of the hedged item.                                                         

In its hedge documentation, the Company sets forth how the hedging      
instrument is expected to hedge the designated risks related to the hedged  
item and sets forth the method that will be used to retrospectively and     
prospectively assess the hedging instrument's effectiveness and the method  
that will be used to measure ineffectiveness. A derivative designated as a  
hedging instrument must be assessed as being highly effective in offsetting 
the designated risk of the hedged item. Hedge effectiveness is formally     
assessed at inception and at least quarterly throughout the life of the     
designated hedging relationship. Assessments of hedge effectiveness and     
measurements of ineffectiveness are also subject to interpretation and      
estimation and different interpretations or estimates may have a material   
effect on the amount reported in net income.                                

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MetLife Insurance Company USA 
(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 discontinues hedge accounting prospectively when: (i) it is 
determined that the derivative is no longer highly effective in offsetting  
changes in the estimated fair value or cash flows of a hedged item; (ii) the
derivative expires, is sold, terminated, or exercised; (iii) it is no longer
probable that the hedged forecasted transaction will occur; or (iv) the     
derivative is de-designated as a hedging instrument.                        

When hedge accounting is discontinued because it is determined that the 
derivative is not highly effective in offsetting changes in the estimated   
fair value or cash flows of a hedged item, the derivative continues to be   
carried in the balance sheets at its estimated fair value, with changes in  
estimated fair value recognized in net derivative gains (losses). The       
 carrying value of the hedged recognized asset or liability under a fair value
hedge is no longer adjusted for changes in its estimated fair value due to  
the hedged risk, and the cumulative adjustment to its carrying value is     
amortized into income over the remaining life of the hedged item. Provided  
the hedged forecasted transaction is still probable of occurrence, the      
changes in estimated fair value of derivatives recorded in OCI related to   
discontinued cash flow hedges are released into the statements of operations
when the Company's earnings are affected by the variability in cash flows of
the hedged item.                                                            

   When hedge accounting is discontinued because it is no longer probable that
the forecasted transactions will occur on the anticipated date or within two
months of that date, the derivative continues to be carried in the balance  
sheets at its estimated fair value, with changes in estimated fair value    
recognized currently in net derivative gains (losses). Deferred gains and   
 losses of a derivative recorded in OCI pursuant to the discontinued cash flow
hedge of a forecasted transaction that is no longer probable are recognized 
immediately in net derivative gains (losses).                               

In all other situations in which hedge accounting is discontinued, the  
 derivative is carried at its estimated fair value in the balance sheets, with
changes in its estimated fair value recognized in the current period as net 
derivative gains (losses).                                                  

Embedded Derivatives                                                        

  The Company sells variable annuities and issues certain insurance products
and investment contracts and is a party to certain reinsurance agreements   
 that have embedded derivatives. The Company assesses each identified embedded
 derivative to determine whether it is required to be bifurcated. The embedded
derivative is bifurcated from the host contract and accounted for as a      
freestanding derivative if:                                                 

.  the combined instrument is not accounted for in its entirety at fair 
value with changes in fair value recorded in earnings;            
   .  the terms of the embedded derivative are not clearly and closely related
to the economic characteristics of the host contract; and         
.  a separate instrument with the same terms as the embedded derivative 
would qualify as a derivative instrument.                         

Such embedded derivatives are carried in the balance sheets at estimated
fair value with the host contract and changes in their estimated fair value 
are generally reported in net derivative gains (losses) except for those in 
 policyholder benefits and claims related to ceded reinsurance of GMIB. 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                      

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MetLife Insurance Company USA 
(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)                                                            

to carry an entire contract on the balance sheet at estimated fair value,   
with changes in estimated fair value recognized in the current period in net
investment gains (losses) or net investment income if that contract contains
an embedded derivative that requires bifurcation. At inception, the Company 
attributes to the embedded derivative a portion of the projected future     
guarantee fees to be collected from the policyholder equal to the present   
value of projected future guaranteed benefits. Any additional fees represent
"excess" fees and are reported in universal life and investment-type product
policy fees.                                                                

Fair Value                                                                    

Fair value is defined as the price that would be received to sell an asset
or paid to transfer a liability (an exit price) in the principal or most      
advantageous market for the asset or liability in an orderly transaction      
between market participants on the measurement date. In most cases, the exit  
price and the transaction (or entry) price will be the same at initial        
recognition.                                                                  

Subsequent to initial recognition, fair values are based on unadjusted    
quoted prices for identical assets or liabilities in active markets that are  
readily and regularly obtainable. When such quoted prices are not available,  
fair values are based on quoted prices in markets that are not active, quoted 
prices for similar but not identical assets or liabilities, or other          
observable inputs. If these inputs are not available, or observable inputs are
not determinable, unobservable inputs and/or adjustments to observable inputs 
requiring management judgment are used to determine the estimated fair value  
of assets and liabilities.                                                    

Goodwill                                                                      

Goodwill represents the future economic benefits arising from net assets  
acquired in a business combination that are not individually identified and   
recognized. Goodwill is calculated as the excess of cost over the estimated   
fair value of such net assets acquired, is not amortized, and is tested for   
impairment based on a fair value approach at least annually or more frequently
if events or circumstances indicate that there may be justification for       
conducting an interim test. The Company performs its annual goodwill          
impairment testing during the third quarter of each year based upon data as of
the close of the second quarter. Goodwill associated with a business          
acquisition is not tested for impairment during the year the business is      
acquired unless there is a significant identified impairment event.           

The impairment test is performed at the reporting unit level, which is the
operating segment or a business one level below the operating segment, if     
discrete financial information is prepared and regularly reviewed by          
management at that level. For purposes of goodwill impairment testing, if the 
carrying value of a reporting unit exceeds its estimated fair value, there may
be an indication of impairment. In such instances, the implied fair value of  
the goodwill is determined in the same manner as the amount of goodwill that  
would be determined in a business combination. The excess of the carrying     
value of goodwill over the implied fair value of goodwill would be recognized 
as an impairment and recorded as a charge against net income.                 

 On an ongoing basis, the Company evaluates potential triggering events that
may affect the estimated fair value of the Company's reporting units to assess
whether any goodwill impairment exists. Deteriorating or adverse market       
conditions for certain reporting units may have a significant impact on the   
estimated fair value of these reporting units and could result in future      
impairments of goodwill.                                                      

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MetLife Insurance Company USA 
(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)                                                            

Employee Benefit Plans                                                        

Pension, postretirement and postemployment benefits are provided to       
associates under plans sponsored and administered by Metropolitan Life        
Insurance Company ("MLIC"), an affiliate of the Company. The Company's        
obligation and expense related to these benefits is limited to the amount of  
associated expense allocated from MLIC.                                       

Income Tax                                                                    

MetLife Insurance Company USA and its includable subsidiaries join with   
MetLife, Inc. and its includable subsidiaries in filing a consolidated U.S.   
life and non-life federal income tax return in accordance with the provisions 
of the Internal Revenue Code of 1986, as amended. Current taxes (and the      
benefits of tax attributes such as losses) are allocated to MetLife Insurance 
Company USA 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 MetLife Insurance   
Company USA or its includable subsidiaries has current or prior deductions and
credits (including but not limited to losses) which reduce the consolidated   
tax liability of the consolidated federal tax return group, the deductions and
credits are characterized as realized (or realizable) by MetLife Insurance    
Company USA and its includable subsidiaries when those tax attributes are     
realized (or realizable) by the consolidated federal tax return group, even if
MetLife Insurance Company USA 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 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
jurisdiction;                                                         

.  future taxable income exclusive of reversing temporary differences and   
carryforwards;                                                        

.  future reversals of existing taxable temporary differences;              

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MetLife Insurance Company USA 
(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)                                                            

.  taxable income in prior carryback years; and                             

.  tax planning strategies.                                                 

The Company may be required to change its provision for income taxes in   
certain circumstances. Examples of such circumstances include when estimates  
used in determining valuation allowances on deferred tax assets significantly 
change or when receipt of new information indicates the need for adjustment in
valuation allowances. Additionally, future events, such as changes in tax     
laws, tax regulations, or interpretations of such laws or regulations, could  
have an impact on the provision for income tax and the effective tax rate. Any
such changes could significantly affect the amounts reported in the financial 
statements in the year these changes occur.                                   

The Company determines whether it is more likely than not that a tax      
position will be sustained upon examination by the appropriate taxing         
authorities before any part of the benefit can be recorded in the financial   
statements. A tax position is measured at the largest amount of benefit that  
is greater than 50% likely of being realized upon settlement. Unrecognized tax
benefits due to tax uncertainties that do not meet the threshold are included 
within other liabilities and are charged to earnings in the period that such  
determination is made.                                                        

  The Company classifies interest recognized as interest expense and penalties
recognized as a component of income tax.                                      

Litigation Contingencies                                                      

The Company is a party to a number of legal actions and is involved in a  
number of regulatory investigations. Given the inherent unpredictability of   
these matters, it is difficult to estimate the impact on the Company's        
financial position. Liabilities are established when it is probable that a    
loss has been incurred and the amount of the loss can be reasonably estimated.
Legal costs are recognized as incurred. On a quarterly and annual basis, the  
Company reviews relevant information with respect to liabilities for          
litigation, regulatory investigations and litigation-related contingencies to 
be reflected in the Company's financial statements.                           

Other Accounting Policies                                                     

Cash and Cash Equivalents                                                   

The Company considers all highly liquid securities and other investments
purchased with an original or remaining maturity of three months or less at 
the date of purchase to be cash equivalents. Cash equivalents are stated at 
amortized cost, which approximates estimated fair value.                    

Property, Equipment, Leasehold Improvements and Computer Software           

   Property, equipment and leasehold improvements, which are included in other
assets, are stated at cost, less accumulated depreciation and amortization. 
Depreciation is determined using the straight-line method over the estimated
useful lives of the assets, as appropriate. Estimated lives generally range 
from five to 10 years for leasehold improvements, and from three to seven   
years for all other property and equipment. The net book value of the       
property, equipment and leasehold improvements was insignificant at both    
December 31, 2014 and 2013.                                                 

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MetLife Insurance Company USA 
(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)                                                            

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 $235 million and $215 million
at December 31, 2014 and 2013, respectively. Accumulated amortization of    
capitalized software was $107 million and $105 million at December 31, 2014 
and 2013, respectively. Related amortization expense was $2 million, $7     
 million and $12 million for the years ended December 31, 2014, 2013 and 2012,
respectively.                                                               

Other Revenues                                                              

  Other revenues primarily include, in addition to items described elsewhere
  herein, fee income on financial reinsurance agreements and broker-dealer fees.

Foreign Currency                                                            

 Assets, liabilities and operations of foreign affiliates and subsidiaries
are recorded based on the functional currency of each entity. The           
determination of the functional currency is made based on the appropriate   
economic and management indicators. The local currencies of foreign         
operations are the functional currencies. Assets and liabilities of foreign 
affiliates and subsidiaries are translated from the functional currency to  
U.S. dollars at the exchange rates in effect at each year-end and income and
expense accounts are translated at the average exchange rates during the    
year. The resulting translation adjustments are charged or credited directly
to OCI, net of applicable taxes. Gains and losses from foreign currency     
transactions, including the effect of re-measurement of monetary assets and 
liabilities to the appropriate functional currency, are reported as part of 
net investment gains (losses) in the period in which they occur.            

Adoption of New Accounting Pronouncements                                       

Effective November 18, 2014, the Company adopted new guidance on when, if   
ever, the cost of acquiring an entity should be used to establish a new         
accounting basis ("pushdown") in the acquired entity's separate financial       
statements. The guidance provides an acquired entity and its subsidiaries with  
an irrevocable option to apply pushdown accounting in its separate financial    
statements upon occurrence of an event in which an acquirer obtains control of  
the acquired entity. If a reporting entity elects to apply pushdown accounting, 
its stand-alone financial statements would reflect the acquirer's new basis in  
the acquired entity's assets and liabilities. The election to apply pushdown    
accounting should be determined by an acquired entity for each individual       
change-in-control event in which an acquirer obtains control of the acquired    
entity; however, an entity that does not elect to apply pushdown accounting in  
the period of a change-in-control can later elect to retrospectively apply      
pushdown accounting to the most recent change-in-control transaction as a       
change in accounting principle. The new guidance did not have a material impact 
on the financial statements upon adoption.                                      

Effective January 1, 2014, the Company early adopted new guidance regarding 
reporting of discontinued operations and disclosures of disposals of components 
of an entity. The guidance increases the threshold for a disposal to qualify as 
a discontinued operation, expands the disclosures for discontinued operations   
and requires new disclosures for certain disposals that do not meet the         
definition of a discontinued operation. Disposals must now represent a          
strategic shift that has or will have a major effect on the entity's operations 
and financial results to qualify as discontinued operations. As discussed in    
Note 4, the Company sold its wholly-owned subsidiary,                           

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

MetLife Assurance Limited ("MAL"). As a result of the adoption of this new      
guidance, the results of operations of MAL and the loss on sale have been       
included in income from continuing operations.                                  

Effective July 17, 2013, the Company adopted guidance regarding derivatives 
that permits the Fed Funds Effective Swap Rate (or Overnight Index Swap Rate)   
to be used as a U.S. benchmark interest rate for hedge accounting purposes, in  
addition to the United States Treasury and London Interbank Offered Rate        
("LIBOR"). Also, this new guidance removes the restriction on using different   
benchmark rates for similar hedges. The new guidance did not have a material    
impact on the financial statements upon adoption.                               

Effective January 1, 2013, the Company adopted guidance regarding           
comprehensive income that requires an entity to provide information about the   
amounts reclassified out of accumulated OCI ("AOCI") by component. In addition, 
an entity is required to present, either on the face of the statement where net 
income is presented or in the notes, significant amounts reclassified out of    
AOCI by the respective line items of net income but only if the amount          
reclassified is required under GAAP to be reclassified to net income in its     
entirety in the same reporting period. For other amounts that are not required  
under GAAP to be reclassified in their entirety to net income, an entity is     
required to cross-reference to other disclosures required under GAAP that       
provide additional detail about those amounts. The adoption was prospectively   
applied and resulted in additional disclosures in Note 13.                      

Effective January 1, 2013, the Company adopted guidance regarding balance   
sheet offsetting disclosures which requires an entity to disclose information   
about offsetting and related arrangements for derivatives, including bifurcated 
embedded derivatives, repurchase and reverse repurchase agreements, and         
securities borrowing and lending transactions, to enable users of its financial 
statements to understand the effects of those arrangements on its financial     
position. Entities are required to disclose both gross information and net      
information about both instruments and transactions eligible for offset in the  
statement of financial position and instruments and transactions subject to an  
agreement similar to a master netting arrangement. The adoption was             
retrospectively applied and resulted in additional disclosures related to       
derivatives in Note 9.                                                          

On January 1, 2012, the Company adopted guidance regarding accounting for   
DAC, which was retrospectively applied. The guidance specifies that only costs  
related directly to successful acquisition of new or renewal contracts can be   
capitalized as DAC; all other acquisition-related costs must be expensed as     
incurred. As a result, certain sales manager compensation and administrative    
costs previously capitalized by the Company will no longer be deferred.         

On January 1, 2012, the Company adopted guidance regarding comprehensive    
income, which was retrospectively applied, that provides companies with the     
option to present the total of comprehensive income, components of net income,  
and the components of OCI either in a single continuous statement of            
comprehensive income or in two separate but consecutive statements in annual    
financial statements. The standard eliminates the option to present components  
of OCI as part of the statement of changes in stockholder's equity. The Company 
adopted the two-statement approach for annual financial statements.             

Effective January 1, 2012, the Company adopted guidance on goodwill         
impairment testing that simplifies how an entity tests goodwill for impairment. 
This new guidance allows an entity to first assess qualitative factors to       
determine whether it is more likely than not that the fair value of a reporting 
unit is less than its carrying value as a basis for determining whether it      
needs to perform the quantitative two-step goodwill impairment test. Only if an 
entity determines, based on qualitative assessment, that it is more likely than 
not that a reporting unit's fair value                                          

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MetLife Insurance Company USA 
(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)                                                            

is less than its carrying value will it be required to calculate the fair value 
of the reporting unit. The qualitative assessment is optional and the Company   
is permitted to bypass it for any reporting unit in any period and begin its    
impairment analysis with the quantitative calculation. The Company is permitted 
to perform the qualitative assessment in any subsequent period.                 

Effective January 1, 2012, the Company adopted guidance regarding fair value
measurements that establishes common requirements for measuring fair value and  
for disclosing information about fair value measurements in accordance with     
GAAP and International Financial Reporting Standards. Some of the amendments    
clarify the Financial Accounting Standards Board's ("FASB") intent on the       
application of existing fair value measurement requirements. Other amendments   
change a particular principle or requirement for measuring fair value or for    
disclosing information about fair value measurements. The adoption did not have 
a material impact on the Company's financial statements other than the expanded 
disclosures in Note 10.                                                         

Future Adoption of New Accounting Pronouncements                                

In February 2015, the FASB issued new guidance to improve consolidation     
guidance for legal entities (Accounting Standards Update ("ASU") 2015-02,       
Consolidation (Topic 810): Amendments to the Consolidation Analysis), effective 
for fiscal years beginning after December 15, 2015 and interim periods within   
those years and early adoption is permitted. The new standard is intended to    
improve targeted areas of the consolidation guidance for legal entities such as 
limited partnerships, limited liability corporations, and securitization        
structures. The amendments in the ASU affect the consolidation evaluation for   
reporting organizations. In addition, the amendments in this ASU simplify and   
improve current GAAP by reducing the number of consolidation models. The        
Company is currently evaluating the impact of this guidance on its consolidated 
financial statements.                                                           

In June 2014, the FASB issued new guidance on transfers and servicing (ASU  
2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity            
Transactions, Repurchase Financings, and Disclosure), effective prospectively   
for fiscal years beginning after December 15, 2014 and interim periods within   
those years. The new guidance requires that repurchase-to-maturity transactions 
and repurchase financing arrangements be accounted for as secured borrowings    
and provides for enhanced disclosures, including the nature of collateral       
pledged and the time to maturity. Certain interim period disclosures for        
repurchase agreements and securities lending transactions are not required      
until the second quarter of 2015. The adoption of this new guidance will not    
have a material impact on the Company's consolidated financial statements.      

 In May 2014, the FASB issued a comprehensive new revenue recognition standard
(ASU 2014-09, Revenue from Contracts with Customers (Topic 606)), effective     
retrospectively for fiscal years beginning after December 15, 2016 and interim  
periods within those years. Early adoption of this standard is not permitted.   
The new guidance will supersede nearly all existing revenue recognition         
guidance under GAAP; however, it will not impact the accounting for insurance   
contracts, leases, financial instruments and guarantees. For those contracts    
that are impacted by the new guidance, the guidance will require an entity to   
recognize revenue upon the transfer of promised goods or services to customers  
in an amount that reflects the consideration to which the entity expects to be  
entitled, in exchange for those goods or services. The Company is currently     
evaluating the impact of this guidance on its consolidated financial statements.

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MetLife Insurance Company USA 
(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 January 2014, the FASB issued new guidance regarding investments (ASU    
2014-01, Investments -- Equity Method and Joint Ventures (Topic 323):           
Accounting for Investments in Qualified Affordable Housing Projects), effective 
retrospectively for fiscal years beginning after December 15, 2014 and interim  
reporting periods within those years. The new guidance is applicable to         
investments in flow-through limited liability entities that manage or invest in 
affordable housing projects that qualify for the low-income housing tax credit. 
Under the guidance, an entity that meets certain conditions is permitted to     
make an accounting policy election to amortize the initial cost of its          
investment in proportion to the tax credits and other tax benefits received,    
and recognize the net investment performance on the statement of operations as  
a component of income tax expense (benefit). The adoption of this new guidance  
will not have an impact on the Company's consolidated financial statements.     

2. Segment Information                                                          

The Company is organized into two segments: Retail and Corporate Benefit    
Funding. In addition, the Company reports certain of its results of operations  
in Corporate & Other.                                                           

Retail                                                                          

The Retail segment offers a broad range of protection products and a variety
of annuities primarily to individuals, and is organized into two businesses:    
Annuities and Life & Other. Annuities includes a variety of variable, fixed and 
equity index-linked annuities which provide for both asset accumulation and     
asset distribution needs. Life & Other insurance products and services include  
variable life, universal life, term life and whole life products, as well as    
individual disability income products. Additionally, through broker-dealer      
affiliates, the Company offers a full range of mutual funds and other           
securities products.                                                            

Corporate Benefit Funding                                                       

The Corporate Benefit Funding segment offers a broad range of annuity and   
investment products, including guaranteed interest products and other stable    
value products, income annuities, and separate account contracts for the        
investment management of defined benefit and defined contribution plan assets.  
This segment also includes structured settlements and certain products to fund  
company-, bank- or trust-owned life insurance used to finance non-qualified     
benefit programs for executives.                                                

Corporate & Other                                                               

Corporate & Other contains the excess capital not allocated to the segments,
various start-up businesses (including direct and digital marketing products),  
run-off businesses, the Company's ancillary international operations and        
interest expense related to the majority of the Company's outstanding debt, as  
well as expenses associated with certain legal proceedings and income tax audit 
issues. Corporate & Other also includes assumed reinsurance of certain variable 
annuity products from a former affiliated operating joint venture in Japan.     
Under this in-force reinsurance agreement, the Company reinsures living and     
death benefit guarantees issued in connection with variable annuity products.   
Additionally, Corporate & Other includes a reinsurance agreement to assume      
certain blocks of indemnity reinsurance from an affiliate. These reinsurance    
agreements were recaptured effective November 1, 2014. Corporate & Other also   
includes the elimination of intersegment amounts.                               

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

Financial Measures and Segment Accounting Policies                              

Operating earnings is the measure of segment profit or loss the Company uses
to evaluate segment performance and allocate resources. Consistent with GAAP    
guidance for segment reporting, operating earnings is the Company's measure of  
segment performance and is reported below. Operating earnings should not be     
viewed as a substitute for income (loss) from continuing operations, net of     
income tax. The Company believes the presentation of operating earnings as the  
Company measures it for management purposes enhances the understanding of its   
performance by highlighting the results of operations and the underlying        
profitability drivers of the business.                                          

Operating earnings is defined as operating revenues less operating expenses,
both net of income tax.                                                         

Operating revenues and operating expenses exclude results of discontinued   
operations and other businesses that have been or will be sold or exited by the 
Company and are referred to as divested businesses. Operating revenues also     
excludes net investment gains (losses) and net derivative gains (losses).       
Operating expenses also excludes goodwill impairments.                          

The following additional adjustments are made to GAAP revenues, in the line 
items indicated, in calculating operating revenues:                             

.  Universal life and investment-type product policy fees excludes the        
 amortization of unearned revenue related to net investment gains (losses)
and net derivative gains (losses) and certain variable annuity GMIB fees
("GMIB Fees"); and                                                      

.  Net investment income: (i) includes amounts for scheduled periodic         
settlement payments and amortization of premium on derivatives that are 
hedges of investments or that are used to replicate certain investments,
but do not qualify for hedge accounting treatment, (ii) includes income 
   from discontinued real estate operations, (iii) excludes post-tax operating
earnings adjustments relating to insurance joint ventures accounted for 
under the equity method, (iv) excludes certain amounts related to       
 contractholder-directed unit-linked investments, and (v) excludes certain
   amounts related to securitization entities that are VIEs consolidated under
GAAP.                                                                   

The following additional adjustments are made to GAAP expenses, in the line 
items indicated, in calculating operating expenses:                             

.  Policyholder benefits and claims excludes: (i) amounts associated with     
periodic crediting rate adjustments based on the total return of a      
contractually referenced pool of assets, (ii) benefits and hedging costs
related to GMIBs ("GMIB Costs"), and (iii) market value adjustments     
associated with surrenders or terminations of contracts ("Market Value  
Adjustments");                                                          

.  Interest credited to policyholder account balances includes adjustments for
scheduled periodic settlement payments and amortization of premium on   
   derivatives that are hedges of PABs but do not qualify for hedge accounting
 treatment and excludes amounts related to net investment income earned on
contractholder-directed unit-linked investments;                        

.  Amortization of DAC and VOBA excludes amounts related to: (i) net          
   investment gains (losses) and net derivative gains (losses), (ii) GMIB Fees
and GMIB Costs, and (iii) Market Value Adjustments;                     

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

.  Interest expense on debt excludes certain amounts related to securitization
entities that are VIEs consolidated under GAAP; and                     

.  Other expenses excludes costs related to: (i) implementation of new        
insurance regulatory requirements, and (ii) acquisition and integration 
costs.                                                                  

In the first quarter of 2014, the Company began reporting the operations of 
MAL as divested business. See Note 4.                                           

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, 2014, 2013 and 2012 and at December 31, 2014 and 2013. The segment 
accounting policies are the same as those used to prepare the Company's         
consolidated financial statements, except for operating earnings adjustments as 
defined above. In addition, segment accounting policies include the method of   
capital allocation described below.                                             

Economic capital is an internally developed risk capital model, the purpose 
of which is to measure the risk in the business and to provide a basis upon     
which capital is deployed. The economic capital model accounts for the unique   
and specific nature of the risks inherent in MetLife, Inc.'s and the Company's  
business.                                                                       

MetLife, Inc.'s economic capital model aligns segment allocated equity with 
emerging standards and consistent risk principles. The model applies            
statistics-based risk evaluation principles to the material risks to which the  
Company is exposed. These consistent risk principles include calibrating        
required economic capital shock factors to a specific confidence level and time 
horizon and applying an industry standard method for the inclusion of           
diversification benefits among risk types. MetLife, Inc.'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, operating earnings or income      
(loss) from continuing operations, net of income tax.                           

Net investment income is based upon the actual results of each segment's    
specifically identifiable investment portfolios adjusted for allocated equity.  
Other costs are allocated to each of the segments based upon: (i) a review of   
the nature of such costs; (ii) time studies analyzing the amount of employee    
compensation costs incurred by each segment; and (iii) cost estimates included  
in the Company's product pricing.                                               

Effective January 1, 2015, the Company implemented certain segment reporting
changes related to the measurement of segment operating earnings, including     
revising the Company's capital allocation methodology. The changes will be      
applied retrospectively beginning with the first quarter of 2015. The changes   
will not impact total consolidated operating earnings or net income.            

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                    Operating Results                                    
                                                         ---------------------------------------                         
                                                                   Corporate                                             
                                                                    Benefit   Corporate                         Total    
Year Ended December 31, 2014                              Retail  Funding (1)  & Other   Total   Adjustments Consolidated
-------------------------------------------------------- -------- ----------- --------- -------- ----------- ------------
                                                                                  (In millions)                          
                                                                                                                         
Revenues                                                                                                                 
Premiums................................................ $  1,080   $  (26)    $    96  $  1,150 $        2   $    1,152 
Universal life and investment-type product policy fees..    2,700        33        146     2,879        314        3,193 
Net investment income...................................    2,062       896      (211)     2,747       (78)        2,669 
Other revenues..........................................      532         5          1       538          1          539 
Net investment gains (losses)...........................       --        --         --        --      (469)        (469) 
Net derivative gains (losses)...........................       --        --         --        --      (181)        (181) 
                                                         --------   -------    -------  -------- ----------   ---------- 
  Total revenues........................................    6,374       908         32     7,314      (411)        6,903 
                                                         --------   -------    -------  -------- ----------   ---------- 
Expenses                                                                                                                 
Policyholder benefits and claims........................    1,768       390         55     2,213        551        2,764 
Interest credited to policyholder account balances......      943       116         --     1,059          3        1,062 
Goodwill impairment.....................................       --        --         --        --         33           33 
Capitalization of DAC...................................    (221)       (1)       (57)     (279)         --        (279) 
Amortization of DAC and VOBA............................      678         2         22       702        288          990 
Interest expense on debt................................        5        --         68        73         36          109 
Other expenses..........................................    1,722        28        172     1,922         12        1,934 
                                                         --------   -------    -------  -------- ----------   ---------- 
  Total expenses........................................    4,895       535        260     5,690        923        6,613 
                                                         --------   -------    -------  -------- ----------   ---------- 
Provision for income tax expense (benefit)..............      518       129      (227)       420      (425)          (5) 
                                                         --------   -------    -------  --------              ---------- 
Operating earnings...................................... $    961   $   244    $   (1)     1,204                         
                                                         ========   =======    =======                                   
Adjustments to:.........................................                                                                 
  Total revenues........................................                                   (411)                         
  Total expenses........................................                                   (923)                         
  Provision for income tax (expense) benefit............                                     425                         
                                                                                        --------                         
Income (loss) from continuing operations, net of income                                                                  
 tax....................................................                                $    295              $      295 
                                                                                        ========              ========== 

--------                                                                        

(1)Premiums and policyholder benefits and claims both include ($87) million of  
 ceded reinsurance with MLIC related to merger transactions. See Notes 3 and
7.                                                                        

                                                                [Download Table]

                                         Corporate                     
                                          Benefit  Corporate           
At December 31, 2014            Retail    Funding   & Other    Total   
----------------------------- ---------- --------- --------- ----------
                                            (In millions)              
                                                                       
Total assets................. $  175,336 $  25,080 $  5,447  $  205,863
Separate account assets...... $  106,667 $   2,194 $     --  $  108,861
Separate account liabilities. $  106,667 $   2,194 $     --  $  108,861

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                   Operating Results                                   
                                                         -------------------------------------                         
                                                                  Corporate                                            
                                                                   Benefit  Corporate                         Total    
Year Ended December 31, 2013                              Retail   Funding   & Other   Total   Adjustments Consolidated
-------------------------------------------------------- -------- --------- --------- -------- ----------- ------------
                                                                                 (In millions)                         
                                                                                                                       
Revenues                                                                                                               
Premiums................................................ $    469 $     92  $     36  $    597 $       92  $       689 
Universal life and investment-type product policy fees..    2,648       35       179     2,862        268        3,130 
Net investment income...................................    2,019    1,002     (151)     2,870        129        2,999 
Other revenues..........................................      605        5        --       610         --          610 
Net investment gains (losses)...........................       --       --        --        --         27           27 
Net derivative gains (losses)...........................       --       --        --        --        441          441 
                                                         -------- --------  --------  -------- ----------  ----------- 
  Total revenues........................................    5,741    1,134        64     6,939        957        7,896 
                                                         -------- --------  --------  -------- ----------  ----------- 
Expenses                                                                                                               
Policyholder benefits and claims........................    1,087      527        13     1,627      1,520        3,147 
Interest credited to policyholder account balances......    1,034      139        --     1,173        (5)        1,168 
Goodwill impairment.....................................       --       --        --        --         66           66 
Capitalization of DAC...................................    (483)      (2)      (27)     (512)         --        (512) 
Amortization of DAC and VOBA............................      586        5         1       592      (387)          205 
Interest expense on debt................................        5       --        68        73        122          195 
Other expenses..........................................    1,935       17        78     2,030         19        2,049 
                                                         -------- --------  --------  -------- ----------  ----------- 
  Total expenses........................................    4,164      686       133     4,983      1,335        6,318 
                                                         -------- --------  --------  -------- ----------  ----------- 
Provision for income tax expense (benefit)..............      585      156     (129)       612      (175)          437 
                                                         -------- --------  --------  --------             ----------- 
Operating earnings...................................... $    992 $    292  $     60     1,344                         
                                                         ======== ========  ========                                   
Adjustments to:                                                                                                        
  Total revenues........................................                                   957                         
  Total expenses........................................                               (1,335)                         
  Provision for income tax (expense) benefit............                                   175                         
                                                                                      --------                         
Income (loss) from continuing operations, net of income                                                                
 tax....................................................                              $  1,141             $     1,141 
                                                                                      ========             =========== 
                                                                [Download Table]

                                         Corporate                     
                                          Benefit  Corporate           
At December 31, 2013            Retail    Funding   & Other    Total   
----------------------------- ---------- --------- --------- ----------
                                            (In millions)              
                                                                       

Total assets................. $  171,355 $  31,300 $  8,646  $  211,301
Separate account assets...... $  107,726 $   2,088 $     --  $  109,814
Separate account liabilities. $  107,726 $   2,088 $     --  $  109,814

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

                                                        [Enlarge/Download Table]

                                                                     Operating Results                                     
                                                         -----------------------------------------                         
                                                                    Corporate                                              
                                                                     Benefit  Corporate                           Total    
Year Ended December 31, 2012                               Retail    Funding   & Other    Total    Adjustments Consolidated
-------------------------------------------------------- ---------- --------- --------- ---------- ----------- ------------
                                                                                   (In millions)                           
                                                                                                                           
Revenues                                                                                                                   
Premiums................................................ $      571  $     73  $  1,015 $    1,659 $       556  $     2,215
Universal life and investment-type product policy fees..      2,530        29       195      2,754         260        3,014
Net investment income...................................      1,828     1,016      (19)      2,825         235        3,060
Other revenues..........................................        621         5        --        626          --          626
Net investment gains (losses)...........................         --        --        --         --         190          190
Net derivative gains (losses)...........................         --        --        --         --     (2,345)      (2,345)
                                                         ----------  --------  -------- ---------- -----------  -----------
  Total revenues........................................      5,550     1,123     1,191      7,864     (1,104)        6,760
                                                         ----------  --------  -------- ---------- -----------  -----------
Expenses                                                                                                                   
Policyholder benefits and claims........................      1,001       496     1,101      2,598       1,723        4,321
Interest credited to policyholder account balances......      1,073       166        --      1,239          42        1,281
Goodwill impairment.....................................         --        --        --         --         394          394
Capitalization of DAC...................................      (869)       (5)      (34)      (908)          --        (908)
Amortization of DAC and VOBA............................        720        10         3        733           1          734
Interest expense on debt................................          5        --       149        154         163          317
Other expenses..........................................      2,371        21        77      2,469          24        2,493
                                                         ----------  --------  -------- ---------- -----------  -----------
  Total expenses........................................      4,301       688     1,296      6,285       2,347        8,632
                                                         ----------  --------  -------- ---------- -----------  -----------
Provision for income tax expense (benefit)..............        433       151     (111)        473     (1,286)        (813)
                                                         ----------  --------  -------- ----------              -----------
Operating earnings...................................... $      816  $    284  $      6      1,106                         
                                                         ==========  ========  ========                                    
Adjustments to:                                                                                                            
  Total revenues........................................                                   (1,104)                         
  Total expenses........................................                                   (2,347)                         
  Provision for income tax (expense) benefit............                                     1,286                         
                                                                                        ----------                         
Income (loss) from continuing operations, net of income                                                                    
 tax....................................................                                $  (1,059)              $   (1,059)
                                                                                        ==========              ===========

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, 
                               --------------------------
                                 2014     2013     2012  
                               -------- -------- --------
                                     (In millions)       
                                                         
Annuities..................... $  3,926 $  3,486 $  4,739
Life insurance................      953      937    1,109
Accident and health insurance.        5        6        7
                               -------- -------- --------
 Total........................ $  4,884 $  4,429 $  5,855
                               ======== ======== ========

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

2. Segment Information (continued)                                              

The following table presents total premiums, universal life and             
investment-type product policy fees and other revenues associated with the      
Company's U.S. and foreign operations:                                          

                                                                [Download Table]

                  Years Ended December 31, 
                 --------------------------
                   2014     2013     2012  
                 -------- -------- --------
                       (In millions)       
                                           
U.S............. $  4,712 $  4,158 $  4,089
Foreign:                                   
 United Kingdom.       63      128    1,608
 Other..........      109      143      158
                 -------- -------- --------
   Total........ $  4,884 $  4,429 $  5,855
                 ======== ======== ========

Revenues derived from any customer did not exceed 10% of consolidated       
premiums, universal life and investment-type product policy fees and other      
revenues for the years ended December 31, 2014, 2013 and 2012.                  

3. Mergers                                                                      

In November 2014, MetLife Insurance Company of Connecticut, a wholly-owned  
subsidiary of MetLife, Inc., re-domesticated from Connecticut to Delaware,      
changed its name to MetLife Insurance Company USA and merged with its           
subsidiary, MLI-USA, and its affiliate, MLIIC, each a U.S. insurance company    
that issued variable annuity products in addition to other products, and        
Exeter, a former offshore, reinsurance subsidiary of MetLife, Inc. and          
affiliate of MICC that mainly reinsured guarantees associated with variable     
annuity products (the "Mergers"). The surviving entity of the Mergers was       
MetLife USA. Exeter, formerly a Cayman Islands company, was re-domesticated to  
Delaware in October 2013. Prior to the Mergers, 40,000,000 authorized shares of 
common stock, of which 30,000,000 shares were issued and outstanding, were      
converted to 4,000 authorized shares of common stock, of which 3,000 shares     
were issued and outstanding.                                                    

Prior to the Mergers, effective January 1, 2014, following receipt of New   
York State Department of Financial Services (the "Department of Financial       
Services") approval, MetLife Insurance Company of Connecticut withdrew its      
license to issue insurance policies and annuity contracts in New York. Also     
effective January 1, 2014, MetLife Insurance Company of Connecticut reinsured   
with MLIC, an affiliate, all existing New York insurance policies and annuity   
contracts that include a separate account feature and deposited investments     
with an estimated fair market value of $6.3 billion into a custodial account to 
secure MetLife Insurance Company of Connecticut's remaining New York            
policyholder liabilities not covered by such reinsurance. Also prior to the     
Mergers, certain risks ceded to Exeter were recaptured. See Note 7 for          
information regarding additional reinsurance transactions. See Notes 8, 9 and   
11 for information regarding additional transactions in connection with the     
Mergers.                                                                        

The Mergers represent a transaction among entities under common control and 
have been accounted for in a manner similar to the pooling-of-interests method, 
which requires that the merged entities be combined at their historical cost.   
The Company's consolidated financial statements and related footnotes are       
presented as if the transaction occurred at the beginning of the earliest date  
presented and the prior periods have been retrospectively adjusted.             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

3. Mergers (continued)                                                          

Information regarding adjustments to stockholder's equity upon the          
consummation of the Mergers is as follows:                                      

                                                        [Enlarge/Download Table]

                                                                             Accumulated               
                                                       Additional Retained      Other         Total    
                                               Common   Paid-in   Earnings  Comprehensive Stockholder's
                                               Stock    Capital   (Deficit)    Income        Equity    
                                               ------- ---------- --------- ------------- -------------
                                                                    (In millions)                      
                                                                                                       
Balance of MICC's equity at January 1, 2012... $    86 $   6,673  $  1,081   $    1,771     $   9,611  
Balance of MLIIC's equity at January 1, 2012..       6       636       541           35         1,218  
Balance of Exeter's equity at January 1, 2012.      13     1,253     (801)           49           514  
Mergers adjustments (1).......................    (19)        20       213           --           214  
                                               ------- ---------  --------   ----------     ---------  
Balance of MetLife USA's equity at January 1,                                                          
  2012........................................ $    86 $   8,582  $  1,034   $    1,855     $  11,557  
                                               ======= =========  ========   ==========     =========  

--------                                                                        

(1)Includes a reclassification from common stock to additional paid-in capital  
  to eliminate MLIIC's and Exeter's common stock and an adjustment to retained
 earnings to eliminate reinsurance transactions among the merging companies.

During 2012, Exeter issued $2.0 billion of preferred stock to MetLife, Inc. 
in exchange for MetLife, Inc.'s assumption of $2.0 billion of Exeter's senior   
notes. In November 2014, upon the consummation of the Mergers, the outstanding  
preferred stock of Exeter was canceled. Consequently, MetLife, Inc.'s preferred 
capital stock investment was added to its common capital stock investment in    
MetLife USA. See Note 13 for information regarding additional equity            
transactions.                                                                   

4. Dispositions                                                                 

2014 Disposition                                                                

In May 2014, the Company completed the sale of its wholly-owned subsidiary, 
MAL, for $702 million ((Pounds)418 million) in net cash consideration. As a     
result of the sale, a loss of $608 million ($436 million, net of income tax),   
was recorded for the year ended December 31, 2014, which includes a reduction   
to goodwill of $112 million ($94 million, net of income tax). The loss is       
reflected within net investment gains (losses) on the consolidated statements   
of operations and comprehensive income (loss). Compared to the expected loss at 
the time of the sales agreement, the actual loss on the sale was increased by   
net income from MAL of $77 million for the year ended December 31, 2014. MAL's  
results of operations are included in continuing operations. They were          
historically included in the Corporate Benefit Funding segment.                 

2012 Disposition                                                                

In June 2012, the Company distributed all of the issued and outstanding     
shares of common stock of its wholly-owned subsidiary, MetLife Europe to its    
stockholders as an in-kind dividend. The net book value of MetLife Europe at    
the time of the dividend was $290 million which was recorded as a dividend of   
retained earnings of $347 million and an increase to OCI of $57 million, net of 
income tax. As of the date of dividend, the Company                             

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

4. Dispositions (continued)                                                     

no longer consolidates the assets, liabilities and operations of MetLife        
Europe. The net income of MetLife Europe was not material to the Company for    
the periods prior to the dividend. The results of MetLife Europe were reported  
in Corporate & Other.                                                           

Discontinued Operations                                                         

The following table summarizes the amounts that have been reflected as      
discontinued operations in the consolidated statements of operations. Income    
(loss) from discontinued operations includes real estate classified as          
held-for-sale or sold.                                                          

                                                        [Enlarge/Download Table]

                                                               Year Ended December 31, 2012
                                                               ----------------------------
                                                                      (In millions)        
                                                                                           
Total revenues................................................        $                  12
Total expenses................................................                           --
                                                                      ---------------------
Income (loss) before provision for income tax.................                           12
Provision for income tax expense (benefit)....................                            4
                                                                      ---------------------
Income (loss) from discontinued operations, net of income tax.        $                   8
                                                                      =====================

There was no income (loss) from discontinued operations, net of income tax, 
for both of the years ended December 31, 2014 and 2013.                         

5. Insurance                                                                    

Insurance Liabilities                                                           

Insurance liabilities, including affiliated insurance liabilities on        
reinsurance assumed and ceded, are comprised of future policy benefits, PABs    
and other policy-related balances. Information regarding insurance liabilities  
by segment, as well as Corporate & Other, was as follows at:                    

                                                                [Download Table]

                              December 31,    
                           -------------------
                             2014      2013   
                           --------- ---------
                              (In millions)   
                                              
Retail.................... $  42,974 $  41,020
Corporate Benefit Funding.    17,544    22,627
Corporate & Other.........     6,767     8,475
                           --------- ---------
 Total.................... $  67,285 $  72,122
                           ========= =========

See Note 7 for discussion of affiliated reinsurance liabilities included in 
the table above.                                                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

5. 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
                                   of 4%, 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      
                                  expected future benefit payments and
                               related expenses less the present
                          value of expected future net
                                   premiums. Assumptions as to mortality
                                and persistency are based upon the
                                 Company's experience when the basis
                              of the liability is established.
                               Interest rate assumptions for the
                             aggregate future policy benefit
                              liabilities range from 3% to 8%.
--------------------------------------------------------------------------- 
Individual and group traditional     Present value of expected future       
fixed annuities after annuitization  payments. Interest rate assumptions    
                                   used in establishing such liabilities
                  range from 4% to 8%.
--------------------------------------------------------------------------- 
Non-medical health insurance         The net level premium method and       
                                 assumptions as to future morbidity,
                             withdrawals and interest, which
                          provide a margin for adverse
                                  deviation. Interest rate assumptions
                                   used in establishing such liabilities
                  range from 4% to 7%.
--------------------------------------------------------------------------- 
Disabled lives                       Present value of benefits method and   
                                experience assumptions as to claim
                                  terminations, expenses and interest.
                               Interest rate assumptions used in
                                 establishing such liabilities range
            from 3% to 7%.
--------------------------------------------------------------------------- 

Participating business represented 6% and 3% of the Company's life insurance
in-force at December 31, 2014 and 2013, respectively. Participating policies    
represented 39%, 36% and 28% of gross life insurance premiums for the years     
ended December 31, 2014, 2013 and 2012, respectively.                           

PABs are equal to: (i) policy account values, which consist of an           
accumulation of gross premium payments; (ii) credited interest, ranging from 1% 
to 8%, less expenses, mortality charges and withdrawals; and (iii) fair value   
adjustments relating to business combinations.                                  

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Notes to the Consolidated Financial Statements -- (Continued) 

5. Insurance (continued)                                                        

Guarantees                                                                      

The Company issues variable annuity products with guaranteed minimum        
benefits. The non-life contingent portion of GMWBs and the portion of certain   
GMIBs that does not require annuitization are accounted for as embedded         
derivatives in PABs and are further discussed in Note 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        
          death even if the account value is    excess of the projected account balance          
          reduced to zero.                      recognizing the excess ratably over the          
                                                accumulation period based on the present         
                                                value of total expected assessments.             

       .  An enhanced death benefit may be    Assumptions are consistent with those used         
          available for an additional fee.      for amortizing DAC, and are thus subject to      
                                                the same variability and risk.                   

                                              Investment performance and volatility              
                                                assumptions are consistent with the historical   
                                                experience of the appropriate underlying         
                                                equity index, such as the S&P 500 Index.         

