Metlife Investors USA Separate Account A, et al. – ‘485BPOS’ on 4/11/14

On:  Friday, 4/11/14, at 3:48pm ET   ·   Effective:  4/28/14   ·   Accession #:  1193125-14-140431   ·   File #s:  33-37128, 811-03365

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Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Mli Usa Flexible Bonus Post-Effective Amendment      351   2.07M 
                          No. 25                                                 
 2: EX-99.10    Consent of Independent Registered Public               1      6K 
                          Accounting Firm                                        
 3: EX-99.13    Powers of Attorney                                     2     20K 

485BPOS   —   Mli Usa Flexible Bonus Post-Effective Amendment No. 25
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                                                     Registration Nos. 033-37128
                                                                       811-03365
--------------------------------------------------------------------------------
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM N-4

 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

                           Pre-Effective Amendment No.                       [ ]

                         Post-Effective Amendment No. 25                     [X]

 and

 REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

                                Amendment No. 518                            [X]

METLIFE INVESTORS USA SEPARATE ACCOUNT A
(Exact Name of Registrant)

 METLIFE INVESTORS USA INSURANCE COMPANY
 (Name of Depositor)

11225 North Community House Road
Charlotte, NC 28277 
(Address of Depositor's Principal Executive Offices)
 (Depositor's Telephone Number, including Area Code)
(800) 989-3752

 (Name and Address of Agent for Service)
 Eric T. Steigerwalt
 President
 MetLife Investors USA Insurance Company

11225 North Community House Road
 Charlotte, NC 28277

Copy to:

(Approximate Date of Proposed Public Offering)

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

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

[X] on April 28, 2014 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                                                                       

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                             GROUP FLEXIBLE PAYMENT VARIABLE ANNUITY CONTRACTS

                                                                     ISSUED BY

                                      METLIFE INVESTORS USA SEPARATE ACCOUNT A

                                                                           AND

                                       METLIFE INVESTORS USA INSURANCE COMPANY

      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
 Investors USA Insurance Company ("MetLife Investors USA" or we or us). 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:

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

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

DWS VARIABLE SERIES I (CLASS A)                                                 
DWS International VIP*                                                    

FIDELITY(R) VARIABLE INSURANCE PRODUCTS (INITIAL CLASS)                         
Asset Manager/SM/ 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                                      
MFS(R) Research International Portfolio                                   
Morgan Stanley Mid Cap Growth Portfolio                                   
PIMCO Total Return Portfolio                                              
T. Rowe Price Large Cap Value Portfolio                                   
Third Avenue Small 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.                                     

* DWS International VIP is not available under Retirement Companion Contracts.  
** Fidelity VIP Overseas Portfolio and T. Rowe Price Growth Stock Fund, Inc.    
  are not available for use with Contracts purchased in connection with 403(b)
Plans.                                                                    

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 April 28, 2014. 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 52 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.                                                               

April 28, 2014                                                                  

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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 INVESTORS USA INSURANCE COMPANY, 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 Charges.................................................... 23 
   Mortality and Expense Risk Charge...................................... 23 
   Distribution Expense Charge............................................ 24 
   Income Taxes........................................................... 24 
   Fund Expenses.......................................................... 24 
   Free Look Period....................................................... 24 
   Deferred Compensation Plans............................................ 25 

DESCRIPTION OF THE CONTRACTS.............................................. 26 
   General................................................................ 26 
   Assignment............................................................. 26 
   Purchase Payments...................................................... 26 
   Transfers.............................................................. 27 
   Restrictions on Transfers.............................................. 28 
   Loans (403(b) Plans only).............................................. 31 
   Modification of the Contracts.......................................... 32 

ACCUMULATION PERIOD....................................................... 33 
   Crediting Accumulation Units in the Separate Account................... 33 

                                                                [Download Table]
                                                                              

   Separate Account Accumulation Unit Current Values...................... 33 
   Surrender from the Separate Account.................................... 33 
   Payment of Surrender Amount............................................ 34 
   Account Statements..................................................... 34 

ANNUITY BENEFITS.......................................................... 35 
   Variable Annuity Payments.............................................. 35 
   Assumed Investment Return.............................................. 35 
   Election of Annuity Date and Form of Annuity........................... 35 
   Election of Annuity Date............................................... 35 
   Form of Annuity........................................................ 36 
   Frequency of Payment................................................... 38 
   Level Payments Varying Annually........................................ 38 
   Annuity Unit Values.................................................... 39 

DEATH BENEFITS............................................................ 39 
   Death Before the Annuity Date.......................................... 39 
   Death After the Annuity Date........................................... 40 
   Abandoned Property Requirements........................................ 41 

FEDERAL TAX CONSIDERATIONS................................................ 42 

VOTING RIGHTS............................................................. 50 

LEGAL PROCEEDINGS......................................................... 51 

ADDITIONAL INFORMATION.................................................... 52 

TABLE OF CONTENTS OF STATEMENT OF ADDITIONAL INFORMATION.................. 52 

                                                                [Download Table]
                                                                               
APPENDIX A -- CONDENSED FINANCIAL INFORMATION -- PART 1...................  A-1
APPENDIX A -- CONDENSED FINANCIAL INFORMATION -- PART 2................... A-11
APPENDIX B -- PARTICIPATING INVESTMENT PORTFOLIOS.........................  B-1
APPENDIX C -- ADDITIONAL INFORMATION REGARDING THE PORTFOLIOS.............  C-1
APPENDIX D -- PREMIUM TAX TABLE...........................................  D-1

MetLife Investors USA does not intend to offer the Contracts anywhere or to     
anyone to whom they may not lawfully be offered or sold. MetLife Investors 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 Investors 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 Separate Account Series 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 series 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 Separate Account Series 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 Investors 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 Investors USA other than those in the   
Separate Account or any of its other segregated asset accounts.                 

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 Separate Account       
Series and your interest in the General Account. Your interest in the Separate  
Account Series is the sum of the values of the Accumulation Units. Your         
interest in the General Account is the 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 Investors 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 - The Accumulation Unit values and Annuity Unit values maintained        
separately for each Fund whose securities are owned by the Separate Account.    

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 Investors USA.                                           

VALUATION DATE - Any Business Day used by the Separate Account to determine the 
value of part or all of its assets                                              

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for purposes of determining Accumulation and Annuity Unit values for the        
Contract. Accumulation Unit values will be determined each Business Day. There  
will be one Valuation Date in each calendar week for Annuity Unit values.       
MetLife Investors 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 Separate        
Account Series.                                                                 

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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; and                           

*  Section 401 pension and profit sharing plans.                          

[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 Contract.            

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 Series.                                                                     

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:                      

                                                                [Download Table]

Fee or Expense                  Amount of Fee  
-----------------------------------------------
                                               
Daily Deductions                               

. Distribution expenses                .000274%
                               (0.10% per year)

. Mortality and Expense risks          .003425%
                               (1.25% per year)

ANNUAL DEDUCTIONS                                                               

There is an Administrative Fee of $21.50 plus $2.50 for each Series in which    
you invest. MetLife Investors 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 CHARGES                                                             

A charge of $10 may be deducted for:                                            

..   A transfer from any Series;                                                

..   A full or partial surrender (the charge will be no more than 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)                             

.  Deducted if you            7% of Purchase Payment  
 request a full or         and amounts credited to
 partial surrender of      it. This charge applies
 Purchase Payments from    for 60 months after the
 the Separate Account          Purchase Payment is
 within 60 months after                  received.
the Purchase Payment                            
is made.                                        

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.                    

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

..   administrative fees                                                        

..   transaction charges                                                        

..   distribution fees                                                          

..   surrender charges on certain surrenders                                    

                                                                [Download Table]
                                                         
PREMIUM TAXES                                            

. Payable to a state or government agency       0% - 3.5%
  with respect to the Contract. It may be                
  deducted on or after the date the tax is               
  incurred. Currently, MetLife Investors 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    
Investors 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)

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.      

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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. Loan proceeds may be considered taxable       
distributions under the Internal Revenue Code in the event of a default in      
repayments.                                                                     

MetLife Investors USA:                                                          

..   may terminate loans                                                        

..   change the terms under which loans are made                                

Any action taken by MetLife Investors 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. This 
prospectus provides a general description of the Contract. Your actual          
Certificate and any endorsements are the controlling documents.                 

[SIDE BAR: Please see "Description of Contracts - Market Timing" for more       
information.]                                                                   

RESTRICTIONS ON TRANSFERS                                                       

MetLife Investors 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, including amounts credited to it)     
TRANSACTION CHARGE/2/                                                                                               
  (each surrender and annuitization)                                                                             $10
TRANSFER FEE PER TRANSFER/3/                                                                                     $10

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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.                                                                       

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                                                        [Enlarge/Download Table]
                                                                                                                           
PERIODIC FEES AND EXPENSES TABLE                                                                                           

ADMINISTRATIVE CHARGE/4/                                                                                        $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/5/                                                                             1.35%

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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.

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                                                        [Enlarge/Download Table]

                                                                                                  Minimum Maximum
                                                                                                  ------- -------
                                                                                                                 
Total Annual Fund Operating Expenses                                                               0.26%   1.02% 
(expenses that are deducted from Fund assets, including management fees, 12b-1/Service fees, and                 
other expenses) as of December 31, 2013                                                                          

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

Notes                                                                           

1.  Surrender charges decline based on date of Purchase Payment. (See Expenses  
- 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 charge is the lesser of $10 or 2% of the   
amount surrendered.                                                             

3.  This fee applies to each transfer from a Series. We currently waive this    
charge.                                                                         

4.  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.                          

5.  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%  
----------------------------------------------------------------------------------------------------------------
DWS VARIABLE SERIES I--CLASS A                                                                                  
----------------------------------------------------------------------------------------------------------------
 DWS International VIP                  0.79%         --       0.23%     --      1.02%         --        1.02%  
----------------------------------------------------------------------------------------------------------------
FIDELITY(R) VARIABLE INSURANCE                                                                                  
PRODUCTS--INITIAL CLASS                                                                                         
----------------------------------------------------------------------------------------------------------------
 Asset Manager/SM/ Portfolio            0.50%         --       0.13%     --      0.63%         --        0.63%  
----------------------------------------------------------------------------------------------------------------
 Contrafund(R) Portfolio                0.55%         --       0.09%     --      0.64%         --        0.64%  
----------------------------------------------------------------------------------------------------------------
 Growth Portfolio                       0.55%         --       0.11%     --      0.66%         --        0.66%  
----------------------------------------------------------------------------------------------------------------
 Money Market Portfolio                 0.17%         --       0.09%     --      0.26%         --        0.26%  
----------------------------------------------------------------------------------------------------------------
 Overseas Portfolio                     0.70%         --       0.14%     --      0.84%         --        0.84%  
----------------------------------------------------------------------------------------------------------------
MET INVESTORS SERIES TRUST--                                                                                    
CLASS A                                                                                                         
----------------------------------------------------------------------------------------------------------------
 Invesco Small Cap Growth Portfolio     0.85%         --       0.02%     --      0.87%       0.02%       0.85%  
----------------------------------------------------------------------------------------------------------------
 Lord Abbett Bond Debenture                                                                                     
   Portfolio                            0.51%         --       0.03%     --      0.54%         --        0.54%  
----------------------------------------------------------------------------------------------------------------
 MFS(R) Research International                                                                                  
   Portfolio                            0.68%         --       0.07%     --      0.75%       0.06%       0.69%  
----------------------------------------------------------------------------------------------------------------
 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%         --        0.51%  
----------------------------------------------------------------------------------------------------------------
 T. Rowe Price Large Cap Value                                                                                  
   Portfolio                            0.57%         --       0.02%     --      0.59%         --        0.59%  
----------------------------------------------------------------------------------------------------------------
 Third Avenue Small Cap Value                                                                                   
   Portfolio                            0.73%         --       0.03%     --      0.76%       0.02%       0.74%  
----------------------------------------------------------------------------------------------------------------

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                                                        [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 
-----------------------------------------------------------------------------------------------------------------
                                                                                                                 
METROPOLITAN SERIES FUND--                                                                                       
CLASS A                                                                                                          
-----------------------------------------------------------------------------------------------------------------
 Barclays Aggregate Bond Index                                                                                   
   Portfolio                             0.25%        --        0.03%      --     0.28%       0.01%       0.27%  
-----------------------------------------------------------------------------------------------------------------
 BlackRock Bond Income Portfolio         0.33%        --        0.02%      --     0.35%       0.00%       0.35%  
-----------------------------------------------------------------------------------------------------------------
 BlackRock Capital Appreciation                                                                                  
   Portfolio                             0.69%        --        0.02%      --     0.71%       0.01%       0.70%  
-----------------------------------------------------------------------------------------------------------------
 BlackRock Large Cap Value Portfolio     0.63%        --        0.02%      --     0.65%       0.06%       0.59%  
-----------------------------------------------------------------------------------------------------------------
 Met/Artisan Mid Cap Value Portfolio     0.81%        --        0.02%      --     0.83%         --        0.83%  
-----------------------------------------------------------------------------------------------------------------
 MetLife Mid Cap Stock Index                                                                                     
   Portfolio                             0.25%        --        0.05%    0.02%    0.32%       0.00%       0.32%  
-----------------------------------------------------------------------------------------------------------------
 MetLife Stock Index Portfolio           0.25%        --        0.02%      --     0.27%       0.01%       0.26%  
-----------------------------------------------------------------------------------------------------------------
 MFS(R) Total Return Portfolio           0.55%        --        0.04%      --     0.59%         --        0.59%  
-----------------------------------------------------------------------------------------------------------------
 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%       0.01%       0.82%  
-----------------------------------------------------------------------------------------------------------------
 Russell 2000(R) Index Portfolio         0.25%        --        0.06%    0.11%    0.42%       0.00%       0.42%  
-----------------------------------------------------------------------------------------------------------------
 T. Rowe Price Large Cap Growth                                                                                  
   Portfolio                             0.60%        --        0.03%      --     0.63%       0.01%       0.62%  
-----------------------------------------------------------------------------------------------------------------
 T. Rowe Price Small Cap Growth                                                                                  
   Portfolio                             0.48%        --        0.04%      --     0.52%         --        0.52%  
-----------------------------------------------------------------------------------------------------------------
 WMC Core Equity Opportunities                                                                                   
   Portfolio                             0.70%        --        0.02%      --     0.72%       0.11%       0.61%  
-----------------------------------------------------------------------------------------------------------------
T. ROWE PRICE GROWTH STOCK                                                                                       
FUND, INC.                                                                                                       
-----------------------------------------------------------------------------------------------------------------
 T. Rowe Price Growth Stock                                                                                      
   Fund, Inc.                            0.52%        --        0.17%      --     0.69%         --        0.69%  
-----------------------------------------------------------------------------------------------------------------
THE ALGER PORTFOLIOS--CLASS I-2                                                                                  
-----------------------------------------------------------------------------------------------------------------
 Alger Small Cap Growth Portfolio        0.81%        --        0.14%      --     0.95%         --        0.95%  

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 2014 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                                                        
         1 Year                      3 Year                      5 Year                      10 Year           
---------------------------------------------------------------------------------------------------------------
                                                                                                               
                 (a) $970                  (a) $1,438                  (a) $2,000                  (a) $2,888  
                 (b) $895                  (b) $1,209                  (b) $1,616                  (b) $2,106  

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

                                                        [Enlarge/Download Table]

                                                   Time                                                        
         1 Year                      3 Year                      5 Year                      10 Year           
---------------------------------------------------------------------------------------------------------------
                                                                                                               
                 (a) $260                    (a) $798                  (a) $1,360                  (a) $2,878  
                 (b) $185                    (b) $569                  (b)   $976                  (b) $2,096  

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  
or transfer 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 or transfer expenses.                               

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

In addition, for certain Funds 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.           

FINANCIAL INFORMATION                                                           

Financial Statements of the Separate Account and MetLife Investors 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 INVESTORS USA INSURANCE COMPANY, THE GENERAL ACCOUNT,    
THE SEPARATE ACCOUNT, THE FUNDS AND SERVICE PROVIDERS                           

THE INSURANCE COMPANY                                                           

MetLife Investors USA Insurance Company (MetLife Investors USA) is a stock life 
insurance company founded on September 13, 1960, and organized under the laws   
of the State of Delaware. Its principal executive offices are located at 11225  
North Community House Road, Charlotte, NC 28277. MetLife Investors USA is       
authorized to transact the business of life insurance, including annuities, and 
is currently licensed to do business in all states (except New York) and in the 
District of Columbia. MetLife Investors USA is an indirect, wholly-owned        
subsidiary of MetLife, Inc. (MetLife), the holding company of Metropolitan Life 
Insurance Company and a listed company on the New York Stock Exchange. MetLife  
is a leading provider of insurance and financial products and services to       
individual and group customers.                                                 

In 2013, MetLife, Inc. announced its plans to merge MetLife Investors USA,      
MetLife Insurance Company of Connecticut, MetLife Investors Insurance Company   
(MetLife Investors), and Exeter Reassurance Company, Ltd. (Exeter Reassurance), 
to create one larger U.S.-based and U.S.-regulated life insurance company.      
MetLife Investors, like MetLife Investors USA and MetLife Insurance Company of  
Connecticut, is a U.S. insurance company that issues variable insurance         
products in addition to other products. Exeter Reassurance is a direct          
subsidiary of MetLife, Inc. that mainly reinsures guarantees associated with    
variable annuity products issued by U.S. insurance companies that are direct or 
indirect subsidiaries of MetLife, Inc. MetLife Insurance Company of             
Connecticut, which is expected to be renamed and domiciled in Delaware, will be 
the surviving entity. These mergers are expected to occur towards the end of    
2014, subject to regulatory approvals.                                          

THE GENERAL ACCOUNT                                                             

All of the assets of MetLife Investors 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 Investors USA. 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 Investors USA bears the full investment risk for  
amounts in the General Account. MetLife Investors USA has sole discretion to    
invest the assets of the General Account, subject to applicable law. THE        
GENERAL ACCOUNT PROVISIONS OF THE CONTRACT ARE NOT INTENDED TO BE OFFERED BY    
THIS PROSPECTUS. Please see the terms of your Certificate for more information. 

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THE SEPARATE ACCOUNT                                                            

MetLife Investors USA established the Separate Account on May 29, 1980, in      
accordance with the Delaware Insurance Code. The purpose of the Separate        
Account is to hold the variable assets that underlie the Contracts and some     
other variable annuity contracts that MetLife Investors 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 Investors USA's name on  
behalf of the Separate Account and legally belong to MetLife Investors USA.     
Although the Separate Account, and each of the Series that make up the Separate 
Account, are considered as part of MetLife Investors 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 Investors 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 Investors 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          
Investors USA's other business. Furthermore, MetLife Investors 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 Investors USA and MetLife Investors 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 Investors USA issues, all    
amounts owed under the contracts and policies are paid from the General         
Account. MetLife Investors 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 Investors   
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 Investors 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 Investors USA  
Insurance Company, 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                                             

DWS VARIABLE SERIES I (CLASS A)                                                 

DWS 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:                                                             

DWS International VIP (1)                                                     

FIDELITY 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/SM/ 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 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                                            
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                                       
Third Avenue 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 Retirement Companion Contracts.                         
(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 Investors 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 Investors USA.   
Fund shares will be redeemed by the Series to the extent necessary for MetLife  
Investors 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 Investors 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       
Investors 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 Investors USA's role as intermediary, with respect to 
the Funds. MetLife Investors USA and its affiliates may profit from these       
payments.                                                                       

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These payments may be derived, in whole or in part, from the advisory fee       
deducted from 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

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affiliates than those that are not, we may be more inclined to offer Funds      
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 Investors 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  
Investors 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 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 Investors 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                                     

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provide jointly with Distributor. Non-cash items include conferences, seminars  
and trips (including travel, lodging and meals in connection therewith),        
entertainment, merchandise and other similar items.                             

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.")                                                  

We pay American Funds Distributors, Inc., principal underwriter for the         
American Funds Insurance Series, a percentage of all Purchase Payments          
allocated to the American Funds Global Small Capitalization Fund, the American  
Funds Growth Fund and the American Funds Growth-Income Fund, for the services   
it provides in marketing the Funds' shares in connection with the Contracts.    

SERVICING AGENT                                                                 

MetLife Group, Inc. and Metropolitan Life Insurance Company provide MetLife     
Investors 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 Investors 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 Investors USA  
may profit from these charges in the aggregate.                                 

PREMIUM AND OTHER TAXES                                                         

MetLife Investors 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.                                        

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.                               

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The following schedule shows the surrender charges that apply during the sixty  
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 is calculated by subtracting from the Series or General    
Account from which you are withdrawing a Purchase Payment an amount determined  
as follows:                                                                     

the surrender amount  
--------------------------------------------------------------------------------
1 - the percentage surrender charge expressed as a decimal  

[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.                                                     

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

EXCEPTIONS TO SURRENDER CHARGE                                                  

In some cases, MetLife Investors 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;                                                           

..   When you are an officer, director or full time employee of MetLife         
   Investors 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 Investors USA or one of its affiliates
and MetLife Investors USA or its affiliate agrees.                      

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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.                             

[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.]                                           

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 Investors 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.")           

MORTALITY AND EXPENSE RISK CHARGE                                               

MetLife Investors 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 Investors USA will  
make a daily deduction from the value of the Separate Account's assets equal to 
1.25% per year.                                                                 

If MetLife Investors 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.                                                     

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MetLife Investors 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 Investors 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 Investors 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.                                                 

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 Investors 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 Investors USA, it    
will be considered to be received on the                                        

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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 Investors USA.                                                       

The returned Certificate will be treated as if MetLife Investors USA never      
issued it, and MetLife Investors USA will refund your Purchase Payments or, if  
required 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 Investors 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 the Flexible Bonus Annuity, Form 226R1) are group       
contracts designed to provide annuity benefits to employees of the following:   

..   Public School Systems;                                                     

..   Churches;                                                                  

..   Certain tax-exempt organizations under Section 501(c)(3) of the Code;      

..   Employees covered under various types of Section 457 deferred compensation 
Plans; and                                                              

..  Retirement plans held by trusts which qualify under Section 401 of the 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 Investors 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 Investors 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 Investors 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 (or such lesser                              

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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, 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       
Investors USA, by telephone, Internet or other means approved by MetLife        
Investors USA. If MetLife Investors USA permits transfers by telephone, you     
will be required to complete an authorization on the Certificate enrollment or  
on another form that MetLife Investors USA may require. MetLife Investors USA   
will employ reasonable procedures to confirm that telephone                     

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or Internet instructions are genuine. This will include a requirement that you  
provide one or more forms of personal identification when requesting a          
transfer. MetLife Investors USA will not be liable for following instructions   
it reasonably believes to be genuine.                                           

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       
Investors USA Insurance Company, 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.                                                                     

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                                                

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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, Third Avenue 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" 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                                               

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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.                   

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                                                  

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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. Large transfers may increase brokerage and     
administrative costs of the underlying Funds and may disrupt portfolio          
management strategy, requiring a Fund to maintain a high cash position and      
possibly resulting in lost investment opportunities and forced liquidations. We 
do not monitor for large transfers to or from Funds except where the portfolio  
manager of a particular underlying Portfolio has brought large transfer         
activity to our attention for investigation on a case-by-case basis. For        
example, some portfolio managers have asked us to monitor for "block transfers" 
where transfer requests have been submitted on behalf of multiple Contract      
Owners by a third party such as an investment adviser. When we detect such      
large trades, we may impose restrictions similar to those described above where 
future transfer requests from that third party must be submitted in writing     
with an original signature. A first occurrence will result in the imposition of 
this restriction for a six-month period; a second occurrence will result in the 
permanent imposition of the restriction.                                        

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 Investors 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                

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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 Investors 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 proceeds. At this time,     
there is no fee for administration.                                             

MODIFICATION OF THE CONTRACTS                                                   

MetLife Investors 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 Investors USA is legally bound under the Contract to maintain these     
Annuity purchase rates. MetLife Investors 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 Investors 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 Investors 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 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 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.                                              

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If you have any questions about any of the provisions of your Contract, you may 
write or call:                                                                  

MetLife Investors USA Insurance Company                                         

11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Phone: (800) 283-4536                                                           

CREDITING ACCUMULATION UNITS IN THE SEPARATE ACCOUNT                            

MetLife Investors USA will credit Accumulation Units to a Series upon receipt   
of your Purchase Payment or transfer. MetLife Investors 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.       
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 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.                                             

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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 Investors 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 Investors USA receives your written request.

MetLife Investors 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                             

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

..   the current Accumulation Unit value for each Series                        

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

MetLife Investors 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 Investors 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.                                            

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.                                                                        

ELECTION OF ANNUITY DATE AND FORM OF ANNUITY                                    

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

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                                   

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..   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.          

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

FORM OF ANNUITY                                                                 

Currently, MetLife Investors 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 Investors 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 Investors 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 Investors USA stops making payments with    
the last payment before the death of the last surviving payee. MetLife          
Investors USA does not guarantee a minimum number of payments under this        
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 Investors USA does not   
pay death proceeds because of the death of the other payee.                     

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

MetLife Investors 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 Investors 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.                                    

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.                                       

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.                   

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

FREQUENCY OF PAYMENT                                                            

Your payments under all options will be made on a monthly basis unless you and  
MetLife Investors 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 Investors 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 Investors 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 Investors 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, MetLife Investors 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 Investors 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.

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ANNUITY UNIT VALUES                                                             

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

..   First, MetLife Investors 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.     

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, 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.                      

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The death benefit will be determined when MetLife Investors USA receives both   
due proof of death and an election for the payment method. Note that if MetLife 
Investors 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.    

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 Investors 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 Investors 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.                

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 Investors 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                                               

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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 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 ("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.                                    

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                                   

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after-tax contributions are your basis in the Contract and not subject to       
income tax (except for the portion of the withdrawal allocable to earnings).    
Under current Federal income tax rules, the taxable portion of distributions    
under annuity contracts and qualified plans (including IRAs) is not eligible    
for the reduced tax rate applicable to long-term capital gains and qualifying   
dividends.                                                                      

If You meet certain requirements, your Roth IRA, Roth 403(b) and Roth 401(k)    
earnings are free from Federal income taxes.                                    

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

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.                                                                        

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).           

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         

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

ROLLOVERS                                                                       

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

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

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

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

(a) minimum distribution requirements, or                                   

(b) financial hardship.                                                     

20% WITHHOLDING ON ELIGIBLE ROLLOVER DISTRIBUTIONS                              

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

DEATH BENEFITS                                                                  

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

Distributions required from a qualified 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                                  

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Annuity Starting Date). If You die on or after your Annuity Starting Date, the  
remaining portion of the interest in the Contract must be distributed at least  
as rapidly as under the method of distribution being used as of the date of     
death. If You die before your Annuity Starting Date, the entire interest in the 
Contract must be distributed within five (5) years after the date of death, or  
as periodic payments over a period not extending beyond the life or life        
expectancy of the designated beneficiary (provided such payments begin within   
one year of your death). Your designated beneficiary is the person to whom      
benefit rights under the Contract pass by reason of death; the beneficiary must 
be a natural person in order to elect a periodic payment option based on life   
expectancy or a period exceeding five years. For required minimum distributions 
following the death of the annuitant of a qualified Contract, the five-year     
rule is applied without regard to calendar year 2009. For instance, for a       
contract owner who died in 2007, the five-year period would end in 2013 instead 
of 2012. The required minimum distribution rules are complex, so consult your   
tax adviser because the application of these rules to your particular           
circumstances may have been impacted by the 2009 required minimum distribution  
waiver.                                                                         

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

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

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

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

REQUIRED MINIMUM DISTRIBUTIONS                                                  

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

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

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

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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.                                                                      

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

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

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

Required minimum distribution rules that apply to other types of IRAs while You 
are alive do not apply to Roth IRAs. However, in general, the same rules with   
respect to minimum distributions required to be made to a beneficiary after     
your death under other IRAs do apply to Roth IRAs.                              

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

SPECIAL RULES REGARDING EXCHANGES                                               

In order to satisfy tax regulations, contract exchanges within a 403(b) plan    
after September 24, 2007, must, at a minimum, meet the following requirements:  
(1) the plan must allow the exchange; (2) the exchange must                     

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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.            

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.

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CONTRIBUTIONS                                                                   

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

DISTRIBUTIONS                                                                   

Any amount received or made available to the employee under the qualified plan  
is includible in the gross income of the employee in the taxable year in which  
received or made available. In such case, the amount paid or contributed by the 
employer shall not constitute consideration paid by the employee for the        
Contract for purposes of determining the amount of annuity payments required to 
be included in the employee's gross income. Thus, amounts actually distributed  
or made available to any employee under the qualified plan will be included in  
their entirety in the employee's gross income. Lump-sum proceeds from a Puerto  
Rico qualified retirement plan due to separation from service will generally be 
taxed at a 20% capital gain tax rate to be withheld at the source. A special    
rate of 10% may apply instead, if the plan satisfies the following requirements:

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

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

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

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ERISA CONSIDERATIONS                                                            

In the context of a Puerto Rico qualified retirement plan trust, the IRS has    
recently held that the transfer of assets and liabilities from a qualified      
retirement plan trust under the Code to that type of plan would generally be    
treated as a distribution includible in gross income for U.S. income tax        
purposes even if the Puerto Rico retirement plan is a plan described in ERISA   
Section 1022(i)(1). By contrast, a transfer from a qualified retirement plan    
trust under the Code to a Puerto Rico qualified retirement plan trust that has  
made an election under ERISA Section 1022(i)(2) is not treated as a             
distribution from the transferor plan for U.S. income tax purposes because a    
Puerto Rico retirement plan that has 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 Investors USA is the legal owner  
of the shares of the Funds. Based upon MetLife Investors USA's current view of  
applicable law, you have voting interests under the Contract concerning Fund    
shares and are entitled to vote on Fund proposals at all regular and special    
shareholders meetings. Therefore, you are entitled to give us instructions for  
the number of shares which are deemed attributable to your Participant's        
Account.                                                                        

MetLife Investors USA will vote all shares of the underlying Funds as directed  
by you and others who have voting interests in the Funds. MetLife Investors USA 
will send you, at a last known address, all periodic reports, proxy materials   
and written requests for instructions on how to vote those shares. When MetLife 
Investors USA receives these instructions,                                      

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it will vote all of the shares in proportion to the instructions. If MetLife    
Investors USA does not receive your voting instructions, it will vote your      
interest in the same proportion as represented by the votes it receives from    
the other Owners and Participants. The effect of this proportional voting is    
that a small number of Contract Owners may control the outcome of a vote. If    
MetLife Investors 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 Investors 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 Investors USA has actual knowledge that they are   
not.                                                                            

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

There are certain circumstances under which MetLife Investors 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 Investors 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 Investors 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         
Investors USA to meet its obligations under the contracts.                      

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ADDITIONAL INFORMATION                                                          

You may contact MetLife Investors USA at the address and phone number on the    
cover of this Prospectus for further information. A copy of the Statement of    
Additional Information, dated April 28, 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 Investors 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.                                                         

TABLE OF CONTENTS OF STATEMENT OF ADDITIONAL INFORMATION                        

The Insurance Company                             
Surrender Charges                                 
Net Investment Factor                             
Annuity Payments                                  
Underwriters, Distribution of the Contracts       
Calculation of Performance                        
Voting Rights                                     
Safekeeping of Securities                         
Servicing Agent                                   
Independent Registered Public Accounting Firm     
Regulation of MetLife Investors USA               
Additional Federal Tax Considerations             
Financial Statements                              

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         If you would like the Statement of Additional Information dated April
       28, 2014, for the annuity contract issued by MetLife Investors USA,
       at no charge, please print and fill in all information and mail to:

 MetLife Investors USA Insurance Company
Attn: Variable Products               

11225 North Community House Road      
Charlotte, NC 28277                   

                                                                [Download Table]

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

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

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

BOOK-702         SAI-USAFLEXBONUS 414 

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

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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 
----------------------------------------------------------------------------------------
                                                                                        
AMERICAN FUNDS GROWTH-INCOME FUND - CLASS 2 (CONTINUED)                                 
   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 
----------------------------------------------------------------------------------------
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 
----------------------------------------------------------------------------------------
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 
----------------------------------------------------------------------------------------
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 
   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 
----------------------------------------------------------------------------------------
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 
----------------------------------------------------------------------------------------

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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 
--------------------------------------------------------------------------------
                                                                                
FIDELITY VIP GROWTH - INITIAL CLASS (CONTINUED)                                 
   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 
--------------------------------------------------------------------------------
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 
--------------------------------------------------------------------------------
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 
   01/01/2013    to    12/31/2013                   7.23      7.13    3,074,432 
--------------------------------------------------------------------------------
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 
--------------------------------------------------------------------------------

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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 - INVESCO SMALL CAP GROWTH - CLASS A (CONTINUED)                                               
   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 
----------------------------------------------------------------------------------------------------
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 
----------------------------------------------------------------------------------------------------
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 
   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 
----------------------------------------------------------------------------------------------------
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 
----------------------------------------------------------------------------------------------------

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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 - 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 
-----------------------------------------------------------------------------------------
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 
-----------------------------------------------------------------------------------------
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 
   01/01/2013    to    12/31/2013                           19.10     25.02      281,699 
-----------------------------------------------------------------------------------------
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 
-----------------------------------------------------------------------------------------

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

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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 - DAVIS VENTURE VALUE - CLASS A (CONTINUED)                                 
   01/01/2007    to    12/31/2007                  38.95     40.19      263,401 
   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 
--------------------------------------------------------------------------------
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 
   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 
--------------------------------------------------------------------------------
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 
--------------------------------------------------------------------------------

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

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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 (CONTINUED)                                                      
   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 
----------------------------------------------------------------------------------------------------
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 
----------------------------------------------------------------------------------------------------
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 
   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 
----------------------------------------------------------------------------------------------------
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 
----------------------------------------------------------------------------------------------------

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

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

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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)                                 
   01/01/2008    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  
----------------------------------------------------------------------------------------
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  
----------------------------------------------------------------------------------------
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  
----------------------------------------------------------------------------------------
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  
   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  
----------------------------------------------------------------------------------------

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

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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 
-----------------------------------------------------------------------------------------------------
                                                                                                     
MIST - INVESCO SMALL CAP GROWTH - CLASS A (CONTINUED)                                                
   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  
-----------------------------------------------------------------------------------------------------
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  
-----------------------------------------------------------------------------------------------------
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  
-----------------------------------------------------------------------------------------------------
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  
-----------------------------------------------------------------------------------------------------
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  
-----------------------------------------------------------------------------------------------------

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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 - PIMCO TOTAL RETURN - CLASS A4                                                          
   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   
----------------------------------------------------------------------------------------------
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   
   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   
----------------------------------------------------------------------------------------------
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   
----------------------------------------------------------------------------------------------
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   
----------------------------------------------------------------------------------------------

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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 
----------------------------------------------------------------------------------
                                                                                  
MSF - BLACKROCK BOND INCOME - CLASS A (CONTINUED)                                 
   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   
----------------------------------------------------------------------------------
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   
   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   
----------------------------------------------------------------------------------
MSF - BLACKROCK LEGACY LARGE CAP GROWTH - 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   
----------------------------------------------------------------------------------
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   
----------------------------------------------------------------------------------
MSF - FI MID CAP OPPORTUNITIES - CLASS A                                          
   01/01/2004    to    04/30/2004                    11.43     11.22      2,961   
----------------------------------------------------------------------------------

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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 - FI MID CAP OPPORTUNITIES - CLASS A                                    
   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   
----------------------------------------------------------------------------
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   
   01/01/2102    to    12/31/2012              17.59     20.43     53,824   
   01/01/2013    to    12/31/2013              20.43     26.86     56,449   
----------------------------------------------------------------------------
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   
----------------------------------------------------------------------------

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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 
--------------------------------------------------------------------------------
                                                                                
MSF - METLIFE STOCK INDEX - CLASS A (CONTINUED)                                 
   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   
--------------------------------------------------------------------------------
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   
--------------------------------------------------------------------------------
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   
--------------------------------------------------------------------------------
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   
--------------------------------------------------------------------------------
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   
--------------------------------------------------------------------------------

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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 - NEUBERGER BERMAN GENESIS - CLASS A (CONTINUED)                                                
   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   
----------------------------------------------------------------------------------------------------
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   
----------------------------------------------------------------------------------------------------
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   
----------------------------------------------------------------------------------------------------
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   
   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   
----------------------------------------------------------------------------------------------------

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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)                                                                   
   01/01/2012    to    12/31/2012                                       6.41      7.11     13,211   
   01/01/2013    to    12/31/2013                                       7.11     23.27         --   
----------------------------------------------------------------------------------------------------
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   
   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   
----------------------------------------------------------------------------------------------------

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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.           