                                              Benefit assumptions are based on the average       
                                                benefits payable over a range of scenarios.      
-------------------------------------------------------------------------------------------------
GMIBs  .  After a specified period of time    Present value of expected income benefits in       
          determined at the time of issuance    excess of the projected account balance at       
          of the variable annuity contract,     any future date of annuitization and             
          a minimum accumulation of purchase    recognizing the excess ratably over the          
          payments, even if the account         accumulation period based on present value       
          value is reduced to zero, that can    of total expected assessments.                   
          be annuitized to receive a monthly                                                     
          income stream that is not less                                                         
          than a specified amount.                                                               
       .  Certain contracts also provide for  Assumptions are consistent with those used         
          a guaranteed lump sum return of       for estimating GMDB liabilities.                 
          purchase premium in lieu of the                                                        
          annuitization benefit.                                                                 

                                              Calculation incorporates an assumption for         
                                                the percentage of the potential annuitizations   
                                                that may be elected by the contractholder.       
-------------------------------------------------------------------------------------------------
GMWBs. .  A return of purchase payment via    Expected value of the life contingent              
          partial withdrawals, even if the      payments and expected assessments using          
          account value is reduced to zero,     assumptions consistent with those used for       
          provided that cumulative              estimating the GMDB liabilities.                 
          withdrawals in a contract year do                                                      
          not exceed a certain limit.                                                            

       .  Certain contracts include                                                              
          guaranteed withdrawals that are                                                        
          life contingent.                                                                       

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Notes to the Consolidated Financial Statements -- (Continued) 

5. Insurance (continued)                                                        

Information regarding the liabilities for guarantees (excluding base policy 
liabilities and embedded derivatives) relating to annuity and universal and     
variable life contracts was as follows:                                         

                                                                [Download Table]

                                                     Universal and          
                                                     Variable Life          
                                  Annuity Contracts    Contracts            
                                  ------------------ -------------          
                                                       Secondary            
                                   GMDBs     GMIBs    Guarantees     Total  
                                  -------- --------- ------------- ---------
                                                (In millions)               
                                                                            
Direct                                                                      
Balance at January 1, 2012....... $    180 $     528     $   1,036 $   1,744
Incurred guaranteed benefits.....      119       499           332       950
Paid guaranteed benefits.........     (39)        --            --      (39)
                                  -------- ---------     --------- ---------
Balance at December 31, 2012.....      260     1,027         1,368     2,655
Incurred guaranteed benefits.....      166       128           416       710
Paid guaranteed benefits.........     (22)        --            --      (22)
                                  -------- ---------     --------- ---------
Balance at December 31, 2013.....      404     1,155         1,784     3,343
Incurred guaranteed benefits (1).      231       285           590     1,106
Paid guaranteed benefits.........     (24)        --            --      (24)
                                  -------- ---------     --------- ---------
Balance at December 31, 2014..... $    611 $   1,440     $   2,374 $   4,425
                                  ======== =========     ========= =========
Net Ceded/(Assumed)                                                         
Balance at January 1, 2012....... $  (163) $    (65)     $     727 $     499
Incurred guaranteed benefits.....    (100)      (69)           258        89
Paid guaranteed benefits.........       45        --            --        45
                                  -------- ---------     --------- ---------
Balance at December 31, 2012.....    (218)     (134)           985       633
Incurred guaranteed benefits.....     (26)      (21)           327       280
Paid guaranteed benefits.........       39        --            --        39
                                  -------- ---------     --------- ---------
Balance at December 31, 2013.....    (205)     (155)         1,312       952
Incurred guaranteed benefits (1).      175        98           477       750
Paid guaranteed benefits.........        1        --            --         1
                                  -------- ---------     --------- ---------
Balance at December 31, 2014..... $   (29) $    (57)     $   1,789 $   1,703
                                  ======== =========     ========= =========
Net                                                                         
Balance at January 1, 2012....... $    343 $     593     $     309 $   1,245
Incurred guaranteed benefits.....      219       568            74       861
Paid guaranteed benefits.........     (84)        --            --      (84)
                                  -------- ---------     --------- ---------
Balance at December 31, 2012.....      478     1,161           383     2,022
Incurred guaranteed benefits.....      192       149            89       430
Paid guaranteed benefits.........     (61)        --            --      (61)
                                  -------- ---------     --------- ---------
Balance at December 31, 2013.....      609     1,310           472     2,391
Incurred guaranteed benefits (1).       56       187           113       356
Paid guaranteed benefits.........     (25)        --            --      (25)
                                  -------- ---------     --------- ---------
Balance at December 31, 2014..... $    640 $   1,497     $     585 $   2,722
                                  ======== =========     ========= =========

--------                                                                        

(1)See Note 7.                                                                  

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Notes to the Consolidated Financial Statements -- (Continued) 

5. Insurance (continued)                                                        

Account balances of contracts with insurance guarantees were invested in    
separate account asset classes as follows at:                                   

                                                                [Download Table]

                     December 31,     
                 ---------------------
                    2014       2013   
                 ---------- ----------
                     (In millions)    
                                      
Fund Groupings:                       
Balanced........ $   55,287 $   49,149
Equity..........     43,430     50,645
Bond............      5,226      4,820
Money Market....        801        887
                 ---------- ----------
 Total.......... $  104,744 $  105,501
                 ========== ==========

Based on the type of guarantee, the Company defines net amount at risk      
("NAR") as listed below.                                                        

Variable Annuity Guarantees                                                   

In the Event of Death                                                       

 Defined as the death benefit less the total contract account value, as of
the balance sheet date. It represents the amount of the claim that the      
Company would incur if death claims were filed on all contracts on the      
balance sheet date and includes any additional contractual claims associated
  with riders purchased to assist with covering income taxes payable upon death.

At Annuitization                                                            

Defined as the amount (if any) that would be required to be added to the
total contract account value to purchase a lifetime income stream, based on 
current annuity rates, equal to the minimum amount provided under the       
guaranteed benefit. This amount represents the Company's potential economic 
exposure to such guarantees in the event all contractholders were to        
annuitize on the balance sheet date, even though the contracts contain terms
that allow annuitization of the guaranteed amount only after the 10th       
anniversary of the contract, which not all contractholders have achieved.   

Universal and Variable Life Contracts                                         

Defined as the guarantee amount less the account value, as of the balance 
sheet date. It represents the amount of the claim that the Company would incur
if death claims were filed on all contracts on the balance sheet date.        

 The amounts in the table below include direct business, but exclude offsets
from hedging or reinsurance, if any. See Note 7 for a discussion of certain   
living and death benefit guarantees which have been reinsured. Therefore, the 
NARs presented below reflect the economic exposures of living and death       
benefit guarantees associated with variable annuities, but not necessarily    
their impact on the Company.                                                  

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

5. Insurance (continued)                                                        

 Information regarding the types of guarantees relating to annuity contracts
and universal and variable life contracts was as follows at:                  

                                                        [Enlarge/Download Table]

                                                               December 31,                       
                                         ---------------------------------------------------------
                                                     2014                         2013            
                                         ---------------------------- ----------------------------
                                             In the          At           In the          At      
                                         Event of Death Annuitization Event of Death Annuitization
                                         -------------- ------------- -------------- -------------
                                                               (In millions)                      
                                                                                                  
Annuity Contracts (1)                                                                             
Variable Annuity Guarantees                                                                       
Total contract account value............  $   112,298    $    64,550   $   129,284    $    65,753 
Separate account value..................  $   107,261    $    63,206   $   108,478    $    64,275 
Net amount at risk......................  $     3,151    $     1,297   $     3,148    $       678 
Average attained age of contractholders.     65 years       65 years      64 years       64 years 

                                                                [Download Table]

                                                   December 31,      
                                              -----------------------
                                                 2014        2013    
                                              ----------- -----------
                                               Secondary Guarantees  
                                              -----------------------
                                                   (In millions)     
                                                                     
Universal and Variable Life Contracts (1)                            
Account value (general and separate account). $     6,702 $     6,915
Net amount at risk........................... $    91,204 $    96,974
Average attained age of policyholders........    59 years    58 years

--------                                                                        

(1)The Company's annuity and life contracts with guarantees may offer more than 
 one type of guarantee in each contract. Therefore, the amounts listed above
may not be mutually exclusive.                                            

Obligations Under Funding Agreements                                            

The Company issues fixed and floating rate funding agreements, which are    
denominated in either U.S. dollars or foreign currencies, to certain special    
purpose entities ("SPEs") that have issued either debt securities or commercial 
paper for which payment of interest and principal is secured by such funding    
agreements. During the years ended December 31, 2014, 2013 and 2012, the        
Company issued $12.2 billion, $10.9 billion and $10.3 billion, respectively,    
and repaid $13.9 billion, $11.7 billion and $9.6 billion, respectively, of such 
funding agreements. At December 31, 2014 and 2013, liabilities for funding      
agreements outstanding, which are included in PABs, were $3.5 billion and $5.3  
billion, respectively.                                                          

MetLife Insurance Company USA, is a member of regional banks in the Federal 
Home Loan Bank ("FHLB") system ("FHLBanks"). Holdings of common stock of        
FHLBanks, included in equity securities, were as follows at:                    

                                                                [Download Table]

                        December 31,     
                    ---------------------
                       2014       2013   
                    ---------- ----------
                        (In millions)    
                                         
FHLB of Boston..... $       55 $       64
FHLB of Des Moines. $       16 $       26
FHLB of Pittsburgh. $       24 $       20

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Notes to the Consolidated Financial Statements -- (Continued) 

5. Insurance (continued)                                                        

The Company has also entered into funding agreements with FHLBanks and the  
Federal Agricultural Mortgage Corporation, a federally chartered                
instrumentality of the U.S. ("Farmer Mac"). The liability for such funding      
agreements is included in PABs. Information related to such funding agreements  
was as follows at:                                                              

                                                                [Download Table]

                             Liability            Collateral      
                        -------------------- ---------------------
                                       December 31,               
                        ------------------------------------------
                          2014       2013       2014       2013   
                        --------- ---------- ---------- ----------
                                      (In millions)               
                                                                  
FHLB of Boston (1)..... $     575 $      450 $  666 (2) $  808 (2)
FHLB of Des Moines (1). $     405 $      405 $  546 (2) $  477 (2)
Farmer Mac (3)......... $     200 $      200 $      231 $      230
FHLB of Pittsburgh (1). $     185 $      200 $1,154 (2) $  602 (2)

--------                                                                        

(1)Represents funding agreements issued to the applicable FHLBank in exchange   
for cash and for which such FHLBank has been granted a lien on certain    
assets, some of which are in the custody of such FHLBank, including       
residential mortgage-backed securities ("RMBS"), to collateralize         
obligations under advances evidenced by funding agreements. The Company is
permitted to withdraw any portion of the collateral in the custody of such
 FHLBank as long as there is no event of default and the remaining qualified
collateral is sufficient to satisfy the collateral maintenance level. Upon
any event of default by the Company, such FHLBank's recovery on the       
collateral is limited to the amount of the Company's liability to such    
FHLBank.                                                                  

(2)Advances are collateralized by mortgage-backed securities. The amount of     
collateral presented is at estimated fair value.                          

(3)Represents funding agreements issued to certain SPEs that have issued debt   
securities for which payment of interest and principal is secured by such 
funding agreements, and such debt securities are also guaranteed as to    
  payment of interest and principal by Farmer Mac. The obligations under these
 funding agreements are secured by a pledge of certain eligible agricultural
 real estate mortgage loans and may, under certain circumstances, be secured
by other qualified collateral. The amount of collateral presented is at   
carrying value.                                                           

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

5. Insurance (continued)                                                        

Liabilities for Unpaid Claims and Claim Expenses                                

Information regarding the liabilities for unpaid claims and claim expenses  
relating to group accident and non-medical health policies and contracts, which 
are reported in future policy benefits and other policy-related balances, was   
as follows:                                                                     

                                                                [Download Table]

                                   Years Ended December 31,   
                                 ---------------------------- 
                                   2014      2013      2012   
                                 --------  --------  -------- 
                                         (In millions)        
                                                              
Balance at January 1,........... $  1,325  $  1,216  $  1,079 
 Less: Reinsurance recoverables.    1,235     1,124       980 
                                 --------  --------  -------- 
Net balance at January 1,.......       90        92        99 
                                 --------  --------  -------- 
Incurred related to:                                          
 Current year...................        3         5         5 
 Prior years (1)................        2         4        (2)
                                 --------  --------  -------- 
   Total incurred...............        5         9         3 
                                 --------  --------  -------- 
Paid related to:                                              
 Current year...................       --        --        -- 
 Prior years....................      (12)      (11)      (10)
                                 --------  --------  -------- 
   Total paid...................      (12)      (11)      (10)
                                 --------  --------  -------- 
Net balance at December 31,.....       83        90        92 
 Add: Reinsurance recoverables..    1,400     1,235     1,124 
                                 --------  --------  -------- 
Balance at December 31,......... $  1,483  $  1,325  $  1,216 
                                 ========  ========  ======== 

--------                                                                        

(1)During 2014, 2013 and 2012, claims and claim adjustment expenses associated  
  with prior years changed due to differences between the actual benefits paid
and expected benefits owed during those periods.                          

Separate Accounts                                                               

Separate account assets and liabilities include two categories of account   
types: pass-through separate accounts totaling $108.7 billion and $109.6        
billion at December 31, 2014 and 2013, 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 $187 million and $179 million at December 31, 2014   
and 2013, respectively. The latter category consists of bank owned life         
insurance contracts. The average interest rate credited on these contracts was  
2.52% and 2.59% at December 31, 2014 and 2013, respectively.                    

For the years ended December 31, 2014, 2013 and 2012, there were no         
investment gains (losses) on transfers of assets from the general account to    
the separate accounts.                                                          

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Notes to the Consolidated Financial Statements -- (Continued) 

6. 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 (primarily term
insurance) over the appropriate premium paying period in proportion to the      
historic actual and expected future gross premiums that were set at contract    
issue. The expected premiums are based upon the premium requirement of each     
policy and assumptions for mortality, persistency and investment returns at     
policy issuance, or policy acquisition (as it relates to VOBA), include         
provisions for adverse deviation, and are consistent with the assumptions used  
to calculate future policyholder benefit liabilities. These assumptions are not 
revised after policy issuance or acquisition unless the DAC or VOBA balance is  
deemed to be unrecoverable from future expected profits. Absent a premium       
deficiency, variability in amortization after policy issuance or acquisition is 
caused only by variability in premium volumes.                                  

Participating, Dividend-Paying Traditional Contracts                            

 The Company amortizes DAC related to these contracts over the estimated lives
of the contracts in proportion to actual and expected future gross margins. The 
amortization includes interest based on rates in effect at inception or         
acquisition of the contracts. The future gross margins are dependent            
principally on investment returns, policyholder dividend scales, mortality,     
persistency, expenses to administer the business, creditworthiness of           
reinsurance counterparties and certain economic variables, such as inflation.   
Of these factors, the Company anticipates that investment returns, expenses,    
persistency and other factor changes, as well as policyholder dividend scales,  
are reasonably likely to impact significantly the rate of DAC amortization.     
Each reporting period, the Company updates the estimated gross margins with the 
actual gross margins for that period. When the actual gross margins change from 
previously estimated gross margins, the cumulative DAC amortization is          
re-estimated and adjusted by a cumulative charge or credit to current           
operations. When actual gross margins exceed those previously estimated, the    
DAC amortization will increase, resulting in a current period charge to         
earnings. The opposite result occurs when the actual gross margins are below    
the previously estimated gross margins. Each reporting period, the Company also 
updates the actual amount of business in-force, which impacts expected future   
gross margins. When expected future gross margins are below those previously    
estimated, the DAC amortization will increase, resulting in a current period    
charge to earnings. The opposite result occurs when the expected future gross   
margins are above the previously estimated expected future gross margins. Each  
period, the Company also reviews the estimated gross margins for each block of  
business to determine the recoverability of DAC balances.                       

Fixed and Variable Universal Life Contracts and Fixed and Variable Deferred     
Annuity Contracts                                                               

The Company amortizes DAC and VOBA related to these contracts over the      
estimated lives of the contracts in proportion to actual and expected future    
gross profits. The amortization includes interest based on rates in effect at   
inception or acquisition of the contracts. The amount of future gross profits   
is dependent principally upon returns in excess of the amounts credited to      
policyholders, mortality, persistency, interest crediting rates, expenses to    
administer the business, creditworthiness of reinsurance counterparties, the    
effect of any hedges used and certain economic variables, such as inflation. Of 
these factors, the Company anticipates that investment returns, expenses and    
persistency are reasonably likely to impact significantly the rate of DAC and   
VOBA amortization. Each reporting period, the Company updates the estimated     
gross profits with the actual gross                                             

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles (continued)                                                         

profits for that period. When the actual gross profits change from previously   
estimated gross profits, the cumulative DAC and VOBA amortization is            
re-estimated and adjusted by a cumulative charge or credit to current           
operations. When actual gross profits exceed those previously estimated, the    
DAC and VOBA amortization will increase, resulting in a current period charge   
to earnings. The opposite result occurs when the actual gross profits are below 
the previously estimated gross profits. Each reporting period, the Company also 
updates the actual amount of business remaining in-force, which impacts         
expected future gross profits. When expected future gross profits are below     
those previously estimated, the DAC and VOBA amortization will increase,        
resulting in a current period charge to earnings. The opposite result occurs    
when the expected future gross profits are above the previously estimated       
expected future gross profits. Each period, the Company also reviews the        
estimated gross profits for each block of business to determine the             
recoverability of DAC and VOBA balances.                                        

Factors Impacting Amortization                                                  

Separate account rates of return on variable universal life contracts and   
variable deferred annuity contracts affect in-force account balances on such    
contracts each reporting period, which can result in significant fluctuations   
in amortization of DAC and VOBA. Returns that are higher than the Company's     
long-term expectation produce higher account balances, which increases the      
Company's future fee expectations and decreases future benefit payment          
expectations on minimum death and living benefit guarantees, resulting in       
higher expected future gross profits. The opposite result occurs when returns   
are lower than the Company's long-term expectation. The Company's practice to   
determine the impact of gross profits resulting from returns on separate        
accounts assumes that long-term appreciation in equity markets is not changed   
by short-term market fluctuations, but is only changed when sustained interim   
deviations are expected. The Company monitors these events and only changes the 
assumption when its long-term expectation changes.                              

The Company also periodically reviews other long-term assumptions underlying
the projections of estimated gross margins and profits. These assumptions       
primarily relate to investment returns, policyholder dividend scales, interest  
crediting rates, mortality, persistency and expenses to administer business.    
Management annually updates assumptions used in the calculation of estimated    
gross margins and profits which may have significantly changed. If the update   
of assumptions causes expected future gross margins and profits to increase,    
DAC and VOBA amortization will decrease, resulting in a current period increase 
to earnings. The opposite result occurs when the assumption update causes       
expected future gross margins and profits to decrease.                          

Periodically, the Company modifies product benefits, features, rights or    
coverages that occur by the exchange of a contract for a new contract, or by    
amendment, endorsement, or rider to a contract, or by election or coverage      
within a contract. If such modification, referred to as an internal             
replacement, substantially changes the contract, the associated DAC or VOBA is  
written off immediately through income and any new deferrable costs associated  
with the replacement contract are deferred. If the modification does not        
substantially change the contract, the DAC or VOBA amortization on the original 
contract will continue and any acquisition costs associated with the related    
modification are expensed.                                                      

Amortization of DAC and VOBA is attributed to net investment gains (losses) 
and net derivative gains (losses), and to other expenses for the amount of      
gross margins or profits originating from transactions other than investment    
gains and losses. Unrealized investment gains and losses represent the amount   
of DAC and VOBA that would have been amortized if such gains and losses had     
been recognized.                                                                

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. 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,   
                                                                  ---------------------------- 
                                                                    2014      2013      2012   
                                                                  --------  --------  -------- 
                                                                          (In millions)        
                                                                                               
DAC                                                                                            
Balance at January 1,............................................ $  4,795  $  4,086  $  3,893 
Capitalizations..................................................      279       512       908 
Amortization related to:                                                                       
 Net investment gains (losses) and net derivative gains (losses).     (152)      219       (15)
 Other expenses..................................................     (699)     (287)     (513)
                                                                  --------  --------  -------- 
   Total amortization............................................     (851)      (68)     (528)
                                                                  --------  --------  -------- 
Unrealized investment gains (losses).............................      (61)       83       (28)
Disposition and other (1), (2)...................................       --       182      (159)
                                                                  --------  --------  -------- 
Balance at December 31,..........................................    4,162     4,795     4,086 
                                                                  --------  --------  -------- 
VOBA                                                                                           
Balance at January 1,............................................      896       718     1,072 
Amortization related to:                                                                       
 Net investment gains (losses) and net derivative gains (losses).       (1)        5        -- 
 Other expenses..................................................     (138)     (142)     (206)
                                                                  --------  --------  -------- 
   Total amortization............................................     (139)     (137)     (206)
                                                                  --------  --------  -------- 
Unrealized investment gains (losses).............................      (29)      315      (148)
                                                                  --------  --------  -------- 
Balance at December 31,..........................................      728       896       718 
                                                                  --------  --------  -------- 
Total DAC and VOBA                                                                             
Balance at December 31,.......................................... $  4,890  $  5,691  $  4,804 
                                                                  ========  ========  ======== 

--------                                                                        

(1)The year ended December 31, 2013 includes $182 million that was reclassified 
to DAC from premiums, reinsurance and other receivables. The amounts      
reclassified relate to an affiliated reinsurance agreement accounted for  
  using the deposit method of accounting and represent the DAC amortization on
 the expense allowances ceded on the agreement from inception. These amounts
were previously included in the calculated value of the deposit receivable
on this agreement and recorded within premiums, reinsurance and other     
receivables.                                                              

(2)See Note 4 for information on the disposition of a subsidiary.               

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

6. Deferred Policy Acquisition Costs, Value of Business Acquired and Other      
Intangibles (continued)                                                         

Information regarding total DAC and VOBA by segment, as well as Corporate & 
Other, was as follows at:                                                       

                                                                [Download Table]

                             December 31,   
                           -----------------
                             2014     2013  
                           -------- --------
                             (In millions)  
                                            
Retail.................... $  4,824 $  5,659
Corporate Benefit Funding.        5        6
Corporate & Other.........       61       26
                           -------- --------
 Total.................... $  4,890 $  5,691
                           ======== ========

Information regarding other intangibles was as follows:                     

                                                                [Download Table]

                                      Years Ended December 31,
                                      ----------------------  
                                       2014     2013    2012  
                                      ------   ------  ------ 
                                           (In millions)      
                                                              
DSI                                                           
Balance at January 1,................ $  619   $  633  $  656 
Capitalization.......................      4        6      22 
Amortization.........................    (73)     (20)    (45)
Unrealized investment gains (losses).    (28)      --      -- 
                                      ------   ------  ------ 
Balance at December 31,.............. $  522   $  619  $  633 
                                      ======   ======  ====== 
VODA and VOCRA                                                
Balance at January 1,................ $  159   $  175  $  190 
Amortization.........................    (17)     (16)    (15)
                                      ------   ------  ------ 
Balance at December 31,.............. $  142   $  159  $  175 
                                      ======   ======  ====== 
Accumulated amortization............. $   98   $   81  $   65 
                                      ======   ======  ====== 

The estimated future amortization expense to be reported in other expenses  
for the next five years is as follows:                                          

                                                                [Download Table]

                                    VOBA      VODA and VOCRA
                               -------------- --------------
                                       (In millions)        
                                                            
2015.......................... $          158 $          17 
2016.......................... $          130 $          15 
2017.......................... $          105 $          14 
2018.......................... $           87 $          13 
2019.......................... $           69 $          12 

7. Reinsurance                                                                  

The Company enters into reinsurance agreements primarily as a purchaser of  
reinsurance for its various insurance products and also as a provider of        
reinsurance for some insurance products issued by affiliated and unaffiliated   
companies. The Company participates in reinsurance activities in order to limit 
losses, minimize exposure to significant risks and provide additional capacity  
for future growth.                                                              

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Reinsurance (continued)                                                      

Accounting for reinsurance requires extensive use of assumptions and        
estimates, particularly related to the future performance of the underlying     
business and the potential impact of counterparty credit risks. The Company     
periodically reviews actual and anticipated experience compared to the          
aforementioned assumptions used to establish assets and liabilities relating to 
ceded and assumed reinsurance and evaluates the financial strength of           
counterparties to its reinsurance agreements using criteria similar to that     
evaluated in the security impairment process discussed in Note 8.               

Retail                                                                          

The Company's Retail Annuities business currently reinsures 90% of certain  
fixed annuities to an affiliate. The Company also reinsures portions of the     
living and death benefit guarantees issued in connection with certain variable  
annuities to unaffiliated reinsurers. Under these reinsurance agreements, the   
Company pays a reinsurance premium generally based on fees associated with the  
guarantees collected from policyholders, and receives reimbursement for         
benefits paid or accrued in excess of account values, subject to certain        
limitations. The Company also assumes 100% of the living and death benefit      
guarantees issued in connection with certain variable annuities issued by       
certain affiliates.                                                             

For its Retail Life & Other insurance products, the Company has historically
reinsured the mortality risk primarily on an excess of retention basis or on a  
quota share basis. The Company currently reinsures 100% of the mortality risk   
in excess of $100,000 per life for most new policies and reinsures up to 100%   
of the mortality risk for certain other policies. In addition to reinsuring     
mortality risk as described above, the Company reinsures other risks, as well   
as specific coverages. Placement of reinsurance is done primarily on an         
automatic basis and also on a facultative basis for risks with specified        
characteristics. The Company also reinsures portions of certain whole life,     
level premium term and universal life policies with secondary death benefit     
guarantees to certain affiliates. The Company evaluates its reinsurance         
programs routinely and may increase or decrease its retention at any time.      

Corporate Benefit Funding                                                       

The Company's Corporate Benefit Funding segment has periodically engaged in 
reinsurance activities, on an opportunistic basis. The impact of these          
activities on the financial results of this segment has not been significant    
and there were no significant transactions during the periods presented.        

Corporate & Other                                                               

The Company reinsures, through 100% quota share reinsurance agreements,     
certain run-off LTC and workers' compensation business written by the Company.  

The Company also assumes risk on certain client arrangements from both      
foreign affiliates and unaffiliated companies. This reinsurance activity        
relates to risk-sharing agreements and multinational pooling.                   

Catastrophe Coverage                                                            

The Company has exposure to catastrophes, which could contribute to         
significant fluctuations in the Company's results of operations. The Company    
uses excess of retention and quota share reinsurance agreements to provide      
greater diversification of risk and minimize exposure to larger risks.          

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Reinsurance (continued)                                                      

Reinsurance Recoverables                                                        

The Company reinsures its business through a diversified group of           
well-capitalized reinsurers. The Company analyzes recent trends in arbitration  
and litigation outcomes in disputes, if any, with its reinsurers. The Company   
monitors ratings and evaluates the financial strength of its reinsurers by      
analyzing their financial statements. In addition, the reinsurance recoverable  
balance due from each reinsurer is evaluated as part of the overall monitoring  
process. Recoverability of reinsurance recoverable balances is evaluated based  
on these analyses. The Company generally secures large reinsurance recoverable  
balances with various forms of collateral, including secured trusts, funds      
withheld accounts and irrevocable letters of credit. These reinsurance          
recoverable balances are stated net of allowances for uncollectible             
reinsurance, which at December 31, 2014 and 2013, were not significant.         

 The Company has secured certain reinsurance recoverable balances with various
forms of collateral, including secured trusts, funds withheld accounts and      
irrevocable letters of credit. The Company had $2.3 billion and $2.1 billion of 
unsecured unaffiliated reinsurance recoverable balances at December 31, 2014    
and 2013, respectively.                                                         

At December 31, 2014, the Company had $8.1 billion of net unaffiliated ceded
reinsurance recoverables. Of this total, $7.1 billion, or 87%, 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, 2013, the Company had $7.7 billion of net unaffiliated ceded       
reinsurance recoverables. Of this total, $6.8 billion, or 88%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $1.2 billion of 
net unaffiliated ceded reinsurance recoverables which were unsecured.           

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Reinsurance (continued)                                                      

The amounts in the consolidated statements of operations include the impact 
of reinsurance. Information regarding the significant effects of reinsurance    
was as follows:                                                                 

                                                        [Enlarge/Download Table]

                                                                 Years Ended December 31,   
                                                               ---------------------------- 
                                                                 2014      2013      2012   
                                                               --------  --------  -------- 
                                                                       (In millions)        
                                                                                            
Premiums                                                                                    
Direct premiums............................................... $  2,226  $  1,590  $  2,075 
Reinsurance assumed...........................................       94        73       962 
Reinsurance ceded.............................................   (1,168)     (974)     (822)
                                                               --------  --------  -------- 
   Net premiums............................................... $  1,152  $    689  $  2,215 
                                                               ========  ========  ======== 
Universal life and investment-type product policy fees                                      
Direct universal life and investment-type product policy fees. $  3,610  $  3,492  $  3,210 
Reinsurance assumed...........................................      398       398       390 
Reinsurance ceded.............................................     (815)     (760)     (586)
                                                               --------  --------  -------- 
   Net universal life and investment-type product policy fees. $  3,193  $  3,130  $  3,014 
                                                               ========  ========  ======== 
Other revenues                                                                              
Direct other revenues......................................... $    259  $    284  $    256 
Reinsurance assumed...........................................       28         1        23 
Reinsurance ceded.............................................      252       325       347 
                                                               --------  --------  -------- 
   Net other revenues......................................... $    539  $    610  $    626 
                                                               ========  ========  ======== 
Policyholder benefits and claims                                                            
Direct policyholder benefits and claims....................... $  4,797  $  4,693  $  4,756 
Reinsurance assumed...........................................      263       149     1,180 
Reinsurance ceded.............................................   (2,296)   (1,695)   (1,615)
                                                               --------  --------  -------- 
   Net policyholder benefits and claims....................... $  2,764  $  3,147  $  4,321 
                                                               ========  ========  ======== 
Interest credited to policyholder account balances                                          
Direct interest credited to policyholder account balances..... $  1,125  $  1,202  $  1,303 
Reinsurance assumed...........................................       76        91        87 
Reinsurance ceded.............................................     (139)     (125)     (109)
                                                               --------  --------  -------- 
   Net interest credited to policyholder account balances..... $  1,062  $  1,168  $  1,281 
                                                               ========  ========  ======== 
Other expenses                                                                              
Direct other expenses......................................... $  2,524  $  1,861  $  2,428 
Reinsurance assumed...........................................      106        19        88 
Reinsurance ceded.............................................      124        57       120 
                                                               --------  --------  -------- 
   Net other expenses......................................... $  2,754  $  1,937  $  2,636 
                                                               ========  ========  ======== 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Reinsurance (continued)                                                      

The amounts in the consolidated balance sheets include the impact of        
reinsurance. Information regarding the significant effects of reinsurance was   
as follows at:                                                                  

                                                        [Enlarge/Download Table]

                                                                 December 31,                           
                                       -----------------------------------------------------------------
                                                     2014                             2013              
                                       -------------------------------- --------------------------------
                                                                 Total                            Total 
                                                                Balance                          Balance
                                       Direct  Assumed  Ceded    Sheet  Direct  Assumed  Ceded    Sheet 
                                       ------- ------- -------  ------- ------- ------- -------  -------
                                                                 (In millions)                          
                                                                                                        
Assets                                                                                                  
Premiums, reinsurance and other                                                                         
 receivables.......................... $   516  $   57 $20,986  $21,559 $   471  $  177 $18,905  $19,553
Deferred policy acquisition costs and                                                                   
 value of business acquired...........   5,367     246    (723)   4,890   6,013     294    (616)   5,691
                                       ------- ------- -------  ------- ------- ------- -------  -------
  Total assets........................ $ 5,883  $  303 $20,263  $26,449 $ 6,484  $  471 $18,289  $25,244
                                       ======= ======= =======  ======= ======= ======= =======  =======
Liabilities                                                                                             
Future policy benefits................ $27,242  $1,237 $    --  $28,479 $28,407  $2,196 $    --  $30,603
Policyholder account balances.........  34,659     827      --   35,486  36,201   1,188      --   37,389
Other policy-related balances.........     866   1,691     763    3,320     815   2,504     811    4,130
Other liabilities.....................   2,469      63   5,412    7,944   3,992     173   4,143    8,308
                                       ------- ------- -------  ------- ------- ------- -------  -------
  Total liabilities................... $65,236  $3,818 $ 6,175  $75,229 $69,415  $6,061 $ 4,954  $80,430
                                       ======= ======= =======  ======= ======= ======= =======  =======

 In November 2014, prior to the Mergers, guaranteed minimum benefit guarantees
on certain variable annuities previously ceded to Exeter from an unaffiliated   
foreign company were recaptured. As a result of this recapture, the significant 
impacts to the Company were decreases in future policy benefits of $101         
million, in other policy-related balances of $1.2 billion, in cash and cash     
equivalents of $705 million and in other invested assets of $553 million.       

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            
$6.2 billion and $5.8 billion at December 31, 2014 and 2013, respectively. The  
deposit liabilities on reinsurance were $1 million at both December 31, 2014    
and 2013.                                                                       

Related Party Reinsurance Transactions                                          

The Company has reinsurance agreements with certain MetLife, Inc.           
subsidiaries, including MLIC, MetLife Reinsurance Company of South Carolina,    
First MetLife Investors Insurance Company ("First MetLife"), General American   
Life Insurance Company, MetLife Europe, MetLife Reinsurance Company of Vermont, 
New England Life Insurance Company ("NELICO"), MetLife Reinsurance Company of   
Delaware ("MRD") and Delaware American Life Insurance Company, all of which are 
related parties.                                                                

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Reinsurance (continued)                                                      

Information regarding the significant effects of affiliated reinsurance     
included in the consolidated statements of operations was as follows:           

                                                        [Enlarge/Download Table]

                                                                Years Ended December 31, 
                                                               ------------------------- 
                                                                 2014     2013     2012  
                                                               -------  -------  ------- 
                                                                     (In millions)       
                                                                                         
Premiums                                                                                 
Reinsurance assumed........................................... $    55  $    28  $   912 
Reinsurance ceded.............................................    (830)    (638)    (477)
                                                               -------  -------  ------- 
   Net premiums............................................... $  (775) $  (610) $   435 
                                                               =======  =======  ======= 
Universal life and investment-type product policy fees                                   
Reinsurance assumed........................................... $   291  $   259  $   235 
Reinsurance ceded.............................................    (361)    (344)    (227)
                                                               -------  -------  ------- 
   Net universal life and investment-type product policy fees. $   (70) $   (85) $     8 
                                                               =======  =======  ======= 
Other revenues                                                                           
Reinsurance assumed........................................... $    28  $     1  $    23 
Reinsurance ceded.............................................     252      325      347 
                                                               -------  -------  ------- 
   Net other revenues......................................... $   280  $   326  $   370 
                                                               =======  =======  ======= 
Policyholder benefits and claims                                                         
Reinsurance assumed........................................... $   229  $   137  $ 1,064 
Reinsurance ceded.............................................    (942)    (673)    (581)
                                                               -------  -------  ------- 
   Net policyholder benefits and claims....................... $  (713) $  (536) $   483 
                                                               =======  =======  ======= 
Interest credited to policyholder account balances                                       
Reinsurance assumed........................................... $    76  $    91  $    87 
Reinsurance ceded.............................................    (139)    (125)    (109)
                                                               -------  -------  ------- 
   Net interest credited to policyholder account balances..... $   (63) $   (34) $   (22)
                                                               =======  =======  ======= 
Other expenses                                                                           
Reinsurance assumed........................................... $    92  $    33  $    45 
Reinsurance ceded.............................................     156       94      159 
                                                               -------  -------  ------- 
   Net other expenses......................................... $   248  $   127  $   204 
                                                               =======  =======  ======= 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Reinsurance (continued)                                                      

Information regarding the significant effects of affiliated reinsurance     
included in the consolidated balance sheets was as follows at:                  

                                                        [Enlarge/Download Table]

                                                                     December 31,            
                                                         ----------------------------------- 
                                                               2014               2013       
                                                         ----------------  ----------------- 
                                                         Assumed   Ceded    Assumed   Ceded  
                                                         -------- -------  --------  ------- 
                                                                    (In millions)            
                                                                                             
Assets                                                                                       
Premiums, reinsurance and other receivables............. $     45 $12,718  $    143  $11,105 
Deferred policy acquisition costs and value of business                                      
  acquired..............................................      164    (707)      203     (600)
                                                         -------- -------  --------  ------- 
 Total assets........................................... $    209 $12,011  $    346  $10,505 
                                                         ======== =======  ========  ======= 
Liabilities                                                                                  
Future policy benefits.................................. $    593 $    --  $  1,480  $    -- 
Policyholder account balances...........................      827      --       (74)      -- 
Other policy-related balances...........................    1,689     763     2,496      811 
Other liabilities.......................................       16   5,109       116    3,850 
                                                         -------- -------  --------  ------- 
 Total liabilities...................................... $  3,125 $ 5,872  $  4,018  $ 4,661 
                                                         ======== =======  ========  ======= 

 In September 2012, the Company entered into a reinsurance agreement to assume
100% quota share of certain blocks of indemnity reinsurance from MetLife        
Europe. This agreement covers a portion of liabilities under defined portfolios 
of living time annuities contracts issued on or after the effective date. This  
agreement transfers risk to the Company, and therefore, is accounted for as     
reinsurance. As a result of the agreement, the Company recorded future policy   
benefits of $454 million and $649 million, other reinsurance liabilities of $2  
million and $17 million, and other reinsurance payables, included in other      
liabilities, were $29 million and $44 million at December 31, 2014 and 2013,    
respectively. The Company's consolidated statement of operations reflects a     
loss for this agreement of $3 million, $9 million and $4 million, which         
includes premiums of less than $1 million, less than $1 million and $881        
million and policyholder benefits of $3 million, $9 million and $885 million    
for the years ended December 31, 2014, 2013 and 2012, respectively.             

 In October 2012, the Company entered into a reinsurance agreement to cede two
blocks of business to MRD, on a 90% coinsurance with funds withheld basis. This 
agreement covers certain term and certain universal life policies issued in     
2012 by the Company and was amended in 2013 to include certain term and         
universal life policies issued by the Company through December 31, 2013. This   
agreement transfers risk to MRD and, therefore, is accounted for as             
reinsurance. As a result of the agreement, affiliated reinsurance recoverables, 
included in premiums, reinsurance and other receivables, were $675 million and  
$917 million at December 31, 2014 and 2013, respectively. The Company also      
recorded a funds withheld liability and other reinsurance payables, included in 
other liabilities, which were $564 million and $798 million at December 31,     
2014 and 2013, respectively. Certain contractual features of this agreement     
qualify as embedded derivatives, which are separately accounted for at fair     
value on the Company's consolidated balance sheets. The embedded derivative     
related to this cession is included within other liabilities and was $59        
million and ($14) million at December 31, 2014 and 2013, respectively. The      
Company's consolidated statements of operations reflect a loss for this         
agreement of $162 million, $50 million and $37 million for the years ended      
December 31, 2014, 2013 and 2012, respectively. The loss related to this        
agreement includes net derivative gains (losses) associated with the            

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Reinsurance (continued)                                                      

embedded derivatives of ($73) million, $20 million and ($6) million for the     
years ended December 31, 2014, 2013 and 2012, respectively.                     

The Company assumes risks from affiliates related to guaranteed minimum     
benefit guarantees written directly by the affiliates. These assumed            
reinsurance agreements contain embedded derivatives and changes in their fair   
value are also included within net derivative gains (losses). The embedded      
derivatives associated with the cessions are included within PABs and were      
liabilities of $827 million and ($74) million at December 31, 2014 and 2013,    
respectively. For the years ended December 31, 2014, 2013 and 2012, net         
derivative gains (losses) included ($541) million, $2.1 billion and ($12)       
million, respectively, in changes in fair value of such embedded derivatives.   

 The Company ceded two blocks of business to an affiliate on a 90% coinsurance
with funds withheld basis. Certain contractual features of this agreement       
qualify as embedded derivatives, which are separately accounted for at          
estimated fair value on the Company's consolidated balance sheets. The embedded 
derivative related to the funds withheld associated with this reinsurance       
agreement is included within other liabilities and increased the funds withheld 
balance by $323 million and $48 million at December 31, 2014 and 2013,          
respectively. Net derivative gains (losses) associated with the embedded        
derivatives were ($275) million, $498 million and ($107) million for the years  
ended December 31, 2014, 2013 and 2012, respectively.                           

On December 31, 2014, the Company entered into a reinsurance agreement to   
cede two blocks of business to MRD on a 90% coinsurance with funds withheld     
basis. This agreement covers certain term and certain universal life policies   
issued in 2014 by the Company. This agreement transfers risk to MRD and,        
therefore, is accounted for as reinsurance. As a result of the agreement,       
affiliated reinsurance recoverables, included in premiums, reinsurance and      
other receivables, were $54 million at December 31, 2014. The Company also      
recorded a funds withheld liability and other reinsurance payables, included in 
other liabilities, which were $118 million at December 31, 2014. The Company's  
consolidated statement of operations reflects a loss for this agreement of less 
than $1 million for the year ended December 31, 2014.                           

Prior to the Mergers, certain related party transactions were consummated as
summarized below. See Note 3 for additional information on the Mergers.         

.  Effective January 1, 2014, the Company reinsured with MLIC all existing New
York insurance policies and annuity contracts that include a separate   
   account feature. As a result of the reinsurance agreements, the significant
effects to the Company were increases in premiums, reinsurance and other
receivables of $700 million and in other liabilities of $206 million, as
well as decreases in cash and cash equivalents and total investments of 
$494 million.                                                           

.  In October 2014, MLIC recaptured a block of universal life secondary       
   guarantee business ceded to Exeter on a 75% coinsurance with funds withheld
basis. As a result of this recapture, the significant effects to the    
Company were decreases in premiums, reinsurance and other receivables of
$14 million, in DAC of $30 million, in other invested assets of $418    
million, in future policy benefits of $67 million and in other          
policy-related balances of $435 million.                                

.  In November 2014, MLIC, First MetLife and NELICO partially recaptured risks
related to guaranteed minimum benefit guarantees on certain variable    
annuities previously ceded to Exeter. As a result of this recapture, the
   significant effects to the Company were decreases in future policy benefits
of                                                                      

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

7. Reinsurance (continued)                                                      

$284 million, in other policy-related balances of $469 million, in other
   liabilities of $23 million, in other invested assets of $441 million and in
   cash and cash equivalents of $385 million. There was also a decrease in net
income of $57 million.                                                  

.  Also in November 2014, certain foreign blocks of indemnity reinsurance and 
guaranteed minimum benefit guarantees on certain variable annuities     
   previously ceded to Exeter from MetLife Europe were recaptured. As a result
   of this recapture, the significant effects to the Company were decreases in
   future policy benefits of $463 million, in other liabilities of $29 million
  and in other invested assets of $505 million, as well as increases in cash
 and cash equivalents of $122 million and in other policy-related balances
of $109 million.                                                        

 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 $6.2 billion and $5.7 billion of 
unsecured affiliated reinsurance recoverable balances at December 31, 2014 and  
2013, 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 $6.0 billion and $5.7 billion at December 31, 2014 and 2013,   
respectively. There were no deposit liabilities on affiliated reinsurance at    
both December 31, 2014 and 2013.                                                

8. Investments                                                                  

See Note 10 for information about the fair value hierarchy for investments  
and the related valuation methodologies.                                        

Investment Risks and Uncertainties                                              

Investments are exposed to the following primary sources of risk: credit,   
interest rate, liquidity, market valuation, currency and real estate risk. The  
financial statement risks, stemming from such investment risks, are those       
associated with the determination of estimated fair values, the diminished      
ability to sell certain investments in times of strained market conditions, the 
recognition of impairments, the recognition of income on certain investments    
and the potential consolidation of VIEs. The use of different methodologies,    
assumptions and inputs relating to these financial statement risks may have a   
material effect on the amounts presented within the consolidated financial      
statements.                                                                     

The determination of valuation allowances and impairments is highly         
subjective and is based upon periodic evaluations and assessments of known and  
inherent risks associated with the respective asset class. Such evaluations and 
assessments are revised as conditions change and new information becomes        
available.                                                                      

 The recognition of income on certain investments (e.g. structured securities,
including mortgage-backed securities, asset-backed securities ("ABS") and       
certain structured investment transactions) is dependent upon certain factors   
such as prepayments and defaults, and changes in such factors could result in   
changes in amounts to be earned.                                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Fixed Maturity and Equity Securities AFS                                        

Fixed Maturity and Equity Securities AFS by Sector                            

  The following table presents the fixed maturity and equity securities AFS by
sector. Redeemable preferred stock is reported within U.S. corporate and      
foreign corporate fixed maturity securities and non-redeemable preferred stock
is reported within equity securities. Included within fixed maturity          
securities are structured securities including RMBS, commercial               
mortgage-backed securities ("CMBS") and ABS.                                  

                                                        [Enlarge/Download Table]

                                         December 31, 2014                            December 31, 2013              
                           --------------------------------------------- --------------------------------------------
                                         Gross Unrealized                             Gross Unrealized               
                            Cost or  -----------------------              Cost or  -----------------------           
                           Amortized        Temporary  OTTI   Estimated  Amortized        Temporary  OTTI  Estimated 
                             Cost    Gains   Losses   Losses  Fair Value   Cost    Gains   Losses   Losses Fair Value
                           --------- ------ --------- ------  ---------- --------- ------ --------- ------ ----------
                                                                 (In millions)                                       
                                                                                                                     
Fixed maturity securities                                                                                            
U.S. corporate............   $15,286 $1,635     $ 119    $--     $16,802   $16,860 $1,196     $ 218    $--    $17,838
U.S. Treasury and                                                                                                    
 agency...................    14,147  1,686         7     --      15,826     8,760    337       246     --      8,851
RMBS......................     5,858    291        33     35       6,081     4,960    214        66     45      5,063
Foreign corporate.........     5,162    310        58     --       5,414     8,868    500        89     --      9,279
State and political                                                                                                  
 subdivision..............     2,180    413         1     --       2,592     2,278    148        63     --      2,363
CMBS (1)..................     1,637     45         4     (1)      1,679     1,975     71        13     --      2,033
ABS.......................     1,546     26        10     --       1,562     2,211     36        12     --      2,235
Foreign government........       607    136         2     --         741     1,076    105        19     --      1,162
                           --------- ------ --------- ------  ---------- --------- ------ --------- ------ ----------
 Total fixed maturity                                                                                                
  securities..............   $46,423 $4,542     $ 234    $34     $50,697   $46,988 $2,607     $ 726    $45    $48,824
                           ========= ====== ========= ======  ========== ========= ====== ========= ====== ==========
Equity securities                                                                                                    
Common stock..............   $   176 $   60     $   3    $--     $   233   $   187 $   41     $   1    $--    $   227
Non-redeemable preferred                                                                                             
 stock....................       224      9         7     --         226       256      9        29     --        236
                           --------- ------ --------- ------  ---------- --------- ------ --------- ------ ----------
 Total equity securities..   $   400 $   69     $  10    $--     $   459   $   443 $   50     $  30    $--    $   463
                           ========= ====== ========= ======  ========== ========= ====== ========= ====== ==========

--------                                                                        

(1)The noncredit loss component of OTTI losses for CMBS was in an unrealized    
gain position of $1 million at December 31, 2014, due to increases in     
estimated fair value subsequent to initial recognition of noncredit losses
 on such securities. See also "-- Net Unrealized Investment Gains (Losses)."