DWS VARIABLE SERIES I (CLASS A)                                                 

DWS 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:                                                             

DWS International VIP/1/                                                        
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/SM/ 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.                  

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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.                               

Overseas Portfolio/2/                                                           
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.                      

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.

Third Avenue Small Cap Value Portfolio                                          
Subadviser: Third Avenue Management LLC                                       
Investment Objective: Seeks long-term capital appreciation.                   

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.                                     

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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.                      

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.       

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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.                  
Investment Objective: Seeks long-term capital growth through investments in   
stock.                                                                    
--------                                                                        
/1/    DWS International VIP is not available under Retirement Companion        
Contracts.                                                        
/2/    Fidelity VIP Overseas Portfolio and T. Rowe Price Growth Stock Fund,     
   Inc. are not available for use with contracts purchased in connection
with 403(b) plans.                                                

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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                                                                

                                                                [Download Table]

          FORMER PORTFOLIO                            NEW FUND                 
-------------------------------------  ----------------------------------------
                                                                               
METROPOLITAN FUND                      METROPOLITAN FUND                       
Davis Venture Value Portfolio          WMC Core Equity Opportunities Portfolio 

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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 INVESTORS USA INSURANCE COMPANY 

APRIL 28, 2014  

THIS STATEMENT OF ADDITIONAL INFORMATION IS NOT A PROSPECTUS AND SHOULD BE READ 
IN CONJUNCTION WITH THE PROSPECTUS. A COPY OF THE PROSPECTUS, DATED APRIL 28,   
2014, MAY BE OBTAINED WITHOUT CHARGE BY WRITING TO METLIFE INVESTORS USA        
INSURANCE COMPANY, 11225 NORTH COMMUNITY HOUSE ROAD, CHARLOTTE, NC 28277 OR BY  
TELEPHONING (800) 283-4536.                                                     

SAI-USAFLEXBONUS 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  

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  

REGULATION OF METLIFE INVESTORS USA........ 6  

ADDITIONAL FEDERAL TAX CONSIDERATIONS...... 7  

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

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THE INSURANCE COMPANY                                                           

MetLife Investors USA Insurance Company (MetLife Investors USA) is a stock life 
insurance company founded on September 13, 1960, and organized under the laws   
of the State of Delaware. Its principal executive offices are located at 11225  
North Community House Road, Charlotte, NC 28277. MetLife Investors USA is       
authorized to transact the business of life insurance, including annuities, and 
is currently licensed to do business in all states except New York and in the   
District of Columbia. MetLife Investors USA is an indirect wholly-owned         
subsidiary of MetLife, Inc. (MetLife), a listed company on the New York Stock   
Exchange. MetLife is a leading provider of insurance and financial products and 
services to individual and group customers.                                     

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. 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 Investors 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           

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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 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 Investors 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 Investor 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. The Distributor's 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  

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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.                                                        

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     
------------------------------------------
                                          
   2011      $1,101,222,893       $0      
   2012      $  689,121,186       $0      
   2013      $  456,083,088       $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, 3, 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.                 

VOTING RIGHTS                                                                   

As the owner of the Separate Account, MetLife Investors USA is the legal owner  
of the shares of the Funds. Based upon MetLife Investors USA's current view of  
applicable law, Participants have voting interests under the Contract           
concerning Fund shares and are entitled to vote on Fund proposals at all        
regular and special shareholders meetings. Therefore, Participants are entitled 
to give us instructions for the number of shares which are deemed attributable  
to his or her Participant's Account.                                            

MetLife Investors USA will vote all shares of the underlying Funds as directed  
by the Participant and others who have voting interests in the Funds. MetLife   
Investors USA will send, at a last known address, all periodic reports, proxy   
materials and written requests for instructions on how to vote those shares.    
When MetLife Investors USA receives these instructions, it will vote of the     
shares in proportion to the instructions. If MetLife Investors USA does not     
receive a Participant's voting instructions, it will vote his or her interest   
in the same proportion as represented by the votes it receives from the other   
Owners and Participants. If MetLife Investors 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 Investors 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 Investors USA has actual knowledge that they are   
not.                                                                            

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

There are certain circumstances under which MetLife Investors 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.                 

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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 Investors     
USA. The assets of each Separate Account Series will be kept physically         
segregated by MetLife Investors 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          
Investors USA's officers and employees.                                         

SERVICING AGENT                                                                 

Administrative services agreements have been entered into between MetLife       
Investors 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 Investors 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 of MetLife Investors USA Insurance        
Company and subsidiary (the "Company"), included in this Statement of           
Additional Information, have been audited by Deloitte & Touche LLP, independent 
auditors, as stated in their report appearing herein (which report expresses an 
unmodified opinion and includes an other matter paragraph related to the        
Company being a member of a controlled group). Such financial statements are    
included in reliance upon the report of such firm given upon their authority as 
experts in accounting and auditing.                                             

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

REGULATION OF METLIFE INVESTORS USA                                             

MetLife Investors USA is subject to the laws of the state of Delaware governing 
insurance companies and to regulation by the Delaware Commissioner of           
Insurance. An annual statement, in a prescribed form, is filed with the         
Commissioner on or before March 1 each year covering the operations of MetLife  
Investors USA for the preceding year and its financial condition on December 31 
of such year. MetLife Investors USA's books and assets are subject to review or 
examination by the Commissioner or his agents at all times, and a full          
examination of its operations is usually conducted by the National Association  
of Insurance Commissioners at least once in every three years. MetLife          
Investors USA was last examined as of December 31, 2000. While Delaware         
insurance law prescribes permissible investments for MetLife Investors USA, it  
does not prescribe permissible investments for the Separate Account, nor does   
it involve supervision of the investment management or policy of MetLife        
Investors USA. In addition, MetLife Investors USA is subject to the insurance   
laws and regulations of other jurisdictions in which it is licensed to operate. 
State insurance laws generally provide regulations for the licensing of         
insurers and their agents, govern the financial affairs of insurers, require    
approval of policy forms, impose reserve requirements and require filing of an  
annual statement. Generally, the insurance departments of these other           
jurisdictions apply the laws of Delaware in determining permissible investments 
for MetLife Investors USA.                                                      

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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.         

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              

(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                                       

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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
--------------------------------------------------------
                                                        
  401(k)            $17,500               $5,500        
--------------------------------------------------------
  401(a)            (Employer contributions only)       
--------------------------------------------------------
403(b)(TSA)         $17,500               $5,500        
--------------------------------------------------------
  457(b)            $17,500               $5,500        
--------------------------------------------------------

Dollar limits are for 2014 and subject to cost-of-living adjustments in future  
years. Employer-sponsored individual account plans (other than 457(b) plans)    
may provide for additional employer contributions not to exceed the greater of  
$52,000 or 25% of an employee's compensation for 2014.                          

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 comprising each of the        
Sub-Accounts of the Separate Account and the consolidated financial statements  
of the Company 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 Investors USA Insurance Company                                         

We have audited the accompanying statements of assets and liabilities of        
MetLife Investors USA Separate Account A (the "Separate Account") of MetLife    
Investors USA Insurance Company (the "Company") comprising each of the          
individual Sub-Accounts listed in Note 2 as of December 31, 2013, the related   
statements of operations for the respective stated period in the year then      
ended, the statements of changes in net assets for the respective stated        
periods in the two years then ended, and the financial highlights in Note 8 for 
the respective stated periods in the five years then ended. These financial     
statements and financial highlights are the responsibility of the Separate      
Account's management. Our responsibility is to express an opinion on these      
financial statements and financial highlights based on our audits.              

We conducted our audits in accordance with the standards of the Public Company  
Accounting Oversight Board (United States). Those standards require that we     
plan and perform the audit to obtain reasonable assurance about whether the     
financial statements and financial highlights are free of material              
misstatement. The Separate Account is not required to have, nor were we engaged 
to perform, an audit of its internal control over financial reporting. Our      
audits included consideration of internal control over financial reporting as a 
basis for designing audit procedures that are appropriate in the circumstances, 
but not for the purpose of expressing an opinion on the effectiveness of the    
Separate Account's internal control over financial reporting. Accordingly, we   
express no such opinion. An audit also includes examining, on a test basis,     
evidence supporting the amounts and disclosures in the financial statements,    
assessing the accounting principles used and significant estimates made by      
management, as well as evaluating the overall financial statement presentation. 
Our procedures included confirmation of investments owned as of December 31,    
2013, by correspondence with the custodian or mutual fund companies. We believe 
that our audits provide a reasonable basis for our opinion.                     

In our opinion, the financial statements and financial highlights referred to   
above present fairly, in all material respects, the financial position of each  
of the Sub-Accounts constituting the Separate Account of the Company as of      
December 31, 2013, the results of their operations for the respective stated    
period in the year then ended, the changes in their net assets for the          
respective stated periods in the two years then ended, and the financial        
highlights for the respective stated periods in the five years then ended, in   
conformity with accounting principles generally accepted in the United States   
of America.                                                                     

/s/ DELOITTE & TOUCHE LLP                                                       
Certified Public Accountants                                                    

Tampa, Florida                                                                  
March 27, 2014                                                                  

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES    
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                                                                             AMERICAN FUNDS   
                                                  ALGER            AMERICAN FUNDS        AMERICAN FUNDS       GLOBAL SMALL    
                                            SMALL CAP GROWTH            BOND              GLOBAL GROWTH      CAPITALIZATION   
                                               SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT    
                                           -------------------  --------------------  -------------------  -------------------
                                                                                                                              
ASSETS:                                                                                                                       
   Investments at fair value.............. $        63,772,200  $        146,158,384  $       314,826,299  $       124,184,057
   Due from MetLife Investors                                                                                                 
     USA Insurance Company................                  --                    --                   --                   --
                                           -------------------  --------------------  -------------------  -------------------
        Total Assets......................          63,772,200           146,158,384          314,826,299          124,184,057
                                           -------------------  --------------------  -------------------  -------------------
LIABILITIES:                                                                                                                  
   Accrued fees...........................                  --                    32                   93                   52
   Due to MetLife Investors                                                                                                   
     USA Insurance Company................                   1                     1                    3                    2
                                           -------------------  --------------------  -------------------  -------------------
        Total Liabilities.................                   1                    33                   96                   54
                                           -------------------  --------------------  -------------------  -------------------

NET ASSETS................................ $        63,772,199  $        146,158,351  $       314,826,203  $       124,184,003
                                           ===================  ====================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                       
   Net assets from accumulation units..... $        63,772,199  $        146,137,922  $       314,815,262  $       124,172,760
   Net assets from contracts in payout....                  --                20,429               10,941               11,243
                                           -------------------  --------------------  -------------------  -------------------
        Total Net Assets.................. $        63,772,199  $        146,158,351  $       314,826,203  $       124,184,003
                                           ===================  ====================  ===================  ===================

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                           AMERICAN FUNDS        AMERICAN FUNDS             DWS I          FEDERATED HIGH   
                                               GROWTH             GROWTH-INCOME         INTERNATIONAL        INCOME BOND    
                                             SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  -------------------
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............ $       856,560,270  $        388,320,093  $        18,592,801  $            26,171
   Due from MetLife Investors                                                                                               
     USA Insurance Company..............                  --                    --                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Assets....................         856,560,270           388,320,093           18,592,801               26,171
                                         -------------------  --------------------  -------------------  -------------------
LIABILITIES:                                                                                                                
   Accrued fees.........................                  64                   100                    7                    5
   Due to MetLife Investors                                                                                                 
     USA Insurance Company..............                   2                     3                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Liabilities...............                  66                   103                    7                    5
                                         -------------------  --------------------  -------------------  -------------------

NET ASSETS.............................. $       856,560,204  $        388,319,990  $        18,592,794  $            26,166
                                         ===================  ====================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units... $       856,524,635  $        388,260,143  $        18,592,794  $            26,166
   Net assets from contracts in payout..              35,569                59,847                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Net Assets................ $       856,560,204  $        388,319,990  $        18,592,794  $            26,166
                                         ===================  ====================  ===================  ===================


                                               FEDERATED          FIDELITY VIP          FIDELITY VIP        FIDELITY VIP    
                                                KAUFMAN           ASSET MANAGER          CONTRAFUND         EQUITY-INCOME   
                                              SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  -------------------
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............ $            44,909  $         88,274,484  $       611,972,984  $         5,954,600
   Due from MetLife Investors                                                                                               
     USA Insurance Company..............                  --                    --                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Assets....................              44,909            88,274,484          611,972,984            5,954,600
                                         -------------------  --------------------  -------------------  -------------------
LIABILITIES:                                                                                                                
   Accrued fees.........................                   2                     1                   45                   --
   Due to MetLife Investors                                                                                                 
     USA Insurance Company..............                  --                    --                   13                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Liabilities...............                   2                     1                   58                   --
                                         -------------------  --------------------  -------------------  -------------------

NET ASSETS.............................. $            44,907  $         88,274,483  $       611,972,926  $         5,954,600
                                         ===================  ====================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units... $            44,907  $         88,274,483  $       611,972,926  $         5,954,600
   Net assets from contracts in payout..                  --                    --                   --                   --
                                         -------------------  --------------------  -------------------  -------------------
        Total Net Assets................ $            44,907  $         88,274,483  $       611,972,926  $         5,954,600
                                         ===================  ====================  ===================  ===================


                                             FIDELITY VIP          FIDELITY VIP                                             
                                           FUNDSMANAGER 50%      FUNDSMANAGER 60%                                           
                                              SUB-ACCOUNT           SUB-ACCOUNT                                             
                                         --------------------  -------------------                                          
                                                                                                                            
ASSETS:                                                                                                                     
   Investments at fair value............ $      2,033,793,788  $     4,031,523,824                                          
   Due from MetLife Investors                                                                                               
     USA Insurance Company..............                   --                   --                                          
                                         --------------------  -------------------                                          
        Total Assets....................        2,033,793,788        4,031,523,824                                          
                                         --------------------  -------------------                                          
LIABILITIES:                                                                                                                
   Accrued fees.........................                   --                   --                                          
   Due to MetLife Investors                                                                                                 
     USA Insurance Company..............                   --                   --                                          
                                         --------------------  -------------------                                          
        Total Liabilities...............                   --                   --                                          
                                         --------------------  -------------------                                          

NET ASSETS.............................. $      2,033,793,788  $     4,031,523,824                                          
                                         ====================  ===================                                          
CONTRACT OWNERS' EQUITY                                                                                                     
   Net assets from accumulation units... $      2,033,793,788  $     4,031,523,824                                          
   Net assets from contracts in payout..                   --                   --                                          
                                         --------------------  -------------------                                          
        Total Net Assets................ $      2,033,793,788  $     4,031,523,824                                          
                                         ====================  ===================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                             FIDELITY VIP          FIDELITY VIP          FIDELITY VIP          FIDELITY VIP    
                                                GROWTH               INDEX 500              MID CAP            MONEY MARKET    
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $        165,968,439  $         69,677,261  $        446,581,951  $         76,155,366
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                    --                     1                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          165,968,439            69,677,261           446,581,952            76,155,366
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   --                    14                    10                    20
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   --                    14                    10                    20
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $        165,968,439  $         69,677,247  $        446,581,942  $         76,155,346
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $        165,968,439  $         69,677,247  $        446,565,326  $         76,155,346
   Net assets from contracts in payout..                   --                    --                16,616                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $        165,968,439  $         69,677,247  $        446,581,942  $         76,155,346
                                         ====================  ====================  ====================  ====================


                                                                                        FTVIPT FRANKLIN                        
                                             FIDELITY VIP         FTVIPT FRANKLIN       SMALL CAP VALUE        FTVIPT MUTUAL   
                                               OVERSEAS          INCOME SECURITIES        SECURITIES         SHARES SECURITIES 
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $          5,925,521  $        297,821,546  $        128,048,986  $        156,078,613
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                    --                    --                    --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................            5,925,521           297,821,546           128,048,986           156,078,613
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   --                    75                     2                    41
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                   --                     1                     1                     1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   --                    76                     3                    42
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $          5,925,521  $        297,821,470  $        128,048,983  $        156,078,571
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $          5,925,521  $        297,781,830  $        128,048,983  $        156,068,938
   Net assets from contracts in payout..                   --                39,640                    --                 9,633
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $          5,925,521  $        297,821,470  $        128,048,983  $        156,078,571
                                         ====================  ====================  ====================  ====================


                                                                 FTVIPT TEMPLETON                                              
                                           FTVIPT TEMPLETON         GLOBAL BOND                                                
                                          FOREIGN SECURITIES        SECURITIES                                                 
                                              SUB-ACCOUNT           SUB-ACCOUNT                                                
                                         --------------------  --------------------                                            
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         87,721,359  $        254,683,432                                            
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                    --                                            
                                         --------------------  --------------------                                            
        Total Assets....................           87,721,359           254,683,432                                            
                                         --------------------  --------------------                                            
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   64                    18                                            
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                    2                    --                                            
                                         --------------------  --------------------                                            
        Total Liabilities...............                   66                    18                                            
                                         --------------------  --------------------                                            

NET ASSETS.............................. $         87,721,293  $        254,683,414                                            
                                         ====================  ====================                                            
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         87,721,293  $        254,675,740                                            
   Net assets from contracts in payout..                   --                 7,674                                            
                                         --------------------  --------------------                                            
        Total Net Assets................ $         87,721,293  $        254,683,414                                            
                                         ====================  ====================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                             INVESCO V.I.          INVESCO V.I.           INVESCO V.I.          INVESCO V.I.     
                                          AMERICAN FRANCHISE      AMERICAN VALUE           CORE EQUITY        EQUITY AND INCOME  
                                              SUB-ACCOUNT           SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT     
                                         --------------------  --------------------  ---------------------  -------------------- 
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $            163,724  $         95,295,951  $             249,706  $        649,322,735 
   Due from MetLife Investors                                                                                                    
     USA Insurance Company..............                   --                    --                     --                    -- 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Assets....................              163,724            95,295,951                249,706           649,322,735 
                                         --------------------  --------------------  ---------------------  -------------------- 
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    6                    21                     10                    37 
   Due to MetLife Investors                                                                                                      
     USA Insurance Company..............                    5                     1                     --                    -- 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Liabilities...............                   11                    22                     10                    37 
                                         --------------------  --------------------  ---------------------  -------------------- 

NET ASSETS.............................. $            163,713  $         95,295,929  $             249,696  $        649,322,698 
                                         ====================  ====================  =====================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $            163,713  $         95,295,929  $             249,696  $        649,301,613 
   Net assets from contracts in payout..                   --                    --                     --                21,085 
                                         --------------------  --------------------  ---------------------  -------------------- 
        Total Net Assets................ $            163,713  $         95,295,929  $             249,696  $        649,322,698 
                                         ====================  ====================  =====================  ==================== 



                                              INVESCO V.I.          INVESCO V.I.          INVESCO V.I.            JANUS ASPEN    
                                           GLOBAL REAL ESTATE     GROWTH AND INCOME   INTERNATIONAL GROWTH      GLOBAL RESEARCH  
                                               SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT            SUB-ACCOUNT    
                                         ---------------------  --------------------  --------------------  ---------------------
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $          29,993,352  $        365,970,652  $        281,999,222  $               6,751
   Due from MetLife Investors                                                                                                    
     USA Insurance Company..............                    --                    --                    --                     --
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Assets....................            29,993,352           365,970,652           281,999,222                  6,751
                                         ---------------------  --------------------  --------------------  ---------------------
LIABILITIES:                                                                                                                     
   Accrued fees.........................                    28                    37                    14                      3
   Due to MetLife Investors                                                                                                      
     USA Insurance Company..............                     1                     2                     2                     --
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Liabilities...............                    29                    39                    16                      3
                                         ---------------------  --------------------  --------------------  ---------------------

NET ASSETS.............................. $          29,993,323  $        365,970,613  $        281,999,206  $               6,748
                                         =====================  ====================  ====================  =====================
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $          29,993,323  $        365,960,564  $        281,990,432  $               6,748
   Net assets from contracts in payout..                    --                10,049                 8,774                     --
                                         ---------------------  --------------------  --------------------  ---------------------
        Total Net Assets................ $          29,993,323  $        365,970,613  $        281,999,206  $               6,748
                                         =====================  ====================  ====================  =====================


                                                LMPVET                 LMPVET                                                    
                                         CLEARBRIDGE VARIABLE   CLEARBRIDGE VARIABLE                                             
                                           AGGRESSIVE GROWTH        ALL CAP VALUE                                                
                                              SUB-ACCOUNT            SUB-ACCOUNT                                                 
                                         ---------------------  --------------------                                             
                                                                                                                                 
ASSETS:                                                                                                                          
   Investments at fair value............ $         280,745,363  $        129,253,621                                             
   Due from MetLife Investors                                                                                                    
     USA Insurance Company..............                    --                    --                                             
                                         ---------------------  --------------------                                             
        Total Assets....................           280,745,363           129,253,621                                             
                                         ---------------------  --------------------                                             
LIABILITIES:                                                                                                                     
   Accrued fees.........................                   160                    56                                             
   Due to MetLife Investors                                                                                                      
     USA Insurance Company..............                     3                     2                                             
                                         ---------------------  --------------------                                             
        Total Liabilities...............                   163                    58                                             
                                         ---------------------  --------------------                                             

NET ASSETS.............................. $         280,745,200  $        129,253,563                                             
                                         =====================  ====================                                             
CONTRACT OWNERS' EQUITY                                                                                                          
   Net assets from accumulation units... $         280,734,965  $        129,253,563                                             
   Net assets from contracts in payout..                10,235                    --                                             
                                         ---------------------  --------------------                                             
        Total Net Assets................ $         280,745,200  $        129,253,563                                             
                                         =====================  ====================                                             

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                                LMPVET                LMPVET                LMPVET                LMPVET       
                                         CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE
                                             APPRECIATION          EQUITY INCOME       LARGE CAP GROWTH       LARGE CAP VALUE  
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  --------------------  --------------------  --------------------
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............  $       405,286,269  $        191,169,763  $         5,012,459    $         6,893,046
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                    --                   --                     --
                                         --------------------  --------------------  --------------------  --------------------
        Total Assets....................          405,286,269           191,169,763            5,012,459              6,893,046
                                         --------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   46                   108                   68                     91
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                    2                     2                    1                      1
                                         --------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                   48                   110                   69                     92
                                         --------------------  --------------------  --------------------  --------------------

NET ASSETS..............................  $       405,286,221  $        191,169,653  $         5,012,390    $         6,892,954
                                         ====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units...  $       405,286,221  $        191,162,626  $         5,012,390    $         6,892,954
   Net assets from contracts in payout..                   --                 7,027                   --                     --
                                         --------------------  --------------------  --------------------  --------------------
        Total Net Assets................  $       405,286,221  $        191,169,653  $         5,012,390    $         6,892,954
                                         ====================  ====================  ====================  ====================



                                                LMPVET           LMPVET INVESTMENT          LMPVET               LMPVET        
                                         CLEARBRIDGE VARIABLE    COUNSEL VARIABLE     VARIABLE LIFESTYLE   VARIABLE LIFESTYLE  
                                           SMALL CAP GROWTH      SOCIAL AWARENESS       ALLOCATION 50%       ALLOCATION 70%    
                                              SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT     
                                         --------------------  --------------------  --------------------  ------------------- 
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $       112,499,086   $            292,324  $         44,101,424  $         2,305,026 
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                  --                     --                    --                   -- 
                                         --------------------  --------------------  --------------------  ------------------- 
        Total Assets....................         112,499,086                292,324            44,101,424            2,305,026 
                                         --------------------  --------------------  --------------------  ------------------- 
LIABILITIES:                                                                                                                   
   Accrued fees.........................                  65                     38                    23                   27 
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                   1                     --                    --                   -- 
                                         --------------------  --------------------  --------------------  ------------------- 
        Total Liabilities...............                  66                     38                    23                   27 
                                         --------------------  --------------------  --------------------  ------------------- 

NET ASSETS.............................. $       112,499,020   $            292,286  $         44,101,401  $         2,304,999 
                                         ====================  ====================  ====================  =================== 
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $       112,499,020   $            292,286  $         44,101,401  $         2,304,999 
   Net assets from contracts in payout..                  --                     --                    --                   -- 
                                         --------------------  --------------------  --------------------  ------------------- 
        Total Net Assets................ $       112,499,020   $            292,286  $         44,101,401  $         2,304,999 
                                         ====================  ====================  ====================  =================== 



                                                LMPVET            LMPVIT WESTERN                                               
                                          VARIABLE LIFESTYLE   ASSET VARIABLE GLOBAL                                           
                                            ALLOCATION 85%        HIGH YIELD BOND                                              
                                              SUB-ACCOUNT           SUB-ACCOUNT                                                
                                         --------------------  ---------------------                                           
                                                                                                                               
ASSETS:                                                                                                                        
   Investments at fair value............ $         95,074,305  $       104,740,529                                             
   Due from MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                   --                                             
                                         --------------------  ---------------------                                           
        Total Assets....................           95,074,305          104,740,529                                             
                                         --------------------  ---------------------                                           
LIABILITIES:                                                                                                                   
   Accrued fees.........................                   21                   77                                             
   Due to MetLife Investors                                                                                                    
     USA Insurance Company..............                   --                    1                                             
                                         --------------------  ---------------------                                           
        Total Liabilities...............                   21                   78                                             
                                         --------------------  ---------------------                                           

NET ASSETS.............................. $         95,074,284  $       104,740,451                                             
                                         ====================  =====================                                           
CONTRACT OWNERS' EQUITY                                                                                                        
   Net assets from accumulation units... $         95,074,284  $       104,737,455                                             
   Net assets from contracts in payout..                   --                2,996                                             
                                         --------------------  ---------------------                                           
        Total Net Assets................ $         95,074,284  $       104,740,451                                             
                                         ====================  =====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                                                                                 MIST        
                                                                                                           ALLIANCEBERNSTEIN 
                                               MFS VIT               MFS VIT                                GLOBAL DYNAMIC   
                                           INVESTORS TRUST        NEW DISCOVERY      MFS VIT RESEARCH         ALLOCATION     
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $            25,959  $             46,022  $            63,838  $      3,313,674,263
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
        Total Assets....................              25,959                46,022               63,838         3,313,674,263
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   8                     2                    2                    69
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                  --                    --                    1                     2
                                         -------------------  --------------------  -------------------  --------------------
        Total Liabilities...............                   8                     2                    3                    71
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $            25,951  $             46,020  $            63,835  $      3,313,674,192
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $            25,951  $             46,020  $            63,835  $      3,313,622,486
   Net assets from contracts in payout..                  --                    --                   --                51,706
                                         -------------------  --------------------  -------------------  --------------------
        Total Net Assets................ $            25,951  $             46,020  $            63,835  $      3,313,674,192
                                         ===================  ====================  ===================  ====================



                                             MIST AMERICAN         MIST AMERICAN                             MIST AMERICAN   
                                            FUNDS BALANCED         FUNDS GROWTH        MIST AMERICAN        FUNDS MODERATE   
                                              ALLOCATION            ALLOCATION         FUNDS GROWTH           ALLOCATION     
                                              SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  -------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $      3,430,387,069  $     1,828,322,442  $       632,386,712  $      1,796,367,030
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                   --                   --                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
        Total Assets....................        3,430,387,069        1,828,322,442          632,386,712         1,796,367,030
                                         --------------------  -------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   30                   66                   66                    52
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                    1                    1                   10                     1
                                         --------------------  -------------------  -------------------  --------------------
        Total Liabilities...............                   31                   67                   76                    53
                                         --------------------  -------------------  -------------------  --------------------

NET ASSETS.............................. $      3,430,387,038  $     1,828,322,375  $       632,386,636  $      1,796,366,977
                                         ====================  ===================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $      3,430,376,518  $     1,827,667,872  $       632,301,718  $      1,796,362,961
   Net assets from contracts in payout..               10,520              654,503               84,918                 4,016
                                         --------------------  -------------------  -------------------  --------------------
        Total Net Assets................ $      3,430,387,038  $     1,828,322,375  $       632,386,636  $      1,796,366,977
                                         ====================  ===================  ===================  ====================



                                              MIST AQR           MIST BLACKROCK                                              
                                             GLOBAL RISK         GLOBAL TACTICAL                                             
                                              BALANCED             STRATEGIES                                                
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $     3,248,476,045  $      5,457,878,842                                           
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                                           
                                         -------------------  --------------------                                           
        Total Assets....................       3,248,476,045         5,457,878,842                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  68                    78                                           
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                  --                     3                                           
                                         -------------------  --------------------                                           
        Total Liabilities...............                  68                    81                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $     3,248,475,977  $      5,457,878,761                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $     3,248,431,414  $      5,457,828,462                                           
   Net assets from contracts in payout..              44,563                50,299                                           
                                         -------------------  --------------------                                           
        Total Net Assets................ $     3,248,475,977  $      5,457,878,761                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                           MIST BLACKROCK        MIST BLACKROCK        MIST CLARION        MIST CLEARBRIDGE  
                                             HIGH YIELD          LARGE CAP CORE     GLOBAL REAL ESTATE   AGGRESSIVE GROWTH II
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       265,149,930  $         16,869,754  $       182,674,017  $        119,069,072
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................         265,149,930            16,869,754          182,674,017           119,069,072
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 122                   102                   93                   110
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     2                    2                     2
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                 124                   104                   95                   112
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $       265,149,806  $         16,869,650  $       182,673,922  $        119,068,960
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       265,145,347  $         16,869,650  $       182,649,463  $        119,068,960
   Net assets from contracts in payout..               4,459                    --               24,459                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $       265,149,806  $         16,869,650  $       182,673,922  $        119,068,960
                                         ===================  ====================  ===================  ====================


                                                                                           MIST              MIST INVESCO    
                                          MIST CLEARBRIDGE     MIST GOLDMAN SACHS     HARRIS OAKMARK         BALANCED-RISK   
                                          AGGRESSIVE GROWTH       MID CAP VALUE        INTERNATIONAL          ALLOCATION     
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       451,710,663  $        170,038,476  $       693,983,315  $        843,160,756
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................         451,710,663           170,038,476          693,983,315           843,160,756
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  96                    89                   69                    58
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     1                    2                     1
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                  98                    90                   71                    59
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $       451,710,565  $        170,038,386  $       693,983,244  $        843,160,697
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       451,670,790  $        170,001,706  $       693,796,289  $        843,160,697
   Net assets from contracts in payout..              39,775                36,680              186,955                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $       451,710,565  $        170,038,386  $       693,983,244  $        843,160,697
                                         ===================  ====================  ===================  ====================



                                             MIST INVESCO         MIST INVESCO                                               
                                               COMSTOCK           MID CAP VALUE                                              
                                              SUB-ACCOUNT          SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       443,562,037  $        158,040,507                                           
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                                           
                                         -------------------  --------------------                                           
       Total Assets.....................         443,562,037           158,040,507                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 112                   131                                           
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     1                                           
                                         -------------------  --------------------                                           
       Total Liabilities................                 114                   132                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $       443,561,923  $        158,040,375                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       443,532,010  $        158,034,445                                           
   Net assets from contracts in payout..              29,913                 5,930                                           
                                         -------------------  --------------------                                           
       Total Net Assets................. $       443,561,923  $        158,040,375                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                                                        MIST JPMORGAN                        
                                             MIST INVESCO          MIST JPMORGAN        GLOBAL ACTIVE         MIST JPMORGAN  
                                           SMALL CAP GROWTH          CORE BOND           ALLOCATION          SMALL CAP VALUE 
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT   
                                         --------------------  -------------------  --------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        319,189,506  $       311,869,966  $        746,849,807  $        27,866,760
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                   --                   --                    --                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Assets.....................          319,189,506          311,869,966           746,849,807           27,866,760
                                         --------------------  -------------------  --------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  159                   33                    89                  194
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                    2                    1                     1                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Liabilities................                  161                   34                    90                  194
                                         --------------------  -------------------  --------------------  -------------------

NET ASSETS.............................. $        319,189,345  $       311,869,932  $        746,849,717  $        27,866,566
                                         ====================  ===================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        319,132,725  $       311,869,932  $        746,849,717  $        27,866,566
   Net assets from contracts in payout..               56,620                   --                    --                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Net Assets................. $        319,189,345  $       311,869,932  $        746,849,717  $        27,866,566
                                         ====================  ===================  ====================  ===================


                                                                                            MIST           MIST MET/FRANKLIN 
                                          MIST LOOMIS SAYLES    MIST LORD ABBETT       MET/EATON VANCE       LOW DURATION    
                                            GLOBAL MARKETS       BOND DEBENTURE         FLOATING RATE        TOTAL RETURN    
                                              SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       180,595,879  $        259,294,611  $        83,115,922  $        140,307,239
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................         180,595,879           259,294,611           83,115,922           140,307,239
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  96                   121                   84                    92
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     3                    1                     1
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                  98                   124                   85                    93
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $       180,595,781  $        259,294,487  $        83,115,837  $        140,307,146
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       180,595,781  $        259,067,107  $        83,115,837  $        140,307,146
   Net assets from contracts in payout..                  --               227,380                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $       180,595,781  $        259,294,487  $        83,115,837  $        140,307,146
                                         ===================  ====================  ===================  ====================



                                          MIST MET/TEMPLETON       MIST METLIFE                                              
                                          INTERNATIONAL BOND    AGGRESSIVE STRATEGY                                          
                                              SUB-ACCOUNT           SUB-ACCOUNT                                              
                                         --------------------  --------------------                                          
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        52,286,206   $        659,971,556                                          
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                     --                                          
                                         --------------------  --------------------                                          
       Total Assets.....................          52,286,206            659,971,556                                          
                                         --------------------  --------------------                                          
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  66                     51                                          
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   1                      1                                          
                                         --------------------  --------------------                                          
       Total Liabilities................                  67                     52                                          
                                         --------------------  --------------------                                          