The Company held non-income producing fixed maturity securities with an 
estimated fair value of $14 million and $30 million with unrealized gains   
(losses) of $4 million and $6 million at December 31, 2014 and 2013,        
respectively.                                                               

Methodology for Amortization of Premium and Accretion of Discount on        
Structured Securities                                                       

  Amortization of premium and accretion of discount on structured securities
considers the estimated timing and amount of prepayments of the underlying  
loans. Actual prepayment experience is periodically reviewed and effective  
yields are recalculated when differences arise between the originally       
anticipated and the actual prepayments received and currently anticipated.  
Prepayment assumptions for single class and multi-class mortgage-backed and 
ABS are estimated using inputs obtained from third-party specialists and    
based on management's knowledge of the current market. For credit-sensitive 
mortgage-backed and ABS and certain                                         

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

prepayment-sensitive securities, the effective yield is recalculated on a   
 prospective basis. For all other mortgage-backed and ABS, the effective yield
is recalculated on a retrospective basis.                                   

Maturities of Fixed Maturity Securities                                     

 The amortized cost and estimated fair value of fixed maturity securities,
by contractual maturity date, were as follows at:                           

                                                                [Download Table]

                                                         December 31,              
                                            ---------------------------------------
                                                   2014                2013        
                                            ------------------- -------------------
                                                      Estimated           Estimated
                                            Amortized   Fair    Amortized   Fair   
                                              Cost      Value     Cost      Value  
                                            --------- --------- --------- ---------
                                                         (In millions)             
                                                                                   
Due in one year or less.................... $   3,200 $   3,223 $   3,420 $   3,454
Due after one year through five years......    11,658    12,009     9,662    10,097
Due after five years through ten years.....     7,592     8,011     8,308     8,877
Due after ten years........................    14,932    18,132    16,452    17,065
                                            --------- --------- --------- ---------
   Subtotal................................    37,382    41,375    37,842    39,493
Structured securities (RMBS, CMBS and ABS).     9,041     9,322     9,146     9,331
                                            --------- --------- --------- ---------
       Total fixed maturity securities..... $  46,423 $  50,697 $  46,988 $  48,824
                                            ========= ========= ========= =========

  Actual maturities may differ from contractual maturities due to the exercise
of call or prepayment options. Fixed maturity securities not due at a single  
maturity date have been presented in the year of final contractual maturity.  
RMBS, CMBS and ABS are shown separately, as they are not due at a single      
maturity.                                                                     

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Continuous Gross Unrealized Losses for Fixed Maturity and Equity Securities   
AFS by Sector                                                                   

The following table presents the estimated fair value and gross unrealized
losses of fixed maturity and equity securities AFS in an unrealized loss      
position, aggregated by sector and by length of time that the securities have 
been in a continuous unrealized loss position.                                

                                                        [Enlarge/Download Table]

                                           December 31, 2014                         December 31, 2013            
                               ----------------------------------------- -----------------------------------------
                                                    Equal to or Greater                       Equal to or Greater 
                               Less than 12 Months     than 12 Months    Less than 12 Months     than 12 Months   
                               -------------------- -------------------- -------------------- --------------------
                               Estimated   Gross    Estimated   Gross    Estimated   Gross    Estimated   Gross   
                                 Fair    Unrealized   Fair    Unrealized   Fair    Unrealized   Fair    Unrealized
                                 Value     Losses     Value     Losses     Value     Losses     Value     Losses  
                               --------- ---------- --------- ---------- --------- ---------- --------- ----------
                                                   (In millions, except number of securities)                     
                                                                                                                  
Fixed maturity securities                                                                                         
U.S. corporate................  $  1,346     $   45  $    685     $   74 $   2,659     $  150  $    487     $   68
U.S. Treasury and agency......     4,067          5       163          2     4,023        246        --         --
RMBS..........................       684         26       530         42     1,097         40       491         71
Foreign corporate.............     1,031         49       133          9     1,762         79       143         10
State and political                                                                                               
 subdivision..................        11         --        24          1       645         45        64         18
CMBS..........................       124          1        78          2       279         13         7         --
ABS...........................       334          2       231          8       707          5       108          7
Foreign government............        27          1         9          1       264         18         2          1
                               --------- ---------- --------- ---------- --------- ---------- --------- ----------
 Total fixed maturity                                                                                             
  securities..................  $  7,624     $  129  $  1,853     $  139 $  11,436     $  596  $  1,302     $  175
                               ========= ========== ========= ========== ========= ========== ========= ==========
Equity securities                                                                                                 
Common stock..................  $     11     $    3  $     --     $   -- $       2     $    1  $      8     $   --
Non-redeemable preferred stock        28          1        44          6       105         21        51          8
                               --------- ---------- --------- ---------- --------- ---------- --------- ----------
 Total equity securities......  $     39     $    4  $     44     $    6 $     107     $   22  $     59     $    8
                               ========= ========== ========= ========== ========= ========== ========= ==========
Total number of securities in                                                                                     
 an unrealized loss position..       752                  333                1,247                  317           
                               =========            =========            =========            =========           

Evaluation of AFS Securities for OTTI and Evaluating Temporarily Impaired AFS 
Securities                                                                      

Evaluation and Measurement Methodologies                                    

  Management considers a wide range of factors about the security issuer and
uses its best judgment in evaluating the cause of the decline in the        
estimated fair value of the security and in assessing the prospects for     
near-term recovery. Inherent in management's evaluation of the security are 
assumptions and estimates about the operations of the issuer and its future 
earnings potential. Considerations used in the impairment evaluation process
include, but are not limited to: (i) the length of time and the extent to   
which the estimated fair value has been below cost or amortized cost;       
(ii) the potential for impairments when the issuer is experiencing          
 significant financial difficulties; (iii) the potential for impairments in an
entire industry sector or sub-sector; (iv) the potential for impairments in 
certain economically depressed geographic locations; (v) the potential for  
impairments where the issuer, series of issuers or industry has suffered a  
catastrophic loss or has exhausted                                          

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

natural resources; (vi) with respect to fixed maturity securities, whether  
the Company has the intent to sell or will more likely than not be required 
to sell a particular security before the decline in estimated fair value    
below amortized cost recovers; (vii) with respect to structured securities, 
changes in forecasted cash flows after considering the quality of underlying
 collateral, expected prepayment speeds, current and forecasted loss severity,
consideration of the payment terms of the underlying assets backing a       
 particular security, and the payment priority within the tranche structure of
the security; (viii) the potential for impairments due to weakening of      
foreign currencies on non-functional currency denominated fixed maturity    
securities that are near maturity; and (ix) other subjective factors,       
including concentrations and information obtained from regulators and rating
agencies.                                                                   

The methodology and significant inputs used to determine the amount of  
credit loss on fixed maturity securities are as follows:                    

  .  The Company calculates the recovery value by performing a discounted cash
flow analysis based on the present value of future cash flows. The  
  discount rate is generally the effective interest rate of the security
prior to impairment.                                                

.  When determining collectability and the period over which value is     
   expected to recover, the Company applies considerations utilized in its
overall impairment evaluation process which incorporates information
regarding the specific security, fundamentals of the industry and   
geographic area in which the security issuer operates, and overall  
     macroeconomic conditions. Projected future cash flows are estimated using
assumptions derived from management's best estimates of likely      
scenario-based outcomes after giving consideration to a variety of  
variables that include, but are not limited to: payment terms of the
 security; the likelihood that the issuer can service the interest and
  principal payments; the quality and amount of any credit enhancements;
the security's position within the capital structure of the issuer; 
possible corporate restructurings or asset sales by the issuer; and 
   changes to the rating of the security or the issuer by rating agencies.

.  Additional considerations are made when assessing the unique features  
  that apply to certain structured securities including, but not limited
 to: the quality of underlying collateral, expected prepayment speeds,
    current and forecasted loss severity, consideration of the payment terms
    of the underlying loans or assets backing a particular security, and the
payment priority within the tranche structure of the security.      

.  When determining the amount of the credit loss for U.S. and foreign    
corporate securities, foreign government securities and state and   
    political subdivision securities, the estimated fair value is considered
the recovery value when available information does not indicate that
  another value is more appropriate. When information is identified that
  indicates a recovery value other than estimated fair value, management
    considers in the determination of recovery value the same considerations
     utilized in its overall impairment evaluation process as described above,
 as well as any private and public sector programs to restructure such
securities.                                                         

With respect to securities that have attributes of debt and equity      
 (perpetual hybrid securities), consideration is given in the OTTI analysis as
to whether there has been any deterioration in the credit of the issuer and 
the likelihood of recovery in value of the securities that are in a severe  
and extended unrealized loss position. Consideration is also given as to    
whether any perpetual hybrid securities, with an unrealized loss, regardless
of                                                                          

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

credit rating, have deferred any dividend payments. When an OTTI loss has   
 occurred, the OTTI loss is the entire difference between the perpetual hybrid
security's cost and its estimated fair value with a corresponding charge to 
earnings.                                                                   

The cost or amortized cost of fixed maturity and equity securities is   
adjusted for OTTI in the period in which the determination is made. The     
Company does not change the revised cost basis for subsequent recoveries in 
value.                                                                      

In periods subsequent to the recognition of OTTI on a fixed maturity    
security, the Company accounts for the impaired security as if it had been  
purchased on the measurement date of the impairment. Accordingly, the       
discount (or reduced premium) based on the new cost basis is accreted over  
the remaining term of the fixed maturity security in a prospective manner   
based on the amount and timing of estimated future cash flows.              

Current Period Evaluation                                                   

Based on the Company's current evaluation of its AFS securities in an   
unrealized loss position in accordance with its impairment policy, and the  
Company's current intentions and assessments (as applicable to the type of  
security) about holding, selling and any requirements to sell these         
securities, the Company concluded that these securities were not            
 other-than-temporarily impaired at December 31, 2014. Future OTTI will depend
primarily on economic fundamentals, issuer performance (including changes in
 the present value of future cash flows expected to be collected), and changes
in credit ratings, collateral valuation, interest rates and credit spreads. 
If economic fundamentals deteriorate or if there are adverse changes in the 
above factors, OTTI may be incurred in upcoming periods.                    

   Gross unrealized losses on fixed maturity securities decreased $503 million
during the year ended December 31, 2014 from $771 million to $268 million.  
 The decrease in gross unrealized losses for the year ended December 31, 2014,
was primarily attributable to a decrease in interest rates, partially offset
by widening credit spreads.                                                 

At December 31, 2014, $38 million of the total $268 million of gross    
unrealized losses were from 12 fixed maturity securities with an unrealized 
loss position of 20% or more of amortized cost for six months or greater.   

Investment Grade Fixed Maturity Securities                                  

  Of the $38 million of gross unrealized losses on fixed maturity securities
with an unrealized loss of 20% or more of amortized cost for six months or  
greater, $20 million, or 53%, were related to gross unrealized losses on    
seven investment grade fixed maturity securities. Unrealized losses on      
investment grade fixed maturity securities are principally related to       
widening credit spreads, and with respect to fixed-rate fixed maturity      
securities, rising interest rates since purchase.                           

Below Investment Grade Fixed Maturity Securities                            

  Of the $38 million of gross unrealized losses on fixed maturity securities
with an unrealized loss of 20% or more of amortized cost for six months or  
 greater, $18 million, or 47%, were related to gross unrealized losses on five
below investment grade fixed maturity securities. Unrealized losses on below
investment grade fixed maturity securities are principally related to       
non-agency RMBS (primarily alternative residential mortgage                 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

loans) and are the result of significantly wider credit spreads resulting   
from higher risk premiums since purchase, largely due to economic and market
uncertainties including concerns over valuations of residential real estate 
supporting non-agency RMBS. Management evaluates non-agency RMBS based on   
actual and projected cash flows after considering the quality of underlying 
 collateral, expected prepayment speeds, current and forecasted loss severity,
consideration of the payment terms of the underlying assets backing a       
 particular security, and the payment priority within the tranche structure of
the security.                                                               

Equity Securities                                                           

 Gross unrealized losses on equity securities decreased $20 million during
the year ended December 31, 2014 from $30 million to $10 million. Of the $10
million, $4 million were from two equity securities with gross unrealized   
losses of 20% or more of cost for 12 months or greater, all of which were   
financial services industry investment grade non-redeemable preferred stock.

Mortgage Loans                                                                  

Mortgage Loans by Portfolio Segment                                           

Mortgage loans are summarized as follows at:                                

                                                        [Enlarge/Download Table]

                                                                December 31,                
                                                --------------------------------------------
                                                        2014                   2013         
                                                --------------------- ----------------------
                                                  Carrying     % of     Carrying     % of   
                                                    Value      Total      Value      Total  
                                                ------------- ------- ------------- --------
                                                (In millions)         (In millions)         
                                                                                            
Mortgage loans:                                                                             
 Commercial....................................      $  4,281   73.3%      $  5,115    63.9%
 Agricultural..................................         1,303    22.3         1,326     16.5
                                                ------------- ------- ------------- --------
   Subtotal....................................         5,584    95.6         6,441     80.4
 Valuation allowances..........................          (25)   (0.4)          (35)    (0.4)
                                                ------------- ------- ------------- --------
   Subtotal mortgage loans, net................         5,559    95.2         6,406     80.0
 Commercial mortgage loans held by CSEs -- FVO.           280     4.8         1,598     20.0
                                                ------------- ------- ------------- --------
     Total mortgage loans, net.................      $  5,839  100.0%      $  8,004   100.0%
                                                ============= ======= ============= ========

See "-- Variable Interest Entities" for discussion of CSEs.             

See "-- Related Party Investment Transactions" for discussion of related
party mortgage loans.                                                       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Mortgage Loans, Valuation Allowance and Impaired Loans by Portfolio Segment   

  Mortgage loans by portfolio segment, by method of evaluation of credit loss,
impaired mortgage loans including those modified in a troubled debt           
restructuring, and the related valuation allowances, were as follows at and   
for the years ended:                                                          

                                                        [Enlarge/Download Table]

                           Evaluated Individually for Credit Losses                        Evaluated Collectively for Credit Losses
              ---------------------------------------------------------------------------- ----------------------------------------
                                                        Impaired Loans without a Valuation                                         
              Impaired Loans with a Valuation Allowance          Allowance                                                         
              ----------------------------------------- ----------------------------------                                         

              Unpaid Principal   Recorded   Valuation   Unpaid Principal      Recorded      Recorded            Valuation          
                  Balance       Investment  Allowances      Balance          Investment    Investment           Allowances         
December 31,  ----------------  ----------  ----------  ----------------     ----------    ----------           ----------         
                                                             (In millions)                                                         
                                                                                                                                   
2014                                                                                                                               
Commercial...           $   --      $   --       $  --            $   --         $   --     $   4,281               $   21         
Agricultural.                4           3          --                --             --         1,300                    4         
              ----------------  ----------  ----------  ----------------     ----------    ----------           ----------         
Total........           $    4      $    3       $  --            $   --         $   --     $   5,581               $   25         
              ================  ==========  ==========  ================     ==========    ==========           ==========         
2013                                                                                                                               
Commercial...           $   22      $   22       $   7            $   52         $   50     $   5,043               $   24         
Agricultural.                4           4          --                --             --         1,322                    4         
              ----------------  ----------  ----------  ----------------     ----------    ----------           ----------         
Total........           $   26      $   26       $   7            $   52         $   50     $   6,365               $   28         
              ================  ==========  ==========  ================     ==========    ==========           ==========         
                                                                [Download Table]

                Impaired Loans   
              -------------------

                        Average  
              Carrying  Recorded 
               Value   Investment
December 31,  -------- ----------

                                 
2014                             
Commercial...   $   --     $   43
Agricultural.        3          3
              -------- ----------
Total........   $    3     $   46
              ======== ==========
2013                             
Commercial...   $   65     $   73
Agricultural.        4          2
              -------- ----------
Total........   $   69     $   75
              ======== ==========

The average recorded investment for commercial and agricultural mortgage  
loans was $67 million and $0, respectively, for the year ended December 31,   
2012.                                                                         

Valuation Allowance Rollforward by Portfolio Segment                          

  The changes in the valuation allowance, by portfolio segment, were as follows:

                                                                [Download Table]

                              Commercial Agricultural   Total 
                              ---------- ------------- -------
                                         (In millions)        
                                                              
Balance at January 1, 2012...    $    60        $    3 $    63
Provision (release)..........       (26)            --    (26)
                              ---------- ------------- -------
Balance at December 31, 2012.         34             3      37
Provision (release)..........        (3)             1     (2)
                              ---------- ------------- -------
Balance at December 31, 2013.         31             4      35
Provision (release)..........       (10)            --    (10)
                              ---------- ------------- -------
Balance at December 31, 2014.    $    21        $    4 $    25
                              ========== ============= =======

Valuation Allowance Methodology                                             

Mortgage loans are considered to be impaired when it is probable that,  
based upon current information and events, the Company will be unable to    
collect all amounts due under the loan agreement. Specific valuation        
allowances are established using the same methodology for both portfolio    
segments as the excess carrying                                             

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MetLife Insurance Company USA 
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Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

value of a loan over either (i) the present value of expected future cash   
flows discounted at the loan's original effective interest rate, (ii) the   
estimated fair value of the loan's underlying collateral if the loan is in  
the process of foreclosure or otherwise collateral dependent, or (iii) the  
loan's observable market price. A common evaluation framework is used for   
establishing non-specific valuation allowances for both loan portfolio      
segments; however, a separate non-specific valuation allowance is calculated
 and maintained for each loan portfolio segment that is based on inputs unique
to each loan portfolio segment. Non-specific valuation allowances are       
established for pools of loans with similar risk characteristics where a    
property-specific or market-specific risk has not been identified, but for  
 which the Company expects to incur a credit loss. These evaluations are based
 upon several loan portfolio segment-specific factors, including the Company's
 experience for loan losses, defaults and loss severity, and loss expectations
 for loans with similar risk characteristics. These evaluations are revised as
conditions change and new information becomes available.                    

Commercial and Agricultural Mortgage Loan Portfolio Segments                

The Company typically uses several years of historical experience in    
establishing non-specific valuation allowances which captures multiple      
 economic cycles. For evaluations of commercial mortgage loans, in addition to
historical experience, management considers factors that include the impact 
of a rapid change to the economy, which may not be reflected in the loan    
portfolio, and recent loss and recovery trend experience as compared to     
historical loss and recovery experience. For evaluations of agricultural    
mortgage loans, in addition to historical experience, management considers  
factors that include increased stress in certain sectors, which may be      
evidenced by higher delinquency rates, or a change in the number of higher  
 risk loans. On a quarterly basis, management incorporates the impact of these
current market events and conditions on historical experience in determining
the non-specific valuation allowance established for commercial and         
agricultural mortgage loans.                                                

All commercial mortgage loans are reviewed on an ongoing basis which may
 include an analysis of the property financial statements and rent roll, lease
rollover analysis, property inspections, market analysis, estimated         
valuations of the underlying collateral, loan-to-value ratios, debt service 
coverage ratios, and tenant creditworthiness. 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                          

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MetLife Insurance Company USA 
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Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

debt service coverage ratio and loan-to-value ratio, as well as the values  
utilized in calculating these ratios, are updated annually, on a rolling    
basis, with a portion of the loan portfolio updated each quarter.           

For agricultural mortgage loans, the Company's primary credit quality   
 indicator is the loan-to-value ratio. The values utilized in calculating this
 ratio are developed in connection with the ongoing review of the agricultural
mortgage loan portfolio and are routinely updated.                          

Credit Quality of Commercial Mortgage Loans                                   

The credit quality of commercial mortgage loans were as follows 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 
                       -------- ------------- ------- -------- ------ ------------- ------
                                    (In millions)                     (In millions)       
                                                                                          
December 31, 2014                                                                         
Loan-to-value ratios:                                                                     
Less than 65%......... $  3,668    $  267     $   125 $  4,060  94.8%   $  4,431     95.1%
65% to 75%............      113        14          --      127    3.0        134       2.9
76% to 80%............        9        --          --        9    0.2         10       0.2
Greater than 80%......       45        26          14       85    2.0         83       1.8
                       -------- ------------- ------- -------- ------ ------------- ------
 Total................ $  3,835    $  307     $   139 $  4,281 100.0%   $  4,658    100.0%
                       ======== ============= ======= ======== ====== ============= ======
December 31, 2013                                                                         
Loan-to-value ratios:                                                                     
Less than 65%......... $  3,946    $  135     $   122 $  4,203  82.2%   $  4,452     83.0%
65% to 75%............      720        --          37      757   14.8        766      14.3
76% to 80%............       80        12          --       92    1.8         93       1.7
Greater than 80%......       37        26          --       63    1.2         53       1.0
                       -------- ------------- ------- -------- ------ ------------- ------
 Total................ $  4,783    $  173     $   159 $  5,115 100.0%   $  5,364    100.0%
                       ======== ============= ======= ======== ====== ============= ======

Credit Quality of Agricultural Mortgage Loans                                 

The credit quality of agricultural mortgage loans were as follows at:     

                                                                [Download Table]

                                       December 31,                 
                       ---------------------------------------------
                                2014                   2013         
                       ---------------------- ----------------------
                         Recorded     % of      Recorded     % of   
                        Investment    Total    Investment    Total  
                       ------------- -------- ------------- --------
                       (In millions)          (In millions)         
                                                                    
Loan-to-value ratios:                                               
Less than 65%.........   $  1,239       95.1%   $  1,256       94.7%
65% to 75%............         64         4.9         70         5.3
                       ------------- -------- ------------- --------
 Total................   $  1,303      100.0%   $  1,326      100.0%
                       ============= ======== ============= ========

 The estimated fair value of agricultural mortgage loans was $1.4 billion at
both December 31, 2014 and 2013.                                              

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Past Due and Interest Accrual Status of Mortgage Loans                        

The Company has a high quality, well performing, mortgage loan portfolio,   
with over 99% of all mortgage loans classified as performing at both            
December 31, 2014 and 2013. The Company defines delinquency consistent with     
industry practice, when mortgage loans are past due as follows: commercial      
mortgage loans -- 60 days and agricultural mortgage loans -- 90 days. The       
Company had no mortgage loans past due and no mortgage loans in nonaccrual      
status at December 31, 2014. The Company had no agricultural mortgage loans     
past due and one commercial mortgage loan in nonaccrual status with a recorded  
investment of $22 million at December 31, 2013.                                 

Mortgage Loans Modified in a Troubled Debt Restructuring                      

For a small portion of the mortgage loan portfolio, classified as troubled  
debt restructurings, concessions are granted related to borrowers experiencing  
financial difficulties. Generally, the types of concessions include: reduction  
of the contractual interest rate, extension of the maturity date at an interest 
rate lower than current market interest rates, and/or a reduction of accrued    
interest. The amount, timing and extent of the concession granted is considered 
in determining any impairment or changes in the specific valuation allowance.   
During the years ended December 31, 2014 and 2013, the Company did not have a   
significant amount of mortgage loans modified in a troubled debt restructuring. 

Other Invested Assets                                                           

 Other invested assets is comprised primarily of freestanding derivatives with
positive estimated fair values (see Note 9), funds withheld, tax credit and     
renewable energy partnerships, operating joint ventures, leveraged leases and   
loans to affiliates (see " -- Related Party Investment Transactions).           

Leveraged Leases                                                              

Investment in leveraged leases consisted of the following at:             

                                                        [Enlarge/Download Table]

                                                                        December 31,    
                                                                     -------------------
                                                                       2014      2013   
                                                                     --------- ---------
                                                                        (In millions)   
                                                                                        
Rental receivables, net............................................. $      92 $      92
Estimated residual values...........................................        14        14
                                                                     --------- ---------
   Subtotal.........................................................       106       106
Unearned income.....................................................      (34)      (35)
                                                                     --------- ---------
       Investment in leveraged leases, net of non-recourse debt..... $      72 $      71
                                                                     ========= =========

Rental receivables are generally due in periodic installments. The payment  
periods for leveraged leases range from one to 18 years. For rental             
receivables, the primary credit quality indicator is whether the rental         
receivable is performing or nonperforming, which is assessed monthly. The       
Company generally defines nonperforming rental receivables as those that are 90 
days or more past due. At December 31, 2014 and 2013, all rental receivables    
were performing.                                                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

 The deferred income tax liability related to leveraged leases was $71 million
and $63 million at December 31, 2014 and 2013, 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 $681 million and $527 million at December 31, 2014    
and 2013, respectively.                                                         

Net Unrealized Investment Gains (Losses)                                        

Unrealized investment gains (losses) on fixed maturity and equity securities
AFS and the effect on DAC, VOBA, DSI and future policy benefits that would      
result from the realization of the unrealized gains (losses), are included in   
net unrealized investment gains (losses) in AOCI.                               

 The components of net unrealized investment gains (losses), included in AOCI,
were as follows:                                                                

                                                        [Enlarge/Download Table]

                                                                         Years Ended December 31, 
                                                                        --------------------------
                                                                          2014     2013     2012  
                                                                        -------- -------- --------
                                                                              (In millions)       
                                                                                                  
Fixed maturity securities.............................................. $  4,311 $  1,884 $  5,232
Fixed maturity securities with noncredit OTTI losses in AOCI...........     (34)     (45)     (70)
                                                                        -------- -------- --------
 Total fixed maturity securities.......................................    4,277    1,839    5,162
Equity securities......................................................       69       13        9
Derivatives............................................................      282       38      244
Short-term investments.................................................       --       --      (2)
Other..................................................................        9     (71)     (18)
                                                                        -------- -------- --------
 Subtotal..............................................................    4,637    1,819    5,395
                                                                        -------- -------- --------
Amounts allocated from:                                                                           
 Future policy benefits................................................    (503)       --    (740)
 DAC and VOBA related to noncredit OTTI losses recognized in                                      
   AOCI................................................................      (2)       --        5
 DAC, VOBA and DSI.....................................................    (403)    (287)    (690)
                                                                        -------- -------- --------
   Subtotal............................................................    (908)    (287)  (1,425)
Deferred income tax benefit (expense) related to noncredit OTTI losses                            
  recognized in AOCI...................................................       12       15       22
Deferred income tax benefit (expense)..................................  (1,308)    (606)  (1,423)
                                                                        -------- -------- --------
 Net unrealized investment gains (losses).............................. $  2,433 $    941 $  2,569
                                                                        ======== ======== ========

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Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

The changes in fixed maturity securities with noncredit OTTI losses included
in AOCI were as follows:                                                        

                                                                [Download Table]

                                                          Years Ended December 31,  
                                                         ---------------------------
                                                             2014          2013     
                                                         ------------- -------------
                                                                (In millions)       
                                                                                    
Balance at January 1,................................... $        (45) $        (70)
Noncredit OTTI losses and subsequent changes recognized.             6            11
Securities sold with previous noncredit OTTI loss.......             9            23
Subsequent changes in estimated fair value..............           (4)           (9)
                                                         ------------- -------------
Balance at December 31,................................. $        (34) $        (45)
                                                         ============= =============

The changes in net unrealized investment gains (losses) were as follows:    

                                                        [Enlarge/Download Table]

                                                                        Years Ended December 31,    
                                                                    --------------------------------
                                                                       2014       2013       2012   
                                                                    ---------- ---------- ----------
                                                                             (In millions)          
                                                                                                    
Balance at January 1,.............................................. $      941 $    2,569 $    1,971
Fixed maturity securities on which noncredit OTTI losses have been                                  
  recognized.......................................................         11         25         65
Unrealized investment gains (losses) during the year...............      2,807    (3,601)      1,460
Unrealized investment gains (losses) relating to:                                                   
 Future policy benefits............................................      (503)        740      (405)
 DAC and VOBA related to noncredit OTTI losses recognized in                                        
   AOCI............................................................        (2)        (5)        (6)
 DAC, VOBA and DSI.................................................      (116)        403      (170)
 Deferred income tax benefit (expense) related to noncredit OTTI                                    
   losses recognized in AOCI.......................................        (3)        (7)       (21)
 Deferred income tax benefit (expense).............................      (702)        817      (325)
                                                                    ---------- ---------- ----------
Balance at December 31,............................................ $    2,433 $      941 $    2,569
                                                                    ========== ========== ==========
 Change in net unrealized investment gains (losses)................ $    1,492 $  (1,628) $      598
                                                                    ========== ========== ==========

Concentrations of Credit Risk                                                   

There were no investments in any counterparty that were greater than 10% of 
the Company's stockholder's equity, other than the U.S. government and its      
agencies, at both December 31, 2014 and 2013.                                   

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Securities Lending                                                              

Elements of the securities lending program are presented below at:          

                                                                [Download Table]

                                                            December 31,     
                                                        ---------------------
                                                           2014       2013   
                                                        ---------- ----------
                                                            (In millions)    
                                                                             
Securities on loan: (1)                                                      
 Amortized cost........................................ $    5,748 $    6,180
 Estimated fair value.................................. $    6,703 $    6,226
Cash collateral on deposit from counterparties (2)..... $    6,781 $    6,389
Security collateral on deposit from counterparties (3). $       60 $       --
Reinvestment portfolio -- estimated fair value......... $    6,846 $    6,392

--------                                                                        

(1)Included within fixed maturity securities, short-term investments, cash and  
cash equivalents and equity securities.                                   

(2)Included within payables for collateral under securities loaned and other    
transactions.                                                             

(3)Security collateral on deposit from counterparties may not be sold or        
re-pledged, unless the counterparty is in default, and is not reflected in
the consolidated financial statements.                                    

Invested Assets on Deposit, Held in Trust and Pledged as Collateral             

Invested assets on deposit, held in trust 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,     
                                                                             ---------------------
                                                                                2014       2013   
                                                                             ---------- ----------
                                                                                 (In millions)    
                                                                                                  
Invested assets on deposit (regulatory deposits) (1)........................ $    7,334 $       63
Invested assets held in trust (reinsurance agreements) (2)..................        936      2,754
Invested assets pledged as collateral (3)...................................      3,174      3,431
                                                                             ---------- ----------
 Total invested assets on deposit, held in trust, and pledged as collateral. $   11,444 $    6,248
                                                                             ========== ==========

--------                                                                        

(1)See Note 3 for information about invested assets that became restricted in   
  connection with MetLife Insurance Company of Connecticut's withdrawal of its
New York license.                                                         

(2)The Company has held in trust certain investments, primarily fixed maturity  
securities, in connection with certain reinsurance transactions.          

(3)The Company has pledged invested assets in connection with various           
agreements and transactions, including funding agreements (see Note 5) and
derivative transactions (see Note 9).                                     

See "-- Securities Lending" for information regarding securities on loan.   

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MetLife Insurance Company USA 
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Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

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 fixed maturity securities were as follows at:             

                                                                [Download Table]

                                                    December 31,     
                                                ---------------------
                                                   2014       2013   
                                                ---------- ----------
                                                    (In millions)    
                                                                     
Outstanding principal and interest balance (1). $      653 $      667
Carrying value (2)............................. $      504 $      508

--------                                                                        

(1)Represents the contractually required payments, which is the sum of          
contractual principal, whether or not currently due, and accrued interest.

(2)Estimated fair value plus accrued interest.                                  

The following table presents information about PCI fixed maturity securities
acquired during the periods indicated:                                          

                                                                [Download Table]

                                                      Years Ended December 31,
                                                      ------------------------
                                                         2014         2013    
                                                       ----------  ---------- 
                                                          (In millions)       
                                                                              
Contractually required payments (including interest). $      102   $      260 
Cash flows expected to be collected (1).............. $       78   $      198 
Fair value of investments acquired................... $       54   $      138 

--------                                                                        

(1)Represents undiscounted principal and interest cash flow expectations, at    
the date of acquisition.                                                  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

The following table presents activity for the accretable yield on PCI fixed 
maturity securities for:                                                        

                                                                [Download Table]

                                                     Years Ended December 31,
                                                     ------------------------
                                                        2014         2013    
                                                      ----------  ---------- 
                                                         (In millions)       
                                                                             
Accretable yield, January 1,........................ $      315   $      309 
Investments purchased...............................         24           60 
Accretion recognized in earnings....................       (25)         (24) 
Disposals...........................................       (13)          (8) 
Reclassification (to) from nonaccretable difference.       (50)         (22) 
                                                      ----------  ---------- 
Accretable yield, December 31,...................... $      251   $      315 
                                                      ==========  ========== 

Collectively Significant Equity Method Investments                              

The Company holds investments in real estate joint ventures, real estate    
funds and other limited partnership interests consisting of leveraged buy-out   
funds, hedge funds, private equity funds, joint ventures and other funds. The   
portion of these investments accounted for under the equity method had a        
carrying value of $2.9 billion at December 31, 2014. 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 $777 million   
at December 31, 2014. Except for certain real estate joint ventures, the        
Company's investments in real estate funds and other limited partnership        
interests are generally of a passive nature in that the Company does not        
participate in the management of the entities.                                  

As described in Note 1, the Company generally records its share of earnings 
in its equity method investments using a three-month lag methodology and within 
net investment income. Aggregate net investment income from these equity method 
investments exceeded 10% of the Company's consolidated pre-tax income (loss)    
from continuing operations for the three most recent annual periods: 2014, 2013 
and 2012. 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, 2014, 2013 and 2012. Aggregate total assets of these entities      
totaled $264.7 billion and $217.3 billion at December 31, 2014 and 2013,        
respectively. Aggregate total liabilities of these entities totaled $23.2       
billion and $16.3 billion at December 31, 2014 and 2013, respectively.          
Aggregate net income (loss) of these entities totaled $25.1 billion, $20.9      
billion and $13.1 billion for the years ended December 31, 2014, 2013 and 2012, 
respectively. Aggregate net income (loss) from the underlying entities in which 
the Company invests is primarily comprised of investment income, including      
recurring investment income and realized and unrealized investment gains        
(losses).                                                                       

Variable Interest Entities                                                      

The Company has invested in certain structured transactions (including CSEs)
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.                                                     

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Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

The determination of the VIE's primary beneficiary requires an evaluation of
the contractual and implied rights and obligations associated with each party's 
relationship with or involvement in the entity, an estimate of the entity's     
expected losses and expected residual returns and the allocation of such        
estimates to each party involved in the entity. The Company generally uses a    
qualitative approach to determine whether it is the primary beneficiary.        
However, for VIEs that are investment companies or apply measurement principles 
consistent with those utilized by investment companies, the primary beneficiary 
is based on a risks and rewards model and is defined as the entity that will    
absorb a majority of a VIE's expected losses, receive a majority of a VIE's     
expected residual returns if no single entity absorbs a majority of expected    
losses, or both. The Company reassesses its involvement with VIEs on a          
quarterly basis. The use of different methodologies, assumptions and inputs in  
the determination of the primary beneficiary could have a material effect on    
the amounts presented within the consolidated financial statements.             

Consolidated VIEs                                                             

  The following table presents the total assets and total liabilities relating
to VIEs for which the Company has concluded that it is the primary beneficiary
and which are consolidated at December 31, 2014 and 2013. Creditors or        
beneficial interest holders of VIEs where the Company is the primary          
beneficiary have no recourse to the general credit of the Company, as the     
Company's obligation to the VIEs is limited to the amount of its committed    
investment.                                                                   

                                                                [Download Table]

                                               December 31,   
                                             -----------------
                                               2014     2013  
                                             -------- --------
                                               (In millions)  
                                                              
CSEs: (1)                                                     
Assets:                                                       
 Mortgage loans (commercial mortgage loans). $    280 $  1,598
 Accrued investment income..................        2        9
                                             -------- --------
   Total assets............................. $    282 $  1,607
                                             ======== ========
Liabilities:                                                  
 Long-term debt............................. $    139 $  1,461
 Other liabilities..........................        1        7
                                             -------- --------
   Total liabilities........................ $    140 $  1,468
                                             ======== ========

--------                                                                        

(1)The Company consolidates entities that are structured as CMBS. The assets of 
 these entities can only be used to settle their respective liabilities, and
under no circumstances is the Company liable for any principal or interest
shortfalls should any arise. The Company's exposure was limited to that of
 its remaining investment in these entities of $123 million and $120 million
at estimated fair value at December 31, 2014 and 2013, respectively. The  
  long-term debt bears interest primarily at fixed rates ranging from 2.25% to
5.57%, payable primarily on a monthly basis. Interest expense related to  
  these obligations, included in other expenses, was $36 million, $122 million
and $163 million for the years ended December 31, 2014, 2013 and 2012,    
respectively.                                                             

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MetLife Insurance Company USA 
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Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Unconsolidated VIEs                                                           

The carrying amount and maximum exposure to loss relating to VIEs in which
the Company holds a significant variable interest but is not the primary      
beneficiary and which have not been consolidated were as follows at:          

                                                        [Enlarge/Download Table]

                                                                December 31,                
                                                 -------------------------------------------
                                                         2014                  2013         
                                                 --------------------- ---------------------
                                                             Maximum               Maximum  
                                                 Carrying   Exposure   Carrying   Exposure  
                                                  Amount   to Loss (1)  Amount   to Loss (1)
                                                 --------- ----------- --------- -----------
                                                                (In millions)               
                                                                                            
Fixed maturity securities AFS:                                                              
 Structured securities (RMBS, CMBS and ABS) (2). $   9,322  $   9,322  $   9,331  $   9,331 
 U.S. and foreign corporate.....................       526        526        494        494 
Other limited partnership interests.............     1,774      2,162      1,670      2,096 
Real estate joint ventures......................        47         51         41         45 
Other invested assets...........................        37         47          9         44 
Equity securities AFS:                                                                      
 Non-redeemable preferred stock.................        19         19         18         18 
                                                 ---------  ---------  ---------  --------- 
   Total........................................ $  11,725  $  12,127  $  11,563  $  12,028 
                                                 =========  =========  =========  ========= 

--------                                                                        

(1)The maximum exposure to loss relating to fixed maturity and equity           
  securities AFS is equal to their carrying amounts or the carrying amounts of
retained interests. The maximum exposure to loss relating to other limited
partnership interests and real estate joint ventures is equal to the      
carrying amounts plus any unfunded commitments of the Company. 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 less than $1 million and $0 at     
December 31, 2014 and 2013, 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 the years ended December 31, 2014, 2013 and 2012.                 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Net Investment Income                                                           

The components of net investment income were as follows:                    

                                                                [Download Table]

                                                          Years Ended December 31,
                                                          ------------------------
                                                           2014     2013    2012  
                                                           ------  ------  ------ 
                                                             (In millions)        
                                                                                  
Investment income:                                                                
 Fixed maturity securities............................... $1,954   $2,235  $2,245 
 Equity securities.......................................     17       13      11 
 Mortgage loans..........................................    337      360     372 
 Policy loans............................................     59       57      61 
 Real estate and real estate joint ventures..............     80       56      83 
 Other limited partnership interests.....................    266      270     168 
 Cash, cash equivalents and short-term investments.......      5        7      11 
 Operating joint ventures................................      2      (5)     (2) 
 Other...................................................      3      (2)     (6) 
                                                           ------  ------  ------ 
   Subtotal..............................................  2,723    2,991   2,943 
 Less: Investment expenses...............................    103      124     117 
                                                           ------  ------  ------ 
   Subtotal, net.........................................  2,620    2,867   2,826 
                                                           ------  ------  ------ 
FVO securities (1).......................................     --       --      62 
FVO CSEs -- interest income -- commercial mortgage loans.     49      132     172 
                                                           ------  ------  ------ 
   Subtotal..............................................     49      132     234 
                                                           ------  ------  ------ 
     Net investment income............................... $2,669   $2,999  $3,060 
                                                           ======  ======  ====== 

--------                                                                        

(1)There were no changes in estimated fair value subsequent to purchase for     
securities still held as of the end of the year included in net investment
income for the year ended December 31, 2012.                              

See "-- Variable Interest Entities" for discussion of CSEs.                 

See "-- Related Party Investment Transactions" for discussion of affiliated 
net investment income and investment expenses.                                  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Net Investment Gains (Losses)                                                   

Components of Net Investment Gains (Losses)                                   

The components of net investment gains (losses) were as follows:            

                                                        [Enlarge/Download Table]

                                                                           Years Ended December 31,
                                                                         --------------------------
                                                                          2014     2013     2012   
                                                                         ------    -----    -----  
                                                                           (In millions)           
                                                                                                   
Total gains (losses) on fixed maturity securities:                                                 
 Total OTTI losses recognized -- by sector and industry:                                           
   U.S. and foreign corporate securities -- by industry:                                           
     Transportation..................................................... $  (2)    $ (3)    $(16)  
     Consumer...........................................................    (2)       --       --  
     Finance............................................................     --      (3)      (8)  
     Utility............................................................     --       --      (4)  
     Communications.....................................................     --       --      (2)  
     Industrial.........................................................     --       --      (1)  
                                                                         ------    -----    -----  
       Total U.S. and foreign corporate securities......................    (4)      (6)     (31)  
   RMBS.................................................................    (8)     (14)     (20)  
                                                                         ------    -----    -----  
       OTTI losses on fixed maturity securities recognized in                                      
         earnings.......................................................   (12)     (20)     (51)  
 Fixed maturity securities -- net gains (losses) on sales and disposals.     26       61      144  
                                                                         ------    -----    -----  
   Total gains (losses) on fixed maturity securities                         14       41       93  
                                                                         ------    -----    -----  
Total gains (losses) on equity securities:                                                         
 Total OTTI losses recognized -- by sector:                                                        
   Non-redeemable preferred stock.......................................    (8)      (3)       --  
   Common stock.........................................................    (7)      (2)      (9)  
                                                                         ------    -----    -----  
       OTTI losses on equity securities recognized in earnings..........   (15)      (5)      (9)  
 Equity securities -- net gains (losses) on sales and disposals.........     14       10        9  
                                                                         ------    -----    -----  
   Total gains (losses) on equity securities                                (1)        5       --  
                                                                         ------    -----    -----  
 Mortgage loans.........................................................     17        5       26  
 Real estate and real estate joint ventures.............................    (4)        2      (3)  
 Other limited partnership interests....................................    (9)      (6)      (2)  
 Other investment portfolio gains (losses)..............................     43      (2)     (12)  
                                                                         ------    -----    -----  
     Subtotal -- investment portfolio gains (losses)                         60       45      102  
                                                                         ------    -----    -----  
FVO CSEs:                                                                                          
   Commercial mortgage loans............................................   (13)     (56)        7  
   Long-term debt -- related to commercial mortgage loans...............     19       88       27  
Non-investment portfolio gains (losses) (1).............................  (535)     (50)       54  
                                                                         ------    -----    -----  
     Subtotal FVO CSEs and non-investment portfolio gains (losses)        (529)     (18)       88  
                                                                         ------    -----    -----  
       Total net investment gains (losses).............................. $(469)    $  27    $ 190  
                                                                         ======    =====    =====  

--------                                                                        

(1)Non-investment portfolio gains (losses) for the year ended December 31, 2014 
includes a loss of $608 million related to the disposition of MAL as more 
fully described in Note 4.                                                

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

See "-- Variable Interest Entities" for discussion of CSEs.               

 See "-- Related Party Investment Transactions" for discussion of affiliated
net investment gains (losses) related to transfers of invested assets to      
affiliates.                                                                   

Gains (losses) from foreign currency transactions included within net     
investment gains (losses) were $66 million, ($59) million and $39 million for 
the years ended December 31, 2014, 2013 and 2012, respectively.               

Sales or Disposals and Impairments of Fixed Maturity and Equity Securities    

  Proceeds from sales or disposals of fixed maturity and equity securities and
the components of fixed maturity and equity securities net investment gains   
(losses) are as shown in the table below. Investment gains and losses on sales
of securities are determined on a specific identification basis.              

                                                                [Download Table]

                                            Years Ended December 31,             
                                -------------------------------------------------
                                  2014     2013    2012    2014    2013    2012  
                                -------- -------- ------- ------- ------- -------
                                Fixed Maturity Securities    Equity Securities   
                                ------------------------- -----------------------
                                                  (In millions)                  
                                                                                 
Proceeds....................... $ 14,649 $ 11,719 $ 7,300 $    57 $    75 $    48
                                ======== ======== ======= ======= ======= =======
Gross investment gains......... $     84 $    194 $   189 $    15 $    18 $     9
Gross investment losses........     (58)    (133)    (45)     (1)     (8)      --
OTTI losses (1)................     (12)     (20)    (51)    (15)     (5)     (9)
                                -------- -------- ------- ------- ------- -------
 Net investment gains (losses). $     14 $     41 $    93 $   (1) $     5 $    --
                                ======== ======== ======= ======= ======= =======

--------                                                                        

(1)OTTI losses recognized in earnings include noncredit-related impairment      
losses of $0, $3 million and $8 million for the years ended December 31,  
2014, 2013 and 2012, respectively, on (i) perpetual hybrid securities     
  classified within fixed maturity securities where the primary reason for the
impairment was the severity and/or the duration of an unrealized loss     
position and, (ii) fixed maturity securities where there is an intent to  
  sell or it is more likely than not that the Company will be required to sell
the security before recovery of the decline in estimated fair value.      

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

Credit Loss Rollforward                                                       

The table below presents a rollforward of the cumulative credit loss        
component of OTTI loss recognized in earnings on fixed maturity securities      
still held for which a portion of the OTTI loss was recognized in OCI:          

                                                        [Enlarge/Download Table]

                                                                         Years Ended December 31,  
                                                                        ---------------------------
                                                                            2014          2013     
                                                                        ------------- -------------
                                                                               (In millions)       
                                                                                                   
Balance at January 1,.................................................. $          59 $          61
Additions:                                                                                         
 Initial impairments -- credit loss OTTI recognized on securities not                              
   previously impaired.................................................            --             1
 Additional impairments -- credit loss OTTI recognized on securities                               
   previously impaired.................................................             7            12
Reductions:                                                                                        
 Sales (maturities, pay downs or prepayments) of securities previously                             
   impaired as credit loss OTTI........................................           (9)          (15)
                                                                        ------------- -------------
Balance at December 31,................................................ $          57 $          59
                                                                        ============= =============

Related Party Investment Transactions                                           

 The Company transfers invested assets, primarily consisting of fixed maturity
securities, to and from affiliates. Invested assets transferred to and from     
affiliates were as follows:                                                     

                                                        [Enlarge/Download Table]

                                                                      Years Ended December 31,  
                                                                     ---------------------------
                                                                        2014      2013    2012  
                                                                     ---------- -------- -------
                                                                            (In millions)       
                                                                                                
Estimated fair value of invested assets transferred to affiliates... $    1,441 $    874 $    --
Amortized cost of invested assets transferred to affiliates......... $    1,362 $    827 $    --
Net investment gains (losses) recognized on transfers............... $       79 $     47 $    --
Estimated fair value of invested assets transferred from affiliates. $      132 $    834 $   857

Prior to the Mergers, certain related party investment transactions were
 consummated as summarized below. See Note 3 for additional information on the
Mergers.                                                                    

.  In July 2014, the Company sold affiliated loans to other affiliates, which 
   were included in other invested assets and in the table above, at estimated
 fair value totaling $520 million and a $45 million gain was recognized in
   net investment gains (losses). The affiliated loans had an unpaid principal
  balance of $350 million and $125 million and were due on July 15, 2021 and
  December 16, 2021, respectively, and bore interest, payable semi-annually,
at 5.64% and 5.86%, respectively. Net investment income from these      
  affiliated loans was $13 million, $28 million and $4 million for the years
ended December 31, 2014, 2013 and 2012, respectively.                   

.  In 2013, the Company transferred invested assets to and from MLIC of $739  
 million and $751 million, respectively, related to the establishment of a
custodial account to secure certain policyholder liabilities, which is  
included in the table above.                                            

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

8. Investments (continued)                                                      

The Company has affiliated loans outstanding to wholly-owned real estate    
subsidiaries of an affiliate, MLIC, which are included in mortgage loans, with  
a carrying value of $242 million and $364 million at December 31, 2014 and      
2013, respectively. A loan with a carrying value of $110 million, at both       
December 31, 2014 and 2013, bears interest at one-month LIBOR + 1.95% with      
quarterly interest only payments of $1 million through January 2015, when the   
principal balance is due. A loan with a carrying value of $132 million and $134 
million at December 31, 2014 and 2013, respectively, bears interest at 7.26%    
due in quarterly principal and interest payments of $3 million through January  
2020, when the principal balance is due. In November 2014, two mortgage loans   
with a total carrying value of $120 million were paid off early. These          
affiliated loans are secured by interests in the real estate subsidiaries,      
which own operating real estate with a fair value in excess of the loans. Net   
investment income from these affiliated loans was $34 million, $16 million and  
$17 million for the years ended December 31, 2014, 2013 and 2012, respectively. 
Included in net investment income for the year ended December 31, 2014, is $16  
million in mortgage loan prepayment income from the two early loan payoffs      
described above.                                                                

The Company receives investment administrative services from an affiliate.  
The related investment administrative service charges were $62 million, $76     
million, and $78 million for years ended December 31, 2014, 2013 and 2012,      
respectively. The Company also had affiliated net investment income of less     
than $1 million, $1 million, and less than $1 million for the years ended       
December 31, 2014, 2013, and 2012, respectively.                                

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 whose values are derived from interest
rates, foreign currency exchange rates, credit spreads and/or other financial   
indices. Derivatives may be exchange-traded or contracted in the                
over-the-counter ("OTC") market. Certain of the Company's OTC derivatives are   
cleared and settled through central clearing counterparties ("OTC-cleared"),    
while others are bilateral contracts between two counterparties                 
("OTC-bilateral"). The types of derivatives the Company uses include swaps,     
forwards, futures and option contracts. To a lesser extent, the Company uses    
credit default swaps to synthetically replicate investment risks and returns    
which are not readily available in the cash market.                             

Interest Rate Derivatives                                                     

The Company uses a variety of interest rate derivatives to reduce its     
exposure to changes in interest rates, including interest rate swaps, caps,   
floors, futures and forwards.                                                 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

  Interest rate swaps are used by the Company primarily to reduce market risks
from changes in interest rates and to alter interest rate exposure arising    
from mismatches between assets and liabilities (duration mismatches). In an   
interest rate swap, the Company agrees with another party to exchange, at     
specified intervals, the difference between fixed rate and floating rate      
interest amounts as calculated by reference to an agreed notional amount. The 
Company utilizes interest rate swaps in fair value, cash flow and             
non-qualifying hedging relationships.                                         

  The Company purchases interest rate caps and floors primarily to protect its
floating rate liabilities against rises in interest rates above a specified   
level, and against interest rate exposure arising from mismatches between     
assets and liabilities, as well as to protect its minimum rate guarantee      
liabilities against declines in interest rates below a specified level,       
respectively. In certain instances, the Company locks in the economic impact  
of existing purchased caps and floors by entering into offsetting written caps
and floors. The Company utilizes interest rate caps and floors in             
non-qualifying hedging relationships.                                         

In exchange-traded interest rate (Treasury and swap) futures transactions,
the Company agrees to purchase or sell a specified number of contracts, the   
value of which is determined by the different classes of interest rate        
securities, and to post variation margin on a daily basis in an amount equal  
to the difference in the daily market values of those contracts. The Company  
enters into exchange-traded futures with regulated futures commission         
merchants that are members of the exchange. Exchange-traded interest rate     
(Treasury and swap) futures are used primarily to hedge mismatches between the
duration of assets in a portfolio and the duration of liabilities supported by
those assets, to hedge against changes in value of securities the Company owns
or anticipates acquiring, 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 non-qualifying hedging relationships.                

Swaptions are used by the Company to hedge interest rate risk associated  
with the Company's long-term liabilities and invested assets. A swaption is an
option to enter into a swap with a forward starting effective date. In certain
instances, the Company locks in the economic impact of existing purchased     
swaptions by entering into offsetting written swaptions. The Company pays a   
premium for purchased swaptions and receives a premium for written swaptions. 
The Company utilizes swaptions in non-qualifying 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 hedging relationships.                             

Foreign Currency Exchange Rate Derivatives                                    

  The Company uses foreign currency swaps to reduce the risk from fluctuations
in foreign currency exchange rates associated with its assets and liabilities 
denominated in foreign currencies. In a foreign currency swap transaction, the
Company agrees with another party to exchange, at specified intervals, the    
difference between one currency and another at a fixed exchange rate,         
generally set at inception, calculated by reference to an agreed upon notional
amount. The notional amount of each currency is exchanged at the inception and
termination of the currency swap by each party. The Company utilizes foreign  
currency swaps in fair value, cash flow and non-qualifying hedging            
relationships.                                                                

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

To a lesser extent, the Company uses foreign currency forwards and        
exchange-traded currency futures in non-qualifying hedging relationships.     

Credit Derivatives                                                            

The Company enters into purchased credit default swaps to hedge against   
credit-related changes in the value of its investments. In a credit default   
swap transaction, the Company agrees with another party to pay, at specified  
intervals, a premium to hedge credit risk. If a credit event occurs, as       
defined by the contract, the contract may be cash settled or it may be settled
gross by the delivery of par quantities of the referenced investment equal to 
the specified swap notional 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, repudiation, moratorium, involuntary restructuring or
governmental intervention. In each case, payout on a credit default swap is   
triggered only after the Credit Derivatives Determinations Committee of the   
International Swaps and Derivatives Association, Inc. ("ISDA") deems that a   
credit event has occurred. The Company utilizes credit default swaps in       
non-qualifying hedging relationships.                                         

  The Company enters into written credit default swaps to synthetically create
credit investments that are either more expensive to acquire or otherwise     
unavailable in the cash markets. These transactions are a combination of a    
derivative and one or more cash instruments, such as U.S. Treasury securities,
agency securities or other fixed maturity securities. These credit default    
swaps are not designated as hedging instruments.                              

  To a lesser extent, the Company uses credit forwards to lock in the price to
be paid for forward purchases of certain securities. The Company utilizes     
credit forwards in cash flow hedging relationships.                           

Equity Derivatives                                                            

The Company uses a variety of equity derivatives to reduce its exposure to
equity market risk, including equity index options, equity variance swaps,    
exchange-traded equity futures and total rate of return swaps ("TRRs").       

Equity index options are used by the Company primarily to hedge minimum   
guarantees embedded in certain variable annuity products offered by the       
Company. To hedge against adverse changes in equity indices, the Company      
enters into contracts to sell the equity index within a limited time at a     
contracted price. The contracts will be net settled in cash based on          
differentials in the indices at the time of exercise and the strike price.    
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 non-qualifying hedging relationships.        

Equity variance swaps are used by the Company primarily to hedge minimum  
guarantees embedded in certain variable annuity products offered by the       
Company. In an equity variance swap, the Company agrees with another party to 
exchange amounts in the future, based on changes in equity volatility over a  
defined period. The Company utilizes equity variance swaps in non-qualifying  
hedging relationships.                                                        

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

In exchange-traded equity futures transactions, the Company agrees to     
purchase or sell a specified number of contracts, the value of which is       
determined by the different classes of equity securities, and to post         
variation margin on a daily basis in an amount equal to the difference in the 
daily market values of those contracts. The Company enters into               
exchange-traded futures with regulated futures commission merchants that are  
members of the exchange. Exchange-traded equity futures are used primarily to 
hedge minimum guarantees embedded in certain variable annuity products offered
by the Company. The Company utilizes exchange-traded equity futures in        
non-qualifying hedging relationships.                                         

  TRRs are swaps whereby the Company agrees with another party to exchange, at
specified intervals, the difference between the economic risk and reward of an
asset or a market index and the LIBOR, calculated by reference to an agreed   
notional amount. No cash is exchanged at the outset of the contract. Cash is  
paid and received over the life of the contract based on the terms of the     
swap. The Company uses TRRs to hedge its equity market guarantees in certain  
of its insurance products. TRRs can be used as hedges or to synthetically     
create investments. The Company utilizes TRRs in non-qualifying hedging       
relationships.                                                                

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

Primary Risks Managed by Derivatives                                            

The following table presents the gross notional amount, estimated fair value
and primary underlying risk exposure of the Company's derivatives, excluding    
embedded derivatives, held at:                                                  

                                                        [Enlarge/Download Table]

                                                                                      December 31,                          
                                                             ---------------------------------------------------------------
                                                                          2014                            2013              
                                                             ------------------------------- -------------------------------
                                                                        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.................... $      379 $     33  $      2   $      446 $      5  $     10  
  Foreign currency swaps.. Foreign currency exchange rate...         --       --        --          122       --        13  
                                                             ---------- --------  --------   ---------- --------  --------  
   Subtotal..............................................           379       33         2          568        5        23  
                                                             ---------- --------  --------   ---------- --------  --------  
Cash flow hedges:                                                                                                           
  Interest rate swaps..... Interest rate....................        369       81        --          537        6        32  
  Interest rate forwards.. Interest rate....................        155       45        --          245        3         3  
  Foreign currency swaps.. Foreign currency exchange rate...        728       56         9          574       26        38  
                                                             ---------- --------  --------   ---------- --------  --------  
   Subtotal..............................................         1,252      182         9        1,356       35        73  
                                                             ---------- --------  --------   ---------- --------  --------  
    Total qualifying hedges.............................          1,631      215        11        1,924       40        96  
                                                             ---------- --------  --------   ---------- --------  --------  
Derivatives Not Designated or Not Qualifying as Hedging                                                                     
Instruments                                                                                                                 
Interest rate swaps....... Interest rate....................     25,919    1,709       601       46,224    1,933     1,026  
Interest rate floors...... Interest rate....................     16,404       83        69       19,644      112       103  
Interest rate caps........ Interest rate....................      7,901       11        --        9,651       36        --  
Interest rate futures..... Interest rate....................        325        1        --        5,905        9         9  
Interest rate options..... Interest rate....................     29,870      446        16       17,690      131       236  
Foreign currency swaps.... Foreign currency exchange rate...        672       59         4          920       53        46  
Foreign currency forwards. Foreign currency exchange rate...         48        3        --        2,380        1       172  
Currency futures.......... Foreign currency exchange rate...         --       --        --          365        1         1  
Credit default                                                                                                              
 swaps -- purchased....... Credit...........................         45       --         1          166       --         1  
Credit default                                                                                                              
 swaps -- written......... Credit...........................      1,924       29         1        2,263       38        --  
Equity futures............ Equity market....................      3,086       34        --        5,105        1        43  
Equity index options...... Equity market....................     27,212      854       613       35,011    1,329     1,047  
Equity variance swaps..... Equity market....................     15,433      120       435       21,187      174       564  
TRRs...................... Equity market....................      2,332       12        67        3,802       --       179  
                                                             ---------- --------  --------   ---------- --------  --------  
   Total non-designated or non-qualifying derivatives....       131,171    3,361     1,807      170,313    3,818     3,427  
                                                             ---------- --------  --------   ---------- --------  --------  
    Total...............................................     $  132,802 $  3,576  $  1,818   $  172,237 $  3,858  $  3,523  
                                                             ========== ========  ========   ========== ========  ========  

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, 2014 and 2013. The Company's use of           
derivatives includes (i) derivatives that serve as macro hedges of the          
Company's exposure to various risks and that generally do not qualify for hedge 
accounting due to the criteria required under the portfolio hedging rules;      
(ii) derivatives that economically hedge insurance liabilities that contain     
mortality or morbidity risk and that generally do not qualify for hedge         
accounting because the lack of these risks in the derivatives cannot support an 
expectation of a highly effective hedging relationship; (iii) derivatives that  
economically hedge embedded derivatives that do not qualify for hedge           
accounting because the changes in estimated fair value of the embedded          
derivatives are already recorded in net income; and (iv) written credit default 
swaps that are used to synthetically                                            

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

create credit investments and that do not qualify for hedge accounting because  
they do not involve a hedging relationship. For these non-qualified             
derivatives, changes in market factors can lead to the recognition of fair      
value changes 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:            

                                                                [Download Table]

                                             Years Ended December 31, 
                                            --------------------------
                                              2014     2013     2012  
                                            -------- -------- --------
                                                  (In millions)       
                                                                      
Derivatives and hedging gains (losses) (1). $    868 $(5,826) $(2,851)
Embedded derivatives.......................  (1,049)    6,267      506
                                            -------- -------- --------
 Total net derivative gains (losses)....... $  (181) $    441 $(2,345)
                                            ======== ======== ========

--------                                                                        

(1)Includes foreign currency transaction gains (losses) on hedged items in cash 
flow and non-qualifying hedging relationships, which are not presented    
elsewhere in this note.                                                   

The following table presents earned income on derivatives:                  

                                                                [Download Table]

                                                     Years Ended December 31,
                                                     ------------------------
                                                     2014    2013     2012   
                                                     ----   ------   ------  
                                                       (In millions)         
                                                                             
Qualifying hedges:                                                           
 Net investment income.............................. $  4   $    2   $    2  
 Interest credited to policyholder account balances.  (1)        2       18  
Non-qualifying hedges:                                                       
 Net derivative gains (losses)......................  273    (157)      172  
 Policyholder benefits and claims...................   32    (292)    (120)  
                                                     ----   ------   ------  
   Total............................................ $308   $(445)   $   72  
                                                     ====   ======   ======  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

Non-Qualifying Derivatives and Derivatives for Purposes Other Than Hedging      

The following table presents the amount and location of gains (losses)  
recognized in income for derivatives that were not designated or qualifying 
as hedging instruments:                                                     

                                                                [Download Table]

                                                               Net     Policyholder
                                             Net Derivative Investment Benefits and
                                             Gains (Losses) Income (1)  Claims (2) 
                                             -------------- ---------- ------------
                                                         (In millions)             
                                                                                   
Year Ended December 31, 2014                                                       
 Interest rate derivatives..................       $  1,174       $ --       $   43
 Foreign currency exchange rate derivatives.              4         --           --
 Credit derivatives -- purchased............           (22)         --           --
 Credit derivatives -- written..............             18         --           --
 Equity derivatives.........................          (591)        (8)        (279)
                                             -------------- ---------- ------------
   Total....................................       $    583       $(8)       $(236)
                                             ============== ========== ============
Year Ended December 31, 2013                                                       
 Interest rate derivatives..................       $(1,534)       $ --       $ (27)
 Foreign currency exchange rate derivatives.          (542)         --           --
 Credit derivatives -- purchased............             --         --           --
 Credit derivatives -- written..............             27         --           --
 Equity derivatives.........................        (3,625)        (7)        (726)
                                             -------------- ---------- ------------
   Total....................................       $(5,674)       $(7)       $(753)
                                             ============== ========== ============
Year Ended December 31, 2012                                                       
 Interest rate derivatives..................       $  (208)       $ --       $   --
 Foreign currency exchange rate derivatives.          (290)         --           --
 Credit derivatives -- purchased............           (12)         --           --
 Credit derivatives -- written..............             42         --           --
 Equity derivatives.........................        (2,530)        (4)        (419)
                                             -------------- ---------- ------------
   Total....................................       $(2,998)       $(4)       $(419)
                                             ============== ========== ============

--------                                                                        

(1)Changes in estimated fair value related to economic hedges of equity method  
investments in joint ventures.                                            

(2)Changes in estimated fair value related to economic hedges of variable       
annuity guarantees included in future policy benefits.                    

Fair Value Hedges                                                               

The Company designates and accounts for the following as fair value hedges  
when they have met the requirements of fair value hedging: (i) interest rate    
swaps to convert fixed rate assets and liabilities to floating rate assets and  
liabilities; and (ii) foreign currency swaps to hedge the foreign currency fair 
value exposure of foreign currency denominated liabilities.                     

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MetLife Insurance Company USA 
(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, 2014                                                                           
Interest rate swaps:       Fixed maturity securities....    $          1  $         (1)  $           --
                           Policyholder liabilities (1).              32           (31)               1
Foreign currency swaps:    Foreign-denominated PABs (2).              --             --              --
                                                            ------------  -------------  --------------
  Total...............................................      $         33  $        (32)  $            1
                                                            ============  =============  ==============
Year Ended December 31, 2013                                                                           
Interest rate swaps:       Fixed maturity securities....    $          7  $         (9)  $          (2)
                           Policyholder liabilities (1).            (30)             28             (2)
Foreign currency swaps:    Foreign-denominated PABs (2).               2            (2)              --
                                                            ------------  -------------  --------------
  Total...............................................      $       (21)  $          17  $          (4)
                                                            ============  =============  ==============
Year Ended December 31, 2012                                                                           
Interest rate swaps:       Fixed maturity securities....    $        (3)  $           1  $          (2)
                           Policyholder liabilities (1).            (10)              8             (2)
Foreign currency swaps:    Foreign-denominated PABs (2).            (29)             20             (9)
                                                            ------------  -------------  --------------
  Total...............................................      $       (42)  $          29  $         (13)
                                                            ============  =============  ==============

--------                                                                        

(1)Fixed rate liabilities reported in PABs or future policy benefits.           

(2)Fixed rate or floating rate liabilities.                                     

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

Cash Flow Hedges                                                                

The Company designates and accounts for the following as cash flow hedges   
when they have met the requirements of cash flow hedging: (i) interest rate     
swaps to convert floating rate assets and liabilities to fixed rate assets and  
liabilities; (ii) foreign currency swaps to hedge the foreign currency cash     
flow exposure of foreign currency denominated assets and liabilities;           
(iii) interest rate forwards and credit forwards to lock in the price to be     
paid for forward purchases of investments; and (iv) interest rate swaps and     
interest rate forwards to hedge the forecasted purchases of fixed-rate          
investments.                                                                    

In certain instances, the Company discontinued cash flow hedge accounting   
because the forecasted transactions were no longer probable of occurring.       
Because certain of the forecasted transactions also were not probable of        
occurring within two months of the anticipated date, the Company reclassified   
certain amounts from AOCI into net derivative gains (losses). These amounts     
were not significant for both years ended December 31, 2014 and 2013 and $0 for 
the year ended December 31, 2012.                                               

At December 31, 2014 and 2013, the maximum length of time over which the    
Company was hedging its exposure to variability in future cash flows for        
forecasted transactions did not exceed five years and six years, respectively.  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

At December 31, 2014 and 2013, the balance in AOCI associated with cash flow
hedges was $282 million and $38 million, respectively.                          

The following table presents the effects of derivatives in cash flow hedging
relationships on the consolidated statements of operations and the consolidated 
statements of stockholder's 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, 2014                                                                        
Interest rate swaps......   $            131    $         1    $          1  $                    --
Interest rate forwards...                 55              1               1                       --
Foreign currency swaps...                 56            (6)              --                       --
Credit forwards..........                 --             --              --                       --
                            ----------------    -----------    ------------  -----------------------
  Total..................   $            242    $       (4)    $          2  $                    --
                            ================    ===========    ============  =======================
Year Ended December 31, 2013                                                                        
Interest rate swaps......   $          (120)    $        --    $          1  $                    --
Interest rate forwards...               (57)              9               1                       --
Foreign currency swaps...               (17)             --              --                        1
Credit forwards..........                (1)             --              --                       --
                            ----------------    -----------    ------------  -----------------------
  Total..................   $          (195)    $         9    $          2  $                     1
                            ================    ===========    ============  =======================
Year Ended December 31, 2012                                                                        
Interest rate swaps......   $             21    $        --    $         --  $                     1
Interest rate forwards...                  1              1               1                       --
Foreign currency swaps...               (16)              1              --                      (1)
Credit forwards..........                 --             --              --                       --
                            ----------------    -----------    ------------  -----------------------
  Total..................   $              6    $         2    $          1  $                    --
                            ================    ===========    ============  =======================

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

At December 31, 2014, $13 million of deferred net gains (losses) on         
derivatives in AOCI was expected to be reclassified to earnings within the next 
12 months.                                                                      

Credit Derivatives                                                              

In connection with synthetically created credit investment transactions, the
Company writes credit default swaps for which it receives a premium to insure   
credit risk. Such credit derivatives are included within the non-qualifying     
derivatives and derivatives for purposes other than hedging table. If a credit  
event occurs, as defined by the contract, the contract may be cash settled or   
it may be settled gross by the Company paying the counterparty the specified    
swap notional amount in exchange for the delivery of par quantities of the      
referenced credit obligation. The Company's maximum amount at risk, assuming    
the value of all referenced credit obligations is zero, was $1.9 billion and    
$2.3 billion at December 31, 2014 and 2013, respectively. The Company can       
terminate these contracts at any time through cash settlement with the          
counterparty at an amount equal to the then current fair value of the credit    
default swaps. At December 31, 2014 and 2013, the Company would have received   
$28 million and $38 million, respectively, to terminate all of these contracts. 

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MetLife Insurance Company USA 
(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,                                   
                              ---------------------------------------------------------------------------------
                                                2014                                     2013                  
                              ---------------------------------------- ----------------------------------------
                              Estimated      Maximum                   Estimated      Maximum                  
                              Fair Value Amount of Future   Weighted   Fair Value Amount of Future   Weighted  
Rating Agency Designation of  of Credit   Payments under    Average    of Credit   Payments under    Average   
Referenced                     Default    Credit Default    Years to    Default    Credit Default    Years to  
Credit Obligations (1)          Swaps       Swaps (2)     Maturity (3)   Swaps       Swaps (2)     Maturity (3)
----------------------------  ---------- ---------------- ------------ ---------- ---------------- ------------
                                     (In millions)                            (In millions)                    
                                                                                                               
Aaa/Aa/A.....................                                                                                  
Single name credit default                                                                                     
  swaps (corporate).......... $       2   $         155            2.1 $       2   $          115           2.7
Credit default swaps                                                                                           
  referencing indices........         1             134            1.3         6              650           1.1
                              ---------   -------------                ---------   --------------              
 Subtotal....................         3             289            1.7         8              765           1.3
                              ---------   -------------                ---------   --------------              
Baa                                                                                                            
Single name credit default                                                                                     
  swaps (corporate)..........         5             454            2.3         8              446           3.0
Credit default swaps                                                                                           
  referencing indices........        18           1,145            5.0        19            1,016           4.9
                              ---------   -------------                ---------   --------------              
 Subtotal....................        23           1,599            4.2        27            1,462           4.3
                              ---------   -------------                ---------   --------------              
B                                                                                                              
Single name credit default                                                                                     
  swaps (corporate)..........        --              --             --        --               --            --
Credit default swaps                                                                                           
  referencing indices........         2              36            5.0         3               36           5.0
                              ---------   -------------                ---------   --------------              
 Subtotal....................         2              36            5.0         3               36           5.0
                              ---------   -------------                ---------   --------------              
   Total..................... $      28   $       1,924            3.8 $      38   $        2,263           3.3
                              =========   =============                =========   ==============              

--------                                                                        

(1)The rating agency designations are based on availability and the midpoint of 
 the applicable ratings among Moody's Investors Service ("Moody's"), S&P and
Fitch Ratings. If no rating is available from a rating agency, then an    
internally developed rating is used.                                      

(2)Assumes the value of the referenced credit obligations is zero.              

(3)The weighted average years to maturity of the credit default swaps is        
calculated based on weighted average gross notional amounts.              

Credit Risk on Freestanding Derivatives                                         

The Company may be exposed to credit-related losses in the event of         
nonperformance by counterparties to derivatives. Generally, the current credit  
exposure of the Company's derivatives is limited to the net positive            

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

estimated fair value of derivatives at the reporting date after taking into     
consideration the existence of master netting or similar agreements and any     
collateral received pursuant to such agreements.                                

The Company manages its credit risk related to derivatives by entering into 
transactions with creditworthy counterparties and establishing and monitoring   
exposure limits. The Company's OTC-bilateral derivative transactions are        
generally governed by ISDA Master Agreements which provide for legally          
enforceable set-off and close-out netting of exposures to specific              
counterparties in the event of early termination of a transaction, which        
includes, but is not limited to, events of default and bankruptcy. In the event 
of an early termination, the Company is permitted to set off receivables from   
the counterparty against payables to the same counterparty arising out of all   
included transactions. Substantially all of the Company's ISDA Master           
Agreements also include Credit Support Annex provisions which require both the  
pledging and accepting of collateral in connection with its OTC-bilateral       
derivatives.                                                                    

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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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

The estimated fair values of the Company's net derivative assets and net    
derivative liabilities after the application of master netting agreements and   
collateral were as follows at:                                                  

                                                        [Enlarge/Download Table]

                                                                   December 31, 2014    December 31, 2013  
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).............................................. $  3,554  $  1,767   $  3,905  $  3,476  
  OTC-cleared (1)................................................       75        73         50        10  
  Exchange-traded................................................       35        --         11        53  
                                                                  --------  --------   --------  --------  
    Total gross estimated fair value of derivatives (1)..........    3,664     1,840      3,966     3,539  
 Amounts offset on the consolidated balance sheets...............       --        --         --        --  
                                                                  --------  --------   --------  --------  
 Estimated fair value of derivatives presented on the                                                      
   consolidated balance sheets (1)...............................    3,664     1,840      3,966     3,539  
 Gross amounts not offset on the consolidated balance sheets:                                              
 Gross estimated fair value of derivatives: (2)                                                            
  OTC-bilateral..................................................  (1,592)   (1,592)    (2,544)   (2,544)  
  OTC-cleared....................................................     (54)      (54)        (8)       (8)  
  Exchange-traded................................................       --        --        (5)       (5)  
 Cash collateral: (3), (4)                                                                                 
  OTC-bilateral..................................................    (753)        --      (396)        --  
  OTC-cleared....................................................     (21)      (18)       (40)       (2)  
  Exchange-traded................................................       --        --         --      (44)  
 Securities collateral: (5)                                                                                
  OTC-bilateral..................................................  (1,152)     (175)      (934)     (833)  
  OTC-cleared....................................................       --        --         --        --  
  Exchange-traded................................................       --        --         --       (3)  
                                                                  --------  --------   --------  --------  
 Net amount after application of master netting agreements and                                             
   collateral.................................................... $     92  $      1   $     39  $    100  
                                                                  ========  ========   ========  ========  

--------                                                                        

(1)At December 31, 2014 and 2013, derivative assets include income or expense   
accruals reported in accrued investment income or in other liabilities of 
$88 million and $108 million, respectively, and derivative liabilities    
 include income or expense accruals reported in accrued investment income or
in other liabilities of $22 million and $16 million, respectively.        

(2)Estimated fair value of derivatives is limited to the amount that is subject 
to set-off and includes income or expense accruals.                       

(3)Cash collateral received by the Company for OTC-bilateral and OTC-cleared    
  derivatives is included in cash and cash equivalents, short-term investments
  or in fixed maturity securities, and the obligation to return it is included
  in payables for collateral under securities loaned and other transactions on
the balance sheet. In certain instances, cash collateral pledged to the   
Company as initial margin for OTC-bilateral derivatives is                

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

held in separate custodial accounts and is not recorded on the Company's  
balance sheet because the account title is in the name of the counterparty
(but segregated for the benefit of the Company). The amount of this       
off-balance sheet collateral was $121 million and $0 at December 31, 2014 
and 2013, respectively.                                                   

(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, 2014 and 2013, the Company received   
excess cash collateral of $33 million (all of which is off-balance sheet  
cash collateral held in separate custodial accounts) and $54 million,     
respectively, and provided excess cash collateral of $30 million and $204 
million, respectively, which is not included in the table above due to the
foregoing limitation.                                                     

(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, 2014 none of the collateral had been sold or
re-pledged. Securities collateral pledged by the Company is reported in   
fixed maturity securities on the balance sheet. Subject to certain        
constraints, the counterparties are permitted by contract to sell or      
  re-pledge this collateral. The amount of securities collateral offset in the
 table above is limited to the net estimated fair value of derivatives after
 application of netting agreements and cash collateral. At December 31, 2014
and 2013, the Company received excess securities collateral with an       
  estimated fair value of $122 million and $131 million, respectively, for its
 OTC-bilateral derivatives, which are not included in the table above due to
the foregoing limitation. At December 31, 2014 and 2013, the Company      
provided excess securities collateral with an estimated fair value of $17 
  million and $1 million, respectively, for its OTC-bilateral derivatives, $37
million and $30 million, respectively, for its OTC-cleared derivatives and
$165 million and $81 million, respectively, for its exchange-traded       
 derivatives, which are not included in the table above due to the foregoing
limitation.                                                               

The Company's collateral arrangements for its OTC-bilateral derivatives     
generally require the counterparty in a net liability position, after           
considering the effect of netting agreements, to pledge collateral when the     
fair value of that counterparty's derivatives reaches a pre-determined          
threshold. Certain of these arrangements also include financial                 
strength-contingent provisions that provide for a reduction of these thresholds 
(on a sliding scale that converges toward zero) in the event of downgrades in   
the financial strength ratings of the Company and/or the credit ratings of the  
counterparty. In addition, certain of the Company's netting agreements for      
derivatives contain provisions that require both the Company and the            
counterparty to maintain a specific investment grade financial strength or      
credit rating from each of Moody's and S&P. If a party's financial strength or  
credit ratings were to fall below that specific investment grade financial      
strength or credit rating, that party would be in violation of these            
provisions, and the other party to the derivatives could terminate the          
transactions and demand immediate settlement and payment based on such party's  
reasonable valuation of the derivatives.                                        

The following table presents the estimated fair value of the Company's      
OTC-bilateral derivatives that are in a net liability position after            
considering the effect of netting agreements, together with the estimated fair  
value and balance sheet location of the collateral pledged. The table also      
presents the incremental collateral that the Company would be required to       
provide if there was a one notch downgrade in the Company's financial strength  
rating at the reporting date or if the Company's financial strength rating      
sustained a downgrade to a level that                                           

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

triggered full overnight collateralization or termination of the derivative     
position at the reporting date. OTC-bilateral derivatives that are not subject  
to collateral agreements are excluded from this table.                          

                                                        [Enlarge/Download Table]

                                               Estimated                                                        
                                             Fair Value of                                                      
                                          Collateral Provided Fair Value of Incremental Collateral Provided Upon
                                          ------------------- --------------------------------------------------
                                                                                    Downgrade in the Company's  
                                                                                    Financial Strength Rating   
                                                                  One Notch              to a Level that        
                         Estimated                               Downgrade in        Triggers Full Overnight    
                       Fair Value of                            the Company's          Collateralization or     
                     Derivatives in Net     Fixed Maturity    Financial Strength          Termination of        
                   Liability Position (1)     Securities            Rating           the Derivative Position    
                   ---------------------- ------------------- ------------------    --------------------------  
                                                        (In millions)                                           
                                                                                                                
December 31, 2014          $          175      $          192      $          --            $               --  
December 31, 2013          $          932      $          834      $          21            $               24  

--------                                                                        

(1)After taking into consideration the existence of netting agreements.         

Embedded Derivatives                                                            

The Company issues certain products or purchases certain investments that   
contain embedded derivatives that are required to be separated from their host  
contracts and accounted for as freestanding derivatives. These host contracts   
principally include: variable annuities with guaranteed minimum benefits,       
including GMWBs, GMABs and certain GMIBs; affiliated ceded reinsurance of       
guaranteed minimum benefits related to GMWBs, GMABs and certain GMIBs;          
affiliated assumed reinsurance of guaranteed minimum benefits related to GMWBs  
and certain GMIBs; funds withheld on ceded reinsurance; fixed annuities with    
equity indexed returns; and certain debt and equity securities.                 

The following table presents the estimated fair value and balance sheet     
location of the Company's embedded derivatives that have been separated from    
their host contracts at:                                                        

                                                                [Download Table]

                                                                    December 31,   
                                                                  -----------------
                                        Balance Sheet Location     2014     2013   
                                       -------------------------- ------- ---------
                                                                    (In millions)  
                                                                                   
Net embedded derivatives within asset                                              
  host contracts:                                                                  
  Ceded guaranteed minimum benefits... Premiums, reinsurance and                   
                                       other receivables......... $   217 $     123
  Funds withheld on assumed                                                        
   reinsurance........................ Other invested assets.....      53        24
  Options embedded in debt or equity                                               
   securities......................... Investments...............    (48)      (30)
                                                                  ------- ---------
   Net embedded derivatives within asset host contracts.......    $   222 $     117
                                                                  ======= =========
Net embedded derivatives within                                                    
  liability host contracts:                                                        
  Direct guaranteed minimum benefits.. PABs...................... $ (609) $ (1,369)
  Assumed guaranteed minimum benefits. PABs......................     827     1,188
  Funds withheld on ceded reinsurance. Other liabilities.........     382        34
  Other............................... PABs......................      17         6
                                                                  ------- ---------
   Net embedded derivatives within liability host contracts...    $   617 $   (141)
                                                                  ======= =========

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

9. Derivatives (continued)                                                      

The following table presents changes in estimated fair value related to     
embedded derivatives:                                                           

                                                                [Download Table]

                                           Years Ended December 31,     
                                       ---------------------------------
                                          2014        2013       2012   
                                       ----------- ---------- ----------
                                                 (In millions)          
                                                                        
Net derivative gains (losses) (1) (2). $   (1,049) $    6,267 $      506
Policyholder benefits and claims...... $        87 $    (139) $       71

--------                                                                        

(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 $73 million, ($1.0)    
billion and ($1.7) billion for the years ended December 31, 2014, 2013 and
2012, respectively.                                                       

(2)See Note 7 for discussion of affiliated net derivative gains (losses)        
included in the table above.                                              

Related Party Freestanding Derivative Transactions                              

In November 2014, as part of the settlement of related party reinsurance    
transactions, the Company transferred derivatives to affiliates. The estimated  
fair value of freestanding derivative assets and liabilities transferred was    
$1.8 billion and $1.2 billion, respectively. See Note 7 for additional          
information regarding related party reinsurance transactions in connection with 
the Mergers.                                                                    

10. Fair Value                                                                  

When developing estimated fair values, the Company considers three broad    
valuation techniques: (i) the market approach, (ii) the income approach, and    
(iii) the cost approach. The Company determines the most appropriate valuation  
technique to use, given what is being measured and the availability of          
sufficient inputs, giving priority to observable inputs. The Company            
categorizes its assets and liabilities measured at estimated fair value into a  
three-level hierarchy, based on the significant input with the lowest level in  
its valuation. The input levels are as follows:                                 

Level 1  Unadjusted quoted prices in active   
   markets for identical assets or
    liabilities. The Company defines
   active markets based on average
         trading volume for equity securities.
     The size of the bid/ask spread is
  used as an indicator of market
activity for fixed maturity 
securities.                 

Level 2  Quoted prices in markets that are not
        active or inputs that are observable
        either directly or indirectly. These
        inputs can include quoted prices for
       similar assets or liabilities other
         than quoted prices in Level 1, quoted
  prices in markets that are not
       active, or other significant inputs
         that are observable or can be derived
       principally from or corroborated by
observable market data for  
      substantially the full term of the
assets or liabilities.      

Level 3  Unobservable inputs that are         
    supported by little or no market
       activity and are significant to the
         determination of estimated fair value
 of the assets or liabilities.
   Unobservable inputs reflect the
      reporting entity's own assumptions
     about the assumptions that market
         participants would use in pricing the
asset or liability.         

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

Financial markets are susceptible to severe events evidenced by rapid       
depreciation in asset values accompanied by a reduction in asset liquidity. The 
Company's ability to sell securities, or the price ultimately realized for      
these securities, depends upon the demand and liquidity in the market and       
increases the use of judgment in determining the estimated fair value of        
certain securities.                                                             

Considerable judgment is often required in interpreting market data to      
develop estimates of fair value, and the use of different assumptions or        
valuation methodologies may have a material effect on the estimated fair value  
amounts.                                                                        

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MetLife Insurance Company USA 
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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.     

                                                        [Enlarge/Download Table]

                                                                            December 31, 2014              
                                                              ---------------------------------------------
                                                                  Fair Value Hierarchy                     
                                                              -----------------------------                
                                                                                            Total Estimated
                                                               Level 1   Level 2   Level 3    Fair Value   
                                                              --------- ---------- -------- ---------------
                                                                              (In millions)                
                                                                                                           
Assets                                                                                                     
Fixed maturity securities:                                                                                 
  U.S. corporate............................................. $      -- $   15,447 $  1,355      $   16,802
  U.S. Treasury and agency...................................    10,226      5,600       --          15,826
  RMBS.......................................................        --      5,365      716           6,081
  Foreign corporate..........................................        --      4,704      710           5,414
  State and political subdivision............................        --      2,592       --           2,592
  CMBS.......................................................        --      1,531      148           1,679
  ABS........................................................        --      1,381      181           1,562
  Foreign government.........................................        --        741       --             741
                                                              --------- ---------- --------      ----------
   Total fixed maturity securities...........................    10,226     37,361    3,110          50,697
                                                              --------- ---------- --------      ----------
Equity securities:                                                                                         
  Common stock...............................................       105         99       29             233
  Non-redeemable preferred stock.............................        --        155       71             226
                                                              --------- ---------- --------      ----------
   Total equity securities...................................       105        254      100             459
                                                              --------- ---------- --------      ----------
Short-term investments (1)...................................       253        812       71           1,136
Mortgage loans held by CSEs -- FVO...........................        --        280       --             280
Other invested assets:                                                                                     
  FVO securities.............................................        --         --       --              --
  Derivative assets: (2)                                                                                   
   Interest rate.............................................         1      2,363       45           2,409
   Foreign currency exchange rate............................        --        118       --             118
   Credit....................................................        --         28        1              29
   Equity market.............................................        34        770      216           1,020
                                                              --------- ---------- --------      ----------
     Total derivative assets.................................        35      3,279      262           3,576
                                                              --------- ---------- --------      ----------
      Total other invested assets............................        35      3,279      262           3,576
                                                              --------- ---------- --------      ----------
Net embedded derivatives within asset host contracts (3).....        --         --      270             270
Separate account assets (4)..................................       249    108,454      158         108,861
                                                              --------- ---------- --------      ----------
      Total assets........................................... $  10,868 $  150,440 $  3,971      $  165,279
                                                              ========= ========== ========      ==========
Liabilities                                                                                                
Derivative liabilities: (2)                                                                                
  Interest rate.............................................. $      -- $      688 $     --      $      688
  Foreign currency exchange rate.............................        --         13       --              13
  Credit.....................................................        --          2       --               2
  Equity market..............................................        --        657      458           1,115
                                                              --------- ---------- --------      ----------
   Total derivative liabilities..............................        --      1,360      458           1,818
                                                              --------- ---------- --------      ----------
Net embedded derivatives within liability host contracts (3).        --         --      617             617
Long-term debt of CSEs -- FVO................................        --        139       --             139
                                                              --------- ---------- --------      ----------
      Total liabilities...................................... $      -- $    1,499 $  1,075      $    2,574
                                                              ========= ========== ========      ==========

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                                                           December 31, 2013              
                                                              --------------------------------------------
                                                                  Fair Value Hierarchy                    
                                                              ----------------------------                
                                                                                           Total Estimated
                                                              Level 1   Level 2   Level 3    Fair Value   
                                                              -------- ---------- -------- ---------------
                                                                          (In millions)                   
                                                                                                          
Assets                                                                                                    
Fixed maturity securities:                                                                                
  U.S. corporate............................................. $     -- $   16,568 $  1,270     $    17,838
  U.S. Treasury and agency...................................    4,872      3,979       --           8,851
  RMBS.......................................................       --      4,613      450           5,063
  Foreign corporate..........................................       --      8,500      779           9,279
  State and political subdivision............................       --      2,363       --           2,363
  CMBS.......................................................       --      1,904      129           2,033
  ABS........................................................       --      1,809      426           2,235
  Foreign government.........................................       --      1,162       --           1,162
                                                              -------- ---------- --------     -----------
    Total fixed maturity securities..........................    4,872     40,898    3,054          48,824
                                                              -------- ---------- --------     -----------
Equity securities:                                                                                        
  Common stock...............................................       86        110       31             227
  Non-redeemable preferred stock.............................       --        136      100             236
                                                              -------- ---------- --------     -----------
    Total equity securities..................................       86        246      131             463
                                                              -------- ---------- --------     -----------
Short-term investments (1)...................................    3,036      1,833       --           4,869
Mortgage loans held by CSEs -- FVO...........................       --      1,598       --           1,598
Other invested assets:                                                                                    
  FVO securities.............................................       --          9       --               9
  Derivative assets: (2)                                                                                  
    Interest rate............................................       10      2,202       23           2,235
    Foreign currency exchange rate...........................        1         80       --              81
    Credit...................................................       --         32        6              38
    Equity market............................................        1      1,223      280           1,504
                                                              -------- ---------- --------     -----------
     Total derivative assets.................................       12      3,537      309           3,858
                                                              -------- ---------- --------     -----------
       Total other invested assets...........................       12      3,546      309           3,867
                                                              -------- ---------- --------     -----------
Net embedded derivatives within asset host contracts (3).....       --         --      147             147
Separate account assets (4)..................................      259    109,402      153         109,814
                                                              -------- ---------- --------     -----------
       Total assets.......................................... $  8,265 $  157,523 $  3,794     $   169,582
                                                              ======== ========== ========     ===========
Liabilities                                                                                               
Derivative liabilities: (2)                                                                               
  Interest rate.............................................. $      9 $    1,398 $     12     $     1,419
  Foreign currency exchange rate.............................        1        269       --             270
  Credit.....................................................       --          1       --               1
  Equity market..............................................       43      1,201      589           1,833
                                                              -------- ---------- --------     -----------
    Total derivative liabilities.............................       53      2,869      601           3,523
                                                              -------- ---------- --------     -----------
Net embedded derivatives within liability host contracts (3).       --         --    (141)           (141)
Long-term debt of CSEs -- FVO................................       --      1,461       --           1,461
                                                              -------- ---------- --------     -----------
       Total liabilities..................................... $     53 $    4,330 $    460     $     4,843
                                                              ======== ========== ========     ===========

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

--------                                                                        

(1)Short-term investments as presented in the tables above differ from the      
amounts presented on the consolidated balance sheets because certain      
short-term investments are not measured at estimated fair value on a      
recurring basis.                                                          

(2)Derivative assets are presented within other invested assets 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.                                                  

(3)Net embedded derivatives within asset host contracts are presented primarily 
within premiums, reinsurance and other receivables on the consolidated    
  balance sheets. Net embedded derivatives within liability host contracts are
presented primarily within PABs and other liabilities on the consolidated 
balance sheets. At December 31, 2014 and 2013, equity securities also     
included embedded derivatives of ($48) million and ($30) million,         
respectively.                                                             

(4)Investment performance related to separate account assets is fully offset by 
corresponding amounts credited to contractholders whose liability is      
 reflected within separate account liabilities. Separate account liabilities
are set equal to the estimated fair value of separate account assets.     

The following describes the valuation methodologies used to measure assets  
and liabilities at fair value. The description includes the valuation           
techniques and key inputs for each category of assets or liabilities that are   
classified within Level 2 and Level 3 of the fair value hierarchy.              