NET ASSETS.............................. $        52,286,139   $        659,971,504                                          
                                         ====================  ====================                                          
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        52,286,139   $        659,913,190                                          
   Net assets from contracts in payout..                  --                 58,314                                          
                                         --------------------  --------------------                                          
       Total Net Assets................. $        52,286,139   $        659,971,504                                          
                                         ====================  ====================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                             MIST METLIFE          MIST METLIFE         MIST METLIFE         MIST METLIFE    
                                             BALANCED PLUS       BALANCED STRATEGY   DEFENSIVE STRATEGY     GROWTH STRATEGY  
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                         --------------------  -------------------  --------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $      6,454,727,036  $     7,812,083,227  $      1,972,799,230  $     6,767,059,571
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                   --                   --                    --                   13
                                         --------------------  -------------------  --------------------  -------------------
       Total Assets.....................        6,454,727,036        7,812,083,227         1,972,799,230        6,767,059,584
                                         --------------------  -------------------  --------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   58                   49                    92                   66
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                    2                    1                     2                   --
                                         --------------------  -------------------  --------------------  -------------------
       Total Liabilities................                   60                   50                    94                   66
                                         --------------------  -------------------  --------------------  -------------------

NET ASSETS.............................. $      6,454,726,976  $     7,812,083,177  $      1,972,799,136  $     6,767,059,518
                                         ====================  ===================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $      6,454,591,334  $     7,810,608,978  $      1,972,521,631  $     6,766,750,756
   Net assets from contracts in payout..              135,642            1,474,199               277,505              308,762
                                         --------------------  -------------------  --------------------  -------------------
       Total Net Assets................. $      6,454,726,976  $     7,812,083,177  $      1,972,799,136  $     6,767,059,518
                                         ====================  ===================  ====================  ===================


                                                                                                                  MIST       
                                            MIST METLIFE       MIST METLIFE MULTI-   MIST MFS EMERGING        MFS RESEARCH   
                                          MODERATE STRATEGY    INDEX TARGETED RISK    MARKETS EQUITY          INTERNATIONAL  
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT            SUB-ACCOUNT   
                                         -------------------  --------------------  --------------------  -------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $     3,631,779,081  $        209,957,104  $       456,076,979   $       331,488,553
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  --------------------  -------------------
       Total Assets.....................       3,631,779,081           209,957,104          456,076,979           331,488,553
                                         -------------------  --------------------  --------------------  -------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  72                    51                   85                    89
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   1                     1                    2                     3
                                         -------------------  --------------------  --------------------  -------------------
       Total Liabilities................                  73                    52                   87                    92
                                         -------------------  --------------------  --------------------  -------------------

NET ASSETS.............................. $     3,631,779,008  $        209,957,052  $       456,076,892   $       331,488,461
                                         ===================  ====================  ====================  ===================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $     3,631,343,957  $        209,957,052  $       456,043,852   $       331,401,169
   Net assets from contracts in payout..             435,051                    --               33,040                87,292
                                         -------------------  --------------------  --------------------  -------------------
       Total Net Assets................. $     3,631,779,008  $        209,957,052  $       456,076,892   $       331,488,461
                                         ===================  ====================  ====================  ===================



                                         MIST MORGAN STANLEY    MIST OPPENHEIMER                                             
                                           MID CAP GROWTH         GLOBAL EQUITY                                              
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  -------------------                                            
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       244,579,293  $        78,398,683                                            
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    2                                            
                                         -------------------  -------------------                                            
       Total Assets.....................         244,579,293           78,398,685                                            
                                         -------------------  -------------------                                            
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  57                  112                                            
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                   --                                            
                                         -------------------  -------------------                                            
       Total Liabilities................                  59                  112                                            
                                         -------------------  -------------------                                            

NET ASSETS.............................. $       244,579,234  $        78,398,573                                            
                                         ===================  ===================                                            
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       244,579,234  $        78,398,573                                            
   Net assets from contracts in payout..                  --                   --                                            
                                         -------------------  -------------------                                            
       Total Net Assets................. $       244,579,234  $        78,398,573                                            
                                         ===================  ===================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                MIST                                                                       
                                           PIMCO INFLATION           MIST                 MIST             MIST PIONEER    
                                           PROTECTED BOND     PIMCO TOTAL RETURN      PIONEER FUND       STRATEGIC INCOME  
                                             SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  -------------------  -------------------  -------------------
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       821,456,212  $     1,993,787,047  $       297,755,838  $       919,329,053
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                   --                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Assets.....................         821,456,212        1,993,787,047          297,755,838          919,329,053
                                         -------------------  -------------------  -------------------  -------------------
LIABILITIES:                                                                                                               
   Accrued fees.........................                 121                   97                  160                  185
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   2                    2                    8                   11
                                         -------------------  -------------------  -------------------  -------------------
       Total Liabilities................                 123                   99                  168                  196
                                         -------------------  -------------------  -------------------  -------------------

NET ASSETS.............................. $       821,456,089  $     1,993,786,948  $       297,755,670  $       919,328,857
                                         ===================  ===================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       821,327,058  $     1,993,490,223  $       297,747,696  $       919,316,926
   Net assets from contracts in payout..             129,031              296,725                7,974               11,931
                                         -------------------  -------------------  -------------------  -------------------
       Total Net Assets................. $       821,456,089  $     1,993,786,948  $       297,755,670  $       919,328,857
                                         ===================  ===================  ===================  ===================



                                            MIST PYRAMIS         MIST PYRAMIS        MIST SCHRODERS      MIST SSGA GROWTH  
                                          GOVERNMENT INCOME      MANAGED RISK      GLOBAL MULTI-ASSET     AND INCOME ETF   
                                             SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  -------------------  -------------------  -------------------
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       715,739,667  $        78,417,297  $       435,205,791  $     1,578,178,756
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                   --                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Assets.....................         715,739,667           78,417,297          435,205,791        1,578,178,756
                                         -------------------  -------------------  -------------------  -------------------
LIABILITIES:                                                                                                               
   Accrued fees.........................                 109                   67                  101                   77
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   1                    1                    1                    2
                                         -------------------  -------------------  -------------------  -------------------
       Total Liabilities................                 110                   68                  102                   79
                                         -------------------  -------------------  -------------------  -------------------

NET ASSETS.............................. $       715,739,557  $        78,417,229  $       435,205,689  $     1,578,178,677
                                         ===================  ===================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       715,457,516  $        78,417,229  $       435,205,689  $     1,578,176,658
   Net assets from contracts in payout..             282,041                   --                   --                2,019
                                         -------------------  -------------------  -------------------  -------------------
       Total Net Assets................. $       715,739,557  $        78,417,229  $       435,205,689  $     1,578,178,677
                                         ===================  ===================  ===================  ===================



                                              MIST SSGA       MIST T. ROWE PRICE                                           
                                             GROWTH ETF         LARGE CAP VALUE                                            
                                             SUB-ACCOUNT          SUB-ACCOUNT                                              
                                         -------------------  -------------------                                          
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       509,607,946  $       657,944,412                                          
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                                          
                                         -------------------  -------------------                                          
       Total Assets.....................         509,607,946          657,944,412                                          
                                         -------------------  -------------------                                          
LIABILITIES:                                                                                                               
   Accrued fees.........................                  86                   91                                          
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   2                    2                                          
                                         -------------------  -------------------                                          
       Total Liabilities................                  88                   93                                          
                                         -------------------  -------------------                                          

NET ASSETS.............................. $       509,607,858  $       657,944,319                                          
                                         ===================  ===================                                          
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       509,607,858  $       657,632,896                                          
   Net assets from contracts in payout..                  --              311,423                                          
                                         -------------------  -------------------                                          
       Total Net Assets................. $       509,607,858  $       657,944,319                                          
                                         ===================  ===================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                         MIST T. ROWE PRICE     MIST THIRD AVENUE  MSF BAILLIE GIFFORD      MSF BARCLAYS     
                                           MID CAP GROWTH        SMALL CAP VALUE   INTERNATIONAL STOCK  AGGREGATE BOND INDEX 
                                             SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT     
                                         -------------------  -------------------  -------------------  -------------------- 
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       568,882,803  $       330,702,076  $       303,453,108  $       162,571,949  
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                   --                   --                   --  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Assets.....................         568,882,803          330,702,076          303,453,108          162,571,949  
                                         -------------------  -------------------  -------------------  -------------------- 
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  55                  112                   57                   98  
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   1                    2                    4                    2  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Liabilities................                  56                  114                   61                  100  
                                         -------------------  -------------------  -------------------  -------------------- 

NET ASSETS.............................. $       568,882,747  $       330,701,962  $       303,453,047  $       162,571,849  
                                         ===================  ===================  ===================  ==================== 
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       568,794,562  $       330,531,309  $       303,453,047  $       162,571,849  
   Net assets from contracts in payout..              88,185              170,653                   --                   --  
                                         -------------------  -------------------  -------------------  -------------------- 
       Total Net Assets................. $       568,882,747  $       330,701,962  $       303,453,047  $       162,571,849  
                                         ===================  ===================  ===================  ==================== 


                                            MSF BLACKROCK         MSF BLACKROCK        MSF BLACKROCK         MSF BLACKROCK   
                                             BOND INCOME      CAPITAL APPRECIATION    LARGE CAP VALUE        MONEY MARKET    
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        57,252,064  $         15,272,530  $         3,792,927  $        461,343,188
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
       Total Assets.....................          57,252,064            15,272,530            3,792,927           461,343,188
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 155                   184                   --                   292
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   2                     4                    1                     6
                                         -------------------  --------------------  -------------------  --------------------
       Total Liabilities................                 157                   188                    1                   298
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $        57,251,907  $         15,272,342  $         3,792,926  $        461,342,890
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        57,243,808  $         15,272,342  $         3,792,926  $        461,206,268
   Net assets from contracts in payout..               8,099                    --                   --               136,622
                                         -------------------  --------------------  -------------------  --------------------
       Total Net Assets................. $        57,251,907  $         15,272,342  $         3,792,926  $        461,342,890
                                         ===================  ====================  ===================  ====================


                                              MSF DAVIS           MSF FRONTIER                                               
                                            VENTURE VALUE        MID CAP GROWTH                                              
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $       658,561,619  $         83,651,214                                           
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                                           
                                         -------------------  --------------------                                           
       Total Assets.....................         658,561,619            83,651,214                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                 177                    50                                           
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   4                     1                                           
                                         -------------------  --------------------                                           
       Total Liabilities................                 181                    51                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $       658,561,438  $         83,651,163                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $       658,275,863  $         83,628,999                                           
   Net assets from contracts in payout..             285,575                22,164                                           
                                         -------------------  --------------------                                           
       Total Net Assets................. $       658,561,438  $         83,651,163                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                                  MSF            MSF LOOMIS SAYLES    MSF LOOMIS SAYLES      MSF MET/ARTISAN    
                                            JENNISON GROWTH       SMALL CAP CORE      SMALL CAP GROWTH        MID CAP VALUE     
                                              SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT      
                                         --------------------  -------------------  --------------------  --------------------  
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $        585,624,287  $        14,610,873  $            226,834  $        285,771,086  
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                   --                   --                    --                    --  
                                         --------------------  -------------------  --------------------  --------------------  
        Total Assets....................          585,624,287           14,610,873               226,834           285,771,086  
                                         --------------------  -------------------  --------------------  --------------------  
LIABILITIES:                                                                                                                    
   Accrued fees.........................                   66                   98                    32                    73  
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                    2                    2                    --                     3  
                                         --------------------  -------------------  --------------------  --------------------  
        Total Liabilities...............                   68                  100                    32                    76  
                                         --------------------  -------------------  --------------------  --------------------  

NET ASSETS.............................. $        585,624,219  $        14,610,773  $            226,802  $        285,771,010  
                                         ====================  ===================  ====================  ====================  
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $        585,280,529  $        14,610,773  $            226,802  $        285,579,066  
   Net assets from contracts in payout..              343,690                   --                    --               191,944  
                                         --------------------  -------------------  --------------------  --------------------  
        Total Net Assets................ $        585,624,219  $        14,610,773  $            226,802  $        285,771,010  
                                         ====================  ===================  ====================  ====================  


                                          MSF MET/DIMENSIONAL        MSF METLIFE           MSF METLIFE                          
                                          INTERNATIONAL SMALL       CONSERVATIVE         CONSERVATIVE TO         MSF METLIFE    
                                                COMPANY              ALLOCATION        MODERATE ALLOCATION   MID CAP STOCK INDEX
                                              SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         ---------------------  --------------------  --------------------  --------------------
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $         66,162,529   $          7,497,463  $          7,732,407  $       125,884,166 
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                   --                     --                    --                   -- 
                                         ---------------------  --------------------  --------------------  --------------------
        Total Assets....................           66,162,529              7,497,463             7,732,407          125,884,166 
                                         ---------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                    
   Accrued fees.........................                  106                     55                    31                   87 
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                    4                     --                    --                    1 
                                         ---------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                  110                     55                    31                   88 
                                         ---------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $         66,162,419   $          7,497,408  $          7,732,376  $       125,884,078 
                                         =====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $         66,162,419   $          7,497,408  $          7,732,376  $       125,884,078 
   Net assets from contracts in payout..                   --                     --                    --                   -- 
                                         ---------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $         66,162,419   $          7,497,408  $          7,732,376  $       125,884,078 
                                         =====================  ====================  ====================  ====================


                                                                    MSF METLIFE                                                 
                                              MSF METLIFE           MODERATE TO                                                 
                                          MODERATE ALLOCATION  AGGRESSIVE ALLOCATION                                            
                                              SUB-ACCOUNT           SUB-ACCOUNT                                                 
                                         --------------------  ---------------------                                            
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $         44,655,438  $         57,260,816                                             
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                   --                    --                                             
                                         --------------------  ---------------------                                            
        Total Assets....................           44,655,438            57,260,816                                             
                                         --------------------  ---------------------                                            
LIABILITIES:                                                                                                                    
   Accrued fees.........................                   16                    28                                             
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                    1                     1                                             
                                         --------------------  ---------------------                                            
        Total Liabilities...............                   17                    29                                             
                                         --------------------  ---------------------                                            

NET ASSETS.............................. $         44,655,421  $         57,260,787                                             
                                         ====================  =====================                                            
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $         44,655,421  $         57,260,787                                             
   Net assets from contracts in payout..                   --                    --                                             
                                         --------------------  ---------------------                                            
        Total Net Assets................ $         44,655,421  $         57,260,787                                             
                                         ====================  =====================                                            

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]


                                             MSF METLIFE               MSF                  MSF               MSF MSCI     
                                             STOCK INDEX        MFS TOTAL RETURN         MFS VALUE           EAFE INDEX    
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   
                                         -------------------  -------------------  -------------------  -------------------
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       561,274,528  $        46,044,648  $       260,474,139  $       112,197,240
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                   --                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Assets.....................         561,274,528           46,044,648          260,474,139          112,197,240
                                         -------------------  -------------------  -------------------  -------------------
LIABILITIES:                                                                                                               
   Accrued fees.........................                  40                  232                  168                   69
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   1                    4                    7                    2
                                         -------------------  -------------------  -------------------  -------------------
       Total Liabilities................                  41                  236                  175                   71
                                         -------------------  -------------------  -------------------  -------------------

NET ASSETS.............................. $       561,274,487  $        46,044,412  $       260,473,964  $       112,197,169
                                         ===================  ===================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       561,135,329  $        46,044,412  $       260,467,868  $       112,197,169
   Net assets from contracts in payout..             139,158                   --                6,096                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Net Assets................. $       561,274,487  $        46,044,412  $       260,473,964  $       112,197,169
                                         ===================  ===================  ===================  ===================



                                             MSF NEUBERGER             MSF          MSF T. ROWE PRICE    MSF T. ROWE PRICE 
                                            BERMAN GENESIS     RUSSELL 2000 INDEX   LARGE CAP GROWTH     SMALL CAP GROWTH  
                                              SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT    
                                         -------------------  -------------------  -------------------  -------------------
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       172,247,595  $       141,070,551  $       151,930,138  $        10,522,855
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                   --                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Assets.....................         172,247,595          141,070,551          151,930,138           10,522,855
                                         -------------------  -------------------  -------------------  -------------------
LIABILITIES:                                                                                                               
   Accrued fees.........................                 133                   91                   66                   42
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   2                    2                    1                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Liabilities................                 135                   93                   67                   42
                                         -------------------  -------------------  -------------------  -------------------

NET ASSETS.............................. $       172,247,460  $       141,070,458  $       151,930,071  $        10,522,813
                                         ===================  ===================  ===================  ===================
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       172,210,991  $       141,070,458  $       151,902,711  $        10,522,813
   Net assets from contracts in payout..              36,469                   --               27,360                   --
                                         -------------------  -------------------  -------------------  -------------------
       Total Net Assets................. $       172,247,460  $       141,070,458  $       151,930,071  $        10,522,813
                                         ===================  ===================  ===================  ===================


                                             MSF VAN ECK        MSF WESTERN ASSET                                          
                                           GLOBAL NATURAL          MANAGEMENT                                              
                                              RESOURCES          U.S. GOVERNMENT                                           
                                             SUB-ACCOUNT           SUB-ACCOUNT                                             
                                         -------------------  -------------------                                          
                                                                                                                           