Investments                                                                   

Valuation Controls and Procedures                                           

 On behalf of the Company and MetLife, Inc.'s Chief Investment Officer and
Chief Financial Officer, a pricing and valuation committee that is          
independent of the trading and investing functions and comprised of senior  
management, provides oversight of control systems and valuation policies for
securities, mortgage loans and derivatives. On a quarterly basis, this      
committee reviews and approves new transaction types and markets, ensures   
that observable market prices and market-based parameters are used for      
valuation, wherever possible, and determines that judgmental valuation      
adjustments, when applied, are based upon established policies and are      
 applied consistently over time. This committee also provides oversight of the
selection of independent third party pricing providers and the controls and 
procedures to evaluate third party pricing. Periodically, the Chief         
 Accounting Officer reports to MetLife Insurance Company USA's Audit Committee
regarding compliance with fair value accounting standards.                  

The Company reviews its valuation methodologies on an ongoing basis and 
revises those methodologies when necessary based on changing market         
conditions. Assurance is gained on the overall reasonableness and consistent
 application of input assumptions, valuation methodologies and compliance with
fair value accounting standards through controls designed to ensure         
valuations represent an exit price. Several controls are utilized, including
certain monthly controls, which include, but are not limited to, analysis of
portfolio returns to corresponding benchmark returns, comparing a sample of 
executed prices of securities sold to the                                   

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Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

fair value estimates, comparing fair value estimates to management's        
knowledge of the current market, reviewing the bid/ask spreads to assess    
activity, comparing prices from multiple independent pricing services and   
ongoing due diligence to confirm that independent pricing services use      
market-based parameters. The process includes a determination of the        
observability of inputs used in estimated fair values received from         
 independent pricing services or brokers by assessing whether these inputs can
be corroborated by observable market data. The Company ensures that prices  
received from independent brokers, also referred to herein as "consensus    
pricing," represent a reasonable estimate of fair value by considering such 
pricing relative to the Company's knowledge of the current market dynamics  
and current pricing for similar financial instruments. While independent    
non-binding broker quotations are utilized, they are not used for a         
significant portion of the portfolio. For example, fixed maturity securities
priced using independent non-binding broker quotations represent 1% of the  
total estimated fair value of fixed maturity securities and 16% of the total
estimated fair value of Level 3 fixed maturity securities.                  

  The Company also applies a formal process to challenge any prices received
from independent pricing services that are not considered representative of 
estimated fair value. If prices received from independent pricing services  
are not considered reflective of market activity or representative of       
 estimated fair value, independent non-binding broker quotations are obtained,
or an internally developed valuation is prepared. Internally developed      
valuations of current estimated fair value, which reflect internal estimates
of liquidity and nonperformance risks, compared with pricing received from  
 the independent pricing services, did not produce material differences in the
estimated fair values for the majority of the portfolio; accordingly,       
overrides were not material. This is, in part, because internal estimates of
liquidity and nonperformance risks are generally based on available market  
evidence and estimates used by other market participants. In the absence of 
such market-based evidence, management's best estimate is used.             

Securities, Short-term Investments and Long-term Debt of CSEs -- FVO        

  When available, the estimated fair value of these financial instruments is
based on quoted prices in active markets that are readily and regularly     
obtainable. Generally, these are the most liquid of the Company's securities
holdings and valuation of these securities does not involve management's    
judgment.                                                                   

 When quoted prices in active markets are not available, the determination
of estimated fair value is based on market standard valuation methodologies,
giving priority to observable inputs. The significant inputs to the market  
standard valuation methodologies for certain types of securities with       
 reasonable levels of price transparency are inputs that are observable in the
market or can be derived principally from, or corroborated by, observable   
market data. When observable inputs are not available, the market standard  
valuation methodologies rely on inputs that are significant to the estimated
fair value that are not observable in the market or cannot be derived       
principally from, or corroborated by, observable market data. These         
unobservable inputs can be based in large part on management's judgment or  
estimation and cannot be supported by reference to market activity. Even    
 though these inputs are unobservable, management believes they are consistent
with what other market participants would use when pricing such securities  
and are considered appropriate given the circumstances.                     

  The estimated fair value of long-term debt of CSEs -- FVO is determined on
a basis consistent with the methodologies described herein for securities.  

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Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

The valuation of most instruments listed below are determined using     
independent pricing sources, matrix pricing, discounted cash flow           
methodologies or other similar techniques that use either observable market 
inputs or unobservable inputs.                                              

                                                        [Enlarge/Download Table]

Instrument                            Level 2                                                         Level 3                       
                                  Observable Inputs                                              Unobservable Inputs                
------------------------------------------------------------------------------------------------------------------------------------
Fixed Maturity Securities                                                                                                           
------------------------------------------------------------------------------------------------------------------------------------
 U.S. corporate and foreign corporate securities                                                                                    
------------------------------------------------------------------------------------------------------------------------------------
                                                                                                                                    
            Valuation Techniques: Principally the market and income        Valuation Techniques: Principally the market             
             approaches.                                                    approach.                                               
            Key Inputs:                                                    Key Inputs:                                              
            . quoted prices in markets that are not active                 . illiquidity premium                                    
            . benchmark yields                                             . delta spread adjustments to reflect specific           
            . spreads off benchmark yields                                   credit-related issues                                  
            . new issuances                                                . credit spreads                                         
            . issuer rating                                                . quoted prices in markets that are not active for       
            . duration                                                       identical or similar securities that are less liquid   
            . trades of identical or comparable securities                   and based on lower levels of trading activity than     
            . Privately-placed securities are valued using the               securities classified in Level 2                       
              additional key inputs:                                       . independent non-binding broker quotations              
             . market yield curve                                                                                                   
             . call provisions                                                                                                      
             . observable prices and spreads for similar publicly                                                                   
               traded or privately traded securities that incorporate                                                               
               the credit quality and industry sector of the issuer                                                                 
             . delta spread adjustments to reflect specific credit-                                                                 
               related issues                                                                                                       

------------------------------------------------------------------------------------------------------------------------------------
 Foreign government, U.S. Treasury and agency and state and political subdivision securities                                        
------------------------------------------------------------------------------------------------------------------------------------
            Valuation Techniques: Principally the market approach.         Valuation Techniques: Principally the market approach.   
            Key Inputs:                                                    Key Inputs:                                              
            . quoted prices in markets that are not active                 . independent non-binding broker quotations              
            . benchmark U.S. Treasury yield or other yields                . quoted prices in markets that are not active for       
            . the spread off the U.S. Treasury yield curve for the           identical or similar securities that are less          
              identical security                                             liquid land based on ower levels of trading activity   
            . issuer ratings and issuer spreads                              cthan securities lassified in Level 2                  
            . broker-dealer quotes                                         . credit spreads                                         
            . comparable securities that are actively traded                                                                        
            . reported trades of similar securities, including those that                                                           
              are actively traded, and those within the same sub-                                                                   
              sector or with a similar maturity or credit rating                                                                    
------------------------------------------------------------------------------------------------------------------------------------
 Structured securities comprised of RMBS, CMBS and ABS                                                                              
------------------------------------------------------------------------------------------------------------------------------------
            Valuation Techniques: Principally the market and income        Valuation Techniques: Principally the market and income  
             approaches.                                                    approaches.                                             
            Key Inputs:                                                    Key Inputs:                                              
            . quoted prices in markets that are not active                 . credit spreads                                         
            . spreads for actively traded securities                       . quoted prices in markets that are not active for       
            . spreads off benchmark yields                                   identical or similar securities that are less liquid   
            . expected prepayment speeds and volumes                         and based on lower levels of trading activity than     
            . current and forecasted loss severity                           securities classified in Level 2                       
            . ratings                                                      . independent non-binding broker quotations              
            . weighted average coupon and weighted average maturity                                                                 
            . average delinquency rates                                                                                             
            . geographic region                                                                                                     
            . debt-service coverage ratios                                                                                          
            . issuance-specific information, including, but not                                                                     
              limited to:                                                                                                           
             . collateral type                                                                                                      
             . payment terms of the underlying assets                                                                               
             . payment priority within the tranche                                                                                  
             . structure of the security                                                                                            
             . deal performance                                                                                                     
             . vintage of loans                                                                                                     

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Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

Instrument                           Level 2                                                        Level 3                         
------------------------------------------------------------------------------------------------------------------------------------
Equity Securities                                                                                                                   
------------------------------------------------------------------------------------------------------------------------------------
 Common and non-redeemable preferred stock                                                                                          
------------------------------------------------------------------------------------------------------------------------------------
                                                                                                                                    
            Valuation Techniques: Principally the market                Valuation Techniques: Principally the market and income     
             approach.                                                   approaches.                                                
            Key Input:                                                  Key Inputs:                                                 
            . quoted prices in markets that are not considered active   . credit ratings                                            
                                                                        . issuance structures                                       
                                                                        . quoted prices in markets that are not active for          
                                                                          identical or similar securities that are less liquid and  
                                                                          based on lower levels of trading activity than            
                                                                          securities classified in Level 2                          
                                                                        . independent non-binding broker quotations                 
------------------------------------------------------------------------------------------------------------------------------------
FVO securities and Short-term investments                                                                                           
------------------------------------------------------------------------------------------------------------------------------------
            . FVO securities and short-term investments are of a        . Short-term investments are of a similar nature and class  
              similar nature and class to the fixed maturity and          to the fixed maturity and equity securities described     
              equity securities described above; accordingly, the         above; accordingly, the valuation techniques and          
              valuation techniques and observable inputs used in          unobservable inputs used in their valuation are also      
              their valuation are also similar to those described         similar to those described above.                         
              above.                                                                                                                
------------------------------------------------------------------------------------------------------------------------------------
Mortgage loans held by CSEs -- FVO                                                                                                  
------------------------------------------------------------------------------------------------------------------------------------
            Valuation Techniques: Principally the market approach.      N/A                                                         
            Key Input:                                                                                                              
            . quoted securitization market price of the obligations of                                                              
              the CSEs determined principally by independent                                                                        
              pricing services using observable inputs                                                                              
------------------------------------------------------------------------------------------------------------------------------------
Separate Account Assets (1)                                                                                                         
------------------------------------------------------------------------------------------------------------------------------------
 Mutual funds without readily determinable fair values as prices are not published publicly                                         
------------------------------------------------------------------------------------------------------------------------------------
            Key Input:                                                                                                              
            . quoted prices or reported NAV provided by the fund                                                                    
              managers                                                  N/A                                                         
------------------------------------------------------------------------------------------------------------------------------------
 Other limited partnership interests                                                                                                
------------------------------------------------------------------------------------------------------------------------------------
            N/A                                                         Valuation Techniques: Valued giving consideration to the    
                                                                         underlying holdings of the partnerships and by applying a  
                                                                         premium or discount, if appropriate.                       
                                                                        Key Inputs:                                                 
                                                                        . liquidity                                                 
                                                                        . bid/ask spreads                                           
                                                                        . the 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, other limited partnership     
interests, short-term investments and cash and cash equivalents. Fixed    
 maturity securities, equity securities, derivatives, short-term investments
and cash and cash equivalents are similar in nature to the instruments    
  described under "-- Securities, Short-term Investments and Long-term Debt of
CSEs -- FVO" and "-- Derivatives -- Freestanding Derivatives Valuation    
Techniques and Key Inputs."                                               

Derivatives                                                                   

The estimated fair value of derivatives is determined through the use of    
quoted market prices for exchange-traded derivatives, or through the use of     
pricing models for OTC-bilateral and OTC-cleared derivatives. The determination 
of estimated fair value, when quoted market values are not available, is based  
on market standard                                                              

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Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

valuation methodologies and inputs that management believes are consistent with 
what other market participants would use when pricing such instruments.         
Derivative valuations can be affected by changes in interest rates, foreign     
currency exchange rates, financial indices, credit spreads, default risk,       
nonperformance risk, volatility, liquidity and changes in estimates and         
assumptions used in the pricing models. The valuation controls and procedures   
for derivatives are described in "-- Investments."                              

The significant inputs to the pricing models for most OTC-bilateral and     
OTC-cleared derivatives are inputs that are observable in the market or can be  
derived principally from, or corroborated by, observable market data. 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.                                                                    

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 Valuation Techniques and Key Inputs:               

Level 2                                                                     

 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                                                                     

   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.               

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

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 Currency                             
             Instrument                    Interest Rate           Exchange Rate               Credit          
---------------------------------------------------------------------------------------------------------------
                                                                                                               
Inputs common to Level 2 and Level 3   . swap yield curve      . swap yield curve      . swap yield curve      
 by instrument type                    . basis curves          . basis curves          . credit curves         
                                       . interest rate         . currency spot rates   . recovery rates        
                                          volatility (1)       . cross currency basis                          
                                                                  curves                                       
---------------------------------------------------------------------------------------------------------------
Level 3                                . swap yield curve (2)  N/A                     . swap yield curve (2)  
                                       . basis curves (2)                              . credit curves (2)     
                                                                                       . credit spreads        
                                                                                       . repurchase rates      
                                                                                       . independent non-      
                                                                                          binding broker       
                                                                                          quotations           
                                                                [Download Table]


             Instrument                       Equity market        
-------------------------------------------------------------------
                                                                   
Inputs common to Level 2 and Level 3   . swap yield curve          
 by instrument type                    . spot equity index         
                                          levels                   
                                       . dividend yield curves     
                                       . equity volatility         
-------------------------------------------------------------------
Level 3                                . dividend yield curves (2) 
                                       . equity volatility (2)     
                                       . correlation between       
                                          model inputs (1)         


--------                                                                        

(1)Option-based only.                                                           

(2)Extrapolation beyond the observable limits of the curve(s).                  

Embedded Derivatives                                                          

Embedded derivatives principally include certain direct, assumed and ceded
variable annuity guarantees and embedded derivatives related to funds withheld
on ceded reinsurance and within certain annuity contracts. 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 PABs on the  
consolidated balance sheets.                                                  

The Company's actuarial department calculates the fair value of these     
embedded derivatives, which are estimated as the present value of projected   
future benefits minus the present value of projected future fees using        
actuarial and capital market assumptions including expectations concerning    
policyholder behavior. The calculation is based on in-force business, and is  
performed using standard actuarial valuation software which projects future   
cash flows from the embedded derivative over multiple risk neutral stochastic 
scenarios using observable risk-free rates.                                   

Capital market assumptions, such as risk-free rates and implied           
volatilities, are based on market prices for publicly traded instruments to   
the extent that prices for such instruments are observable. Implied           
volatilities beyond the observable period are extrapolated based on observable
implied volatilities and historical volatilities. Actuarial assumptions,      
including mortality, lapse, withdrawal and utilization, are unobservable and  
are reviewed at least annually based on actuarial studies of historical       
experience.                                                                   

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

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 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 assumed, from an affiliated insurance company, the risk       
associated with certain GMIBs. These embedded derivatives are included in     
other policy-related balances on the consolidated balance sheets with changes 
in estimated fair value reported in net derivative gains (losses). The value  
of the embedded derivatives on these assumed risks is determined using a      
methodology consistent with that described previously for the guarantees      
directly written by the Company.                                              

  The Company ceded, to an affiliated reinsurance company, the risk associated
with certain of the GMIBs, GMABs and GMWBs described above that are also      
accounted for as embedded derivatives. In addition to ceding risks associated 
with guarantees that are accounted for as embedded derivatives, the Company   
also cedes, to the same affiliated reinsurance company, certain directly      
written GMIBs that are accounted for as insurance (i.e., not as embedded      
derivatives), but where the reinsurance agreement contains an embedded        
derivative. These embedded derivatives are included within premiums,          
reinsurance and other receivables 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 previously described in "--   
Investments -- Securities, Short-term Investments and Long-term Debt of CSEs."
The estimated fair value of these embedded derivatives is included, along with
their funds withheld hosts, in other liabilities 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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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

  The Company issues certain annuity contracts which allow the policyholder to
participate in returns from equity indices. These equity indexed features are 
embedded derivatives which are measured at estimated fair value separately    
from the host fixed annuity contract, with changes in estimated fair value    
reported in net derivative gains (losses). These embedded derivatives are     
classified within PABs on the consolidated balance sheets.                    

The estimated fair value of the embedded equity indexed derivatives, based
on the present value of future equity returns to the policyholder using       
actuarial and present value assumptions including expectations concerning     
policyholder behavior, is calculated by the Company's actuarial department.   
The calculation is based on in-force business and uses standard capital market
techniques, such as Black-Scholes, to calculate the value of the portion of   
the embedded derivative for which the terms are set. The portion of the       
embedded derivative covering the period beyond where terms are set is         
calculated as the present value of amounts expected to be spent to provide    
equity indexed returns in those periods. The valuation of these embedded      
derivatives also includes the establishment of a risk margin, as well as      
changes in nonperformance risk.                                               

Embedded Derivatives Within Asset and Liability Host Contracts              

Level 3 Valuation Techniques and Key Inputs:                                

Direct and assumed guaranteed minimum benefits                            

These embedded derivatives are principally valued using the income    
approach. Valuations are based on option pricing techniques, which utilize
significant inputs that may include swap yield curve, currency exchange   
  rates and implied volatilities. These embedded derivatives result in Level 3
classification because one or more of the significant inputs are not      
observable in the market or cannot be derived principally from, or        
corroborated by, observable market data. Significant unobservable inputs  
generally include: the extrapolation beyond observable limits of the swap 
  yield curve and implied volatilities, actuarial assumptions for policyholder
behavior and mortality and the potential variability in policyholder      
  behavior and mortality, nonperformance risk and cost of capital for purposes
of calculating the risk margin.                                           

Reinsurance ceded on certain guaranteed minimum benefits                  

These embedded derivatives are principally valued using the income    
approach. The valuation techniques and significant market standard        
unobservable inputs used in their valuation are similar to those described
above in "-- Direct and assumed guaranteed minimum benefits" and also     
include counterparty credit spreads.                                      

Transfers between Levels                                                      

Overall, transfers between levels occur when there are changes in the     
observability of inputs and market activity. Transfers into or out of any     
level are assumed to occur at the beginning of the period.                    

Transfers between Levels 1 and 2:                                           

For assets and liabilities measured at estimated fair value and still held
at December 31, 2014 and 2013, transfers between Levels 1 and 2 were not      
significant.                                                                  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

Transfers into or out of Level 3:                                           

Assets and liabilities are transferred into Level 3 when a significant  
input cannot be corroborated with market observable data. This occurs when  
market activity decreases significantly and underlying inputs cannot be     
 observed, current prices are not available, and/or when there are significant
variances in quoted prices, thereby affecting transparency. Assets and      
liabilities are transferred out of Level 3 when circumstances change such   
that a significant input can be corroborated with market observable data.   
This may be due to a significant increase in market activity, a specific    
event, or one or more significant input(s) becoming observable.             

  Transfers into Level 3 for fixed maturity securities were due primarily to
 a lack of trading activity, decreased liquidity and credit ratings downgrades
(e.g., from investment grade to below investment grade) which have resulted 
in decreased transparency of valuations and an increased use of independent 
non-binding broker quotations and unobservable inputs, such as illiquidity  
premiums, delta spread adjustments, or credit spreads.                      

 Transfers out of Level 3 for fixed maturity securities resulted primarily
from increased transparency of both new issuances that, subsequent to       
issuance and establishment of trading activity, became priced by independent
 pricing services and existing issuances that, over time, the Company was able
to obtain pricing from, or corroborate pricing received from, independent   
pricing services with observable inputs (such as observable spreads used in 
pricing securities) or increases in market activity and upgraded credit     
ratings.                                                                    

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

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, 2014        
                                                                                       ---------------------------   
                                        Valuation                 Significant                             Weighted   
                                        Techniques            Unobservable Inputs           Range        Average (1) 
                               ----------------------------- -----------------------   ---------------   ----------- 
                                                                                                                     
Fixed maturity securities (3)                                                                                        
 U.S. corporate and foreign                                   Delta spread                (35) -     240      51     
  corporate...................  Matrix pricing                   adjustments (4)                                     
                                Market pricing                Quoted prices (5)            --  -     750     418     
                                Consensus pricing             Offered quotes (5)           78  -     103      86     
                               --------------------------------------------------------------------------------------
 RMBS.........................  Consensus pricing             Offered quotes (5)            1  -     117      93     
                               --------------------------------------------------------------------------------------
 ABS..........................  Market pricing                Quoted prices (5)            97  -     108     101     
                                Consensus pricing             Offered quotes (5)           62  -     106      99     
                               --------------------------------------------------------------------------------------
Derivatives                                                                                                          
 Interest rate................  Present value                 Swap yield (7)              278  -     297             
                                   techniques                                                                        
                               --------------------------------------------------------------------------------------
 Credit.......................  Present value                 Credit spreads (8)           99  -      99             
                                   techniques                                                                        
                                Consensus pricing             Offered quotes (9)                                     
                               --------------------------------------------------------------------------------------
 Equity market................  Present value                 Volatility (10)             15%  -     27%             
                                   techniques or option                                                              
                                   pricing models                                                                    
                                                              Correlation (12)            70%  -     70%             
                               --------------------------------------------------------------------------------------
Embedded derivatives                                                                                                 
 Direct and ceded guaranteed    Option pricing techniques     Mortality rates:                                       
  minimum benefits............                                                                                       
                                                                 Ages 0 - 40               0%  -   0.10%             
                                                                 Ages 41 - 60           0.04%  -   0.65%             
                                                                 Ages 61 - 115          0.26%  -    100%             
                                                              Lapse rates:                                           
                                                                 Durations 1 - 10       0.50%  -    100%             
                                                                 Durations 11 - 20         3%  -    100%             
                                                                 Durations 21 - 116        3%  -    100%             
                                                              Utilization rates           20%  -     50%             
                                                              Withdrawal rates          0.07%  -     10%             
                                                              Long-term equity         17.40%  -     25%             
                                                                 volatilities                                        
                                                              Nonperformance            0.03%  -   1.39%             
                                                                 risk spread                                         
                               --------------------------------------------------------------------------------------
                                                        [Enlarge/Download Table]


                                                                                            December 31, 2013        
                                                                                       ---------------------------   
                                        Valuation                 Significant                             Weighted   
                                        Techniques            Unobservable Inputs           Range        Average (1) 
                               ----------------------------- -----------------------   ---------------   ----------- 
                                                                                                                     
Fixed maturity securities (3)                                                                                        
 U.S. corporate and foreign                                   Delta spread                (10) -     240      49     
  corporate...................  Matrix pricing                   adjustments (4)                                     
                                Market pricing                Quoted prices (5)            14  -     122      99     
                                Consensus pricing             Offered quotes (5)           33  -     103      87     
                               --------------------------------------------------------------------------------------
 RMBS.........................  Consensus pricing             Offered quotes (5)           78  -     100      95     
                               --------------------------------------------------------------------------------------
 ABS..........................  Market pricing                Quoted prices (5)            --  -     104     101     
                                Consensus pricing             Offered quotes (5)           58  -     106      98     
                               --------------------------------------------------------------------------------------
Derivatives                                                                                                          
 Interest rate................  Present value                 Swap yield (7)              248  -     450             
                                   techniques                                                                        
                               --------------------------------------------------------------------------------------
 Credit.......................  Present value                 Credit spreads (8)           98  -     100             
                                   techniques                                                                        
                                Consensus pricing             Offered quotes (9)                                     
                               --------------------------------------------------------------------------------------
 Equity market................  Present value                 Volatility (10)             13%  -     28%             
                                   techniques or option                                                              
                                   pricing models                                                                    
                                                              Correlation (12)            60%  -     60%             
                               --------------------------------------------------------------------------------------
Embedded derivatives                                                                                                 
 Direct and ceded guaranteed    Option pricing techniques     Mortality rates:                                       
  minimum benefits............                                                                                       
                                                                 Ages 0 - 40               0%  -   0.10%             
                                                                 Ages 41 - 60           0.04%  -   0.65%             
                                                                 Ages 61 - 115          0.26%  -    100%             
                                                              Lapse rates:                                           
                                                                 Durations 1 - 10       0.50%  -    100%             
                                                                 Durations 11 - 20         3%  -    100%             
                                                                 Durations 21 - 116        3%  -    100%             
                                                              Utilization rates           20%  -     50%             
                                                              Withdrawal rates          0.07%  -     10%             
                                                              Long-term equity         17.40%  -     25%             
                                                                 volatilities                                        
                                                              Nonperformance            0.03%  -   1.32%             
                                                                 risk spread                                         
                               --------------------------------------------------------------------------------------
                                                        [Enlarge/Download Table]

                                                                                         Impact of    
                                                                                        Increase in   
                                                                                         Input on     
                                        Valuation                 Significant            Estimated    
                                        Techniques            Unobservable Inputs      Fair Value (2) 
                               ----------------------------- -----------------------   -------------- 
                                                                                                      
Fixed maturity securities (3)                                                                         
 U.S. corporate and foreign                                   Delta spread               Decrease     
  corporate...................  Matrix pricing                   adjustments (4)                      
                                Market pricing                Quoted prices (5)          Increase     
                                Consensus pricing             Offered quotes (5)         Increase     
                               -----------------------------------------------------------------------
 RMBS.........................  Consensus pricing             Offered quotes (5)       Increase (6)   
                               -----------------------------------------------------------------------
 ABS..........................  Market pricing                Quoted prices (5)        Increase (6)   
                                Consensus pricing             Offered quotes (5)       Increase (6)   
                               -----------------------------------------------------------------------
Derivatives                                                                                           
 Interest rate................  Present value                 Swap yield (7)           Increase (11)  
                                   techniques                                                         
                               -----------------------------------------------------------------------
 Credit.......................  Present value                 Credit spreads (8)       Decrease (8)   
                                   techniques                                                         
                                Consensus pricing             Offered quotes (9)                      
                               -----------------------------------------------------------------------
 Equity market................  Present value                 Volatility (10)          Increase (11)  
                                   techniques or option                                               
                                   pricing models                                                     
                                                              Correlation (12)                        
                               -----------------------------------------------------------------------
Embedded derivatives                                                                                  
 Direct and ceded guaranteed    Option pricing techniques     Mortality rates:                        
  minimum benefits............                                                                        
                                                                 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           Decrease (18)  
                                                                 risk spread                          
                               -----------------------------------------------------------------------

--------                                                                        

(1)The weighted average for fixed maturity securities is determined based on    
the estimated fair value of the securities.                               

(2)The impact of a decrease in input would have the opposite impact on the      
  estimated fair value. For embedded derivatives, changes to direct guaranteed
minimum benefits are based on liability positions and changes to ceded    
guaranteed minimum benefits are based on asset positions.                 

(3)Significant increases (decreases) in expected default rates in isolation     
would result in substantially lower (higher) valuations.                  

(4)Range and weighted average are presented in basis points.                    

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

(5)Range and weighted average are presented in accordance with the market       
convention for fixed maturity securities of dollars per hundred dollars of
par.                                                                      

(6)Changes in the assumptions used for the probability of default is            
  accompanied by a directionally similar change in the assumption used for the
loss severity and a directionally opposite change in the assumptions used 
for prepayment rates.                                                     

(7)Ranges represent the rates across different yield curves and are presented   
in basis points. The swap yield curve is utilized among different types of
 derivatives to project cash flows, as well as to discount future cash flows
to present value. Since this valuation methodology uses a range of inputs 
across a yield curve to value the derivative, presenting a range is more  
representative of the unobservable input used in the valuation.           

(8)Represents the risk quoted in basis points of a credit default event on the  
underlying instrument. Credit derivatives with significant unobservable   
inputs are primarily comprised of written credit default swaps.           

(9)At both December 31, 2014 and 2013, independent non-binding broker           
quotations were used in the determination of less than 1% of the total net
derivative estimated fair value.                                          

(10)Ranges represent the underlying equity volatility quoted in percentage      
points. Since this valuation methodology uses a range of inputs across  
   multiple volatility surfaces to value the derivative, presenting a range is
more representative of the unobservable input used in the valuation.    

(11)Changes are based on long U.S. dollar net asset positions and will be       
inversely impacted for short U.S. dollar net asset positions.           

(12)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 contract        
holders with a GMIB or lifetime withdrawal benefit who will elect to    
utilize the benefit upon becoming eligible. The rates may vary by the   

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

  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.                                                

The following is a summary of the valuation techniques and significant      
unobservable inputs used in the fair value measurement of assets and            
liabilities classified within Level 3 that are not included in the preceding    
table. Generally, all other classes of securities classified within Level 3,    
including those within separate account assets and embedded derivatives within  
funds withheld related to certain ceded reinsurance, use the same valuation     
techniques and significant unobservable inputs as previously described for      
Level 3 securities. This includes matrix pricing and discounted cash flow       
methodologies, inputs such as quoted prices for identical or similar securities 
that are less liquid and based on lower levels of trading activity than         
securities classified in Level 2, as well as independent non-binding broker     
quotations. The sensitivity of the estimated fair value to changes in the       
significant unobservable inputs for these other assets and liabilities is       
similar in nature to that described in the preceding table. The valuation       
techniques and significant unobservable inputs used in the fair value           
measurement for the more significant assets measured at estimated fair value on 
a nonrecurring basis and determined using significant unobservable inputs       
(Level 3) are summarized in "-- Nonrecurring Fair Value Measurements."          

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

The following tables summarize the change of all assets and (liabilities)   
measured at estimated fair value on a recurring basis using significant         
unobservable inputs (Level 3):                                                  

                                                        [Enlarge/Download Table]

                                          Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                          ---------------------------------------------------------------------  
                                                                Fixed Maturity Securities                        
                                          ---------------------------------------------------------------------  
                                                                          State and                              
                                            U.S.                Foreign   Political                     Foreign  
                                          Corporate     RMBS   Corporate Subdivision   CMBS     ABS    Government
                                          ---------   -------- --------- ----------- -------- -------- ----------
                                                                      (In millions)                              
                                                                                                                 
Year Ended December 31, 2014                                                                                     
Balance at January 1,.................... $  1,270    $    450 $    779    $    --   $    129 $    426  $     -- 
Total realized/unrealized gains (losses)                                                                         
 included in:                                                                                                    
  Net income (loss): (1), (2)                                                                                    
   Net investment income.................        7           6        1         --         --       --        -- 
   Net investment gains (losses).........      (2)           3      (3)         --         --        1        -- 
   Net derivative gains (losses).........       --          --       --         --         --       --        -- 
   Policyholder benefits and claims......       --          --       --         --         --       --        -- 
  OCI....................................       87          13     (13)         --         --      (1)        -- 
Purchases (3)............................      125         351       53         --         45      105        -- 
Sales (3)................................    (143)        (89)     (51)         --       (26)    (162)        -- 
Issuances (3)............................       --          --       --         --         --       --        -- 
Settlements (3)..........................       --          --       --         --         --       --        -- 
Transfers into Level 3 (4)...............      158           1        5         --         17        7        -- 
Transfers out of Level 3 (4).............    (147)        (19)     (61)         --       (17)    (195)        -- 
                                          --------    -------- --------    -------   -------- --------  -------- 
Balance at December 31,.................. $  1,355    $    716 $    710    $    --   $    148 $    181  $     -- 
                                          ========    ======== ========    =======   ======== ========  ======== 
Changes in unrealized gains (losses)                                                                             
 included in net income (loss): (5)                                                                              
  Net investment income.................. $      6    $      6 $     --    $    --   $     -- $     --  $     -- 
  Net investment gains (losses).......... $    (1)    $     -- $    (2)    $    --   $     -- $     --  $     -- 
  Net derivative gains (losses).......... $     --    $     -- $     --    $    --   $     -- $     --  $     -- 
  Policyholder benefits and claims....... $     --    $     -- $     --    $    --   $     -- $     --  $     -- 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                                Fair Value Measurements Using Significant Unobservable Inputs (Level 3)       
                                          ------------------------------------------------------------------------------------
                                          Equity Securities                 Net Derivatives (6)                               
                                          ------------------             --------------------------                           
                                                     Non-                                                                     
                                                  redeemable                                              Net        Separate 
                                          Common  Preferred  Short-term  Interest          Equity      Embedded      Account  
                                          Stock     Stock    Investments   Rate   Credit   Market   Derivatives (7) Assets (8)
                                          ------- ---------- ----------- -------- ------ ---------- --------------- ----------
                                                                             (In millions)                                    
                                                                                                                              
Year Ended December 31, 2014                                                                                                  
Balance at January 1,.................... $    31  $   100     $    --   $    11  $    6 $    (309)   $      288     $    153 
Total realized/unrealized gains (losses)                                                                                      
 included in:                                                                                                                 
  Net income (loss): (1), (2)                                                                                                 
   Net investment income.................      --       --          --        --      --         --           --           -- 
   Net investment gains (losses).........     (3)        1          --        --      --         --           --          (1) 
   Net derivative gains (losses).........      --       --          --        15     (5)       (18)      (1,044)           -- 
   Policyholder benefits and claims......      --       --          --        --      --          4           87           -- 
  OCI....................................       6        1          --        55      --          2          107           -- 
Purchases (3)............................      --       --          71        --      --          4           --           12 
Sales (3)................................     (5)     (19)          --        --      --         --           --          (9) 
Issuances (3)............................      --       --          --        --      --         --           --           -- 
Settlements (3)..........................      --       --          --      (36)      --         75          215           -- 
Transfers into Level 3 (4)...............      --        6          --        --      --         --           --            3 
Transfers out of Level 3 (4).............      --     (18)          --        --      --         --           --           -- 
                                          -------  -------     -------   -------  ------ ----------   ----------     -------- 
Balance at December 31,.................. $    29  $    71     $    71   $    45  $    1 $    (242)   $    (347)     $    158 
                                          =======  =======     =======   =======  ====== ==========   ==========     ======== 
Changes in unrealized gains (losses)                                                                                          
 included in net income (loss): (5)                                                                                           
  Net investment income.................. $    --  $    --     $    --   $    --  $   -- $       --   $       --     $     -- 
  Net investment gains (losses).......... $    --  $   (1)     $    --   $    --  $   -- $       --   $       --     $     -- 
  Net derivative gains (losses).......... $    --  $    --     $    --   $    --  $  (1) $     (10)   $  (1,069)     $     -- 
  Policyholder benefits and claims....... $    --  $    --     $    --   $    --  $   -- $        4   $       87     $     -- 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                          Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                          ---------------------------------------------------------------------  
                                                                Fixed Maturity Securities                        
                                          ---------------------------------------------------------------------  
                                                                          State and                              
                                            U.S.                Foreign   Political                     Foreign  
                                          Corporate     RMBS   Corporate Subdivision   CMBS     ABS    Government
                                          ---------   -------- --------- ----------- -------- -------- ----------
                                                                      (In millions)                              
                                                                                                                 
Year Ended December 31, 2013                                                                                     
Balance at January 1,.................... $  1,504    $    292 $    914    $    25   $    181 $    347 $       2 
Total realized/unrealized gains (losses)                                                                         
 included in:                                                                                                    
  Net income (loss): (1), (2)                                                                                    
   Net investment income.................        7           1        1         --         --        1        -- 
   Net investment gains (losses).........       --          --      (7)         --         --        2        -- 
   Net derivative gains (losses).........       --          --       --         --         --       --        -- 
   Policyholder benefits and claims......       --          --       --         --         --       --        -- 
  OCI....................................     (40)          13      (3)         --          1      (5)        -- 
Purchases (3)............................      154         183       63         --         55      191        -- 
Sales (3)................................    (262)        (50)    (140)        (2)       (71)     (53)       (2) 
Issuances (3)............................       --          --       --         --         --       --        -- 
Settlements (3)..........................       --          --       --         --         --       --        -- 
Transfers into Level 3 (4)...............      222          15       28         --         --       --        -- 
Transfers out of Level 3 (4).............    (315)         (4)     (77)       (23)       (37)     (57)        -- 
                                          --------    -------- --------    -------   -------- -------- --------- 
Balance at December 31,.................. $  1,270    $    450 $    779    $    --   $    129 $    426 $      -- 
                                          ========    ======== ========    =======   ======== ======== ========= 
Changes in unrealized gains (losses)                                                                             
 included in net income (loss): (5)                                                                              
  Net investment income.................. $      7    $      1 $     --    $    --   $     -- $     -- $      -- 
  Net investment gains (losses).......... $      1    $     -- $    (3)    $    --   $     -- $     -- $      -- 
  Net derivative gains (losses).......... $     --    $     -- $     --    $    --   $     -- $     -- $      -- 
  Policyholder benefits and claims....... $     --    $     -- $     --    $    --   $     -- $     -- $      -- 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)      
                                          ----------------------------------------------------------------------------------
                                          Equity Securities                Net Derivatives (6)                              
                                          ------------------             ------------------------                           
                                                     Non-                                                                   
                                                  redeemable                                            Net        Separate 
                                          Common  Preferred  Short-term  Interest         Equity     Embedded      Account  
                                          Stock     Stock    Investments   Rate   Credit  Market  Derivatives (7) Assets (8)
                                          ------- ---------- ----------- -------- ------ -------- --------------- ----------
                                                                            (In millions)                                   
                                                                                                                            
Year Ended December 31, 2013                                                                                                
Balance at January 1,.................... $    26  $    110   $     18   $   119  $   10 $    134   $   (5,309)    $    141 
Total realized/unrealized gains (losses)                                                                                    
 included in:............................                                                                                   
  Net income (loss): (1), (2)                                                                                               
   Net investment income.................      --        --         --        --      --       --            --          -- 
   Net investment gains (losses).........       8        --         --        --      --       --            --           6 
   Net derivative gains (losses).........      --        --         --      (16)     (4)    (465)         6,448          -- 
   Policyholder benefits and claims......      --        --         --        --      --       19         (139)          -- 
  OCI....................................       7        14         --      (58)      --       --           292          -- 
Purchases (3)............................       2         3         --        --      --        7            --           9 
Sales (3)................................    (12)      (27)       (18)        --      --       --            --         (6) 
Issuances (3)............................      --        --         --        --      --       --            --          -- 
Settlements (3)..........................      --        --         --      (19)      --      (4)       (1,004)          -- 
Transfers into Level 3 (4)...............      --        --         --        --      --       --            --           3 
Transfers out of Level 3 (4).............      --        --         --      (15)      --       --            --          -- 
                                          -------  --------   --------   -------  ------ --------   -----------    -------- 
Balance at December 31,.................. $    31  $    100   $     --   $    11  $    6 $  (309)   $       288    $    153 
                                          =======  ========   ========   =======  ====== ========   ===========    ======== 
Changes in unrealized gains (losses)                                                                                        
 included in net income (loss): (5)                                                                                         
  Net investment income.................. $    --  $     --   $     --   $    --  $   -- $     --   $        --    $     -- 
  Net investment gains (losses).......... $   (2)  $    (3)   $     --   $    --  $   -- $     --   $        --    $     -- 
  Net derivative gains (losses).......... $    --  $     --   $     --   $   (8)  $  (4) $  (450)   $     6,409    $     -- 
  Policyholder benefits and claims....... $    --  $     --   $     --   $    --  $   -- $     19   $     (139)    $     -- 

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                          Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                          ---------------------------------------------------------------------- 
                                                                Fixed Maturity Securities                        
                                          ---------------------------------------------------------------------- 
                                                                         State and                               
                                            U.S.               Foreign   Political                     Foreign   
                                          Corporate    RMBS   Corporate Subdivision   CMBS     ABS    Government 
                                          ---------  -------- --------- ----------- -------- -------- -----------
                                                                      (In millions)                              
                                                                                                                 
Year Ended December 31, 2012                                                                                     
Balance at January 1,.................... $  1,464   $    250 $    588   $      23  $    189 $    226 $         2
Total realized/unrealized gains (losses)                                                                         
 included in:                                                                                                    
  Net income (loss): (1), (2)                                                                                    
   Net investment income.................        7         --       --          --        --       --          --
   Net investment gains (losses).........       --        (4)     (24)          --       (2)       --          --
   Net derivative gains (losses).........       --         --       --          --        --       --          --
   Policyholder benefits and claims......       --         --       --          --        --       --          --
  OCI....................................       67         42       46           3         6        8          --
Purchases (3)............................      263         61      305          --        37      153          --
Sales (3)................................    (185)       (63)     (55)         (1)      (71)     (22)          --
Issuances (3)............................       --         --       --          --        --       --          --
Settlements (3)..........................       --         --       --          --        --       --          --
Transfers into Level 3 (4)...............       87          6       68          --        39       --          --
Transfers out of Level 3 (4).............    (199)         --     (14)          --      (17)     (18)          --
                                          --------   -------- --------   ---------  -------- -------- -----------
Balance at December 31,.................. $  1,504   $    292 $    914   $      25  $    181 $    347 $         2
                                          ========   ======== ========   =========  ======== ======== ===========
Changes in unrealized gains (losses)                                                                             
 included in net income (loss): (5)                                                                              
  Net investment income.................. $      7   $     -- $      1   $      --  $     -- $     -- $        --
  Net investment gains (losses).......... $     --   $    (2) $   (16)   $      --  $     -- $     -- $        --
  Net derivative gains (losses).......... $     --   $     -- $     --   $      --  $     -- $     -- $        --
  Policyholder benefits and claims....... $     --   $     -- $     --   $      --  $     -- $     -- $        --

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

                                                        [Enlarge/Download Table]

                                                 Fair Value Measurements Using Significant Unobservable Inputs (Level 3)       
                                          ------------------------------------------------------------------------------------ 
                                            Equity Securities                 Net Derivatives (6)                              
                                          --------------------              ----------------------                             
                                                        Non-                                                                   
                                                     redeemable                                                       Separate 
                                            Common   Preferred  Short-term  Interest        Equity   Net Embedded     Account  
                                            Stock      Stock    Investments   Rate   Credit Market  Derivatives (7)  Assets (8)
                                          ---------  ---------- ----------- -------- ------ ------  ---------------  ----------
                                                                              (In millions)                                    
                                                                                                                               
Year Ended December 31, 2012                                                                                                   
Balance at January 1,.................... $      41   $    90    $      50   $  174  $  (1) $  887       $   (5,443)  $    130 
Total realized/unrealized gains (losses)                                                                                       
 included in:                                                                                                                  
  Net income (loss): (1), (2)                                                                                                  
  Net investment income..................        --        --           --       --     --      --               --         -- 
   Net investment gains (losses).........        (2)       --           --       --     --      --               --         16 
   Net derivative gains (losses).........        --        --           --        1     10    (599)             511         -- 
   Policyholder benefits and claims......        --        --           --       --     --      29               71         -- 
  OCI....................................        10        22           --        1     --      (3)             262         -- 
Purchases (3)............................        --        --           18       --     --      19               --          1 
Sales (3)................................        (3)       (2)         (50)      --     --      --               --         (5)
Issuances (3)............................        --        --           --      (10)    --     (43)              --         -- 
Settlements (3)..........................        --        --           --      (47)    --    (156)            (710)        -- 
Transfers into Level 3 (4)...............        --        --           --       --     --      --               --          1 
Transfers out of Level 3 (4).............       (20)       --           --       --      1      --               --         (2)
                                          ---------   -------    ---------   ------  -----  ------       ----------   -------- 
Balance at December 31,.................. $      26   $   110    $      18   $  119  $  10  $  134       $   (5,309)  $    141 
                                          =========   =======    =========   ======  =====  ======       ==========   ======== 
Changes in unrealized gains (losses)                                                                                           
 included in net income (loss): (5)                                                                                            
  Net investment income.................. $      --   $    --    $      --   $   --  $  --  $   --       $       --   $     -- 
  Net investment gains (losses).......... $      (4)  $    --    $      --   $   --  $  --  $   --       $       --   $     -- 
  Net derivative gains (losses).......... $      --   $    --    $      --   $    3  $  11  $ (586)      $      475   $     -- 
  Policyholder benefits and claims....... $      --   $    --    $      --   $   --  $  --  $   29       $       74   $     -- 

--------                                                                        

(1)Amortization of premium/accretion of discount is included within net         
investment income. Impairments charged to net income (loss) on securities 
are included in net investment gains (losses). Lapses associated with net 
embedded derivatives are included in net derivative gains (losses).       

(2)Interest and dividend accruals, as well as cash interest coupons and         
dividends received, are excluded from the rollforward.                    

(3)Items purchased/issued and then sold/settled in the same period are excluded 
from the rollforward. Fees attributed to embedded derivatives are included
in settlements.                                                           

(4)Gains and losses, in net income (loss) and OCI, are calculated assuming      
transfers into and/or out of Level 3 occurred at the beginning of the     
period. Items transferred into and then out of Level 3 in the same period 
are excluded from the rollforward.                                        

(5)Changes in unrealized gains (losses) included in net income (loss) relate to 
assets and liabilities still held at the end of the respective periods.   

(6)Freestanding derivative assets and liabilities are presented net for         
purposes of the rollforward.                                              

(7)Embedded derivative assets and liabilities are presented net for purposes of 
the rollforward.                                                          

(8)Investment performance related to separate account assets is fully offset by 
corresponding amounts credited to contractholders within separate account 
liabilities. Therefore, such changes in estimated fair value are not      
recorded in net income. For the purpose of this disclosure, these changes 
are presented within net investment gains (losses).                       

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

Fair Value Option                                                             

 The following table presents information for certain assets and liabilities
of CSEs, which are accounted for under the FVO. These assets and liabilities  
were initially measured at fair value.                                        

                                                        [Enlarge/Download Table]

                                                                             December 31,  
                                                                           ----------------
                                                                             2014     2013 
                                                                           ------- --------
                                                                            (In millions)  
                                                                                           
Assets (1)                                                                                 
Unpaid principal balance.................................................. $   223 $  1,528
Difference between estimated fair value and unpaid principal balance......      57       70
                                                                           ------- --------
 Carrying value at estimated fair value................................... $   280 $  1,598
                                                                           ======= ========
Liabilities (1)                                                                            
Contractual principal balance............................................. $   133 $  1,436
Difference between estimated fair value and contractual principal balance.       6       25
                                                                           ------- --------
 Carrying value at estimated fair value................................... $   139 $  1,461
                                                                           ======= ========

--------                                                                        

(1)These assets and liabilities are comprised of commercial mortgage loans and  
long-term debt. Changes in estimated fair value on these assets and       
liabilities and gains or losses on sales of these assets are recognized in
 net investment gains (losses). Interest income on commercial mortgage loans
  held by CSEs -- FVO is recognized in net investment income. Interest expense
from long-term debt of CSEs -- FVO is recognized in other expenses.       