ASSETS:                                                                                                                    
   Investments at fair value............ $       106,449,545  $       291,870,510                                          
   Due from MetLife Investors                                                                                              
     USA Insurance Company..............                  --                   --                                          
                                         -------------------  -------------------                                          
       Total Assets.....................         106,449,545          291,870,510                                          
                                         -------------------  -------------------                                          
LIABILITIES:                                                                                                               
   Accrued fees.........................                  45                  121                                          
   Due to MetLife Investors                                                                                                
     USA Insurance Company..............                   1                    1                                          
                                         -------------------  -------------------                                          
       Total Liabilities................                  46                  122                                          
                                         -------------------  -------------------                                          

NET ASSETS.............................. $       106,449,499  $       291,870,388                                          
                                         ===================  ===================                                          
CONTRACT OWNERS' EQUITY                                                                                                    
   Net assets from accumulation units... $       106,449,499  $       291,855,711                                          
   Net assets from contracts in payout..                  --               14,677                                          
                                         -------------------  -------------------                                          
       Total Net Assets................. $       106,449,499  $       291,870,388                                          
                                         ===================  ===================                                          

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                                                                      OPPENHEIMER VA                         
                                              NEUBERGER          OPPENHEIMER VA      GLOBAL STRATEGIC       OPPENHEIMER VA   
                                           BERMAN GENESIS           CORE BOND             INCOME              MAIN STREET    
                                             SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                         -------------------  --------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $            10,997  $              8,649  $             4,493  $            104,043
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
        Total Assets....................              10,997                 8,649                4,493               104,043
                                         -------------------  --------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   6                     3                    1                     4
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
        Total Liabilities...............                   6                     3                    1                     4
                                         -------------------  --------------------  -------------------  --------------------

NET ASSETS.............................. $            10,991  $              8,646  $             4,492  $            104,039
                                         ===================  ====================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $            10,991  $              8,646  $             4,492  $            104,039
   Net assets from contracts in payout..                  --                    --                   --                    --
                                         -------------------  --------------------  -------------------  --------------------
        Total Net Assets................ $            10,991  $              8,646  $             4,492  $            104,039
                                         ===================  ====================  ===================  ====================



                                            OPPENHEIMER VA        OPPENHEIMER VA        PIONEER VCT           PIONEER VCT    
                                           MAIN STREET SMALL           MONEY         DISCIPLINED VALUE     EMERGING MARKETS  
                                              SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT    
                                         --------------------  -------------------  -------------------  --------------------
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $        123,045,425  $             4,008  $         2,003,215  $            721,676
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                   --                   --                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
        Total Assets....................          123,045,425                4,008            2,003,215               721,676
                                         --------------------  -------------------  -------------------  --------------------
LIABILITIES:                                                                                                                 
   Accrued fees.........................                   18                    8                   78                    92
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   --                   --                   --                     1
                                         --------------------  -------------------  -------------------  --------------------
        Total Liabilities...............                   18                    8                   78                    93
                                         --------------------  -------------------  -------------------  --------------------

NET ASSETS.............................. $        123,045,407  $             4,000  $         2,003,137  $            721,583
                                         ====================  ===================  ===================  ====================
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $        123,045,407  $             4,000  $         2,003,137  $            721,583
   Net assets from contracts in payout..                   --                   --                   --                    --
                                         --------------------  -------------------  -------------------  --------------------
        Total Net Assets................ $        123,045,407  $             4,000  $         2,003,137  $            721,583
                                         ====================  ===================  ===================  ====================



                                             PIONEER VCT      PIONEER VCT IBBOTSON                                           
                                            EQUITY INCOME       GROWTH ALLOCATION                                            
                                             SUB-ACCOUNT           SUB-ACCOUNT                                               
                                         -------------------  --------------------                                           
                                                                                                                             
ASSETS:                                                                                                                      
   Investments at fair value............ $           637,916  $         20,842,524                                           
   Due from MetLife Investors                                                                                                
     USA Insurance Company..............                  --                    --                                           
                                         -------------------  --------------------                                           
        Total Assets....................             637,916            20,842,524                                           
                                         -------------------  --------------------                                           
LIABILITIES:                                                                                                                 
   Accrued fees.........................                  41                    55                                           
   Due to MetLife Investors                                                                                                  
     USA Insurance Company..............                   1                     1                                           
                                         -------------------  --------------------                                           
        Total Liabilities...............                  42                    56                                           
                                         -------------------  --------------------                                           

NET ASSETS.............................. $           637,874  $         20,842,468                                           
                                         ===================  ====================                                           
CONTRACT OWNERS' EQUITY                                                                                                      
   Net assets from accumulation units... $           637,874  $         20,842,468                                           
   Net assets from contracts in payout..                  --                    --                                           
                                         -------------------  --------------------                                           
        Total Net Assets................ $           637,874  $         20,842,468                                           
                                         ===================  ====================                                           

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF ASSETS AND LIABILITIES -- (CONCLUDED)   
DECEMBER 31, 2013   

                                                        [Enlarge/Download Table]

                                         PIONEER VCT IBBOTSON        PIONEER VCT           PIONEER VCT          T. ROWE PRICE   
                                          MODERATE ALLOCATION       MID CAP VALUE      REAL ESTATE SHARES       GROWTH STOCK    
                                              SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                         ---------------------  --------------------  --------------------  --------------------
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $          30,201,108  $         71,900,108  $            252,718  $          8,339,192
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                    --                    --                    --                    --
                                         ---------------------  --------------------  --------------------  --------------------
        Total Assets....................            30,201,108            71,900,108               252,718             8,339,192
                                         ---------------------  --------------------  --------------------  --------------------
LIABILITIES:                                                                                                                    
   Accrued fees.........................                    44                    65                    64                    --
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                     1                     1                     1                    --
                                         ---------------------  --------------------  --------------------  --------------------
        Total Liabilities...............                    45                    66                    65                    --
                                         ---------------------  --------------------  --------------------  --------------------

NET ASSETS.............................. $          30,201,063  $         71,900,042  $            252,653  $          8,339,192
                                         =====================  ====================  ====================  ====================
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $          30,201,063  $         71,900,042  $            252,653  $          8,339,192
   Net assets from contracts in payout..                    --                    --                    --                    --
                                         ---------------------  --------------------  --------------------  --------------------
        Total Net Assets................ $          30,201,063  $         71,900,042  $            252,653  $          8,339,192
                                         =====================  ====================  ====================  ====================


                                              T. ROWE PRICE         T. ROWE PRICE                                               
                                           INTERNATIONAL STOCK      PRIME RESERVE     UIF U.S. REAL ESTATE                      
                                               SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT                          
                                         ---------------------  --------------------  --------------------                      
                                                                                                                                
ASSETS:                                                                                                                         
   Investments at fair value............ $             655,401  $            558,450  $        100,974,984                      
   Due from MetLife Investors                                                                                                   
     USA Insurance Company..............                    --                    --                    --                      
                                         ---------------------  --------------------  --------------------                      
        Total Assets....................               655,401               558,450           100,974,984                      
                                         ---------------------  --------------------  --------------------                      
LIABILITIES:                                                                                                                    
   Accrued fees.........................                    --                    --                     6                      
   Due to MetLife Investors                                                                                                     
     USA Insurance Company..............                    --                     1                     1                      
                                         ---------------------  --------------------  --------------------                      
        Total Liabilities...............                    --                     1                     7                      
                                         ---------------------  --------------------  --------------------                      

NET ASSETS.............................. $             655,401  $            558,449  $        100,974,977                      
                                         =====================  ====================  ====================                      
CONTRACT OWNERS' EQUITY                                                                                                         
   Net assets from accumulation units... $             655,401  $            558,449  $        100,974,977                      
   Net assets from contracts in payout..                    --                    --                    --                      
                                         ---------------------  --------------------  --------------------                      
        Total Net Assets................ $             655,401  $            558,449  $        100,974,977                      
                                         =====================  ====================  ====================                      


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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS    
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                                                               AMERICAN FUNDS  
                                                     ALGER          AMERICAN FUNDS       AMERICAN FUNDS         GLOBAL SMALL   
                                               SMALL CAP GROWTH          BOND             GLOBAL GROWTH        CAPITALIZATION  
                                                  SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $                --  $         2,659,639  $         3,543,665  $           995,290
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk                                                                                               
        charges............................              795,350            1,579,860            3,369,739            1,305,682
      Administrative charges...............                   --              361,049              700,854              239,013
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................              795,350            1,940,909            4,070,593            1,544,695
                                             -------------------  -------------------  -------------------  -------------------
           Net investment income (loss)....            (795,350)              718,730            (526,928)            (549,405)
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........            7,752,298            1,645,084                   --                   --
      Realized gains (losses) on sale of                                                                                       
        investments........................              715,762              105,489            3,982,592            1,957,425
                                             -------------------  -------------------  -------------------  -------------------
           Net realized gains (losses).....            8,468,060            1,750,573            3,982,592            1,957,425
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................            8,688,799          (7,601,790)           65,109,148           25,083,432
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................           17,156,859          (5,851,217)           69,091,740           27,040,857
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $        16,361,509  $       (5,132,487)  $        68,564,812  $        26,491,452
                                             ===================  ===================  ===================  ===================



                                                AMERICAN FUNDS      AMERICAN FUNDS            DWS I            FEDERATED HIGH  
                                                    GROWTH           GROWTH-INCOME        INTERNATIONAL          INCOME BOND   
                                                  SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  -------------------
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $         7,336,530  $         4,748,193  $           924,809  $             1,732
                                             -------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                      
      Mortality and expense risk                                                                                               
        charges............................            9,466,721            4,415,548              235,774                  357
      Administrative charges...............            1,886,375              801,868                   --                   --
                                             -------------------  -------------------  -------------------  -------------------
        Total expenses.....................           11,353,096            5,217,416              235,774                  357
                                             -------------------  -------------------  -------------------  -------------------
           Net investment income (loss)....          (4,016,566)            (469,223)              689,035                1,375
                                             -------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........                   --                   --                   --                   --
      Realized gains (losses) on sale of                                                                                       
        investments........................           16,990,100            6,900,940            (490,812)                   --
                                             -------------------  -------------------  -------------------  -------------------
           Net realized gains (losses).....           16,990,100            6,900,940            (490,812)                   --
                                             -------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                      
        on investments.....................          182,361,798           89,831,743            2,799,643                  (4)
                                             -------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................          199,351,898           96,732,683            2,308,831                  (4)
                                             -------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $       195,335,332  $        96,263,460  $         2,997,866  $             1,371
                                             ===================  ===================  ===================  ===================



                                                  FEDERATED           FIDELITY VIP                                             
                                                   KAUFMAN            ASSET MANAGER                                            
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                             
                                             -------------------  -------------------                                          
                                                                                                                               
INVESTMENT INCOME:                                                                                                             
      Dividends............................  $                --  $         1,335,776                                          
                                             -------------------  -------------------                                          
EXPENSES:                                                                                                                      
      Mortality and expense risk                                                                                               
        charges............................                  544            1,168,826                                          
      Administrative charges...............                   --                   --                                          
                                             -------------------  -------------------                                          
        Total expenses.....................                  544            1,168,826                                          
                                             -------------------  -------------------                                          
           Net investment income (loss)....                (544)              166,950                                          
                                             -------------------  -------------------                                          
NET REALIZED AND CHANGE IN                                                                                                     
   UNREALIZED GAINS (LOSSES)                                                                                                   
   ON INVESTMENTS:                                                                                                             
      Realized gain distributions..........                3,265              207,129                                          
      Realized gains (losses) on sale of                                                                                       
        investments........................                  351              599,116                                          
                                             -------------------  -------------------                                          
           Net realized gains (losses).....                3,616              806,245                                          
                                             -------------------  -------------------                                          
      Change in unrealized gains (losses)                                                                                      
        on investments.....................                9,524           10,480,801                                          
                                             -------------------  -------------------                                          
      Net realized and change in                                                                                               
        unrealized gains (losses)                                                                                              
        on investments.....................               13,140           11,287,046                                          
                                             -------------------  -------------------                                          
      Net increase (decrease) in net assets                                                                                    
        resulting from operations..........  $            12,596  $        11,453,996                                          
                                             ===================  ===================                                          

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                 FIDELITY VIP          FIDELITY VIP         FIDELITY VIP          FIDELITY VIP    
                                                  CONTRAFUND           EQUITY-INCOME      FUNDSMANAGER 50%      FUNDSMANAGER 60%  
                                                  SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  -------------------  --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $          5,646,134  $            139,396  $        19,057,686  $         44,019,083
                                             --------------------  --------------------  -------------------  --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges.............................            6,566,916                80,957           24,306,286            75,257,193
      Administrative charges................              776,610                    --                   --                    --
                                             --------------------  --------------------  -------------------  --------------------
        Total expenses......................            7,343,526                80,957           24,306,286            75,257,193
                                             --------------------  --------------------  -------------------  --------------------
           Net investment income (loss).....          (1,697,392)                58,439          (5,248,600)          (31,238,110)
                                             --------------------  --------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........              159,570               370,347           10,771,735           140,760,703
      Realized gains (losses) on sale of                                                                                          
        investments.........................           11,441,688               (2,721)                   --            30,399,116
                                             --------------------  --------------------  -------------------  --------------------
           Net realized gains (losses)......           11,601,258               367,626           10,771,735           171,159,819
                                             --------------------  --------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                         
        on investments......................          130,225,189               916,971          141,257,707           435,136,185
                                             --------------------  --------------------  -------------------  --------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................          141,826,447             1,284,597          152,029,442           606,296,004
                                             --------------------  --------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $        140,129,055  $          1,343,036  $       146,780,842  $        575,057,894
                                             ====================  ====================  ===================  ====================


                                                 FIDELITY VIP        FIDELITY VIP          FIDELITY VIP          FIDELITY VIP     
                                                    GROWTH             INDEX 500              MID CAP            MONEY MARKET     
                                                  SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                             -------------------  -------------------  --------------------  -------------------- 
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $           427,133  $         1,208,234  $          1,103,058  $             19,205 
                                             -------------------  -------------------  --------------------  -------------------- 
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges.............................           2,006,872              883,110             4,345,498             1,616,530 
      Administrative charges................                  --                   --               973,805                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
        Total expenses......................           2,006,872              883,110             5,319,303             1,616,530 
                                             -------------------  -------------------  --------------------  -------------------- 
           Net investment income (loss).....         (1,579,739)              325,124           (4,216,245)           (1,597,325) 
                                             -------------------  -------------------  --------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........             101,698              659,971            52,528,266                    -- 
      Realized gains (losses) on sale of                                                                                          
        investments.........................           4,010,481            2,197,984             4,049,459                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
           Net realized gains (losses)......           4,112,179            2,857,955            56,577,725                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
      Change in unrealized gains (losses)                                                                                         
        on investments......................          41,938,391           14,178,938            61,592,202                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................          46,050,570           17,036,893           118,169,927                    -- 
                                             -------------------  -------------------  --------------------  -------------------- 
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $        44,470,831  $        17,362,017  $        113,953,682  $        (1,597,325) 
                                             ===================  ===================  ====================  ==================== 


                                                 FIDELITY VIP         FTVIPT FRANKLIN                                             
                                                   OVERSEAS          INCOME SECURITIES                                            
                                                  SUB-ACCOUNT           SUB-ACCOUNT                                               
                                             --------------------  -------------------                                            
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................. $             73,625  $        17,606,923                                            
                                             --------------------  -------------------                                            
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges.............................               68,590            3,108,880                                            
      Administrative charges................                   --              695,083                                            
                                             --------------------  -------------------                                            
        Total expenses......................               68,590            3,803,963                                            
                                             --------------------  -------------------                                            
           Net investment income (loss).....                5,035           13,802,960                                            
                                             --------------------  -------------------                                            
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions...........               20,183                   --                                            
      Realized gains (losses) on sale of                                                                                          
        investments.........................              (8,588)              335,927                                            
                                             --------------------  -------------------                                            
           Net realized gains (losses)......               11,595              335,927                                            
                                             --------------------  -------------------                                            
      Change in unrealized gains (losses)                                                                                         
        on investments......................            1,380,290           18,152,582                                            
                                             --------------------  -------------------                                            
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments......................            1,391,885           18,488,509                                            
                                             --------------------  -------------------                                            
      Net increase (decrease) in net assets                                                                                       
        resulting from operations........... $          1,396,920  $        32,291,469                                            
                                             ====================  ===================                                            

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                FTVIPT FRANKLIN                                                  FTVIPT TEMPLETON  
                                                SMALL CAP VALUE        FTVIPT MUTUAL       FTVIPT TEMPLETON         GLOBAL BOND    
                                                  SECURITIES         SHARES SECURITIES    FOREIGN SECURITIES        SECURITIES     
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          1,424,165  $          3,049,245  $          1,970,839  $         11,451,561
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................            1,177,277             1,657,493             1,284,267             2,597,751
      Administrative charges................              270,995               363,180               206,977               601,822
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................            1,448,272             2,020,673             1,491,244             3,199,573
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....             (24,107)             1,028,572               479,595             8,251,988
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........            1,837,932                    --                    --             2,956,639
      Realized gains (losses) on sale of                                                                                           
        investments.........................            1,498,054             1,531,390               527,295              (64,028)
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......            3,335,986             1,531,390               527,295             2,892,611
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................           28,858,586            31,136,595            14,782,128          (10,624,497)
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................           32,194,572            32,667,985            15,309,423           (7,731,886)
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $         32,170,465  $         33,696,557  $         15,789,018  $            520,102
                                             ====================  ====================  ====================  ====================