Nonrecurring Fair Value Measurements                                            

The following table presents information for assets measured at estimated   
fair value on a nonrecurring basis during the periods and still held at the     
reporting dates (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,
                                         -------------------------------- ------------------------
                                         2014       2013       2012       2014    2013     2012   
                                         ----       ----       ----       -----   -----   ------  
                                         Carrying Value After Measurement   Gains (Losses)        
                                         -------------------------------- ------------------------
                                                   (In millions)                                  
                                                                                                  
Mortgage loans (1)......................  $ 3        $19        $65       $  --   $ (3)   $    4  
Other limited partnership interests (2).  $38        $ 5        $ 6       $ (6)   $ (6)   $  (3)  
Goodwill (3)............................  $--        $--        $--       $(33)   $(66)   $(394)  

--------                                                                        

(1)Estimated fair values for impaired mortgage loans are based on independent   
broker quotations or valuation models using unobservable inputs or, if the
loans are in foreclosure or are otherwise determined to be collateral     
dependent, are based on the estimated fair value of the underlying        
collateral or the present value of the expected future cash flows.        

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

(2)For these cost method investments, estimated fair value is determined from   
 information provided in the financial statements of the underlying entities
 including NAV data. These investments include private equity and debt funds
  that typically invest primarily in various strategies including domestic and
international leveraged buyout funds; power, energy, timber and           
infrastructure development funds; venture capital funds; and below        
investment grade debt and mezzanine debt funds. Distributions will be     
generated from investment gains, from operating income from the underlying
investments of the funds and from liquidation of the underlying assets of 
the funds. It is estimated that the underlying assets of the funds will be
liquidated over the next two to 10 years. Unfunded commitments for these  
investments at both December 31, 2014 and 2013 were not significant.      

(3)In 2014, the Company recorded an impairment of goodwill associated with the  
Retail Annuities reporting unit. In addition, the Company recorded        
impairments of goodwill associated with the Retail Life & Other and Retail
Annuities reporting units in 2013 and 2012, respectively. See Note 11 for 
additional information on the impairments. These impairments have been    
categorized as Level 3 due to the significant unobservable inputs used in 
the determination of the estimated fair value.                            

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

Fair Value of Financial Instruments Carried at Other Than Fair Value            

The following tables provide fair value information for financial instruments 
that are carried on the balance sheet at amounts other than fair value. These   
tables exclude the following financial instruments: cash and cash equivalents,  
accrued investment income, payables for collateral under securities loaned and  
other transactions and those short-term investments that are not securities,    
such as time deposits, and therefore are not included in the three level        
hierarchy table disclosed in the "-- Recurring Fair Value Measurements"         
section. The estimated fair value of the excluded financial instruments, which  
are primarily classified in Level 2 and, to a lesser extent, in Level 1,        
approximates carrying value as they are short-term in nature such that the      
Company believes there is minimal risk of material changes in interest rates or 
credit quality. All remaining balance sheet amounts excluded from the table     
below are not considered financial instruments subject to this disclosure.      

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, 2014                
                                             -------------------------------------------------
                                                             Fair Value Hierarchy             
                                                            -----------------------           
                                                                                      Total   
                                                                                    Estimated 
                                             Carrying Value Level 1 Level 2 Level 3 Fair Value
                                             -------------- ------- ------- ------- ----------
                                                               (In millions)                  
                                                                                              
Assets                                                                                        
Mortgage loans..............................      $   5,559     $--  $   -- $ 6,020    $ 6,020
Policy loans................................      $   1,194     $--  $  834 $   454    $ 1,288
Real estate joint ventures..................      $      37     $--  $   -- $    83    $    83
Other limited partnership interests.........      $      63     $--  $   -- $    81    $    81
Other invested assets.......................      $       1     $--  $    1 $    --    $     1
Premiums, reinsurance and other receivables.      $   6,231     $--  $   51 $ 7,156    $ 7,207
Other assets................................      $      --     $--  $   -- $    --    $    --
Liabilities                                                                                   
PABs........................................      $  20,554     $--  $   -- $22,079    $22,079
Long-term debt..............................      $     789     $--  $1,120 $    --    $ 1,120
Other liabilities...........................      $     245     $--  $   76 $   169    $   245
Separate account liabilities................      $   1,432     $--  $1,432 $    --    $ 1,432

                                                             December 31, 2013                
                                             -------------------------------------------------
                                                             Fair Value Hierarchy             
                                                            -----------------------           
                                                                                      Total   
                                                                                    Estimated 
                                             Carrying Value Level 1 Level 2 Level 3 Fair Value
                                             -------------- ------- ------- ------- ----------
                                                               (In millions)                  
Assets                                                                                        
Mortgage loans..............................      $   6,406     $--  $   -- $ 6,730    $ 6,730
Policy loans................................      $   1,246     $--  $  875 $   446    $ 1,321
Real estate joint ventures..................      $      55     $--  $   -- $    98    $    98
Other limited partnership interests.........      $      79     $--  $   -- $    90    $    90
Other invested assets.......................      $     476     $--  $  532 $    --    $   532
Premiums, reinsurance and other receivables.      $   6,096     $--  $  251 $ 6,159    $ 6,410
Other assets................................      $       5     $--  $    5 $    --    $     5
Liabilities                                                                                   
PABs........................................      $  23,170     $--  $   -- $24,490    $24,490
Long-term debt..............................      $     865     $--  $1,088 $    --    $ 1,088
Other liabilities...........................      $     260     $--  $   98 $   162    $   260
Separate account liabilities................      $   1,448     $--  $1,448 $    --    $ 1,448

The methods, assumptions and significant valuation techniques and inputs used 
to estimate the fair value of financial instruments are summarized as follows:  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

Mortgage Loans                                                                

The estimated fair value of mortgage loans is primarily determined by     
estimating expected future cash flows and discounting them using current      
interest rates for similar mortgage loans with similar credit risk, or is     
determined from pricing for similar loans.                                    

Policy Loans                                                                  

Policy loans with fixed interest rates are classified within Level 3. The 
estimated fair values for these loans are determined using a discounted cash  
flow model applied to groups of similar policy loans determined by the nature 
of the underlying insurance liabilities. Cash flow estimates are developed by 
applying a weighted-average interest rate to the outstanding principal balance
of the respective group of policy loans and an estimated average maturity     
determined through experience studies of the past performance of policyholder 
repayment behavior for similar loans. These cash flows are discounted using   
current risk-free interest rates with no adjustment for borrower credit risk  
as these loans are fully collateralized by the cash surrender value of the    
underlying insurance policy. Policy loans with variable interest rates are    
classified within Level 2 and the estimated fair value approximates carrying  
value due to the absence of borrower credit risk and the short time period    
between interest rate resets, which presents minimal risk of a material change
in estimated fair value due to changes in market interest rates.              

Real Estate Joint Ventures and Other Limited Partnership Interests            

The estimated fair values of these cost method investments are generally  
based on the Company's share of the NAV as provided in the financial          
statements of the investees. In certain circumstances, management may adjust  
the NAV by a premium or discount when it has sufficient evidence to support   
applying such adjustments.                                                    

Other Invested Assets                                                         

  These other invested assets are principally comprised of loans to affiliates
and funds withheld. The estimated fair value of loans to affiliates is        
determined by discounting the expected future cash flows using market interest
rates currently available for instruments with similar terms and remaining    
maturities. For funds withheld, the Company evaluates the specific facts and  
circumstances of each instrument to determine the appropriate estimated fair  
values. These estimated fair values were not materially different from the    
recognized carrying values.                                                   

Premiums, Reinsurance and Other Receivables                                   

Premiums, reinsurance and other receivables are principally comprised of  
certain amounts recoverable under reinsurance agreements, amounts on deposit  
with financial institutions to facilitate daily settlements related to certain
derivatives and amounts receivable for securities sold but not yet settled.   

Amounts recoverable under ceded reinsurance agreements, which the Company 
has determined do not transfer significant risk such that they are accounted  
for using the deposit method of accounting, have been classified as Level 3.  
The valuation is based on discounted cash flow methodologies using significant
unobservable inputs. The estimated fair value is determined using interest    
rates determined to reflect the appropriate credit standing of the assuming   
counterparty.                                                                 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

The amounts on deposit for derivative settlements, classified within Level
2, essentially represent the equivalent of demand deposit balances and amounts
due for securities sold are generally received over short periods such that   
the estimated fair value approximates carrying value.                         

Other Assets                                                                  

Other assets are comprised of a receivable for the reimbursable portion of
the estimated future guaranty liability that pertains to pre-acquisition      
business. With the exception of the receivable, other assets are not          
considered financial instruments subject to disclosure. Accordingly, the      
amount represents the receivable from an unaffiliated institution for which   
the estimated fair value was determined by discounting the expected future    
cash flows using a discount rate that reflects the credit standing of the     
unaffiliated institution.                                                     

PABs                                                                          

 These PABs include investment contracts. Embedded derivatives on investment
contracts and certain variable annuity guarantees accounted for as embedded   
derivatives are excluded from this caption in the preceding tables as they are
separately presented in "-- Recurring Fair Value Measurements."               

  The investment contracts primarily include certain funding agreements, fixed
deferred annuities, modified guaranteed annuities, fixed term payout annuities
and total control accounts. The valuation of these investment contracts is    
based on discounted cash flow methodologies using significant unobservable    
inputs. The estimated fair value is determined using current market risk-free 
interest rates adding a spread to reflect the nonperformance risk in the      
liability.                                                                    

Long-term Debt                                                                

The estimated fair value of long-term debt is principally determined using
market standard valuation methodologies. Valuations of instruments are based  
primarily on quoted prices in markets that are not active or using matrix     
pricing that use standard market observable inputs such as quoted prices in   
markets that are not active and observable yields and spreads in the market.  
Instruments valued using discounted cash flow methodologies use standard      
market observable inputs including market yield curve, duration, observable   
prices and spreads for similar publicly traded or privately traded issues.    

Other Liabilities                                                             

Other liabilities consist primarily of interest payable, amounts due for  
securities purchased but not yet settled and funds withheld amounts payable,  
which are contractually withheld by the Company in accordance with the terms  
of the reinsurance agreements. The Company evaluates the specific terms, facts
and circumstances of each instrument to determine the appropriate estimated   
fair values, which are not materially different from the carrying values.     

Separate Account Liabilities                                                  

Separate account liabilities represent those balances due to policyholders
under contracts that are classified as investment contracts.                  

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

10. Fair Value (continued)                                                      

Separate account liabilities classified as investment contracts primarily 
represent variable annuities with no significant mortality risk to the Company
such that the death benefit is equal to the account balance and certain       
contracts that provide for benefit funding.                                   

Since separate account liabilities are fully funded by cash flows from the
separate account assets which are recognized at estimated fair value as       
described in the section "-- Recurring Fair Value Measurements," the value of 
those assets approximates the estimated fair value of the related separate    
account liabilities. The valuation techniques and inputs for separate account 
liabilities are similar to those described for separate account assets.       

11. Goodwill                                                                    

Goodwill is the excess of cost over the estimated fair value of net assets  
acquired. Goodwill is not amortized but is tested for impairment at least       
annually or more frequently if events or circumstances, such as adverse changes 
in the business climate, indicate that there may be justification for           
conducting an interim test. The goodwill impairment process requires a          
comparison of the estimated fair value of a reporting unit to its carrying      
value. The Company tests goodwill for impairment by either performing a         
qualitative assessment or a two-step quantitative test. The qualitative         
assessment is an assessment of historical information and relevant events and   
circumstances to determine whether it is more likely than not that the fair     
value of a reporting unit is less than its carrying amount, including goodwill. 
The Company may elect not to perform the qualitative assessment for some or all 
of its reporting units and perform a two-step quantitative impairment test. In  
performing the two-step quantitative impairment test, the Company may use a     
market multiple valuation approach and a discounted cash flow valuation         
approach. For reporting units which are particularly sensitive to market        
assumptions, the Company may use additional valuation methodologies to estimate 
the reporting units' fair values.                                               

 The market multiple valuation approach utilizes market multiples of companies
with similar businesses and the projected operating earnings of the reporting   
unit. The discounted cash flow valuation approach requires judgments about      
revenues, operating earnings projections, capital market assumptions and        
discount rates. The key inputs, judgments and assumptions necessary in          
determining estimated fair value of the reporting units include projected       
operating earnings, current book value, the level of economic capital required  
to support the mix of business, long-term growth rates, comparative market      
multiples, the account value of in-force business, projections of new and       
renewal business, as well as margins on such business, the level of interest    
rates, credit spreads, equity market levels, and the discount rate that the     
Company believes is appropriate for the respective reporting unit.              

The valuation methodologies utilized are subject to key judgments and       
assumptions that are sensitive to change. Estimates of fair value are           
inherently uncertain and represent only management's reasonable expectation     
regarding future developments. These estimates and the judgments and            
assumptions upon which the estimates are based will, in all likelihood, differ  
in some respects from actual future results. Declines in the estimated fair     
value of the Company's reporting units could result in goodwill impairments in  
future periods which could materially adversely affect the Company's results of 
operations or financial position.                                               

For the 2014 annual goodwill impairment tests, the Company utilized the     
qualitative assessment for its Corporate Benefit Funding reporting unit and     
determined it was not more than likely that the fair value of the reporting     
unit was less than its carrying amount, and, therefore no further testing was   
needed for this reporting                                                       

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

11. Goodwill (continued)                                                        

unit. For the Retail Annuities reporting unit, for which goodwill was held at   
MLIIC prior to the Mergers, the Company utilized a market multiple valuation    
approach and determined that goodwill was not impaired.                         

As a result of the Mergers (see Note 3) and the segment reporting changes   
discussed below, goodwill was re-tested for impairment during the fourth        
quarter of 2014. For the Corporate Benefit Funding reporting unit an updated    
qualitative assessment was performed and the Company determined it was not more 
than likely that the fair value of the reporting unit was less than its         
carrying amount, and, therefore, no further testing was needed for this         
reporting unit. For the Retail Annuities reporting unit, the Company performed  
a two-step quantitative impairment test comprised of a market multiple          
valuation and a discounted cash flow valuation and both approaches resulted in  
a fair value that was less than the carrying value, indicating a potential      
impairment. As a result, Step 2 of the goodwill impairment process was          
performed, which compares the implied fair value of the reporting unit's        
goodwill with its carrying value. This analysis indicated that the recorded     
goodwill associated with this reporting unit was not recoverable. Therefore,    
the Company recorded a non-cash charge of $33 million with no income tax impact 
for the impairment of the entire goodwill balance that is reported in goodwill  
impairment in the consolidated statements of operations for the year ended      
December 31, 2014.                                                              

Effective January 1, 2015, the Company implemented certain segment reporting
changes related to the measurement of segment operating earnings. The changes   
will be applied retrospectively beginning with the first quarter of 2015 and    
will not impact total consolidated operating earnings or net income. These      
changes include revising the Company's capital allocation methodology. As a     
result, re-testing of goodwill for the Corporate Benefit Funding and Retail     
Annuities reporting units, discussed above, was performed using the estimated   
revised carrying amounts of the reporting units.                                

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

11. Goodwill (continued)                                                        

Information regarding goodwill by segment, as well as Corporate & Other, was
as follows:                                                                     

                                                                [Download Table]

                                       Corporate                     
                                        Benefit   Corporate          
                               Retail   Funding  & Other (1)  Total  
                              -------- --------- ----------- --------
                                           (In millions)             
                                                                     
Balance at January 1, 2012                                           
Goodwill..................... $    274    $  307    $    405 $    986
Accumulated impairment.......       --        --          --       --
                              -------- --------- ----------- --------
 Total goodwill, net......... $    274    $  307    $    405 $    986

Impairments (2)..............    (218)        --       (176)    (394)

Balance at December 31, 2012                                         
Goodwill..................... $    274    $  307    $    405 $    986
Accumulated impairment.......    (218)        --       (176)    (394)
                              -------- --------- ----------- --------
 Total goodwill, net......... $     56    $  307    $    229 $    592
Impairments (3)..............     (23)        --        (43)     (66)
Balance at December 31, 2013                                         
Goodwill..................... $    274    $  307    $    405 $    986
Accumulated impairment.......    (241)        --       (219)    (460)
                              -------- --------- ----------- --------
 Total goodwill, net......... $     33    $  307    $    186 $    526
Dispositions (4).............       --     (112)          --    (112)
Impairments..................     (33)        --          --     (33)
Balance at December 31, 2014                                         
Goodwill..................... $    274    $  195    $    405 $    874
Accumulated impairment.......    (274)        --       (219)    (493)
                              -------- --------- ----------- --------
 Total goodwill, net......... $     --    $  195    $    186 $    381
                              ======== ========= =========== ========

--------                                                                        

(1)For purposes of goodwill impairment testing in 2014, the $186 million of net 
goodwill in Corporate & Other at December 31, 2013 did not change. This   
balance resulted from goodwill acquired as part of the 2005 Travelers     
acquisition and was allocated to the Corporate Benefit Funding segment.   

(2)In connection with its annual goodwill impairment testing, the Company       
determined that recorded goodwill associated with the Retail Annuities    
reporting unit was not recoverable and recorded a non-cash charge of $394 
million ($147 million, net of income tax) for the impairment in the       
 consolidated statements of operations for the year ended December 31, 2012.

(3)In connection with its annual goodwill impairment testing, the Company       
determined that all of the recorded goodwill associated with the Retail   
Life & Other reporting unit was not recoverable and recorded a non-cash   
  charge of $66 million ($57 million, net of income tax) for the impairment of
  the entire goodwill balance in the consolidated statements of operations for
the year ended December 31, 2013.                                         

(4)In connection with the sale of MAL, goodwill in the Corporate Benefit        
Funding reporting unit was reduced by $112 million during the year ended  
December 31, 2014. See Note 4. This goodwill was allocated to MAL based on
the relative fair values of MAL and the remaining portion of the Corporate
Benefit Funding reporting unit.                                           

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

12. Debt                                                                        

Long-term debt outstanding was as follows:                                  

                                                                [Download Table]

                                                        December 31,   
                                    Interest          -----------------
                                      Rate   Maturity   2014     2013  
                                    -------- -------- -------- --------
                                                        (In millions)  
                                                                       
Surplus notes -- affiliated (1)....   8.60%      2038 $    750 $    750
Long-term debt -- affiliated (2)...   6.80%      2014       --       75
Long-term debt -- unaffiliated (3).   7.03%      2030       39       40
                                                      -------- --------
 Total long-term debt (4)..........                   $    789 $    865
                                                      ======== ========

--------                                                                        

(1)Payments of interest and principal on affiliated surplus notes, which are    
 subordinate to all other obligations at the operating company level, may be
made only with the prior approval of the insurance department of the state
of domicile.                                                              

(2)In December 2014, MetLife USA repaid at maturity its $75 million 6.80%       
affiliated notes.                                                         

(3)Principal and interest is paid quarterly.                                    

(4)Excludes $139 million and $1.5 billion of long-term debt relating to CSEs at 
December 31, 2014 and 2013, respectively. See Note 8.                     

The aggregate maturities of long-term debt at December 31, 2014 are $1      
million in each of 2015, 2016, and 2017, $2 million in each of 2018 and 2019    
and $782 million thereafter.                                                    

Interest expense related to the Company's indebtedness is included in other 
expenses and was $73 million for each of the years ended December 31, 2014 and  
2013, and interest expense was $154 million for the year ended December 31,     
2012.                                                                           

Letters of Credit                                                               

The Company had access to credit facilities from various banks, either      
directly with the bank or indirectly through letters of credit available to     
MetLife, Inc. for the benefit of the Company and certain other affiliates of    
MetLife, Inc. These facilities were used for collateral for certain of the      
Company's affiliated reinsurance liabilities. Total fees expensed associated    
with letters of credit were $13 million, $27 million and $33 million for the    
years ended December 31, 2014, 2013 and 2012, respectively, and were included   
in other expenses. At December 31, 2014, the Company had $2 million in letters  
of credit outstanding. Remaining availability was $3.3 billion at December 31,  
2014.                                                                           

13. Equity                                                                      

See Note 3 for a discussion on the Mergers.                                 

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

13. Equity (continued)                                                          

Common Stock                                                                    

In August 2014, MetLife Insurance Company of Connecticut redeemed for $1.4  
billion and retired 4,595,317 shares of its common stock owned by MetLife       
Investors Group LLC.                                                            

Capital Contributions                                                           

In August 2014, MetLife Insurance Company of Connecticut received a capital 
contribution of $231 million in cash from MetLife, Inc.                         

In December and June 2012, Exeter received capital contributions of $550    
million and $250 million, respectively, in cash from MetLife, Inc.              

Statutory Equity and Income                                                     

Each U.S. insurance company's state of domicile imposes risk-based capital  
("RBC") requirements that were developed by the National Association of         
Insurance Commissioners ("NAIC"). Regulatory compliance is determined by a      
ratio of a company's total adjusted capital, calculated in the manner           
prescribed by the NAIC ("TAC") to its authorized control level RBC, calculated  
in the manner prescribed by the NAIC ("ACL RBC"). Companies below specific      
trigger levels or ratios are classified by certain levels, each of which        
requires specified corrective action. The minimum level of TAC before           
corrective action commences is twice ACL RBC. The RBC ratio for MetLife USA was 
in excess of 350% for all periods presented.                                    

MetLife USA prepares statutory-basis financial statements in accordance with
statutory accounting practices prescribed or permitted by the insurance         
department of its state of domicile or applicable foreign jurisdiction. The     
NAIC has adopted the Codification of Statutory Accounting Principles            
("Statutory Codification"). Statutory Codification is intended to standardize   
regulatory accounting and reporting to state insurance departments. However,    
statutory accounting principles continue to be established by individual state  
laws and permitted practices. Modifications by the various state insurance      
departments may impact the effect of Statutory Codification on the statutory    
capital and surplus of MetLife USA.                                             

 Statutory accounting principles differ from GAAP primarily by charging policy
acquisition costs to expense as incurred, establishing future policy benefit    
liabilities using different actuarial assumptions, reporting surplus notes as   
surplus instead of debt, reporting of reinsurance agreements and valuing        
securities on a different basis.                                                

In addition, certain assets are not admitted under statutory accounting     
principles and are charged directly to surplus. The most significant assets not 
admitted by MetLife USA are net deferred income tax assets resulting from       
temporary differences between statutory accounting principles basis and tax     
basis not expected to reverse and become recoverable within three years.        

The Delaware Department of Insurance approved two statutory accounting      
permitted practices for MetLife USA. For December 31, 2013, MetLife USA applied 
a U.S. GAAP reserving methodology for certain foreign blocks of business held   
by Exeter prior to the Mergers. These blocks of business were recaptured by the 
counterparties prior to the Mergers and are, therefore, not included in MetLife 
USA's statutory reserves as of December 31, 2014. In addition, the Delaware     
Department of Insurance granted permission for MetLife USA not                  

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(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

13. Equity (continued)                                                          

to calculate, record or disclose the effect of this permitted practice on       
statutory surplus and net income. Additionally, the Delaware Department of      
Insurance granted approval for MetLife USA to present the statutory conversion  
of Exeter's capital and surplus accounts, which have been historically reported 
under U.S. GAAP, as an adjustment to MetLife USA's gross paid-in and            
contributed surplus in a manner similar to a quasi-reorganization for all       
periods presented. This permitted practice had the effect of decreasing gross   
paid-in and contributed surplus and increasing unassigned funds for MetLife USA 
by $4.4 billion for the year ended December 31, 2013 with no net effect on      
overall capital and surplus.                                                    

 The tables below present amounts from MetLife USA, which are derived from the
most recent statutory-basis financial statements as filed with the Delaware     
Department of Insurance.                                                        

Statutory net income (loss) was as follows:                                 

                                                                [Download Table]

                                   Years Ended December 31,
                                   ------------------------
Company          State of Domicile  2014     2013    2012  
---------------- ----------------- ------   ------   ----  
                                     (In millions)         
                                                           
MetLife USA (1).     Delaware      $1,543   $3,358   $848  

--------                                                                        

(1)Statutory net income (loss) for the year ended December 31, 2012 is as filed 
with the Connecticut Insurance Department by MetLife Insurance Company of 
Connecticut and does not reflect the results of the Mergers.              

Statutory capital and surplus was as follows at:                            

                                                                [Download Table]

                 December 31,     
             ---------------------
Company         2014       2013   
------------ ---------- ----------
                 (In millions)    
                                  
MetLife USA. $    6,042 $    3,566

As of December 31, 2013, the Company's sole foreign insurance subsidiary,   
MAL, was regulated by authorities in the United Kingdom and was subject to      
minimum capital and solvency requirements before corrective action commences.   
The required capital and surplus was $165 million and the actual regulatory     
capital and surplus was $573 million in the most recent capital adequacy        
calculation for the jurisdiction as of December 31, 2013. MAL exceeded the      
minimum capital and solvency requirements for all other periods presented. See  
Note 4 for information on the disposal of MAL.                                  

Dividend Restrictions                                                           

Under Delaware State Insurance Law, MetLife USA is permitted, without prior 
insurance regulatory clearance, to pay a stockholder dividend as long as the    
amount of the dividend when aggregated with all other dividends in the          
preceding 12 months does not exceed the greater of: (i) 10% of its surplus to   
policyholders as of the end of the immediately preceding calendar year; or      
(ii) its net statutory gain from operations for the immediately preceding       
calendar year (excluding realized capital gains). MetLife USA will be permitted 
to pay a dividend in excess of the greater of such two amounts only if it files 
notice of the declaration of such a dividend and the amount thereof with the    
Delaware Commissioner of Insurance (the "Delaware Commissioner") and the        
Delaware                                                                        

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Notes to the Consolidated Financial Statements -- (Continued) 

13. Equity (continued)                                                          

Commissioner either approves the distribution of the dividend or does not       
disapprove the distribution within 30 days of its filing. In addition, any      
dividend that exceeds earned surplus (defined as "unassigned funds (surplus)")  
as of the immediately preceding calendar year requires insurance regulatory     
approval. Under Delaware State Insurance Law, the Delaware Commissioner has     
broad discretion in determining whether the financial condition of a stock life 
insurance company would support the payment of such dividends to its            
stockholders. During the year ended December 31, 2014, MetLife USA did not pay  
a dividend.                                                                     

The following dividends were paid prior to the Mergers:                     

.  During the year ended December 31, 2013, MetLife Insurance Company of      
Connecticut paid a dividend to MetLife, Inc. of $1.0 billion.           

.  During the year ended December 31, 2013, MLIIC paid a dividend to MetLife, 
Inc. of $129 million.                                                   

.  During the years ended December 31, 2014 and 2013, Exeter paid dividends to
MetLife, Inc. of $155 million and $132 million, respectively.           

Based on amounts at December 31, 2014, MetLife USA could pay a dividend to  
MetLife, Inc. in 2015 of $3.0 billion without prior approval of the Delaware    
Commissioner.                                                                   

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Notes to the Consolidated Financial Statements -- (Continued) 

13. Equity (continued)                                                          

Accumulated Other Comprehensive Income (Loss)                                   

Information regarding changes in the balances of each component of AOCI, net
of income tax, was as follows:                                                  

                                                        [Enlarge/Download Table]

                                                         Unrealized                                                   
                                                      Investment Gains      Unrealized     Foreign Currency           
                                                      (Losses), Net of   Gains (Losses) on   Translation              
                                                     Related Offsets (1)    Derivatives      Adjustments      Total   
                                                     ------------------- ----------------- ---------------- ----------
                                                                                   (In millions)                      
                                                                                                                      
Balance at January 1, 2012..........................          $    1,815         $     156       $    (116) $    1,855
OCI before reclassifications........................               1,035                 6              101      1,142
Deferred income tax benefit (expense)...............               (380)               (1)                2      (379)
                                                     ------------------- ----------------- ---------------- ----------
  OCI before reclassifications, net of income tax...               2,470               161             (13)      2,618
Amounts reclassified from AOCI......................                (94)               (3)               --       (97)
Deferred income tax benefit (expense)...............                  34                 1               --         35
                                                     ------------------- ----------------- ---------------- ----------
  Amounts reclassified from AOCI, net of income tax.                (60)               (2)               --       (62)
                                                     ------------------- ----------------- ---------------- ----------
Balance at December 31, 2012........................               2,410               159             (13)      2,556
OCI before reclassifications........................             (2,163)             (195)               54    (2,304)
Deferred income tax benefit (expense)...............                 714                68              (2)        780
                                                     ------------------- ----------------- ---------------- ----------
  OCI before reclassifications, net of income tax...                 961                32               39      1,032
Amounts reclassified from AOCI......................                (69)              (11)               --       (80)
Deferred income tax benefit (expense)...............                  24                 4               --         28
                                                     ------------------- ----------------- ---------------- ----------
  Amounts reclassified from AOCI, net of income tax.                (45)               (7)               --       (52)
                                                     ------------------- ----------------- ---------------- ----------
Balance at December 31, 2013........................                 916                25               39        980
OCI before reclassifications........................               2,301               242             (56)      2,487
Deferred income tax benefit (expense)...............               (707)              (85)                4      (788)
                                                     ------------------- ----------------- ---------------- ----------
  OCI before reclassifications, net of income tax...               2,510               182             (13)      2,679
Amounts reclassified from AOCI......................                (28)                 2               --       (26)
Deferred income tax benefit (expense)...............                   8               (1)               --          7
                                                     ------------------- ----------------- ---------------- ----------
  Amounts reclassified from AOCI, net of income tax.                (20)                 1               --       (19)
                                                     ------------------- ----------------- ---------------- ----------
Sale of subsidiary (2)..............................               (320)                --                6      (314)
Deferred income tax benefit (expense)...............                  80                --               --         80
                                                     ------------------- ----------------- ---------------- ----------
  Sale of subsidiary, net of income tax.............               (240)                --                6      (234)
                                                     ------------------- ----------------- ---------------- ----------
Balance at December 31, 2014........................          $    2,250         $     183       $      (7) $    2,426
                                                     =================== ================= ================ ==========

--------                                                                        

(1)See Note 8 for information on offsets to investments related to future       
policy benefits, DAC, VOBA and DSI.                                       

(2)See Note 4.                                                                  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

13. Equity (continued)                                                          

 Information regarding amounts reclassified out of each component of AOCI, was
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                                             Consolidated Statement of Operations and
AOCI Components                               Amounts Reclassified from AOCI  Comprehensive Income (Loss) Locations  
-------------------------------------------   -----------------------------  ----------------------------------------
                                                Years Ended December 31,                                             
                                              -----------------------------                                          
                                                2014       2013      2012                                            
                                              ---------  --------- ---------                                         
                                                      (In millions)                                                  
                                                                                                                     
Net unrealized investment gains (losses):                                                                            
  Net unrealized investment                                                                                          
   gains(losses)............................. $      13  $      50 $      99      Net investment gains (losses)      
  Net unrealized investment gains                                                                                    
   (losses)..................................        11         17         7      Net investment income              
  Net unrealized investment gains                                                                                    
   (losses)..................................         4          2      (12)      Net derivative gains (losses)      
                                              ---------  --------- ---------                                         
    Net unrealized investment gains                                                                                  
     (losses), before income tax.............        28         69        94                                         
    Income tax (expense) benefit.............       (8)       (24)      (34)                                         
                                              ---------  --------- ---------                                         
     Net unrealized investment gains                                                                                 
      (losses), net of income tax............ $      20  $      45 $      60                                         
                                              =========  ========= =========                                         
Unrealized gains (losses) on derivatives -                                                                           
 cash flow hedges:                                                                                                   
  Interest rate swaps........................ $       1  $      -- $      --      Net derivative gains (losses)      
  Interest rate swaps........................         1          1        --      Net investment income              
  Interest rate forwards.....................         1          9         1      Net derivative gains (losses)      
  Interest rate forwards.....................         1          1         1      Net investment income              
  Foreign currency swaps.....................       (6)         --         1      Net derivative gains (losses)      
                                              ---------  --------- ---------                                         
    Gains (losses) on cash flow hedges,                                                                              
     before income tax.......................       (2)         11         3                                         
    Income tax (expense) benefit.............         1        (4)       (1)                                         
                                              ---------  --------- ---------                                         
     Gains (losses) on cash flow                                                                                     
      hedges, net of income tax.............. $     (1)  $       7 $       2                                         
                                              =========  ========= =========                                         
       Total reclassifications, net of                                                                               
        income tax........................... $      19  $      52 $      62                                         
                                              =========  ========= =========                                         

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

14.  Other Expenses                                                             

Information on other expenses was as follows:                               

                                                        [Enlarge/Download Table]

                                                             Years Ended December 31, 
                                                            --------------------------
                                                              2014     2013     2012  
                                                            -------- -------- --------
                                                                  (In millions)       
                                                                                      
Compensation............................................... $    320 $    358 $    410
Commissions................................................      492      700    1,007
Volume-related costs.......................................      170      165      196
Affiliated interest costs on ceded and assumed reinsurance.      325      212      271
Capitalization of DAC......................................    (279)    (512)    (908)
Amortization of DAC and VOBA...............................      990      205      734
Interest expense on debt...................................      109      195      317
Premium taxes, licenses and fees...........................       53       59       64
Professional services......................................       58       42       26
Rent and related expenses..................................       41       31       38
Other......................................................      475      482      481
                                                            -------- -------- --------
 Total other expenses...................................... $  2,754 $  1,937 $  2,636
                                                            ======== ======== ========

Capitalization of DAC and Amortization of DAC and VOBA                          

See Note 6 for additional information on DAC and VOBA including impacts of  
capitalization and amortization.                                                

Interest Expense on Debt                                                        

Interest expense on debt includes interest expense on debt (see Note 12) and
interest expense related to CSEs (see Note 8).                                  

Affiliated Expenses                                                             

Commissions, capitalization of DAC and amortization of DAC and VOBA include 
the impact of affiliated reinsurance transactions. See Notes 7, 12 and 17 for a 
discussion of affiliated expenses included in the table above.                  

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

15. Income Tax                                                                  

The provision for income tax from continuing operations was as follows:     

                                                                [Download Table]

                                                     Years Ended December 31,  
                                                   ----------------------------
                                                     2014     2013      2012   
                                                   -------- --------- ---------
                                                          (In millions)        
                                                                               
Current:                                                                       
 Federal.......................................... $  (364) $   (271) $   (590)
 Foreign..........................................        6         8      (10)
                                                   -------- --------- ---------
   Subtotal.......................................    (358)     (263)     (600)
                                                   -------- --------- ---------
Deferred:                                                                      
 Federal..........................................      355       682     (232)
 Foreign..........................................      (2)        18        19
                                                   -------- --------- ---------
   Subtotal.......................................      353       700     (213)
                                                   -------- --------- ---------
     Provision for income tax expense (benefit)... $    (5) $     437 $   (813)
                                                   ======== ========= =========

The Company's income (loss) from continuing operations before income tax    
expense (benefit) from domestic and foreign operations were as follows:         

                                                        [Enlarge/Download Table]

                                                           Years Ended December 31,                              
                                                         --------------------------------------------------------
                                                           2014               2013               2012            
                                                         --------           --------          ----------         
                                                                (In millions)                                    
                                                                                                                 
Income (loss) from continuing operations:                                                                        
 Domestic............................................... $  (174)           $  1,724          $    (531)         
 Foreign................................................      464              (146)             (1,341)         
                                                         --------           --------          ----------         
   Total................................................ $    290           $  1,578          $  (1,872)         
                                                         ========           ========          ==========         
  The reconciliation of the income tax provision at the U.S. statutory rate to the provision for income tax as   
reported for continuing operations was as follows:                                                               
                                                           Years Ended December 31,                              
                                                         --------------------------------------------------------
                                                           2014               2013               2012            
                                                         --------           --------          ----------         
                                                                (In millions)                                    
Tax provision at U.S. statutory rate.................... $    102           $    551          $    (654)         
Tax effect of:                                                                                                   
 Dividend received deduction............................    (114)               (93)                (81)         
 Tax-exempt income......................................       --                 --                 (1)         
 Prior year tax.........................................     (20)                (6)                   6         
 Tax credits............................................     (14)               (11)                 (9)         
 Foreign tax rate differential..........................       --                (2)                  13         
 Change in valuation allowance..........................       --                 --                  22         
 Goodwill impairment....................................       12                 13               (109)         
 Sale of subsidiary.....................................       24               (24)                  --         
 Other, net.............................................        5                  9                  --         
                                                         --------           --------          ----------         
   Provision for income tax expense (benefit)........... $    (5)           $    437          $    (813)         
                                                         ========           ========          ==========         

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

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:                                

                                                        [Enlarge/Download Table]

                                                             December 31,            
                                                  -----------------------------------
                                                         2014              2013      
                                                  ------------------ ----------------
                                                             (In millions)           
                                                                                     
Deferred income tax assets:                                                          
 Policyholder liabilities and receivables........ $            1,836 $          1,872
 Net operating loss carryforwards................                 --               89
 Investments, including derivatives..............                 --              179
 Tax credit carryforwards........................                149              130
 Other...........................................                 40                9
                                                  ------------------ ----------------
   Total deferred income tax assets..............              2,025            2,279
                                                  ------------------ ----------------
Deferred income tax liabilities:                                                     
 Investments, including derivatives..............                372               --
 Intangibles.....................................                519              531
 Net unrealized investment gains.................              1,296              591
 DAC.............................................              1,176            1,310
 Other...........................................                 --               98
                                                  ------------------ ----------------
   Total deferred income tax liabilities.........              3,363            2,530
                                                  ------------------ ----------------
     Net deferred income tax asset (liability)... $          (1,338) $          (251)
                                                  ================== ================

The following table sets forth the general business credits, foreign tax  
credits, and other tax credit carryforwards for tax purposes at December 31,  
2014.                                                                         

                                                                [Download Table]

                           Tax Credit Carryforwards                
            -------------------------------------------------------
            General Business Credits Foreign Tax Credits   Other   
            ------------------------ ------------------- ----------
                                 (In millions)                     
                                                                   
Expiration                                                         
2015-2019..                       --                  --         --
2020-2024..                       --                  32         --
2025-2029..                       --                  --         --
2030-2034..                        6                  --         --
Indefinite.                       --                  --        101
            ------------------------ ------------------- ----------
                            $      6           $      32 $      101
            ======================== =================== ==========

  Pursuant to Internal Revenue Service ("IRS") rules, the Company was excluded
from MetLife, Inc.'s life/non-life consolidated federal tax return for the    
five years subsequent to MetLife, Inc.'s July 2005 acquisition of the Company.
In 2011, MetLife Insurance Company of Connecticut and its subsidiaries joined 
the consolidated return and became a party to the MetLife Inc. tax sharing    
agreement. Prior to 2011, MetLife Insurance Company of Connecticut filed a    
consolidated tax return with its includable subsidiaries. Non-includable      
subsidiaries filed either separate individual corporate tax returns or        
separate consolidated tax returns.                                            

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

15. Income Tax (continued)                                                      

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  
to (from) affiliates included ($537) million, ($400) million and ($406)       
million for the years ended December 31, 2014, 2013 and 2012, respectively.   

The Company files income tax returns with the U.S. federal government and 
various state and local jurisdictions, as well as foreign jurisdictions. The  
Company is under continuous examination by the 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 2003 through 2006 where the  
IRS disallowance relates predominantly to tax policyholder liability          
deductions and the Company continues to protest.                              

During June 2014, the IRS concluded its audit of the Company's tax returns
for the years 2003 through 2006 and issued a Revenue Agent's report. The      
Company agreed with certain tax adjustments and filed a protest in July 2014  
for other tax adjustments. Management believes it has established adequate tax
liabilities and final resolution of the audit for the years 2003 through 2006 
is not expected to have a material impact on the Company's financial          
statements.                                                                   

The Company's liability for unrecognized tax benefits may increase or     
decrease in the next 12 months. A reasonable estimate of the increase or      
decrease cannot be made at this time. However, the Company continues to       
believe that the ultimate resolution of the pending issues will not result in 
a material change to its consolidated financial statements, although the      
resolution of income tax matters could impact the Company's effective tax rate
for a particular future period.                                               

A reconciliation of the beginning and ending amount of unrecognized tax   
benefits was as follows:                                                      

                                                        [Enlarge/Download Table]

                                                                          Years Ended December 31,
                                                                          ------------------------
                                                                           2014    2013     2012  
                                                                          ------- ------- --------
                                                                               (In millions)      
                                                                                                  
Balance at January 1,.................................................... $    26 $   (1) $     29
Additions for tax positions of prior years...............................      15      28       46
Reductions for tax positions of prior years..............................     (5)     (1)     (76)
Additions for tax positions of current year..............................       2       1        9
Reductions for tax positions of current year.............................      --     (1)      (9)
                                                                          ------- ------- --------
Balance at December 31,.................................................. $    38 $    26 $    (1)
                                                                          ======= ======= ========
Unrecognized tax benefits that, if recognized would impact the effective                          
  rate................................................................... $    28 $    26 $    (1)
                                                                          ======= ======= ========

  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.                                               

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

15. Income Tax (continued)                                                      

Interest was as follows:                                                    

                                                        [Enlarge/Download Table]

                                                                  Years Ended December 31,
                                                                  ----------------------- 
                                                                   2014     2013    2012  
                                                                  -------  ------ --------
                                                                       (In millions)      
                                                                                          
Interest recognized in the consolidated statements of operations. $    --  $    2 $    (9)

                                                                            December 31,  
                                                                           ---------------
                                                                            2014    2013  
                                                                           ------ --------
                                                                            (In millions) 
Interest included in other liabilities in the consolidated balance sheets. $    2 $      2

  The Company had no penalties for the years ended December 31, 2014, 2013 and
2012.                                                                         

 The U.S. Treasury Department and the IRS have indicated that they intend to
address through regulations the methodology to be followed in determining the 
dividends received deduction ("DRD"), related to variable life insurance and  
annuity contracts. The DRD reduces the amount of dividend income subject to   
tax and is a significant component of the difference between the actual tax   
expense and expected amount determined using the federal statutory tax rate of
35%. Any regulations that the IRS ultimately proposes for issuance in this    
area will be subject to public notice and comment, at which time insurance    
companies and other interested parties will have the opportunity to raise     
legal and practical questions about the content, scope and application of such
regulations. As a result, the ultimate timing and substance of any such       
regulations are unknown at this time. For the years ended December 31, 2014   
and 2013, the Company recognized an income tax benefit of $135 million and    
$106 million, respectively, related to the separate account DRD. The 2014     
benefit included a benefit of $21 million related to a true-up of the 2013 tax
return. The 2013 benefit included a benefit of $13 million related to a       
true-up of the 2012 tax return.                                               

16. Contingencies, Commitments and Guarantees                                   

Contingencies                                                                   

Litigation                                                                    

  The Company is a defendant in a number of litigation matters. In some of the
matters, large and/or indeterminate amounts, including punitive and treble    
damages, are sought. Modern pleading practice in the U.S. permits considerable
variation in the assertion of monetary damages or other relief. Jurisdictions 
may permit claimants not to specify the monetary damages sought or may permit 
claimants to state only that the amount sought is sufficient to invoke the    
jurisdiction of the trial court. In addition, jurisdictions may permit        
plaintiffs to allege monetary damages in amounts well exceeding reasonably    
possible verdicts in the jurisdiction for similar matters. This variability in
pleadings, together with the actual experience of the Company in litigating or
resolving through settlement numerous claims over an extended period of time, 
demonstrates to management that the monetary relief which may be specified in 
a lawsuit or claim bears little relevance to its merits or disposition value. 

Due to the vagaries of litigation, the outcome of a litigation matter and 
the amount or range of potential loss at particular points in time may        
normally be difficult to ascertain. Uncertainties can include how fact finders

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

will evaluate documentary evidence and the credibility and effectiveness of   
witness testimony, and how trial and appellate courts will apply the law in   
the context of the pleadings or evidence presented, whether by motion         
practice, or at trial or on appeal. Disposition valuations are also subject to
the uncertainty of how opposing parties and their counsel will themselves view
the relevant evidence and applicable law.                                     

The Company establishes liabilities for litigation and regulatory loss    
contingencies when it is probable that a loss has been incurred and the amount
of the loss can be reasonably estimated. It is possible that some matters     
could require the Company to pay damages or make other expenditures or        
 establish accruals in amounts that could not be estimated at December 31, 2014.

Matters as to Which an Estimate Can Be Made                                 

For some loss contingency matters, the Company is able to estimate a      
reasonably possible range of loss. For such matters where a loss is believed  
to be reasonably possible, but not probable, no accrual has been made. As of  
December 31, 2014, the aggregate range of reasonably possible losses in excess
of amounts accrued for these matters was not material for the Company.        

Matters as to Which an Estimate Cannot Be Made                              

For other matters, the Company is not currently able to estimate the      
reasonably possible loss or range of loss. The Company is often unable to     
estimate the possible loss or range of loss until developments in such matters
have provided sufficient information to support an assessment of the range of 
possible loss, such as quantification of a damage demand from plaintiffs,     
discovery from other parties and investigation of factual allegations, rulings
by the court on motions or appeals, analysis by experts, and the progress of  
settlement negotiations. On a quarterly and annual basis, the Company reviews 
relevant information with respect to litigation contingencies and updates its 
accruals, disclosures and estimates of reasonably possible losses or ranges of
loss based on such reviews.                                                   

Unclaimed Property Litigation                                               

On December 28, 2012, the West Virginia Treasurer filed an action (West   
Virginia ex rel. John D. Perdue v. MetLife Insurance Company of Connecticut,  
Circuit Court of Putnam County), alleging that the Company violated the West  
Virginia Uniform Unclaimed Property Act, seeking to compel compliance with the
Act, and seeking payment of unclaimed property, interest, and penalties. On   
November 14, 2012, the Treasurer filed a substantially identical suit against 
MLI-USA. On December 30, 2013, the court granted defendants' motions to       
dismiss all of the West Virginia Treasurer's actions. The Treasurer has       
appealed the dismissal order.                                                 

Sales Practices Claims                                                      

Over the past several years, the Company has faced claims and regulatory  
inquiries and investigations, alleging improper marketing or sales of         
individual life insurance policies, annuities, mutual funds or other products.
The Company continues to defend vigorously against the claims in these        
matters. The Company believes adequate provision has been made in its         
consolidated financial statements for all probable and reasonably estimable   
losses for sales practices matters.                                           

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Summary                                                                     

 Various litigation, claims and assessments against the Company, in addition
to those discussed previously and those otherwise provided for in the         
Company's consolidated financial statements, have arisen in the course of the 
Company's business, including, but not limited to, in connection with its     
activities as an insurer, employer, investor, investment advisor and taxpayer.
Further, state insurance regulatory authorities and other federal and state   
authorities regularly make inquiries and conduct investigations concerning the
Company's compliance with applicable insurance and other laws and regulations.