                                                 INVESCO V.I.          INVESCO V.I.          INVESCO V.I.          INVESCO V.I.    
                                              AMERICAN FRANCHISE      AMERICAN VALUE          CORE EQUITY        EQUITY AND INCOME 
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $                610  $            474,488  $              3,195  $          9,000,063
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................                2,011               918,743                 3,285             6,577,931
      Administrative charges................                   --               208,813                    --             1,461,723
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................                2,011             1,127,556                 3,285             8,039,654
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....              (1,401)             (653,068)                  (90)               960,409
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --                    --                    --                    --
      Realized gains (losses) on sale of                                                                                           
        investments.........................                4,184             1,362,452                11,977             2,646,648
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......                4,184             1,362,452                11,977             2,646,648
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................               44,589            21,986,708                45,509           115,194,853
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................               48,773            23,349,160                57,486           117,841,501
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $             47,372  $         22,696,092  $             57,396  $        118,801,910
                                             ====================  ====================  ====================  ====================



                                                 INVESCO V.I.          INVESCO V.I.                                                
                                              GLOBAL REAL ESTATE     GROWTH AND INCOME                                             
                                                  SUB-ACCOUNT           SUB-ACCOUNT                                                
                                             --------------------  -------------------                                             
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $          1,116,085  $         4,261,347                                             
                                             --------------------  -------------------                                             
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................              307,333            3,635,879                                             
      Administrative charges................               69,997              813,892                                             
                                             --------------------  -------------------                                             
        Total expenses......................              377,330            4,449,771                                             
                                             --------------------  -------------------                                             
           Net investment income (loss).....              738,755            (188,424)                                             
                                             --------------------  -------------------                                             
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --            2,944,746                                             
      Realized gains (losses) on sale of                                                                                           
        investments.........................              251,182            3,020,114                                             
                                             --------------------  -------------------                                             
           Net realized gains (losses)......              251,182            5,964,860                                             
                                             --------------------  -------------------                                             
      Change in unrealized gains (losses)                                                                                          
        on investments......................            (841,038)           81,951,879                                             
                                             --------------------  -------------------                                             
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................            (589,856)           87,916,739                                             
                                             --------------------  -------------------                                             
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $            148,899  $        87,728,315                                             
                                             ====================  ===================                                             

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                                               LMPVET                LMPVET        
                                                 INVESCO V.I.          JANUS ASPEN      CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE 
                                             INTERNATIONAL GROWTH    GLOBAL RESEARCH      AGGRESSIVE GROWTH       ALL CAP VALUE    
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                             --------------------  -------------------  --------------------  -------------------- 
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................   $         2,742,141  $                73   $           671,833   $         1,655,948 
                                             --------------------  -------------------  --------------------  -------------------- 
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................             2,753,046                   52             2,809,619             1,394,363 
      Administrative charges...............               625,200                   --               590,305               295,950 
                                             --------------------  -------------------  --------------------  -------------------- 
        Total expenses.....................             3,378,246                   52             3,399,924             1,690,313 
                                             --------------------  -------------------  --------------------  -------------------- 
          Net investment income (loss).....             (636,105)                   21           (2,728,091)              (34,365) 
                                             --------------------  -------------------  --------------------  -------------------- 
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                    --                   --            12,904,072             8,706,055 
      Realized gains (losses) on sale of                                                                                           
        investments........................             1,305,822                  120             4,957,428             1,486,711 
                                             --------------------  -------------------  --------------------  -------------------- 
          Net realized gains (losses)......             1,305,822                  120            17,861,500            10,192,766 
                                             --------------------  -------------------  --------------------  -------------------- 
      Change in unrealized gains (losses)                                                                                          
        on investments.....................            40,017,340                1,329            71,695,365            20,675,928 
                                             --------------------  -------------------  --------------------  -------------------- 
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................            41,323,162                1,449            89,556,865            30,868,694 
                                             --------------------  -------------------  --------------------  -------------------- 
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........   $        40,687,057  $             1,470   $        86,828,774   $        30,834,329 
                                             ====================  ===================  ====================  ==================== 


                                                    LMPVET                LMPVET                LMPVET                LMPVET       
                                             CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE  CLEARBRIDGE VARIABLE
                                                 APPRECIATION          EQUITY INCOME       LARGE CAP GROWTH       LARGE CAP VALUE  
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $         4,560,501   $         2,745,187   $            23,290    $           103,406
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................            4,021,644             1,903,271                70,000                 87,700
      Administrative charges...............              879,646               414,431                11,460                 14,558
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses.....................            4,901,290             2,317,702                81,460                102,258
                                             --------------------  --------------------  --------------------  --------------------
          Net investment income (loss).....            (340,789)               427,485              (58,170)                  1,148
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........           12,586,231                    --               491,394                307,920
      Realized gains (losses) on sale of                                                                                           
        investments........................            1,266,391               646,901               254,029                158,693
                                             --------------------  --------------------  --------------------  --------------------
          Net realized gains (losses)......           13,852,622               646,901               745,423                466,613
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments.....................           72,638,328            33,452,314               710,461              1,056,824
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................           86,490,950            34,099,215             1,455,884              1,523,437
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $        86,150,161   $        34,526,700   $         1,397,714    $         1,524,585
                                             ====================  ====================  ====================  ====================


                                                    LMPVET          LMPVET INVESTMENT                                              
                                             CLEARBRIDGE VARIABLE   COUNSEL VARIABLE                                               
                                               SMALL CAP GROWTH     SOCIAL AWARENESS                                               
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                                 
                                             --------------------  -------------------                                             
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................   $            40,622  $             2,393                                             
                                             --------------------  -------------------                                             
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................             1,051,901                3,889                                             
      Administrative charges...............               224,160                  717                                             
                                             --------------------  -------------------                                             
        Total expenses.....................             1,276,061                4,606                                             
                                             --------------------  -------------------                                             
          Net investment income (loss).....           (1,235,439)              (2,213)                                             
                                             --------------------  -------------------                                             
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........             7,305,832                   --                                             
      Realized gains (losses) on sale of                                                                                           
        investments........................             1,558,761                8,209                                             
                                             --------------------  -------------------                                             
          Net realized gains (losses)......             8,864,593                8,209                                             
                                             --------------------  -------------------                                             
      Change in unrealized gains (losses)                                                                                          
        on investments.....................            24,881,277               39,556                                             
                                             --------------------  -------------------                                             
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................            33,745,870               47,765                                             
                                             --------------------  -------------------                                             
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........   $        32,510,431  $            45,552                                             
                                             ====================  ===================                                             

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]


                                                    LMPVET                LMPVET               LMPVET            LMPVIT WESTERN    
                                              VARIABLE LIFESTYLE    VARIABLE LIFESTYLE   VARIABLE LIFESTYLE   ASSET VARIABLE GLOBAL
                                                ALLOCATION 50%        ALLOCATION 70%       ALLOCATION 85%        HIGH YIELD BOND   
                                                  SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT     
                                             --------------------  -------------------  --------------------  ---------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $            873,351  $            36,589  $          1,460,852  $         6,179,424  
                                             --------------------  -------------------  --------------------  ---------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................               438,782               35,306               975,746            1,175,968  
      Administrative charges...............                98,604                6,498               219,274              249,397  
                                             --------------------  -------------------  --------------------  ---------------------
        Total expenses.....................               537,386               41,804             1,195,020            1,425,365  
                                             --------------------  -------------------  --------------------  ---------------------
           Net investment income (loss)....               335,965              (5,215)               265,832            4,754,059  
                                             --------------------  -------------------  --------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                    --                   --                    --                   --  
      Realized gains (losses) on sale of                                                                                           
        investments........................               294,643              164,204             1,739,917               97,460  
                                             --------------------  -------------------  --------------------  ---------------------
           Net realized gains (losses).....               294,643              164,204             1,739,917               97,460  
                                             --------------------  -------------------  --------------------  ---------------------
      Change in unrealized gains (losses)                                                                                          
        on investments.....................             4,402,903              307,412            17,385,552            (303,455)  
                                             --------------------  -------------------  --------------------  ---------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................             4,697,546              471,616            19,125,469            (205,995)  
                                             --------------------  -------------------  --------------------  ---------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $          5,033,511  $           466,401  $         19,391,301  $         4,548,064  
                                             ====================  ===================  ====================  =====================


                                                                                                                     MIST          
                                                                                                               ALLIANCEBERNSTEIN   
                                                    MFS VIT              MFS VIT                                GLOBAL DYNAMIC     
                                                INVESTORS TRUST       NEW DISCOVERY       MFS VIT RESEARCH        ALLOCATION       
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT      
                                             -------------------  --------------------  -------------------  --------------------  
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $               254  $                 --  $               188  $         39,779,815  
                                             -------------------  --------------------  -------------------  --------------------  
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................                  323                   581                  798            36,599,907  
      Administrative charges...............                   --                    --                   --             7,790,779  
                                             -------------------  --------------------  -------------------  --------------------  
        Total expenses.....................                  323                   581                  798            44,390,686  
                                             -------------------  --------------------  -------------------  --------------------  
           Net investment income (loss)....                 (69)                 (581)                (610)           (4,610,871)  
                                             -------------------  --------------------  -------------------  --------------------  
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                   --                   326                  140            66,116,796  
      Realized gains (losses) on sale of                                                                                           
        investments........................                  292                 1,680                  993             6,931,021  
                                             -------------------  --------------------  -------------------  --------------------  
           Net realized gains (losses).....                  292                 2,006                1,133            73,047,817  
                                             -------------------  --------------------  -------------------  --------------------  
      Change in unrealized gains (losses)                                                                                          
        on investments.....................                5,877                12,769               14,560           213,779,983  
                                             -------------------  --------------------  -------------------  --------------------  
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................                6,169                14,775               15,693           286,827,800  
                                             -------------------  --------------------  -------------------  --------------------  
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $             6,100  $             14,194  $            15,083  $        282,216,929  
                                             ===================  ====================  ===================  ====================  



                                                MIST AMERICAN         MIST AMERICAN                                                
                                               FUNDS BALANCED         FUNDS GROWTH                                                 
                                                 ALLOCATION            ALLOCATION                                                  
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                                 
                                             -------------------  --------------------                                             
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $        45,063,018  $         16,505,934                                             
                                             -------------------  --------------------                                             
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................           42,252,390            21,762,771                                             
      Administrative charges...............            8,199,489             4,137,682                                             
                                             -------------------  --------------------                                             
        Total expenses.....................           50,451,879            25,900,453                                             
                                             -------------------  --------------------                                             
           Net investment income (loss)....          (5,388,861)           (9,394,519)                                             
                                             -------------------  --------------------                                             
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........          202,636,315            91,077,385                                             
      Realized gains (losses) on sale of                                                                                           
        investments........................           47,989,589            30,207,659                                             
                                             -------------------  --------------------                                             
           Net realized gains (losses).....          250,625,904           121,285,044                                             
                                             -------------------  --------------------                                             
      Change in unrealized gains (losses)                                                                                          
        on investments.....................          260,897,780           233,109,626                                             
                                             -------------------  --------------------                                             
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................          511,523,684           354,394,670                                             
                                             -------------------  --------------------                                             
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $       506,134,823  $        345,000,151                                             
                                             ===================  ====================                                             

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                      MIST AMERICAN          MIST AQR           MIST BLACKROCK   
                                                 MIST AMERICAN       FUNDS MODERATE         GLOBAL RISK         GLOBAL TACTICAL  
                                                 FUNDS GROWTH          ALLOCATION            BALANCED             STRATEGIES     
                                                  SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  --------------------  -------------------  ------------------- 
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $         2,634,418  $         29,195,296  $        77,169,328  $        71,277,628 
                                             -------------------  --------------------  -------------------  ------------------- 
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................            7,671,883            22,758,412           43,469,807           61,766,852 
      Administrative charges...............            1,480,530             4,420,275            9,245,161           13,128,334 
                                             -------------------  --------------------  -------------------  ------------------- 
        Total expenses.....................            9,152,413            27,178,687           52,714,968           74,895,186 
                                             -------------------  --------------------  -------------------  ------------------- 
          Net investment income (loss).....          (6,517,995)             2,016,609           24,454,360          (3,617,558) 
                                             -------------------  --------------------  -------------------  ------------------- 
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........           29,294,729            96,296,087          143,800,114          115,215,891 
      Realized gains (losses) on sale of                                                                                         
        investments........................           26,472,567            23,672,085         (12,389,834)           18,039,686 
                                             -------------------  --------------------  -------------------  ------------------- 
          Net realized gains (losses)......           55,767,296           119,968,172          131,410,280          133,255,577 
                                             -------------------  --------------------  -------------------  ------------------- 
      Change in unrealized gains (losses)                                                                                        
        on investments.....................           96,031,643            74,888,275        (347,099,092)          311,060,284 
                                             -------------------  --------------------  -------------------  ------------------- 
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................          151,798,939           194,856,447        (215,688,812)          444,315,861 
                                             -------------------  --------------------  -------------------  ------------------- 
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $       145,280,944  $        196,873,056  $     (191,234,452)  $       440,698,303 
                                             ===================  ====================  ===================  =================== 



                                               MIST BLACKROCK        MIST BLACKROCK        MIST CLARION        MIST CLEARBRIDGE  
                                                 HIGH YIELD          LARGE CAP CORE     GLOBAL REAL ESTATE   AGGRESSIVE GROWTH II
                                                 SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  -------------------  --------------------  --------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $        18,834,222  $           200,349  $         12,947,679   $           651,867
                                             -------------------  -------------------  --------------------  --------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................            3,567,603              231,165             2,622,102             1,400,541
      Administrative charges...............              670,423               38,903               472,278               257,443
                                             -------------------  -------------------  --------------------  --------------------
        Total expenses.....................            4,238,026              270,068             3,094,380             1,657,984
                                             -------------------  -------------------  --------------------  --------------------
          Net investment income (loss).....           14,596,196             (69,719)             9,853,299           (1,006,117)
                                             -------------------  -------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........            7,625,640                   --                    --                    --
      Realized gains (losses) on sale of                                                                                         
        investments........................            2,016,699              843,040              (92,999)             5,873,060
                                             -------------------  -------------------  --------------------  --------------------
          Net realized gains (losses)......            9,642,339              843,040              (92,999)             5,873,060
                                             -------------------  -------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................          (4,631,091)            3,552,916           (6,455,197)            19,911,595
                                             -------------------  -------------------  --------------------  --------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................            5,011,248            4,395,956           (6,548,196)            25,784,655
                                             -------------------  -------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $        19,607,444  $         4,326,237  $          3,305,103   $        24,778,538
                                             ===================  ===================  ====================  ====================



                                               MIST CLEARBRIDGE    MIST GOLDMAN SACHS                                            
                                               AGGRESSIVE GROWTH      MID CAP VALUE                                              
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                               
                                             -------------------  --------------------                                           
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $           804,033  $          1,444,830                                           
                                             -------------------  --------------------                                           
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................            4,918,827             2,210,823                                           
      Administrative charges...............              924,636               407,162                                           
                                             -------------------  --------------------                                           
        Total expenses.....................            5,843,463             2,617,985                                           
                                             -------------------  --------------------                                           
          Net investment income (loss).....          (5,039,430)           (1,173,155)                                           
                                             -------------------  --------------------                                           
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                   --             5,739,462                                           
      Realized gains (losses) on sale of                                                                                         
        investments........................           11,473,473             6,273,913                                           
                                             -------------------  --------------------                                           
          Net realized gains (losses)......           11,473,473            12,013,375                                           
                                             -------------------  --------------------                                           
      Change in unrealized gains (losses)                                                                                        
        on investments.....................          123,052,679            31,704,368                                           
                                             -------------------  --------------------                                           
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................          134,526,152            43,717,743                                           
                                             -------------------  --------------------                                           
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $       129,486,722  $         42,544,588                                           
                                             ===================  ====================                                           

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                    MIST             MIST INVESCO                                             
                                               HARRIS OAKMARK        BALANCED-RISK        MIST INVESCO         MIST INVESCO   
                                                INTERNATIONAL         ALLOCATION            COMSTOCK           MID CAP VALUE  
                                                 SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  -------------------  ------------------  -------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $        14,919,166  $                --  $        4,115,774  $         1,107,426
                                             -------------------  -------------------  ------------------  -------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................            8,192,161            9,997,790           4,825,998            2,046,225
      Administrative charges...............            1,525,990            2,160,902             964,548              375,754
                                             -------------------  -------------------  ------------------  -------------------
        Total expenses.....................            9,718,151           12,158,692           5,790,546            2,421,979
                                             -------------------  -------------------  ------------------  -------------------
          Net investment income (loss).....            5,201,015         (12,158,692)         (1,674,772)          (1,314,553)
                                             -------------------  -------------------  ------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........                   --            8,370,113                  --                   --
      Realized gains (losses) on sale of                                                                                      
        investments........................           11,702,177            1,706,902           9,703,108            7,722,920
                                             -------------------  -------------------  ------------------  -------------------
          Net realized gains (losses)......           11,702,177           10,077,015           9,703,108            7,722,920
                                             -------------------  -------------------  ------------------  -------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................          134,182,838            4,078,692         101,696,056           30,620,411
                                             -------------------  -------------------  ------------------  -------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................          145,885,015           14,155,707         111,399,164           38,343,331
                                             -------------------  -------------------  ------------------  -------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $       151,086,030  $         1,997,015  $      109,724,392  $        37,028,778
                                             ===================  ===================  ==================  ===================