It is not possible to predict the ultimate outcome of all pending         
investigations and legal proceedings. In some of the matters referred to      
previously, large and/or indeterminate amounts, including punitive and treble 
damages, are sought. Although, in light of these considerations it is possible
that an adverse outcome in certain cases could have a material effect upon the
Company's financial position, based on information currently known by the     
Company's management, in its opinion, the outcomes of such pending            
investigations and legal proceedings are not likely to have such an effect.   
However, given the large and/or indeterminate amounts sought in certain of    
these matters and the inherent unpredictability of litigation, it is possible 
that an adverse outcome in certain matters could, from time to time, have a   
material effect on the Company's consolidated net income or cash flows in     
particular quarterly or annual periods.                                       

Insolvency Assessments                                                        

Most of the jurisdictions in which the Company is admitted to transact    
business require insurers doing business within the jurisdiction to           
participate in guaranty associations, which are organized to pay contractual  
benefits owed pursuant to insurance policies issued by impaired, insolvent or 
failed insurers. These associations levy assessments, up to prescribed limits,
on all member insurers in a particular state on the basis of the proportionate
share of the premiums written by member insurers in the lines of business in  
which the impaired, insolvent or failed insurer engaged. Some states permit   
member insurers to recover assessments paid through full or partial premium   
tax offsets.                                                                  

Assets and liabilities held for insolvency assessments were as follows:   

                                                                [Download Table]

                                                                December 31,  
                                                               ---------------
                                                                2014    2013  
                                                               ------- -------
                                                                (In millions) 
                                                                              
Other Assets:                                                                 
 Premium tax offset for future undiscounted assessments....... $    13 $    11
 Premium tax offsets currently available for paid assessments.      13      10
 Receivable for reimbursement of paid assessments (1).........      --       5
                                                               ------- -------
                                                               $    26 $    26
                                                               ======= =======
Other Liabilities:                                                            
 Insolvency assessments....................................... $    18 $    20
                                                               ======= =======

--------                                                                        

(1)The Company holds a receivable from the seller of a prior acquisition in     
accordance with the purchase agreement.                                   

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

Commitments                                                                     

Mortgage Loan Commitments                                                   

The Company commits to lend funds under mortgage loan commitments. The  
amounts of these mortgage loan commitments were $36 million and $153 million
at December 31, 2014 and 2013, respectively.                                

Commitments to Fund Partnership Investments and Private Corporate Bond      
Investments                                                                 

   The Company commits to fund partnership investments and to lend funds under
 private corporate bond investments. The amounts of these unfunded commitments
were $918 million and $1.0 billion at December 31, 2014 and 2013,           
respectively.                                                               

Other Commitments                                                           

   The Company has entered into collateral arrangements with affiliates, which
require the transfer of collateral in connection with secured demand notes. 
At December 31, 2014 and 2013, the Company had agreed to fund up to $32     
million and $61 million, respectively, of cash upon the request by these    
affiliates and had transferred collateral consisting of various securities  
with a fair market value of $57 million and $74 million, respectively, to   
custody accounts to secure the demand notes. Each of these affiliates is    
permitted by contract to sell or re-pledge this collateral.                 

Guarantees                                                                      

In the normal course of its business, the Company has provided certain      
indemnities, guarantees and commitments to third parties such that it may be    
required to make payments now or in the future. In the context of acquisition,  
disposition, investment and other transactions, the Company has provided        
indemnities and guarantees, including those related to tax, environmental and   
other specific liabilities and other indemnities and guarantees that are        
triggered by, among other things, breaches of representations, warranties or    
covenants provided by the Company. In addition, in the normal course of         
business, the Company provides indemnifications to counterparties in contracts  
with triggers similar to the foregoing, as well as for certain other            
liabilities, such as third-party lawsuits. These obligations are often subject  
to time limitations that vary in duration, including contractual limitations    
and those that arise by operation of law, such as applicable statutes of        
limitation. The maximum potential obligation under the indemnities and          
guarantees is subject to a contractual limitation, ranging from $36 million to  
$233 million, with a cumulative maximum of $269 million, in the case of MetLife 
International Insurance Company, Ltd. ("MLII"), a former affiliate, discussed   
below. In other cases such limitations are not specified or applicable. Since   
certain of these obligations are not subject to limitations, the Company does   
not believe that it is possible to determine the maximum potential amount that  
could become due under these guarantees in the future. Management believes that 
it is unlikely the Company will have to make any material payments under these  
indemnities, guarantees, or commitments.                                        

The Company has provided a guarantee on behalf of MLII that is triggered if 
MLII cannot pay claims because of insolvency, liquidation or rehabilitation.    
Life insurance coverage in-force, representing the maximum potential obligation 
under this guarantee, was $233 million at both December 31, 2014 and 2013. The  
Company does not hold any collateral related to this guarantee, but has a       
recorded liability of $1 million that was based on the total                    

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Notes to the Consolidated Financial Statements -- (Continued) 

16. Contingencies, Commitments and Guarantees (continued)                       

account value of the guaranteed policies plus the amounts retained per policy   
at both December 31, 2014 and 2013. The remainder of the risk was ceded to      
external reinsurers.                                                            

In addition, the Company indemnifies its directors and officers as provided 
in its charters and by-laws. Also, the Company indemnifies its agents for       
liabilities incurred as a result of their representation of the Company's       
interests. Since these indemnities are generally not subject to limitation with 
respect to duration or amount, the Company does not believe that it is possible 
to determine the maximum potential amount that could become due under these     
indemnities in the future.                                                      

17. Related Party Transactions                                                  

Service Agreements                                                              

The Company has entered into various agreements with affiliates for services
necessary to conduct its activities. Typical services provided under these      
agreements include management, policy administrative functions, personnel,      
investment advice and distribution services. For certain agreements, charges    
are based on various performance measures or activity-based costing. The bases  
for such charges are modified and adjusted by management when necessary or      
appropriate to reflect fairly and equitably the actual incidence of cost        
incurred by the Company and/or affiliate. Expenses and fees incurred with       
affiliates related to these agreements, recorded in other expenses, were $1.6   
billion, $1.7 billion and $1.8 billion for the years ended December 31, 2014,   
2013 and 2012, respectively. Revenues received from affiliates related to these 
agreements, recorded in universal life and investment-type product policy fees, 
were $266 million, $247 million and $213 million for the years ended            
December 31, 2014, 2013 and 2012, respectively. Revenues received from          
affiliates related to these agreements, recorded in other revenues, were $202   
million, $211 million and $190 million for the years ended December 31, 2014,   
2013 and 2012, respectively.                                                    

 The Company had net receivables (payables) from/to affiliates, related to the
items discussed above, of $26 million and ($206) million at December 31, 2014   
and 2013, respectively.                                                         

See Notes 7, 8, 9 and 12 for additional information on related party        
transactions.                                                                   

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule I  
Consolidated Summary of Investments --  
Other Than Investments in Related Parties 
December 31, 2014 

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                     Amount at Which Shown on
                                     Cost or Amortized Cost (1) Estimated Fair Value      Balance Sheet      
Types of Investments                 -------------------------- -------------------- ------------------------
                                                                                                             
Fixed maturity securities:                                                                                   
 Bonds:                                                                                                      
   U.S. Treasury and agency                                                                                  
     securities.....................            $        14,147     $    15,826                 $      15,826
   Public utilities.................                      3,100           3,490                         3,490
   State and political subdivision                                                                           
     securities.....................                      2,180           2,592                         2,592
   Foreign government securities....                        607             741                           741
   All other corporate bonds........                     16,967          18,267                        18,267
                                     -------------------------- -------------------- ------------------------
     Total bonds....................                     37,001          40,916                        40,916
 Mortgage-backed and asset-backed                                                                            
   securities.......................                      9,041           9,322                         9,322
 Redeemable preferred stock.........                        381             459                           459
                                     -------------------------- -------------------- ------------------------
       Total fixed maturity                                                                                  
         securities.................                     46,423          50,697                        50,697
                                     -------------------------- -------------------- ------------------------
Equity securities:                                                                                           
Common stock:                                                                                                
 Industrial, miscellaneous and all                                                                           
   other............................                        176             233                           233
 Non-redeemable preferred stock.....                        224             226                           226
                                     -------------------------- -------------------- ------------------------
     Total equity securities........                        400             459                           459
                                     -------------------------- -------------------- ------------------------
Mortgage loans......................                      5,839                                         5,839
Policy loans........................                      1,194                                         1,194
Real estate and real estate joint                                                                            
  ventures..........................                        894                                           894
Other limited partnership interests.                      2,234                                         2,234
Short-term investments..............                      1,232                                         1,232
Other invested assets...............                      4,531                                         4,531
                                     --------------------------                      ------------------------
        Total investments...........            $        62,747                                 $      67,080
                                     ==========================                      ========================

--------                                                                        

(1)Cost or amortized cost for fixed maturity securities and mortgage loans      
represents original cost reduced by repayments, valuation allowances and  
 impairments from other-than-temporary declines in estimated fair value that
are charged to earnings and adjusted for amortization of premiums or      
  accretion of discounts; for equity securities, cost represents original cost
 reduced by impairments from other-than-temporary declines in estimated fair
  value; for real estate, cost represents original cost reduced by impairments
and adjusted for valuation allowances 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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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule III  
Consolidated Supplementary Insurance Information  
December 31, 2014, 2013 and 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                      Future Policy                                                  
                             DAC    Benefits and Other                                               
                             and      Policy-Related     Policyholder       Unearned       Unearned  
Segment                      VOBA        Balances      Account Balances Premiums (1), (2) Revenue (1)
-------------------------- -------- ------------------ ---------------- ----------------- -----------
                                                                                                     
2014                                                                                                 
Retail.................... $  4,824          $  14,184        $  28,790             $   9        $203
Corporate Benefit Funding.        5             10,849            6,695                --           1
Corporate & Other.........       61              6,766                1                 5          --
                           -------- ------------------ ---------------- ----------------- -----------
 Total.................... $  4,890          $  31,799        $  35,486             $  14        $204
                           ======== ================== ================ ================= ===========
2013                                                                                                 
Retail.................... $  5,659          $  13,156        $  27,864             $   9        $286
Corporate Benefit Funding.        6             14,270            8,357                --           2
Corporate & Other.........       26              7,307            1,168                 4          --
                           -------- ------------------ ---------------- ----------------- -----------
 Total.................... $  5,691          $  34,733        $  37,389             $  13        $288
                           ======== ================== ================ ================= ===========
2012                                                                                                 
Retail.................... $  4,796          $  11,909        $  32,640             $   9        $277
Corporate Benefit Funding.        8             15,078            9,093                --           2
Corporate & Other.........       --              7,235            2,647                 4          --
                           -------- ------------------ ---------------- ----------------- -----------
 Total.................... $  4,804          $  34,222        $  44,380             $  13        $279
                           ======== ================== ================ ================= ===========

--------                                                                        

(1)Amounts are included within the future policy benefits and other             
policy-related balances column.                                           

(2)Includes premiums received in advance.                                       

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule III  
Consolidated Supplementary Insurance Information -- (Continued) 
December 31, 2014, 2013 and 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                                       Policyholder Benefits                                
                      Premiums and                        and Claims and     Amortization of                
                   Universal Life and                    Interest Credited    DAC and VOBA                  
                     Investment-Type   Net Investment     to Policyholder      Charged to    Other Operating
Segment            Product Policy Fees     Income        Account Balances    Other Expenses   Expenses (1)  
------------------ ------------------- --------------  --------------------- --------------- ---------------
                                                                                                            
2014                                                                                                        
Retail............          $    4,094       $  1,947           $      3,168       $     966       $   1,506
Corporate Benefit                                                                                           
  Funding.........                   9            908                    603               2              39
Corporate & Other.                 242           (186)                    55              22             219
                   ------------------- --------------  --------------------- --------------- ---------------
 Total............          $    4,345       $  2,669           $      3,826       $     990       $   1,764
                   =================== ==============  ===================== =============== ===============
2013                                                                                                        
Retail............          $    3,385       $  1,906           $      3,444       $     199       $   1,457
Corporate Benefit                                                                                           
  Funding.........                 219          1,139                    858               5              34
Corporate & Other.                 215            (46)                    13               1             241
                   ------------------- --------------  --------------------- --------------- ---------------
 Total............          $    3,819       $  2,999           $      4,315       $     205       $   1,732
                   =================== ==============  ===================== =============== ===============
2012                                                                                                        
Retail............          $    3,361       $  1,725           $      3,120       $     721       $   1,507
Corporate Benefit                                                                                           
  Funding.........                 658          1,146                  1,322              10              36
Corporate & Other.               1,210            189                  1,160               3             359
                   ------------------- --------------  --------------------- --------------- ---------------
 Total............          $    5,229       $  3,060           $      5,602       $     734       $   1,902
                   =================== ==============  ===================== =============== ===============

--------                                                                        

(1)Includes other expenses, excluding amortization of DAC and VOBA charged to   
other expenses.                                                           

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MetLife Insurance Company USA 
(A Wholly-Owned Subsidiary of MetLife, Inc.)  

Schedule IV 
Consolidated Reinsurance  
December 31, 2014, 2013 and 2012  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                               % Amount   
                               Gross Amount   Ceded     Assumed  Net Amount Assumed to Net
                               ------------ ---------- --------- ---------- --------------
                                                                                          
2014                                                                                      
Life insurance in-force.......   $  489,194 $  450,342 $  52,728  $  91,580          57.6%
                               ============ ========== ========= ==========               
Insurance premium                                                                         
Life insurance (1)............   $    1,995 $      943 $      94  $   1,146           8.2%
Accident and health insurance.          231        225        --          6             --
                               ------------ ---------- --------- ----------               
 Total insurance premium......   $    2,226 $    1,168 $      94  $   1,152           8.2%
                               ============ ========== ========= ==========               
2013                                                                                      
Life insurance in-force.......   $  467,458 $  428,842 $  10,931  $  49,547          22.1%
                               ============ ========== ========= ==========               
Insurance premium                                                                         
Life insurance (1)............   $    1,356 $      746 $      73  $     683          10.6%
Accident and health insurance.          234        228        --          6             --
                               ------------ ---------- --------- ----------               
 Total insurance premium......   $    1,590 $      974 $      73  $     689          10.6%
                               ============ ========== ========= ==========               
2012                                                                                      
Life insurance in-force.......   $  429,738 $  389,156 $  11,387  $  51,969          21.9%
                               ============ ========== ========= ==========               
Insurance premium                                                                         
Life insurance (1)............   $    1,827 $      581 $     962  $   2,208          43.5%
Accident and health insurance.          248        241        --          7             --
                               ------------ ---------- --------- ----------               
 Total insurance premium......   $    2,075 $      822 $     962  $   2,215          43.5%
                               ============ ========== ========= ==========               

--------                                                                        

(1)Includes annuities.                                                          

For the year ended December 31, 2014, reinsurance ceded and assumed included
affiliated transactions for life insurance in-force of $292.0 billion and $50.2 
billion, respectively, and life insurance premiums of $830 million and $55      
million, respectively. For the year ended December 31, 2013, reinsurance ceded  
and assumed included affiliated transactions for life insurance in-force of     
$270.0 billion and $10.0 billion, respectively, and life insurance premiums of  
$638 million and $28 million, respectively. For the year ended December 31,     
2012, reinsurance ceded and assumed included affiliated transactions for life   
insurance in-force of $237.3 billion and $10.6 billion, respectively, and life  
insurance premiums of $477 million and $912 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 Sub-Accounts   
of the Separate Account are included in Part B hereof and include:              

1. Report of Independent Registered Public Accounting Firm        

2. Statements of Assets and Liabilities as of December 31, 2014   

3. Statements of Operations for the year ended December 31, 2014  

     4. Statements of Changes in Net Assets for the years ended December 31,
2014 and 2013                                               

5. Notes to the Financial Statements                              

The consolidated financial statements and financial statement schedules of      
MetLife Insurance Company USA 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, 2014 and 2013   

3. Consolidated Statements of Operations for the years ended      
December 31, 2014, 2013 and 2012                            

     4. Consolidated Statements of Comprehensive Income (Loss) for the years
ended December 31, 2014, 2013 and 2012                      

    5. Consolidated Statements of Stockholder's Equity for the years ended
December 31, 2014, 2013 and 2012                            

6. Consolidated Statements of Cash Flows for the years ended      
December 31, 2014, 2013 and 2012                            

7. Notes to the Consolidated Financial Statements                 

8. Financial Statement Schedules                                  

b.        Exhibits                                                              

1.   (i)  Certification of Restated Resolutions of the Board of Directors of    
         MetLife Investors USA Insurance Company authorizing the establishment
of the Separate Account (adopted May 18, 2004) (4)          

 (ii)  Resolution of Board of Directors of MetLife Investors USA Insurance
         Company (including Agreement and Plan of Merger attached as Exhibit B
to the resolutions) (adopted August 13, 2014) (3)           

   (iii) Resolutions of the Board of Directors of MetLife Insurance Company of
  Connecticut authorizing the acceptance of the Separate Account
(adopted September 17, 2014) (3)                            

2.        Not Applicable.                                                       

3.  (i)(a)Distribution and Principal Underwriting Agreement between MetLife     
       Insurance Company of Connecticut and MetLife Investors Distribution
Company (effective November 24, 2009) (2)                   

(i)(b)Amendment to the Distribution and Principal Underwriting Agreement
between MetLife Insurance Company of Connecticut and MetLife
  Investors Distribution Company (effective August 18, 2014) (3)

(iii) Form of Enterprise Selling Agreement 09-12 (MetLife Investors     
Distribution Company Sales Agreement) (17)                  

4.  (i)   Form 226R1 Contract (3)                                               

(ii)  Form 226R1 Certificate and Riders (3)                             

(iii) Contract Loan Endorsement (3)                                     

(iv)  Loan Endorsement (3)                                              

(v)   Individual Retirement Annuity Endorsement (3)                     

(vi)  403(b) Nationwide Tax Sheltered Annuity Endorsement (MLIU-398-3   
(12/08)) (13)                                               

 (vii) MetLife Insurance Company USA 457(B) Plan Endorsement (Governmental
and Tax-Exempt). (MLIU-457-2 (5/11) (16)                    

(viii)Endorsement (Name Change -- effective March 1, 2001) (MetLife     
 Investors USA Insurance Company, formerly Security First Life
Insurance Company) MI -- 2023 (6)                           

 (ix)  Merger Endorsement (effective November 14, 2014) (MetLife Investors
    USA Insurance Company merged into MetLife Insurance Company USA)
6-E118-14 (3)                                               

5.        Form of Enrollment Form (3)                                           

6.   (i)  Copy of Certificate of Incorporation of the Company and Certificate   
of Amendment (effective November 14, 2014) (3)              

(ii)  Copy of the Bylaws of the Company (3)                             

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                                                        [Enlarge/Download Table]
                                                                                                                                 
7.           Not Applicable.                                                                                                    

8.   (i)           Participation Agreement among The Alger Portfolios, MetLife Insurance Company USA and Fred Alger &           
                   Company, Inc. effective November 17, 2014 (3)                                                                

    (ii) (a)       Participation Agreement Among The Travelers Insurance Company, The Travelers Life and Annuity Company,       
                   American Funds Insurance Series, American Funds Distributors, Inc. and Capital Research and Management       
                   Company effective October 1, 1999 and amendments to the Participation Agreement (respectively effective May  
                   1, 2001, December 31, 2002, April 14, 2003, October 20, 2005 and April 28, 2008.) (7)                        

         (b)       Amendment dated April 30, 2010 (8)                                                                           

         (c)       Amendment effective November 17, 2014 (3)                                                                    

   (iii) (a)       Participation Agreement Among The Travelers Insurance Company, The Travelers Life and Annuity Company,       
                   Travelers Distribution LLC, Scudder Variable Series I, Scudder Distributors, Inc. and Deutsche Asset         
                   Management effective June 5, 2003 and Amendments to the Participation Agreement (respectively effective      
                   August 1, 2003, December 12, 2003, May 3, 2004 and April 15, 2005.) (12)                                     

         (b)       Amendment dated April 30, 2010 (14)                                                                          

         (c)       Amendment effective November 17, 2014 (3)                                                                    

    (iv) (a)       Amended and Restated Participation Agreement among The Travelers Insurance Company, Fidelity Distributors    
                   Corporation, VIP Fund, VIP Fund II and VIP Fund III effective May 1, 2001 and amendments to the Amended      
                   and Restated Participation Agreement (respectively effective May 1, 2003, December 8, 2004, October 1, 2005, 
                   June 18, 2007 and April 28, 2008.) (7)                                                                       

         (b)       Summary Prospectus Agreement (8)                                                                             

         (c)       Amendments effective November 17, 2014 (3)                                                                   

     (v) (a)       Participation Agreement among Met Investors Series Trust, Met Investors Advisory, LLC, MetLife Investors     
                   Distribution Company, The Travelers Insurance Company and The Travelers Life and Annuity Company             
                   effective November 1, 2005. (14)                                                                             

         (b)       First Amendment dated May 1, 2009 (10)                                                                       

         (c)       Amendment dated April 30, 2010. (10)                                                                         

         (d)       Amendment effective November 17, 2014 (3)                                                                    

    (vi)     Participation Agreement among Metropolitan Series Fund, Inc., MetLife Advisers, LLC, MetLife Investors Distribution
             Company and MetLife Insurance Company of Connecticut dated August 31, 2007 (9)                                     

         (a)       Amendment dated April 30, 2010. (10)                                                                         

   (vii)     T. Rowe Price Participation Agreement (3)                                                                          

9.        Opinion of Counsel (3)                                                

10.       Consent of Independent Registered Public Accounting Firm (Deloitte &  
Touche LLP) (11)                                            

11.       Not Applicable                                                        

12.       Not Applicable                                                        

13.       Powers of Attorney (11)                                               

(1)All previously filed Exhibits to MetLife Investors USA Separate Account A    
Registration Statement and all Post-Effective Amendments thereto are      
specifically incorporated herein by reference.                            

(2)Incorporated herein by reference to MetLife of CT Separate Account Eleven    
  for Variable Annuities Post-Effective Amendment No. 1 to Form N-4 (File Nos.
333-152199 and 811-21262) electronically filed on April 8, 2009.          

(3)Incorporated herein by reference to this Registration Statement on Form N-4  
(File Nos 333-200240/811-03365) electronically filed on November 17, 2014.

(4)Incorporated herein by reference to Registrant's Post-Effective Amendment    
No. 6 to Form N-4 (File Nos. 333-54464 and 811-03365) electronically filed
on July 15, 2004.                                                         

(5)[RESERVED]                                                                   

(6)Incorporated herein by reference to Registrant's Post-Effective Amendment    
No. 1 to Form N-4 (File Nos. 333-54464 and 811-03365) electronically filed
on April 13, 2001.                                                        

(7)Incorporated herein by reference to MetLife of CT Separate Account Eleven    
for Variable Annuities Post-Effective Amendment No. 19 to Form N-4 (File  
Nos. 333-101778 and 811-21262) electronically filed on April 7, 2009.     

(8)Incorporated herein by reference to MetLife of CT Separate Account Eleven    
  for Variable Annuities Post-Effective Amendment No. 3 to Form N-4 (File Nos.
333-152194 and 811-21262) electronically filed on April 5, 2011.          

(9)Incorporated herein by reference to MetLife of CT Separate Account Nine for  
Variable Annuities Post-Effective Amendment No. 11 to Form N-4 (File Nos. 
333-65926 and 811-09411) electronically filed on October 31, 2007.        

(10)Incorporated herein by reference to MetLife of CT Separate Account Eleven   
for Variable Annuities Post-Effective Amendment No. 4 to Form N-4 (File 
Nos. 333-152189 and 811-21262) electronically filed on April 4, 2012.   

(11)Filed herewith.                                                             

(12)Incorporated herein by reference to MetLife of CT Separate Account Eleven   
for Variable Annuities Post-Effective Amendment No. 21 to Form N-4 (File
Nos. 333-101778 and 811-21262) electronically filed on April 5, 2011.   

(13)Incorporated herein by reference to Registrant's Post-Effective Amendment   
   No. 8 to Form N-4 (File Nos. 333-137968 and 811-03365) electronically filed
on April 21, 2011.                                                      

(14)Incorporated herein by reference to The Travelers Fund ABD for Variable     
  Annuities Post-Effective Amendment No. 14 to Form N-4 (File Nos. 033-65343
and 811-07465) electronically filed on April 6, 2006.                   

(15)[RESERVED]                                                                  

(16)Incorporated herein by reference to Registrant's Post-Effective Amendment   
   No. 23 to Form N-4 (File Nos. 033-37128 and 811-03365) electronically filed
on April 13, 2012.                                                      

(17)Incorporated herein by reference to Registrant's Post-Effective Amendment   
No. 12 to Form N-4 (File Nos. 333-176374 and 811-03365) electronically  
filed on April 10, 2013.                                                

(18)Filed with Post-Effective Amendment No. 25 to this Registration Statement   
   on April 11, 2014. Powers of Attorney for Kumar Das Gupta and Dina Rosalind
Lumerman.                                                               

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ITEM 25.  DIRECTORS AND OFFICERS OF THE DEPOSITOR                               

The following are the Officers and Directors who are engaged directly or        
indirectly in activities relating to the Registrant or the variable annuity     
contracts offered by the Registrant and the executive officers of the Company:  

                                                                [Download Table]

NAME AND PRINCIPAL BUSINESS ADDRESS  POSITIONS AND OFFICES WITH DEPOSITOR      
-----------------------------------  ------------------------------------      
                                                                               
 Eric T. Steigerwalt                 Director, Chairman of the Board, President
 Gragg Building                      and Chief Executive Officer               
 11225 North Community House Road                                              
 Charlotte, NC 28277                                                           

 Elizabeth M. Forget                 Director and Senior Vice President        
 Gragg Building                                                                
 11225 North Community House Road                                              
 Charlotte, NC 28277                                                           

 Gene L. Lunman                      Director and Senior Vice President        
 Gragg Building                                                                
 11225 North Community House Road                                              
 Charlotte, NC 28277                                                           

 Peter M. Carlson                    Executive Vice President and Chief        
 1095 Avenue of the Americas         Accounting Officer                        
 New York, NY 10036                                                            

 Steven J. Goulart                   Executive Vice President and Chief        
 10 Park Avenue                      Investment Officer                        
 Morristown, NJ 07962                                                          

 Ricardo A. Anzaldua                 Executive Vice President and General      
 1095 Avenue of the Americas         Counsel                                   
 New York, NY 10036                                                            

 Robin F. Lenna                      Executive Vice President                  
 200 Park Avenue                                                               
 12/th/ Floor                                                                  
 New York, NY 10166                                                            

 Anant Bhalla                        Senior Vice President and Chief Financial 
 Gragg Building                      Officer                                   
 11225 North Community House Road                                              
 Charlotte, NC 28277                                                           

 Marlene B. Debel                    Senior Vice President and Treasurer       
 1095 Avenue of the Americas                                                   
 New York, NY 10036                                                            

 Roberto Baron                       Senior Vice President                     
 1095 Avenue of the Americas                                                   
 New York, NY 10036                                                            

 Steven J. Brash                     Senior Vice President                     
 227 Park Avenue                                                               
 46th Floor                                                                    
 New York, NY 10172                                                            

 Adam M. Hodes                       Senior Vice President                     
 1095 Avenue of the Americas                                                   
 New York, NY 10036                                                            

 Jason P. Manske                     Senior Vice President and Chief Hedging   
 10 Park Avenue                      Officer                                   
 Morristown,. NJ -7962                                                         

 Jean P. Vernor                      Senior Vice President                     
 1095 Avenue of the Americas                                                   
 New York, NY 10036                                                            

 Stewart M. Ashkenazy                Vice President, Senior Actuary and        
 1095 Avenue of the Americas         Illustration Actuary                      
 New York, NY 10036                                                            

 S. Peter Headley                    Vice President and Assistant Secretary    
 10801 Mastin Boulevard                                                        
 Suite 930                                                                     
 Overland Parks, KS 66210                                                      

 Andrew Kaniuk                       Vice President and Senior Actuary         
 501 Route 22                                                                  
 Bridgewater, NJ 08807                                                         

 Christopher A. Kremer               Vice President and Actuary                
 1 MetLife Plaza                                                               
 27-01 Queens Plaza North                                                      
 Long Island City, NY 11101                                                    

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NAME AND PRINCIPAL BUSINESS ADDRESS  POSITIONS AND OFFICES WITH DEPOSITOR   
-----------------------------------  ------------------------------------   
                                                                            
 Lisa S. Kuklinski                   Vice President and Senior Actuary      
 1095 Avenue of the Americas                                                
 New York, NY 10036                                                         

 Enid M. Reichert                    Vice President and Actuary             
 501 Route 22                                                               
 Bridgewater, NJ 08807                                                      

 Ruth Y. Sayasith                    Vice President and Appointed Actuary   
 501 Route 22                                                               
 Bridgewater, NJ 08807                                                      

 Christopher Siudzinski              Vice President and Actuary             
 1095 Avenue of the Americas                                                
 New York, NY 10036                                                         

 Wendy Lee Williams                  Vice President and Illustration Actuary
 Woodward Building                                                          
 11215 North Community House Road                                           
 Charlotte, NC 28277                                                        

 Marian J. Zeldin                    Vice President and Actuary             
 501 Route 22                                                               
 Bridgewater, NJ 08807                                                      

 Scott E. Andrews                    Vice President                         
 4700 Westown Pkwy.                                                         
 Suite 200                                                                  
 West Des Moines, IA 50266                                                  

 Andrew T. Aoyama                    Vice President                         
 200 Park Avenue                                                            
 12/th/ Floor                                                               
 New York, NY 10166                                                         

 Grant Barrans                       Vice President                         
 600 North King Street                                                      
 Wilmington, DE 19801                                                       

 Henry W. Blaylock                   Vice President                         
 200 Park Avenue                                                            
 12/th/ Floor                                                               
 New York, NY 10166                                                         

 Timothy J. Brown                    Vice President                         
 501 Route 22                                                               
 Bridgewater, NJ 08807                                                      

 Mark J. Davis                       Vice President                         
 501 Route 22                                                               
 Bridgewater, NJ 08807                                                      

 Lynn A. Dumais                      Vice President                         
 18210 Crane Nest Drive                                                     
 Tampa, FL 33647                                                            

 Kevin G. Finneran                   Vice President                         
 Woodward Building                                                          
 11215 North Community House Road                                           
 Charlotte, NC 28277                                                        

 Geoffrey A. Fradkin                 Vice President                         
 501 Route 22                                                               
 Bridgewater, NJ 08807                                                      

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NAME AND PRINCIPAL BUSINESS ADDRESS  POSITIONS AND OFFICES WITH DEPOSITOR
-----------------------------------  ------------------------------------
                                                                         
 Judith A. Gulotta                             Vice President            
 10 Park Avenue                                                          
 Morristown, NJ 07962                                                    

 Jeffrey P. Halperin                           Vice President            
 Gragg Building                                                          
 11225 North Community House Road                                        
 Charlotte, NC 29277                                                     

 Regynald Heurtelou                            Vice President            
 334 Madison Avenue                                                      
 Morristown, NJ 07960                                                    

 Gregory E. Illson                             Vice President            
 Gragg Building                                                          
 11225 North Community House Road                                        
 Charlotte, NC 29277                                                     

 John J. Iwanicki                              Vice President            
 18210 Crane Nest Drive                                                  
 Tampa, FL 33647                                                         

 Karen A. Johnson                              Vice President            
 One Financial Center                                                    
 Boston, MA 02111                                                        

 Derrick L. Kelson                             Vice President            
 1200 Abernathy Road                                                     
 Suite 1400                                                              
 Atlanta, GA 30328                                                       

 James W. Koeger                               Vice President            
 13045 Tesson Ferry Road                                                 
 St. Louis, MO 63128                                                     

 Cynthia A. Mallet Kosakowski                  Vice President            
 One Financial Center                                                    
 21st Floor                                                              
 Boston, MA 02111                                                        

 John P. Kyne, III                             Vice President            
 Gragg Building                                                          
 11225 North Community House Road                                        
 Charlotte, NC 29277                                                     

 Timothy J. McLinden                           Vice President            
 277 Park Avenue                                                         
 46th Floor                                                              
 New York, NY 10172                                                      

 James J. Reilly                               Vice President            
 One Financial Center                                                    
 21st Floor                                                              
 Boston, MA 02111                                                        

 Mark S. Reilly                                Vice President            
 1300 Hall Boulevard                                                     
 Bloomfield, CT 06002                                                    

 Thomas J. Schuster                            Vice President            
 200 Park Avenue                                                         
 12th Floor                                                              
 New York, NY 10166                                                      

 Steven G. Sorrentino                          Vice President            
 501 Route 22                                                            
 Bridgewater, NJ 08807                                                   

 Robert L. Staffier, Jr.                       Vice President            
 1 MetLife Plaza                                                         
 27-01 Queens Plaza North                                                
 Long Island City, NY 11101                                              

 Barbara Stros                                 Vice President            
 Woodward Building                                                       
 11215 North Community House Road                                        
 Charlotte, NC 28277                                                     

 Nan D. Tecotzky                               Vice President            
 200 Park Avenue                                                         
 12th Floor                                                              
 New York, NY 10166                                                      

 Mark H. Wilsmann                              Vice President            
 10 Park Avenue                                                          
 Morristown, NJ 07962                                                    

 Jacob M. Jenkelowitz                          Secretary                 
 1095 Avenue of the Americas                                             
 New York, NY 10036                                                      

ITEM 26.  PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR   
THE REGISTRANT                                              

The Registrant is a separate account of MetLife Insurance Company USA under     
Delaware insurance law. MetLife Insurance Company USA is a wholly-owned         
subsidiary of MetLife, Inc., a publicly traded company. No person is controlled 
by the Registrant. The following outline indicates those entities that are      
controlled by MetLife, Inc. or are under the common control of MetLife, Inc.    

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ORGANIZATIONAL STRUCTURE OF METLIFE, INC. AND SUBSIDIARIES
AS OF December 31, 2014 

The following is a list of subsidiaries of MetLife, Inc. updated as of          
December 31, 2014. Those entities which are listed at the left margin (labeled  
with capital letters) are direct subsidiaries of MetLife, Inc. Unless otherwise 
indicated, each entity which is indented under another entity is a subsidiary   
of that other entity and, therefore, an indirect subsidiary of MetLife, Inc.    
Certain inactive subsidiaries have been omitted from the MetLife, Inc.          
organizational listing. The voting securities (excluding directors' qualifying  
shares, if any) of the subsidiaries listed are 100% owned by their respective   
parent corporations, unless otherwise indicated. The jurisdiction of domicile   
of each subsidiary listed is set forth in the parenthetical following such      
subsidiary.                                                                     

A.    MetLife Group, Inc. (NY)                                                  

B.    MetLife Home Loans LLC (DE)                                               

C.    New England Securities Corporation (MA)                                   

D.    Metropolitan Tower Life Insurance Company (DE)                            

1.    EntreCap Real Estate II LLC (DE)                              

a)    PREFCO Dix-Huit LLC (CT)                          

b)    PREFCO X Holdings LLC (CT)                        

   c)    PREFCO Ten Limited Partnership (CT) - a 99.9% limited
                  partnership interest of PREFCO Ten Limited Partnership is held
   by EntreCap Real Estate II LLC and 0.1% general
 partnership is held by PREFCO X Holdings LLC.

d)    PREFCO Vingt LLC (CT)                             

    e)    PREFCO Twenty Limited Partnership (CT) - a 99% limited
                partnership interest of PREFCO Twenty Limited Partnership is
      held by EntreCap Real Estate II LLC and 1% general
partnership is held by PREFCO Vingt LLC.    

2.     Plaza Drive Properties, LLC (DE)                               

3.     MTL Leasing, LLC (DE)                                          

a)    PREFCO IX Realty LLC (CT)                         

b)    PREFCO XIV Holdings LLC (CT)                      

         c)    PREFCO Fourteen Limited Partnership (CT) -  a 99.9% limited
               partnership interest of PREFCO Fourteen Limited Partnership
               is held by MTL Leasing, LLC and 0.1% general partnership is
held by PREFCO XIV Holdings LLC.            

d)    1320 Venture LLC (DE)                             

                i)  1320 Owner LP (DE) - a 99.9% limited partnership of 1320
                 Owner LP is held by 1320 Venture LLC and 0.1% general
partnership is held by 1320 GP LLC. 

e)    1320 GP LLC (DE)                                  

E.    MetLife Chile Inversiones Limitada (Chile) - 70.4345328853% of MetLife    
   Chile Inversiones Limitada is owned by MetLife, Inc., 26.6071557459% by
American Life Insurance Company ("ALICO"), 2.9583113284% is owned by
 Inversiones MetLife Holdco Dos Limitada and 0.0000000404% is owned by
Natilportem Holdings, Inc.                                          

  1.    MetLife Chile Seguros de Vida S.A. (Chile) - 99.9969% of MetLife
       Chile Seguros de Vida S.A. is held by MetLife Chile Inversiones
    Limitada and 0.0031% by International Technical and Advisory
Services Limited ("ITAS").                              

      a)    MetLife Chile Administradora de Mutuos Hipotecarios S.A.
              (Chile) - 99.99% of MetLife Chile Administradora de Mutuos
               Hipotecarios S.A.  is held by MetLife Chile Seguros de Vida
                 S.A. and 0.01% is held by MetLife Chile Inversiones Limitada.

2.    Legal Chile S.A. (Chile) - 51% of Legal Chile S.A. is owned by
        MetLife Chile Inversiones Limitada and the remaining interest is
owned by a third party.                                 

        a)    Legagroup S.A. (Chile) - 99% of Legagroup S.A. is owned by
             Legal Chile S.A. and the remaining interest is owned by a
third party.                                

3.    Inversiones MetLife Holdco Tres Limitada (Chile) - 99.9% of   
          Inversiones MetLife Holdco Tres Limitada is owned by MetLife Chile
     Inversiones Limitada and 0.1% is owned by Inversiones MetLife
Holdco Dos Limitada.                                    

         a)    MetLife Chile Acquisition Co. S.A. (Chile) - 45% of MetLife
              Chile Acquisition Co. S.A. is owned by Inversiones MetLife
            Holdco Dos Limitada, 45% is owned by Inversiones MetLife
          Holdco Tres Limitada and 10% is owned by MetLife Chile
Inversiones Limitada.                       

             i)    Inversiones Previsionales S.A. (Chile) - 99.999% of
                        Inversiones Previsionales S.A. is owned by MetLife Chile
                       Acquisition Co. S.A. and 0.001% is owned by Inversiones
MetLife Holdco Tres Limitada.   

                      aa)   AFP Provida S.A. (Chile) - 51.62% of AFP Provida
                            S.A. is owned by Inversiones Previsionales S.A.,
                           21.97% is owned indirectly (by means of ADR) by
                         MetLife Chile Acquisition Co. S.A., 17.79% is
                           owned directly by MetLife Chile Acquisition Co.
                             S.A. and the remainder is owned by third parties.

                             1)    Provida Internacional S.A. (Chile) - 99.99%
                                 of Provida Internacional S.A. is owned by
                                 AFP Provida S.A. and 0.01% by Inversiones
          Previsionales S.A.

                                    ii)   AFP Genesis Administradora de Fondos y
                                         Fidecomisos S.A. (Ecuador) - 99.9997%
                                    of AFP Genesis Administradora de
                                         Fondos y Fidecomisos S.A. is owned by
                                          Provida Internacional S.A. and 0.0003%
                                         is owned by Inversiones Previsionales
        S.A.

 4.    MetLife Chile Seguros Generales S.A. (Chile) - 99.9% of MetLife
           Chile Seguros Generales, S.A. is owned by MetLife Chile Inversiones
    Limitada and 0.1% is owned by Inversiones MetLife Holdco Dos
Limitada.                                               

F.    MetLife Securities, Inc. (DE)                                             

G.    Enterprise General Insurance Agency, Inc. (DE)                            

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H.    Metropolitan Property and Casualty Insurance Company (RI)                 

1.    Metropolitan General Insurance Company (RI)                   

2.    Metropolitan Casualty Insurance Company (RI)                  

  3.    Metropolitan Direct Property and Casualty Insurance Company (RI)

4.    MetLife Auto & Home Insurance Agency, Inc. (RI)               

 5.    Metropolitan Group Property and Casualty Insurance Company (RI)

6.    Metropolitan Lloyds, Inc. (TX)                                

  a)    Metropolitan Lloyds Insurance Company of Texas (TX)-
                 Metropolitan Lloyds Insurance Company of Texas, an affiliated
           association, provides automobile, homeowner and related
           insurance for the Texas market. It is an association of
                individuals designated as underwriters. Metropolitan Lloyds,
            Inc., a subsidiary of Metropolitan Property and Casualty
                 Insurance Company, serves as the attorney-in-fact and manages
the association.                            

7.    Economy Fire & Casualty Company (IL)                          

a)    Economy Preferred Insurance Company (IL)          

b)    Economy Premier Assurance Company (IL)            

I.    First MetLife Investors Insurance Company (NY)                            

J.    Newbury Insurance Company, Limited (DE)                                   

K.    MetLife Investors Group, LLC (DE)                                         

1.    MetLife Investors Distribution Company (MO)                   

2.    MetLife Advisers, LLC (MA)                                    

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L.    MetLife International Holdings, Inc. (DE)                                 

1.    MetLife Mexico Cares, S.A. de C.V. (Mexico)                   

a)    Fundacion MetLife Mexico, A.C. (Mexico)           

2.    Natiloportem Holdings, Inc. (DE)                              

       a)    Excelencia Operativa y Tecnologica, S.A. de C.V. (Mexico)

             i)   MLA Comercial, S.A. de C.V. (Mexico) 99% is owned by
                     Excelencia Operativa y Tecnologica, S.A. de C.V. and 1%
            is owned by MetLife Mexico Cares, S.A. de C.V.

             ii)  MLA Servicios, S.A. de C.V. (Mexico) 99% is owned by
                     Excelencia Operativa y Tecnologica, S.A. de C.V. and 1%
            is owned by MetLife Mexico Cares, S.A. de C.V.

   3.    PNB MetLife India Insurance Company Limited (India)- 26% is owned
         by MetLife International Holdings, Inc. and 74% is owned by third
parties.                                                

4.    Metropolitan Life Insurance Company of Hong Kong Limited (Hong
         Kong)- 99.99935% is owned by MetLife International Holdings, Inc.
and 0.00065% is owned by Natiloporterm Holdings, Inc.   

5.    MetLife Seguros S.A. (Argentina)- 79.3196% is owned by MetLife
      International Holdings, Inc., 2.6753% is owned by Natiloportem
Holdings, Inc., 16.2046% by ALICO and 1.8005% by ITAS.  

6.    Metropolitan Life Seguros e Previdencia Privada S.A. (Brazil)-
 66.662% is owned by MetLife International Holdings, Inc.,
33.337% is owned by MetLife Worldwide Holdings, Inc. and
0.001% is owned by Natiloportem Holdings, Inc.          

7.    MetLife Global, Inc. (DE)                                     

     8.    MetLife Administradora de Fundos Multipatrocinados Ltda. (Brazil) -
       99.99998% of MetLife Administradora de Fundos Multipatrocinados
           Ltda. is owned by MetLife International Holdings, Inc. and 0.00002%
by Natiloportem Holdings, Inc.                          

   9.    MetLife Seguros de Retiro S.A. (Argentina) - 95.5883% is owned by
 MetLife International Holdings, Inc., 3.1102% is owned by
          Natiloportem Holdings, Inc., 1.3014% by ALICO and 0.0001% by ITAS.

10.   Best Market S.A. (Argentina) - 5% of the shares are held by   
Natiloportem Holdings, Inc. and 95% is owned by MetLife 
International Holdings Inc.                             

  11.   Compania Inversora MetLife S.A. (Argentina) - 95.46% is owned by
  MetLife International Holdings, Inc. and 4.54% is owned by
Natiloportem Holdings, Inc.                             

          a)    MetLife Servicios S.A. (Argentina) - 18.87% of the shares of
         MetLife Servicios S.A. are held by Compania Inversora
                MetLife S.A., 79.88% is owned by MetLife Seguros S.A., 0.99%
               is held by Natiloportem Holdings, Inc. and 0.26% is held by
MetLife Seguros de Retiro S.A.              

12.   MetLife Worldwide Holdings, Inc. (DE)                         

a)    MetLife Direct Co., LTD. (Japan)                  

b)    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

13.   MetLife International Limited, LLC (DE)                       

   14.   MetLife Planos Odontologicos Ltda. (Brazil) - 99.999% is owned by
   MetLife International Holdings, Inc. and 0.001% is owned by
Natiloportem Holdings, Inc.                             

15.   MetLife Ireland Holdings One Limited (Ireland)                

a)    MetLife Global Holdings Corporation S.A. de C.V.  
                 (Mexico/Ireland) - 98.9% is owned by MetLife Ireland Holdings
          One Limited and 1.1% is owned by MetLife International
Limited, LLC.                               

    i)    MetLife Ireland Treasury Limited (Ireland)

                   aa)   MetLife General Insurance Limited (Australia)

                       bb)   MetLife Insurance Limited (Australia) - 91.16468%
                             of MetLife Insurance Limited (Australia) is owned
                            by MetLife Ireland Treasury Limited and 8.83532%
                             is owned by MetLife Global Holdings Corp. S.A. de
C.V.                

                    1)    The Direct Call Centre PTY Limited
   (Australia)

                             2)    MetLife Investments PTY Limited (Australia)

                                    aa)   MetLife Insurance and Investment Trust
                                       (Australia) - MetLife Insurance and
                                        Investment Trust is a trust vehicle,
                                   the trustee of which is MetLife
                                          Investments PTY Limited ("MIPL"). MIPL
                                   is a wholly owned subsidiary of
                              MetLife Insurance Limited.

                  ii)   Metropolitan Global Management, LLC (DE/Ireland) - 99.7%
                       is owned by MetLife Global Holdings Corporation S.A. de
               C.V. and 0.3% is owned by MetLife International
Holdings, Inc.                  

                      aa)   MetLife Pensiones Mexico S.A. (Mexico)- 97.4738%
                           is owned by Metropolitan Global Management, LLC
                         and 2.5262% is owned by MetLife International
Holdings, Inc.      

                       bb)   MetLife Mexico Servicios, S.A. de C.V. (Mexico) -
                           98% is owned by Metropolitan Global Management,
                        LLC and 2% is owned by MetLife International
Holdings, Inc.      

                       cc)   MetLife Mexico S.A. (Mexico)- 99.050271% is owned
                      by Metropolitan Global Management, LLC and
                       0.949729% is owned by MetLife International
Holdings, Inc.      

                              1)    MetLife Afore, S.A. de C.V. (Mexico)- 99.99%
                                    is owned by MetLife Mexico S.A. and 0.01% is
                              owned by MetLife Pensiones Mexico S.A.

                                   aa)    Met1 SIEFORE, S.A. de C.V. (Mexico)-
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                   ab)    Met2 SIEFORE, S.A. de C.V. (Mexico)-
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                   ac)    MetA SIEFORE Adicional, S.A. de C.V.
                                          (Mexico)- 99.99% is owned by MetLife
                                      Afore, S.A. de C.V. and 0.01% is
                                  owned by MetLife Mexico S.A.

                                ad)    Met3 SIEFORE Basica, S.A. de C.V.
                                           (Mexico) - 99.99% is owned by MetLife
                                      Afore, S.A. de C.V. and 0.01% is
                                  owned by MetLife Mexico S.A.

                                    ae)    Met4 SIEFORE, S.A. de C.V. (Mexico) -
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                    af)    Met5 SIEFORE, S.A. de C.V. (Mexico) -
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                   2)    ML Capacitacion Comercial S.A. de
                              C.V.(Mexico) - 99% is owned by MetLife
                              Mexico S.A. and 1% is owned by MetLife
                  Mexico Cares, S.A. de C.V.

                  dd)   MetLife Saengmyoung Insurance Co. Ltd. (also
                       known as MetLife Insurance Company of Korea
                      Limited) (South Korea)- 14.64% is owned by
                       MetLife Mexico, S.A. and 85.36% is owned by
                Metropolitan Global Management, LLC.

ee)   GlobalMKT S.A. (Uruguay)  

16.   MetLife Asia Limited (Hong Kong)                              

 17.   AmMetLife Insurance Berhad (Malaysia) - 50.000001% of AmMetLife
         Insurance Berhad is owned by MetLife International Holdings, Inc.
and the remainder is owned by a third party.            

18.   AmMetLife Takaful Berhad (Malaysia) - 49.999999% of AmMetLife 
           Takaful Berhad is owned by MetLife International Holdings, Inc. and
the remainder is owned by a third party.                

19.   MAXIS GBN S.A.S. (France) - 50% of MAXIS GBN S.A.S. is held by
       MetLife International Holdings, Inc. and the remainder by third
parties.                                                

M.    Metropolitan Life Insurance Company ("MLIC") (NY)                         

1.    334 Madison Euro Investments, Inc. (DE)                       

2.    St. James Fleet Investments Two Limited (Cayman Islands)      

    a)    Park Twenty Three Investments Company (United Kingdom)

               i)    Convent Station Euro Investments Four Company (United
Kingdom)                        

                    aa)    OMI MLIC Investments Limited (Cayman Islands)

3.    CRB Co., Inc. (MA)                                            

4.    MLIC Asset Holdings II LLC (DE)                               

a)    El Conquistador MAH II LLC (DE)                   

         b)    Mansell Office LLC (DE) - 73.0284% of Mansell Office LLC is
                owned by MLIC Asset Holdings II LLC and 26.9716% is owned by
MLIC CB Holdings LLC.                       

         c)    Mansell Retail LLC (DE) - 73.0284% of Mansell Retail LLC is
                owned by MLIC Asset Holdings II LLC and 26.9716% is owned by
MLIC CB Holdings LLC.                       

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5.    CC Holdco Manager, LLC (DE)                                   

6.    Alternative Fuel I, LLC (DE)                                  

7.    Transmountain Land & Livestock Company (MT)                   

8.    MetPark Funding, Inc. (DE)                                    

9.    HPZ Assets LLC (DE)                                           

10.   Missouri Reinsurance, Inc. (Cayman Islands)                   

11.   Metropolitan Tower Realty Company, Inc. (DE)                  

a)    Midtown Heights, LLC (DE)                         

12.   ML New River Village III, LLC (DE)                            

13.   MetLife RC SF Member, LLC (DE)                                

14.   MetLife Private Equity Holdings, LLC (DE)                     

15.   23rd Street Investments, Inc. (DE)                            

      a)    MetLife Capital Credit L.P. (DE)- 1% General Partnership
             interest is held by 23rd Street Investments, Inc. and 99%
             Limited Partnership interest is held by Metropolitan Life
Insurance Company.                          

   b)    MetLife Capital, Limited Partnership (DE)- 1% General
                 Partnership interest is held by 23rd Street Investments, Inc.
                and 99% Limited Partnership interest is held by Metropolitan
Life Insurance Company.                     

          i)    Long Island Solar Farm, LLC ("LISF")(DE) - 9.61%
                 membership interest is held by MetLife Renewables
                      Holding, LLC and 90.39% membership interest is held by
                 LISF Solar Trust in which MetLife Capital Limited
         Partnership has 100% beneficial interest.

ii)   MetLife Canada Solar ULC (Canada)     

16.   Hyatt Legal Plans, Inc. (DE)                                  

a)    Hyatt Legal Plans of Florida, Inc. (FL)           

17.   MetLife Holdings, Inc. (DE)                                   

a)    MetLife Credit Corp. (DE)                         

b)    MetLife Funding, Inc. (DE)                        

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18.   MetLife Investments Asia Limited (Hong Kong)                  

19.   MetLife Investments Limited (United Kingdom)- 23rd Street     
         Investments, Inc. holds one share of MetLife Investments Limited.

      20.   MetLife Latin America Asesorias e Inversiones Limitada (Chile)- 23rd
     Street Investments, Inc. holds 0.01% of MetLife Latin America
Asesorias e Inversiones Limitada.                       

21.   New England Life Insurance Company (MA)                       

22.   General American Life Insurance Company (MO)                  

a)    GALIC Holdings LLC (DE)                           

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23.   Corporate Real Estate Holdings, LLC (DE)                      

   24.   Ten Park SPC (Cayman Islands) - 1% voting control of Ten Park SPC
is held by 23rd Street Investments, Inc.                

25.   MetLife Tower Resources Group, Inc. (DE)                      

26.   Headland-Pacific Palisades, LLC (CA)                          

    27.   Headland Properties Associates (CA) - 99% is owned by Metropolitan
  Life Insurance Company and 1% is owned by Headland-Pacific
Palisades, LLC.                                         

28.   WFP 1000 Holding Company GP, LLC (DE)                         

29.   White Oak Royalty Company (OK)                                

30.   500 Grant Street GP LLC (DE)                                  

   31.   500 Grant Street Associates Limited Partnership (CT) - 99% of 500
           Grant Street Associates Limited Partnership is held by Metropolitan
 Life Insurance Company and 1% by 500 Grant Street GP LLC.

     32.   MetLife Mall Ventures Limited Partnership (DE) - 99% LP interest of
            MetLife Mall Ventures Limited Partnership is owned by MLIC and 1% GP
    interest is owned by Metropolitan Tower Realty Company, Inc.

         a)   HMS Master Limited Partnership (DE) - 60% LP interest of HMS
              Master Limited Partnership is owned by MetLife Mall Ventures
            Limited Partnership. A 40% LP interest is owned by a third
           party. Metropolitan Tower Realty Company, Inc. is the GP.

i)   HMS Southpark Residential LLC (DE)       

33.   MetLife Retirement Services LLC (NJ)                          

a)   MetLife Associates LLC (DE)                        

34.   Euro CL Investments, LLC (DE)                                 

35.   MEX DF Properties, LLC (DE)                                   

   36.   MSV Irvine Property, LLC (DE) - 4% of MSV Irvine Property, LLC is
         owned by Metropolitan Tower Realty Company, Inc. and 96% is owned
by Metropolitan Life Insurance Company                  

37.   MetLife Properties Ventures, LLC (DE)                         

a)   Citypoint Holdings II Limited (United Kingdom)     

38.   Housing Fund Manager, LLC (DE)                                

       a)   MTC Fund I, LLC (DE) - 0.01% of MTC Fund I, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

         b)   MTC Fund II, LLC (DE) - 0.01% of MTC Fund II, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

           c)   MTC Fund III, LLC (DE) - 0.01% of MTC Fund III, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

39.   MLIC Asset Holdings LLC (DE)                                  

40.   85 Broad Street Mezzanine LLC (DE)                            

       a)   85 Broad Street LLC (DE) - 49.9% of 85 Broad Street LLC is
owned by a third party.                       

41.   The Building at 575 Fifth Avenue Mezzanine LLC (DE)           

a)   The Building at 575 Fifth LLC (DE)                 

42.   ML Bridgeside Apartments LLC (DE)                             

   43.   Para-Met Plaza Associates (FL)- 75% of the General Partnership is
          held by Metropolitan Life Insurance Company and 25% of the General
      Partnership is held by Metropolitan Tower Realty Company, Inc.

44.   MLIC CB Holdings LLC (DE)                                     

45.   Met II Office Mezzanine LLC, (FL) - 10.4167% of the membership
          interest is owned by Metropolitan Tower Life Insurance Company and
 89.5833% is owned by Metropolitan Life Insurance Company.

a)   Met II Office LLC (FL)                             

46.   The Worthington Series Trust (DE)                             

    47.   MetLife CC Member, LLC (DE) - 63.415% of MetLife CC Member, LLC is
       held by Metropolitan Life Insurance Company, 31.707% by MetLife
           Insurance Company USA and 4.878% by General American Life Insurance
Company.                                                

48.   Oconee Hotel Company, LLC (DE)                                

49.   Oconee Land Company, LLC (DE)                                 

a)  Oconee Land Development Company, LLC (DE)           

b)  Oconee Golf Company, LLC (DE)                       

c)  Oconee Marina Company, LLC (DE)                     

50.   1201 TAB Manager, LLC (DE)                                    

51.   MetLife 1201 TAB Member, LLC (DE) - 69.66% of MetLife 1201 TAB
           Member, LLC is owned by Metropolitan Life Insurance Company, 27.24%
       is owned by MetLife Insurance Company USA and 3.10% is owned by
Metropolitan Property and Casualty Insurance Company.   

          a)  1201 TAB Owner, LLC (DE) - 50% of 1201 TAB Owner, LLC is owned
               by Metlife 1201 TAB Member, LLC and the remainder is owned by a
            third party. Metlife 1201 TAB Manager, LLC is the manager of
1201 TAB Owner, LLC.                            

     52.   MetLife LHH Member, LLC (DE) - 69.23% of MetLife LHH Member, LLC is
        owned by Metropolitan Life Insurance Company, 19.78% is owned by
MetLife Insurance Company USA and 10.99% is owned by New
England Life Insurance Company.                         

53.   Ashton Southend GP, LLC (DE)                                  

    54.   Tremont Partners, LP (DE) - 99.9% LP interest of Tremont Partners,
      LP is owned by Metropolitan Life Insurance Company and 0.1% GP
interest is owned by Ashton Southend GP, LLC.           

55.   Riverway Residential, LP (DE) - 99.9% LP interest of Riverway 
           Residential, LP is owned by Metropolitan Life Insurance Company and
            0.1% GP interest is owned by Metropolitan Tower Realty Company, Inc.

56.   10420 McKinley Partners, LP (DE) - 99.9% LP interest of 10420 
     McKinley Partners, LP is owned by Metropolitan Life Insurance
          Company and 0.1% GP interest is owned by Metropolitan Tower Realty
Company, Inc.                                           

57.   Ardrey Kell Townhomes, LLC (DE)                               

58.   Boulevard Residential, LLC (DE)                               

59.   465 N. Park Drive, LLC (DE)                                   

60.   Ashton Judiciary Square, LLC (DE)                             

     61.   Sandpiper Cove Associates, LLC (DE) - 90.59% membership interest of
          Sandpiper Cove Associates, LLC is owned by MLIC and 9.41% is owned
by Metropolitan Tower Realty Company.                   

62.   1900 McKinney Properties, LP (DE) - 99.9% LP interest of 1900 
        McKinney Properties, LP is owned by MLIC and 0.1% GP interest is
owned by Metropolitan Tower Realty Company, Inc.        

63.   Marketplace Residences, LLC (DE)                              

64.   ML Swan Mezz, LLC (DE)                                        

a)    ML Swan GP, LLC (DE)                              

65.   ML Dolphin Mezz, LLC (DE)                                     

a)    ML Dolphin GP, LLC (DE)                           

66.   Haskell East Village, LLC (DE)                                

67.   MetLife Cabo Hilton Member, LLC (DE) - 54.129% of MetLife Cabo
           Hilton Member, LLC is owned by MLIC, 16.9% by General American Life
   Insurance Company, 28.971% by MetLife Insurance Company USA

68.   ML Terraces, LLC (DE)                                         

69.   Chestnut Flats Wind, LLC (DE)                                 

70.   MetLife 425 MKT Member, LLC (DE)                              

  a)   425 MKT, LLC (DE) - 52.5% of 425 MKT, LLC is owned by
           MetLife 425 MKT Member, LLC and 47.5% is owned by a third
       party. 425 MKT, LLC is the managing member of 425 MKT
REIT, LLC.                                    

             i)   425 MKT REIT, LLC (DE) - 99.9% of 425 MKT REIT, LLC is
                 owned by 425 MKT, LLC and the remaining 0.1% by third
parties.                            

71.   MetLife OFC Member, LLC (DE)                                  

        a)   OFC Boston, LLC (DE) - 52.5% of OFC Boston, LLC is owned by
              MetLife OFC Member, LLC and 47.5% is owned by a third party.

              i)   OFC REIT, LLC (DE) - 99.9% of OFC REIT, LLC is owned by
                    OFC Boston, LLC and the remaining 0.1% is owned by third
parties.                            

        1)   Dewey Square Tower Associates, LLC (MA)

   72.   MetLife THR Investor, LLC (DE) - 85% of MetLife THR Investor, LLC
           is owned by MLIC and 15% is owned by MetLife Insurance Company USA.

  73.   ML Southmore, LLC (DE) - 75.12% of ML Southmore, LLC is owned by
  MLIC and 24.88% is owned by MetLife Insurance Company USA.

74.   ML - AI MetLife Member 1, LLC (DE) - 83.675% of the membership
           interest is owned by MLIC, 10.563% by MetLife Insurance Company USA
           and 4.801% by Metropolitan Property and Casualty Insurance Company.

         a)   ML - AI Venture 1, LLC (DE) - 51% of ML-AI Venture 1, LLC is
            owned by ML-AI MetLife Member 1, LLC and 49% is owned by a
              third party. MetLife Investment Management, LLC is the asset
manager.                                      

i)   ML-AI 125 Wacker, LLC (DE)               

75.   MetLife CB W/A, LLC (DE)                                      

 76.   MetLife Camino Ramon Member, LLC (DE) - 78.6% of MetLife Camino
        Ramon Member, LLC is owned by MLIC and 21.4% is owned by MetLife
Insurance Company USA.                                  

77.   10700 Wilshire, LLC (DE)                                      

78.   Viridian Miracle Mile, LLC (DE)                               

  79.   MetLife 555 12th Member, LLC (DE) - MetLife 555 12th Member, LLC
         is owned at 69.4% by MLIC, 25.2% by MetLife Insurance Company USA
and 5.4% by GALIC.                                      

    a)   555 12th, LLC (DE) - 52.5% of 555 12th, LLC is owned by
           MetLife 555 12th Member, LLC and the remainder by a third
party.                                        

i)   555 12 REIT, LLC (DE)                    

80.   MetLife OBS Member, LLC (DE)                                  

     a)    OBS Boston, LLC (DE) - 52.5% of OBS Boston, LLC is owned by
          MetLife OBS Member, LLC and the remaining by third parties

              i)    OBS REIT, LLC (DE) - 99.98% of OBS REIT, LLC is owned by
                    OBS Boston, LLC and the remaining 0.02% by third parties

1)    OBS BOS Services, LLC (DE)    

81.   MetLife 1007 Stewart, LLC (DE)                                

82.   ML-AI MetLife Member 2, LLC (DE)                              

       a)   ML-AI Venture 2, LLC (DE) - 50% of ML-AI Venture 2, LLC is
                 owned by ML-AI MetLife Member 2, LLC and the remaining by third
parties.                                      

i)   ML-AI Normandale, LLC                    

      83.   655 West Broadway, LLC (DE) - 90% of 655 West Broadway, LLC is owned
  by MLIC and 10% by Metropolitan Tower Realty Company, Inc.

84.   MetLife FM Hotel Member, LLC (DE)                             

a)   LHCW Holdings (U.S.) LLC (DE)                      

i)   LHC Holdings (U.S.) LLC (DE)             

aa)   LHCW Hotel Holding LLC (DE)   

               1)   LHCW Hotel Holding (2002) LLC (DE)

                         2)   LHCW Hotel Operating Company (2002) LLC (DE)

85.   ML Mililani Member, LLC (DE)- is owned at 70% by MLIC, 25% by 
     MetLife Insurance Company USA and 5% by General American Life
Insurance Company.                                      

N.    MetLife Capital Trust IV (DE)                                             

O.    MetLife Insurance Company USA (DE)                                        

1.    MetLife Property Ventures Canada ULC (Canada)                 

2.    Metropolitan Connecticut Property Ventures, LLC (DE)          

3.    MetLife Canadian Property Ventures LLC (NY)                   

4.    Euro TI Investments LLC (DE)                                  

5.    Greenwich Street Investments, L.L.C. (DE)                     

  a)    Greenwich Street Capital Offshore Fund, Ltd. (Virgin
Islands)                                    

b)    Greenwich Street Investments, L.P. (DE)           

6.    One Financial Place Corporation (DE) - 100% is owned in the   
aggregate by MetLife Insurance Company USA.             

7.    MetLife USA Assignment Company (CT)                           

8.    TIC European Real Estate LP, LLC (DE)                         

9.    MetLife European Holdings, LLC (DE)                           

10.   Euro TL Investments LLC (DE)                                  

11.   Corrigan TLP LLC (DE)                                         

12.   TLA Holdings LLC (DE)                                         

a)    The Prospect Company (DE)                         

     13.   TRAL & Co. (CT) - TRAL & Co. is a general partnership. Its partners
         are MetLife Insurance Company USA and Metropolitan Life Insurance
Company.                                                

14.   MetLife Renewables Holding, LLC (DE)                          

a)    Greater Sandhill I, LLC (DE)                      

15.   TLA Holdings II LLC (DE)                                      

16.   TLA Holdings III LLC (DE)                                     

  17.   MetLife Greenstone Southeast Ventures, LLC (DE) - 95% of MetLife
       Greenstone Southeast Venture, LLC is owned by MetLife Insurance
          Company USA and 5% is owned by Metropolitan Connecticut Properties
Ventures, LLC.                                          

a)    MLGP Lakeside, LLC (DE)                           

     18.   Sino-US United MetLife Insurance Co., Ltd. (China) - Sino-US United
          MetLife Insurance Co., Ltd. is owned at 27.8% by MetLife Insurance
Company USA, 22.2% by MLIC and 50% by a third party.    

P.    MetLife Reinsurance Company of South Carolina (SC)                        

Q.    MetLife Investment Management, LLC (DE)                                   

1.   MetLife Alternatives GP, LLC (DE)                              

         a)   MetLife International PE Fund I, LP (Cayman Islands) - 92.593%
               of the Limited Partnership interests of this entity is owned by
               MetLife 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 MetLife Insurance Company of Hong
Kong Limited.                                   

          c)   MetLife International HF Partners, LP (Cayman Islands) - 87.77%
               of the Limited partnership interests of this entity is owned by
              MetLife Insurance K.K. and 9.54% is owned by MetLife Insurance
           Company of Korea Limited, 2.67% is owned by MetLife Limited
          (Hong Kong) and 0.02% is owned by MetLife Alternatives, GP

2.   MetLife Loan Asset Management LLC (DE)                         

3.   MetLife Core Property Fund GP, LLC (DE)                        

           a)   MetLife Core Property Fund, LP (DE) - MetLife Core Property Fund
                GP, LLC is the general partner of MetLife Core Property Fund, LP
               (the "Fund"). A substantial majority of the limited partnership
              interests in the Fund are held by third parties. The following
           affiliates hold a minority share of the limited partnership
               interests in the Fund: Metropolitan Life Insurance Company owns
            23.7%, General American Life Insurance Company owns 0.1% and
MetLife Insurance Company USA owns 0.2%.        

i)   MetLife Core Property REIT, LLC (DE)       

                  aa)   MetLife Core Property Holdings, LLC (DE) - MetLife
                     Core Property Holdings, LLC holds the following
                        single-property limited liability companies: MCP 7
                           Riverway, LLC; MCP SoCal Industrial-Redondo, LLC; MCP
                 SoCal Industrial-Springdale, LLC; MCP SoCal
          Industrial-Concourse, LLC; MCP SoCal
         Industrial-Kellwood, LLC; MCP SoCal
                           Industrial-Bernado, LLC; MCP SoCal Industrial-Canyon,
                       LLC; MCP SoCal Industrial-Anaheim, LLC; MCP SoCal
                          Industrial-LAX, LLC; MCP SoCal Industrial-Fullerton,
                       LLC; MCP SoCal Industrial-Ontario, LLC; MCP SoCal
                        Industrial-Loker, LLC; MCP Paragon Point, LLC; MCP
                       4600 South Syracuse, LLC; MCP The Palms at Doral,
                           LLC; MCP Waterford Atrium, LLC; MCP EnV Chicago, LLC;
                        MCP 100 Congress, LLC; MCP 1900 McKinney, LLC; MCP
                        550 West Washington, LLC; MCP Main Street Village,
                        LLC; MCP Lodge At Lakecrest, LLC; MCP Ashton South
                    End, LLC, MCP 3040 Post Oak, LLC; MCP Plaza at
                          Legacy, LLC; MCP VOA Holdings, LLC; MCP VOA I & III,
LLC and MCP VOA II, LLC.  

R.    MetLife Standby I, LLC (DE)                                               

1.   MetLife Exchange Trust I (DE)                                  

S.    MetLife Services and Solutions, LLC (DE)                                  

1.   MetLife Solutions Pte. Ltd. (Singapore)                        

a)    MetLife Services East Private Limited (India)       

    b)    MetLife Global Operations Support Center Private Limited
                 (India) - 99.99999% is owned by MetLife Solutions Pte. Ltd. and
  0.00001% is owned by Natiloportem Holdings, Inc.

T.    SafeGuard Health Enterprises, Inc. (DE)                                   

1.   MetLife Health Plans, Inc. (DE)                                

2.   SafeGuard Health Plans, Inc. (CA)                              

3.   SafeHealth Life Insurance Company (CA)                         

4.   SafeGuard Health Plans, Inc. (FL)                              

5.   SafeGuard Health Plans, Inc. (NV)                              

6.   SafeGuard Health Plans, Inc. (TX)                              

U.    MetLife Capital Trust X (DE)                                              

V.    Cova Life Management Company (DE)                                         

W.    MetLife Reinsurance Company of Charleston (SC)                            

X.    MetLife Reinsurance Company of Vermont (VT)                               

Y.    Delaware American Life Insurance Company (DE)                             

Z.    Federal Flood Certification LLC (TX)                                      

AA.   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 Global Holding Company II GmbH (Swiss II)
(Switzerland)                             

               i)   MetLife Emeklilik ve Hayat A.S. (Turkey) - 99.98% of
                   MetLife Emeklilik ve Hayat A.S. is owned by Metlife
                 Global Holding Company II GmbH (Swiss II) and the
remainder by third parties.     

    ii)  ALICO European Holdings Limited (Ireland)

aa) ZAO Master D (Russia)       

                     1) Closed Joint Stock Company MetLife Insurance
                        Company (Russia) - 51% of Closed Joint Stock
                             Company MetLife Insurance Company is owned by ZAO
                       Master D and 49% is owned by MetLife Global
    Holding Company II GmbH.

             iii) MetLife Asia Holding Company Pte. Ltd. (Singapore)

                        1) MetLife Innovation Centre Pte. Ltd. (Singapore)

                iv)  MetLife Reinsurance Company of Bermuda Ltd. (Bermuda)

    v)   MetLife Bulgaria Services EOOD (Bulgaria)

                 vi)  MetLife Investment Management Limited (United Kingdom)

       vii) MetLife EU Holding Company Limited (Ireland)

                   aa) MetLife Europe Limited (Ireland) - 93% of MetLife
                           Europe Limited is owned by MetLife EU Holding Company
       Limited and 7% is owned by ALICO.

                          1. MetLife Pension Trustees Limited (United Kingdom)

bb) Agenvita S.r.l. (Italy)       

                    cc) MetLife Europe Insurance Limited (Ireland)- 93% of
                          MetLife Europe Insurance Limited is owned by MetLife
                          EU Holding Company Limited and 7% is owned by ALICO.

           dd) MetLife Europe Services Limited (Ireland)

            ee) MetLife Insurance Limited (United Kingdom)

  ff) MetLife Limited (United Kingdom)

             gg) MetLife Services, Sociedad Limitada (Spain)

                 hh) MetLife 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.

   ii) MetLife Solutions S.A.S. (France)

  jj) Metlife Biztosito Zrt. (Hungary)

                          1) First American-Hungarian Insurance Agency Limited
(Hungary)           

              kk) Metropolitan Life Asigurari S.A. (Romania) -
                        99.9982018% of Metropolitan Life Asigurari S.A. is
                         owned by MetLife EU Holding Company Limited and the
            remaining 0.0017982% is owned by ITAS.

                         1) MetLife Societate de Administrare a unui Fond de
                      Pensii Administrat Privat S.A. (Romania) -
                           99.9836% of MetLife Societate de Administrare a
                          unui Fond de Pensii Administrat Privat S.A. is
                         owned by Metropolitan Life Asigurari S.A. and
                          0.0164% is owned by MetLife Services Sp z.o.o.

                         2) Metropolitan Life Training and Consulting S.R.L.
(Romania)           

                      3) APF Societate de Administrare a Fondurilor De
                          Pensii Facultative (APF) (Romania) - 99.99% of
                            APF is owned by Metropolitan Life Asigurari S.A.
       and 0.01% is owned by ITAS.

             ll) MetLife AMSLICO poist'ovna, a.s. (Slovakia)

                      1) ALICO Funds Central Europe sprav. spol., a.s.
(Slovakia)          

           mm) MetLife pojist'ovna a.s. (Czech Republic)

            nn) MetLife Towarzystwo Ubezpieczen na Zycie I
Reasekuracji S.A. (Poland)

            1) MetLife Services Sp z.o.o. (Poland)

                     2) MetLife Towarzystwo Funduszy Inwestycyjnych,
S.A. (Poland)       

                       3) MetLife Powszechne Towarzystwo Emerytalne S.A.
                            (Poland) - 50% of MetLife Powszechne Towarzystwo
                           Emerytalne S.A. is owned by MetLife Towarzystwo
                            Ubezpieczen na Zycie I Reasekuracji S.A. and the
                        remaining 50% is owned by MetLife EU Holding
Company Limited.    

            oo) MetLife Holdings (Cyprus) Limited (Cyprus)

                     1) American Life Insurance Company (CY) Limited
(Cyprus)            

                    2) Hellenic Alico Life Insurance Company, Ltd.
                             (Cyprus) - 27.5% of Hellenic Alico Life Insurance
                             Company, Ltd. Is owned by American Life Insurance
                        Company (CY) and the remaining is owned by a
third party.        

                       pp) ALICO Bulgaria Zhivotozastrahovat elno Druzhestvo EAD
(Bulgaria)                

      qq) MetLife Life Insurance S.A. (Greece)

                           1) MetLife Mutual Fund S.A. (Greece) - 90% of MetLife
                     Mutual Fund S.A. is owned by MetLife Life
                     Insurance S.A. (Greece) and the remaining
                 interests are owned by third parties.

3.    Pharaonic American Life Insurance Company (Egypt) - 84.125% of
           Pharaonic American Life Insurance Company is owned by ALICO and the
remaining interests are owned by third parties.         

4.    IGI Life Insurance Limited (Pakistan) - 12.296% of IGI Life   
         Insurance Limited is owned by ALICO and the remaining is owned by
third parties.                                          

5.    International Investment Holding Company Limited (Russia)     

6.    MetLife Akcionarsko Drustvo za Zivotno Osiguranje (Serbia) -  
        99.98% of MetLife Akcionarska Drustvoza za Zivotno Osiguranje is
owned by ALICO and the remaining 0.02% is owned by ITAS.

7.    ALICO Management Services Limited (United Kingdom)            

8.    PJSC MetLife (Ukraine) - 99.9988% of PJSC MetLife Ukraine is  
          owned by ALICO, 0.0006% is owned by ITAS and the remaining 0.0006%
is owned by Borderland Investment Limited.              

9.    Borderland Investment Limited (USA-Delaware)                  

           a)    ALICO Hellas Single Member Limited Liability Company (Greece)

10.   International Technical and Advisory Services Limited ("ITAS")
(USA-Delaware)                                          

11.   ALICO Operations Inc. (USA-Delaware)                          

a)    MetLife Asset Management Corp. (Japan)            

   12.   MetLife Colombia Seguros de Vida S.A. (Colombia) - 90.9999942% of
           MetLife Colombia Seguros de Vida S.A. is owned by ALICO, 9.0000011%
       is owned by ITAS, 0.0000016% is owned by Borderland Investments
       Limited, 0.0000016% by MetLife International Holdings, Inc. and
0.0000016% by Natiloportem Holdings, Inc..              

  13.   MetLife Mas, S.A. de C.V. (Mexico) - 99.9997546% of MetLife Mas,
   SA de CV is owned by ALICO and 0.0002454% is owned by ITAS.

      14.   MetLife Seguros S.A. (Uruguay) - 74.9187% of MetLife Seguros S.A. is
        owned by ALICO, 25.0798% by MetLife, Inc. and 0.0015% by a third
party (Oscar Schmidt).                                  

  15.   ALICO Properties, Inc. (USA-Delaware) - 51% of ALICO Properties,
       Inc. is owned by ALICO and the remaining interests are owned by
third parties.                                          

a)    Global Properties, Inc. (USA-Delaware)            

16.   Alpha Properties, Inc. (USA-Delaware)                         

17.   Beta Properties, Inc. (USA-Delaware)                          

18.   Delta Properties Japan, Inc. (USA-Delaware)                   

19.   Epsilon Properties Japan, Inc. (USA-Delaware)                 

20.   Iris Properties, Inc. (USA-Delaware)                          

21.   Kappa Properties Japan, Inc. (USA-Delaware)                   

 22.   UBB Zhivotozastrahovatelno Drujestvo AD (Bulgaria) - 40% of UBB
     Zhivotozastrahovatelno Drujestvo AD is owned by ALICO and the
remaining by third parties.                             

23.   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.                                          

AB.   MetLife Global Benefits, Ltd. (Cayman Islands)                            

AC.   Inversiones Metlife Holdco Dos Limitada (Chile) - 99.999338695% of        
Inversiones MetLife Holdco Dos Limitada is owned by MetLife, Inc.,  
0.00065469% is owned by MetLife International Holdings, Inc. and    
0.000006613% is owned by Natiloportem.                              

AD.   MetLife Consumer Services, Inc. (DE)                                      

AE.   MetLife Reinsurance Company of Delaware (DE)                              

1) The voting securities (excluding directors' qualifying shares, if any) of    
each subsidiary shown on the organizational chart are 100% owned by their       
respective parent corporation, unless otherwise indicated.                      

2) The Metropolitan Money Market Pool and MetLife Intermediate Income Pool are  
pass-through investment pools, of which Metropolitan Life Insurance Company     
and/or its subsidiaries and/or affiliates are general partners.                 

3) The MetLife, Inc. organizational chart does not include real estate joint    
ventures and partnerships of which MetLife, Inc. and/or its subsidiaries is an  
investment partner. In addition, certain inactive subsidiaries have also been   
omitted.                                                                        

4) MetLife Services EEIG is a cost-sharing mechanism used in the EU for EU-     
affiliated members.                                                             

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ITEM 27.  NUMBER OF CONTRACT OWNERS                                             

As of January 31, 2015, there were 404,169 owners of qualified contracts and    
180,370 owners of non-qualified contracts offered by the Registrant (MetLife    
Investors USA Separate Account A).                                              

ITEM 28.  INDEMNIFICATION                                                       

As described in their respective governing documents, MetLife, Inc. (the        
ultimate parent of the Depositor and MetLife Investors Distribution Company,    
the Registrant's underwriter (the "Underwriter")) and the Depositor, each of    
which is incorporated in the state of Delaware, shall indemnify any person who  
is made or is threatened to be made a party to any civil or criminal suit, or   
any administrative or investigative proceeding, by reason of that person's      
service as a director, officer, or agent of the respective company, under       
certain circumstances, against liabilities and expenses incurred by such person 
(except, with respect to the Depositor, as described below regarding MetLife    
Employees).                                                                     

As described in its governing documents, the Underwriter, which is incorporated 
in the state of Missouri, may indemnify, under certain circumstances, any       
person who is made a party to any civil or criminal suit, or made a subject of  
any administrative or investigative proceeding by reason of the fact that he is 
or was a director, officer, or agent of the Underwriter. The Underwriter also   
has such other and further powers of indemnification as are not inconsistent    
with the laws of Missouri.                                                      

MetLife, Inc. also has adopted a policy to indemnify employees ("MetLife        
Employees") of MetLife, Inc. or its affiliates ("MetLife"), including any       
MetLife Employees serving as directors or officers of the Depositor or the      
Underwriter. Under the policy, MetLife, Inc. will, under certain circumstances, 
indemnify MetLife Employees for losses and expenses incurred in connection with 
legal actions threatened or brought against them as a result of their service   
to MetLife. The policy excludes MetLife directors and others who are not        
MetLife Employees, whose rights to indemnification, if any, are as described in 
the charter, bylaws or other arrangement of the relevant company.               

MetLife, Inc. also maintains a Directors and Officers Liability and Corporate   
Reimbursement Insurance Policy under which the Registrant, the Depositor and    
the Underwriter, as well as certain other subsidiaries of MetLife, are covered. 
MetLife, Inc. also has secured a Financial Institutions Bond.                   

Insofar as indemnification for liability arising under the Securities Act of    
1933 may be permitted to directors, officers and controlling persons of the     
Company pursuant to the foregoing provisions, or otherwise, the Company has     
been advised that in the opinion of the Securities and Exchange Commission such 
indemnification is against public policy as expressed in the Act and is,        
therefore, unenforceable. In the event that a claim for indemnification against 
such liabilities (other than the payment by the Company of expenses incurred or 
paid by a director, officer or controlling person of the Company in the         
successful defense of any action, suit or proceeding) is asserted by such       
director, officer or controlling person in connection with the securities being 
registered, the Company will, unless in the opinion of its counsel the matter   
has been settled by controlling precedent, submit to a court of appropriate     
jurisdiction the question whether such indemnification by it is against public  
policy as expressed in the Act and will be governed by the final adjudication   
of such issue.                                                                  

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ITEM 29.  PRINCIPAL UNDERWRITERS                                                

  (a)MetLife Investors Distribution Company is the principal underwriter for
the following investment companies (other than Registrant):       

Met Investors Series Trust                                                      
MetLife Investors USA Variable Life Account A                                   

MetLife Investors Variable Annuity Account One                                  
MetLife Investors Variable Life Account One                                     
First MetLife Investors Variable Annuity Account One                            
General American Separate Account Eleven                                        
General American Separate Account Twenty-Eight                                  
General American Separate Account Twenty-Nine                                   
General American Separate Account Two                                           
Security Equity Separate Account Twenty-Six                                     
Security Equity Separate Account Twenty-Seven                                   
MetLife of CT Separate Account QPN for Variable Annuities                       
MetLife of CT Fund UL for Variable Life Insurance                               
MetLife of CT Fund UL III for Variable Life Insurance                           
Metropolitan Life Variable Annuity Separate Account II                          
MetLife of CT Separate Account Eleven for Variable Annuities                    
Metropolitan Life Separate Account E                                            
Metropolitan Life Separate Account UL                                           
Paragon Separate Account A                                                      
Paragon Separate Account B                                                      
Paragon Separate Account C                                                      
Paragon Separate Account D                                                      
Metropolitan Series Fund                                                        
Metropolitan Tower Life Separate Account One                                    
Metropolitan Tower Life Separate Account Two                                    
New England Life Retirement Investment Account                                  
New England Variable Annuity Fund I                                             
New England Variable Annuity Separate Account                                   
New England Variable Life Separate Account                                      
Separate Account No. 13S                                                        

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  (b)MetLife Investors Distribution Company is the principal underwriter for
    the Contracts. The following persons are the officers and directors of
    MetLife Investors Distribution Company. The principal business address
for MetLife Investors Distribution Company is 1095 Avenue of the  
Americas, New York, NY 10036.                                     

                                                                [Download Table]

NAME AND PRINCIPAL BUSINESS ADDRESS  POSITIONS AND OFFICES WITH UNDERWRITER     
-----------------------------------  -------------------------------------------
                                                                                
Elizabeth M. Forget                  Director                                   
Gragg Building                                                                  
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Paul A. LaPiana                      Director                                   
Gragg Building                                                                  
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Gerard J. Nigro                      Director and Senior Vice President         
1 MetLife Plaza                                                                 
27-01 Queens Plaza North                                                        
Long Island City, NY 11101                                                      

Lance Carlson                        President                                  
1 MetLife Plaza                                                                 
27-01 Queens Plaza North                                                        
Long Island City, NY 11101                                                      

Kieran R. Mullins                    Executive Vice President                   
Gragg Building                                                                  
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Barbara A. Dare                      Senior Vice President                      
Gragg Building                                                                  
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

John P. Kyne, III                    Vice President and Chief Compliance Officer
Gragg Building                                                                  
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Donald Leintz                        Senior Vice President                      
Gragg Building                                                                  
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

John G. Martinez                     Vice President and Chief Financial Officer 
18210 Crane Nest Drive                                                          
Tampa, FL 33647                                                                 

Tyla L. Reynolds                     Vice President and Secretary               
600 North King Street                                                           
Wilmington, DE 19801                                                            

Marlene B. Debel                     Treasurer                                  
1095 Avenue of the Americas                                                     
New York, NY 10036                                                              

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   (c) Compensation From the Registrant. The following commissions and other
        compensation were received by the Distributor, directly or indirectly,
from the Registrant during the Registrant's last fiscal year: 

                                                                [Download Table]

                                             (3)                                  
                                        COMPENSATION ON                           
                                            EVENTS                                
                            (2)         OCCASIONING THE                           
        (1)           NET UNDERWRITING  DEDUCTION OF A      (4)           (5)     
 NAME OF PRINCIPAL     DISCOUNTS AND    DEFERRED SALES   BROKERAGE       OTHER    
    UNDERWRITER         COMMISSIONS          LOAD        COMMISSIONS  COMPENSATION
--------------------- ----------------  ---------------  -----------  ------------
                                                                                  
MetLife Investors                                                                 
Distribution Company   $463,545,565           $0             $0           $0      

ITEM 30.  LOCATION OF ACCOUNTS AND RECORDS                                      

The following companies will maintain possession of the documents required
by Section 31(a) of the Investment Company Act of 1940 and the Rules thereunder:

(a)Registrant                                                           

(b)MetLife Annuity Operations, 4700 Westown Parkway, Bldg. 4, Suite 200,
West Des Moines, IA 50266                                         

   (c)MetLife Investors Distribution Company, 1095 Avenue of the Americas, New
York, NY 10036                                                    

(d)MetLife Insurance Company USA, 11225 North Community House Road,     
Charlotte, NC 28277                                               

(e)MetLife, 18210 Crane Nest Drive, Tampa, FL 33647                     

(f)MetLife, One Financial Center, Boston, MA 02111                      

(g)MetLife, 200 Park Avenue, New York, NY 10166                         

ITEM 31.  MANAGEMENT SERVICES                                                   

Not Applicable.                                                                 

ITEM 32.  UNDERTAKINGS                                                          

a. Registrant hereby undertakes to file a post-effective amendment to this
registration statement as frequently as is necessary to ensure that the audited 
financial statements in the registration statement are never more than sixteen  
(16) months old for so long as payments under the variable annuity contracts    
may be accepted.                                                                

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b. Registrant hereby undertakes to include either (1) as part of any      
application to purchase a contract offered by the Prospectus, a space that an   
applicant can check to request a Statement of Additional Information, or (2) a  
postcard or similar written communication affixed to or included in the         
Prospectus that the applicant can remove to send for a Statement of Additional  
Information.                                                                    

c. Registrant hereby undertakes to deliver any Statement of Additional    
Information and any financial statement required to be made available under     
this Form promptly upon written or oral request.                                

REPRESENTATIONS 

 a. MetLife Insurance Company USA (the "Company") hereby represents that the
fees and charges deducted under the Contracts described in the Prospectus, in   
the aggregate, are reasonable in relation to the services rendered, the         
expenses to be incurred and the risks assumed by the Company.                   

 b. The Company hereby represents that it is relying upon a No-Action Letter
issued to the American Council of Life Insurance dated November 28, 1988        
(Commission ref. IP-6-88) and that the following provisions have been complied  
with:                                                                           

1. Include appropriate disclosure regarding the redemption restrictions   
imposed by Section 403(b)(11) in each registration statement, including the     
prospectus, used in connection with the offer of the contract;                  

2. Include appropriate disclosure regarding the redemption restrictions   
imposed by Section 403(b)(11) in any sales literature used in connection with   
the offer of the contract;                                                      

3. Instruct sales representatives who solicit participants to purchase the
contract specifically to bring the redemption restrictions imposed by Section   
403(b)(11) to the attention of the potential participants;                      

 4. Obtain from each plan participant who purchases a Section 403(b) annuity
contract, prior to or at the time of such purchase, a signed statement          
acknowledging the participant's understanding of (1) the restrictions on        
redemption imposed by Section 403(b)(11), and (2) other investment alternatives 
available under the employer's Section 403(b) arrangement to which the          
participant may elect to transfer his contract value.                           

c. The Company hereby represents that is relying upon a No-Action Letter  
issued to ING Life Insurance and Annuity Company dated August 30, 2012 and that 
it has complied with the provisions of such letter.                             

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SIGNATURES  

 As required by the Securities Act of 1933 and the Investment Company Act of
1940, the Registrant certifies that it meets the requirements of Securities Act 
Rule 485(b) for effectiveness of this Registration Statement and has caused     
this Registration Statement to be signed on its behalf, in the city of          
Charlotte, and the state of North Carolina on the 15th day of April, 2015.      

                              METLIFE INVESTORS USA SEPARATE ACCOUNT A
  (Registrant)

                        By:  METLIFE INSURANCE COMPANY USA

                  By:  /s/ Elizabeth M. Forget
                                        ----------------------------------------
                   Elizabeth M. Forget
                     Senior Vice President

                        By:  METLIFE INSURANCE COMPANY USA
           (Depositor)

                  By:  /s/ Elizabeth M. Forget
                                        ----------------------------------------
                   Elizabeth M. Forget
                     Senior Vice President

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As required by the Securities Act of 1933, this registration statement has been 
signed by the following persons in the capacities indicated on April 15, 2015.  

                                                                [Download Table]
                                                                              
/s/ Eric T. Steigerwalt*                 Director, Chairman of the Board,     
---------------------------------------  President and Chief Executive Officer
Eric T. Steigerwalt                                                           

/s/ Elizabeth M. Forget*                 Director and Senior Vice President   
---------------------------------------                                       
Elizabeth M. Forget                                                           

/s/ Gene L. Lunman*                      Director and Senior Vice President   
---------------------------------------                                       
Gene L. Lunman                                                                

/s/ Peter M. Carlson*                    Executive Vice President and Chief   
---------------------------------------  Accounting Officer                   
Peter M. Carlson                                                              

/s/ Anant Bhalla*                        Senior Vice President and Chief      
---------------------------------------  Financial Officer                    
Anant Bhalla                                                                  

                                                                [Download Table]
                                              
*By:  /s/ Michele H. Abate                    
      ----------------------------------------
      Michele H. Abate, Attorney-in-fact      

*  MetLife Insurance Company USA. Executed by Michele H. Abate, Esquire on      
behalf of those indicated pursuant to powers of attorney filed herewith.  

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EXHIBIT INDEX 

                                                        [Enlarge/Download Table]

EXHIBIT NUMBER  DESCRIPTION                                                                     
--------------  -----------                                                                     
                                                                                                
     10.        Consent of Independent Registered Public Accounting Firm (Deloitte & Touche LLP)

     13.        Powers of Attorney