                                                                                          MIST JPMORGAN                       
                                                MIST INVESCO         MIST JPMORGAN        GLOBAL ACTIVE        MIST JPMORGAN  
                                              SMALL CAP GROWTH         CORE BOND           ALLOCATION         SMALL CAP VALUE 
                                                 SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  ------------------  -------------------  -------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $           622,860  $          920,373  $           402,891  $           180,697
                                             -------------------  ------------------  -------------------  -------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................            3,613,388           4,330,629            6,013,719              395,814
      Administrative charges...............              684,045             828,654            1,323,733               65,410
                                             -------------------  ------------------  -------------------  -------------------
        Total expenses.....................            4,297,433           5,159,283            7,337,452              461,224
                                             -------------------  ------------------  -------------------  -------------------
          Net investment income (loss).....          (3,674,573)         (4,238,910)          (6,934,561)            (280,527)
                                             -------------------  ------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........           15,858,644           1,446,300            2,377,058                   --
      Realized gains (losses) on sale of                                                                                      
        investments........................            8,726,778          23,440,529               52,966            1,241,336
                                             -------------------  ------------------  -------------------  -------------------
          Net realized gains (losses)......           24,585,422          24,886,829            2,430,024            1,241,336
                                             -------------------  ------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................           67,501,884        (36,171,178)           53,369,009            6,048,540
                                             -------------------  ------------------  -------------------  -------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................           92,087,306        (11,284,349)           55,799,033            7,289,876
                                             -------------------  ------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $        88,412,733  $     (15,523,259)  $        48,864,472  $         7,009,349
                                             ===================  ==================  ===================  ===================



                                             MIST LOOMIS SAYLES    MIST LORD ABBETT                                           
                                               GLOBAL MARKETS       BOND DEBENTURE                                            
                                                 SUB-ACCOUNT          SUB-ACCOUNT                                             
                                             -------------------  ------------------                                          
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $         4,375,048  $       17,189,255                                          
                                             -------------------  ------------------                                          
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................            2,402,291           3,595,505                                          
      Administrative charges...............              452,881             629,148                                          
                                             -------------------  ------------------                                          
        Total expenses.....................            2,855,172           4,224,653                                          
                                             -------------------  ------------------                                          
          Net investment income (loss).....            1,519,876          12,964,602                                          
                                             -------------------  ------------------                                          
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........                   --                  --                                          
      Realized gains (losses) on sale of                                                                                      
        investments........................            5,872,725           4,166,635                                          
                                             -------------------  ------------------                                          
          Net realized gains (losses)......            5,872,725           4,166,635                                          
                                             -------------------  ------------------                                          
      Change in unrealized gains (losses)                                                                                     
        on investments.....................           18,236,473         (1,363,498)                                          
                                             -------------------  ------------------                                          
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................           24,109,198           2,803,137                                          
                                             -------------------  ------------------                                          
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $        25,629,074  $       15,767,739                                          
                                             ===================  ==================                                          

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                     MIST           MIST MET/FRANKLIN                                           
                                                MET/EATON VANCE       LOW DURATION     MIST MET/TEMPLETON      MIST METLIFE     
                                                 FLOATING RATE        TOTAL RETURN     INTERNATIONAL BOND   AGGRESSIVE STRATEGY 
                                                  SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT     
                                             -------------------  -------------------  -------------------  ------------------- 
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $         2,232,948  $           893,838  $         1,133,225  $         4,474,444 
                                             -------------------  -------------------  -------------------  ------------------- 
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................              900,105            1,094,957              716,202            8,137,841 
      Administrative charges...............              164,980              208,094              140,116            1,499,478 
                                             -------------------  -------------------  -------------------  ------------------- 
        Total expenses.....................            1,065,085            1,303,051              856,318            9,637,319 
                                             -------------------  -------------------  -------------------  ------------------- 
          Net investment income (loss).....            1,167,863            (409,213)              276,907          (5,162,875) 
                                             -------------------  -------------------  -------------------  ------------------- 
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........              265,827                   --              255,578                   -- 
      Realized gains (losses) on sale of                                                                                        
        investments........................              105,627               31,429            (156,759)            8,803,988 
                                             -------------------  -------------------  -------------------  ------------------- 
          Net realized gains (losses)......              371,454               31,429               98,819            8,803,988 
                                             -------------------  -------------------  -------------------  ------------------- 
      Change in unrealized gains (losses)                                                                                       
        on investments.....................            (202,111)              351,282            (752,953)          141,558,132 
                                             -------------------  -------------------  -------------------  ------------------- 
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................              169,343              382,711            (654,134)          150,362,120 
                                             -------------------  -------------------  -------------------  ------------------- 
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $         1,337,206  $          (26,502)  $         (377,227)  $       145,199,245 
                                             ===================  ===================  ===================  =================== 



                                                MIST METLIFE          MIST METLIFE         MIST METLIFE         MIST METLIFE    
                                                BALANCED PLUS       BALANCED STRATEGY   DEFENSIVE STRATEGY     GROWTH STRATEGY  
                                                 SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  -------------------  --------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $        65,671,911  $       149,909,646  $        65,562,565  $         84,984,230
                                             -------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................           64,042,950           99,177,562           28,901,690            82,512,768
      Administrative charges...............           13,798,627           18,629,342            5,413,398            15,126,933
                                             -------------------  -------------------  -------------------  --------------------
        Total expenses.....................           77,841,577          117,806,904           34,315,088            97,639,701
                                             -------------------  -------------------  -------------------  --------------------
          Net investment income (loss).....         (12,169,666)           32,102,742           31,247,477          (12,655,471)
                                             -------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........          106,085,395                   --           53,092,452                    --
      Realized gains (losses) on sale of                                                                                        
        investments........................            3,300,639           83,827,637           61,751,261            48,996,687
                                             -------------------  -------------------  -------------------  --------------------
          Net realized gains (losses)......          109,386,034           83,827,637          114,843,713            48,996,687
                                             -------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                       
        on investments.....................          560,925,735        1,085,370,764            8,150,548         1,250,387,461
                                             -------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................          670,311,769        1,169,198,401          122,994,261         1,299,384,148
                                             -------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $       658,142,103  $     1,201,301,143  $       154,241,738  $      1,286,728,677
                                             ===================  ===================  ===================  ====================


                                                                      MIST METLIFE                                              
                                                MIST METLIFE           MULTI-INDEX                                              
                                              MODERATE STRATEGY       TARGETED RISK                                             
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                              
                                             -------------------  -------------------                                           
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $        84,759,182  $           471,631                                           
                                             -------------------  -------------------                                           
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................           47,260,820              956,800                                           
      Administrative charges...............            8,890,601              213,949                                           
                                             -------------------  -------------------                                           
        Total expenses.....................           56,151,421            1,170,749                                           
                                             -------------------  -------------------                                           
          Net investment income (loss).....           28,607,761            (699,118)                                           
                                             -------------------  -------------------                                           
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........            6,497,219            3,615,891                                           
      Realized gains (losses) on sale of                                                                                        
        investments........................           54,428,069                1,196                                           
                                             -------------------  -------------------                                           
          Net realized gains (losses)......           60,925,288            3,617,087                                           
                                             -------------------  -------------------                                           
      Change in unrealized gains (losses)                                                                                       
        on investments.....................          327,287,238            7,257,662                                           
                                             -------------------  -------------------                                           
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................          388,212,526           10,874,749                                           
                                             -------------------  -------------------                                           
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $       416,820,287  $        10,175,631                                           
                                             ===================  ===================                                           

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                          MIST                                                
                                              MIST MFS EMERGING       MFS RESEARCH     MIST MORGAN STANLEY   MIST OPPENHEIMER 
                                               MARKETS EQUITY         INTERNATIONAL      MID CAP GROWTH        GLOBAL EQUITY  
                                                 SUB-ACCOUNT           SUB-ACCOUNT         SUB-ACCOUNT          SUB-ACCOUNT   
                                             -------------------  -------------------  -------------------  ------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $        4,811,505   $         8,275,334  $         1,254,825  $          190,049
                                             -------------------  -------------------  -------------------  ------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................           5,795,261             4,320,197            2,442,024             579,669
      Administrative charges...............           1,119,941               773,166              509,321             133,512
                                             -------------------  -------------------  -------------------  ------------------
        Total expenses.....................           6,915,202             5,093,363            2,951,345             713,181
                                             -------------------  -------------------  -------------------  ------------------
          Net investment income (loss).....         (2,103,697)             3,181,971          (1,696,520)           (523,132)
                                             -------------------  -------------------  -------------------  ------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........                  --                    --                   --                  --
      Realized gains (losses) on sale of                                                                                      
        investments........................           1,835,792               522,322            2,455,142             471,553
                                             -------------------  -------------------  -------------------  ------------------
          Net realized gains (losses)......           1,835,792               522,322            2,455,142             471,553
                                             -------------------  -------------------  -------------------  ------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................        (28,154,915)            47,772,611           64,718,433          11,622,690
                                             -------------------  -------------------  -------------------  ------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................        (26,319,123)            48,294,933           67,173,575          12,094,243
                                             -------------------  -------------------  -------------------  ------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $     (28,422,820)   $        51,476,904  $        65,477,055  $       11,571,111
                                             ===================  ===================  ===================  ==================


                                                    MIST                                                                      
                                               PIMCO INFLATION        MIST PIMCO             MIST              MIST PIONEER   
                                               PROTECTED BOND        TOTAL RETURN        PIONEER FUND        STRATEGIC INCOME 
                                                 SUB-ACCOUNT          SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT   
                                             ------------------  -------------------  -------------------  -------------------
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $       20,321,139  $        90,299,548  $         8,345,878  $        42,197,941
                                             ------------------  -------------------  -------------------  -------------------
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................          12,353,026           27,924,331            3,001,470            9,905,068
      Administrative charges...............           2,311,558            5,148,777              661,711            2,187,565
                                             ------------------  -------------------  -------------------  -------------------
        Total expenses.....................          14,664,584           33,073,108            3,663,181           12,092,633
                                             ------------------  -------------------  -------------------  -------------------
          Net investment income (loss).....           5,656,555           57,226,440            4,682,697           30,105,308
                                             ------------------  -------------------  -------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........          54,275,448           41,946,555                   --            2,413,486
      Realized gains (losses) on sale of                                                                                      
        investments........................         (9,555,213)              338,113            4,614,621              934,646
                                             ------------------  -------------------  -------------------  -------------------
          Net realized gains (losses)......          44,720,235           42,284,668            4,614,621            3,348,132
                                             ------------------  -------------------  -------------------  -------------------
      Change in unrealized gains (losses)                                                                                     
        on investments.....................       (156,230,192)        (175,186,613)           61,555,660         (32,752,219)
                                             ------------------  -------------------  -------------------  -------------------
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................       (111,509,957)        (132,901,945)           66,170,281         (29,404,087)
                                             ------------------  -------------------  -------------------  -------------------
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $    (105,853,402)  $      (75,675,505)  $        70,852,978  $           701,221
                                             ==================  ===================  ===================  ===================



                                                MIST PYRAMIS         MIST PYRAMIS                                             
                                              GOVERNMENT INCOME      MANAGED RISK                                             
                                                 SUB-ACCOUNT        SUB-ACCOUNT (a)                                           
                                             -------------------  ------------------                                          
                                                                                                                              
INVESTMENT INCOME:                                                                                                            
      Dividends............................  $        13,071,961  $          598,784                                          
                                             -------------------  ------------------                                          
EXPENSES:                                                                                                                     
      Mortality and expense risk                                                                                              
        charges............................            9,769,937             286,383                                          
      Administrative charges...............            2,114,851              60,668                                          
                                             -------------------  ------------------                                          
        Total expenses.....................           11,884,788             347,051                                          
                                             -------------------  ------------------                                          
          Net investment income (loss).....            1,187,173             251,733                                          
                                             -------------------  ------------------                                          
NET REALIZED AND CHANGE IN                                                                                                    
   UNREALIZED GAINS (LOSSES)                                                                                                  
   ON INVESTMENTS:                                                                                                            
      Realized gain distributions..........            8,128,079           1,341,853                                          
      Realized gains (losses) on sale of                                                                                      
        investments........................          (5,369,602)            (10,897)                                          
                                             -------------------  ------------------                                          
          Net realized gains (losses)......            2,758,477           1,330,956                                          
                                             -------------------  ------------------                                          
      Change in unrealized gains (losses)                                                                                     
        on investments.....................         (56,847,411)           1,889,489                                          
                                             -------------------  ------------------                                          
      Net realized and change in                                                                                              
        unrealized gains (losses)                                                                                             
        on investments.....................         (54,088,934)           3,220,445                                          
                                             -------------------  ------------------                                          
      Net increase (decrease) in net assets                                                                                   
        resulting from operations..........  $      (52,901,761)  $        3,472,178                                          
                                             ===================  ==================                                          

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                MIST SCHRODERS       MIST SSGA GROWTH         MIST SSGA        MIST T. ROWE PRICE 
                                              GLOBAL MULTI-ASSET      AND INCOME ETF         GROWTH ETF          LARGE CAP VALUE  
                                                  SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  -------------------  --------------------  ------------------- 
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $             27,512  $        38,910,462  $         10,135,199  $         9,703,207 
                                             --------------------  -------------------  --------------------  ------------------- 
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges............................             3,965,836           19,625,254             6,213,087            8,330,375 
      Administrative charges...............               856,921            3,878,354             1,204,388            1,098,308 
                                             --------------------  -------------------  --------------------  ------------------- 
        Total expenses.....................             4,822,757           23,503,608             7,417,475            9,428,683 
                                             --------------------  -------------------  --------------------  ------------------- 
           Net investment income (loss)....           (4,795,245)           15,406,854             2,717,724              274,524 
                                             --------------------  -------------------  --------------------  ------------------- 
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........             1,183,030           36,548,485            17,541,690                   -- 
      Realized gains (losses) on sale of                                                                                          
        investments........................               896,710           20,251,017             7,845,129           12,380,070 
                                             --------------------  -------------------  --------------------  ------------------- 
           Net realized gains (losses).....             2,079,740           56,799,502            25,386,819           12,380,070 
                                             --------------------  -------------------  --------------------  ------------------- 
      Change in unrealized gains (losses)                                                                                         
        on investments.....................            31,029,531           92,923,301            44,458,197          154,938,541 
                                             --------------------  -------------------  --------------------  ------------------- 
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................            33,109,271          149,722,803            69,845,016          167,318,611 
                                             --------------------  -------------------  --------------------  ------------------- 
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $         28,314,026  $       165,129,657  $         72,562,740  $       167,593,135 
                                             ====================  ===================  ====================  =================== 


                                              MIST T. ROWE PRICE    MIST THIRD AVENUE    MSF BAILLIE GIFFORD      MSF BARCLAYS    
                                                MID CAP GROWTH       SMALL CAP VALUE     INTERNATIONAL STOCK  AGGREGATE BOND INDEX
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             -------------------  --------------------  --------------------  --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $         1,085,760  $          3,116,142  $            35,486   $          5,044,056
                                             -------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges............................            6,995,212             4,315,721            2,684,850              1,989,879
      Administrative charges...............            1,307,457               772,929              516,484                370,173
                                             -------------------  --------------------  --------------------  --------------------
        Total expenses.....................            8,302,669             5,088,650            3,201,334              2,360,052
                                             -------------------  --------------------  --------------------  --------------------
           Net investment income (loss)....          (7,216,909)           (1,972,508)          (3,165,848)              2,684,004
                                             -------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........           27,440,112                    --                   --                     --
      Realized gains (losses) on sale of                                                                                          
        investments........................           16,686,809            14,422,998            1,385,436              (145,067)
                                             -------------------  --------------------  --------------------  --------------------
           Net realized gains (losses).....           44,126,921            14,422,998            1,385,436              (145,067)
                                             -------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                         
        on investments.....................          116,792,789            71,078,415           31,198,214            (8,883,122)
                                             -------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................          160,919,710            85,501,413           32,583,650            (9,028,189)
                                             -------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $       153,702,801  $         83,528,905  $        29,417,802   $        (6,344,185)
                                             ===================  ====================  ====================  ====================


                                                 MSF BLACKROCK        MSF BLACKROCK                                               
                                                  BOND INCOME     CAPITAL APPRECIATION                                            
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                                
                                             -------------------  --------------------                                            
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends............................  $         2,225,070  $            106,239                                            
                                             -------------------  --------------------                                            
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
        charges............................              836,982               189,165                                            
      Administrative charges...............              131,860                29,512                                            
                                             -------------------  --------------------                                            
        Total expenses.....................              968,842               218,677                                            
                                             -------------------  --------------------                                            
           Net investment income (loss)....            1,256,228             (112,438)                                            
                                             -------------------  --------------------                                            
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions..........            1,413,627                    --                                            
      Realized gains (losses) on sale of                                                                                          
        investments........................              102,228               691,188                                            
                                             -------------------  --------------------                                            
           Net realized gains (losses).....            1,515,855               691,188                                            
                                             -------------------  --------------------                                            
      Change in unrealized gains (losses)                                                                                         
        on investments.....................          (4,322,733)             3,229,055                                            
                                             -------------------  --------------------                                            
      Net realized and change in                                                                                                  
        unrealized gains (losses)                                                                                                 
        on investments.....................          (2,806,878)             3,920,243                                            
                                             -------------------  --------------------                                            
      Net increase (decrease) in net assets                                                                                       
        resulting from operations..........  $       (1,550,650)  $          3,807,805                                            
                                             ===================  ====================                                            

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]


                                                 MSF BLACKROCK       MSF BLACKROCK           MSF DAVIS          MSF FRONTIER    
                                                LARGE CAP VALUE      MONEY MARKET          VENTURE VALUE       MID CAP GROWTH   
                                                  SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT        SUB-ACCOUNT (a)  
                                             -------------------  -------------------  -------------------  --------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $            47,745  $                --  $         7,934,120  $                 --
                                             -------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................               45,976            6,753,002            8,428,727               758,287
      Administrative charges...............                   --            1,259,595            1,529,806               139,504
                                             -------------------  -------------------  -------------------  --------------------
        Total expenses.....................               45,976            8,012,597            9,958,533               897,791
                                             -------------------  -------------------  -------------------  --------------------
           Net investment income (loss)....                1,769          (8,012,597)          (2,024,413)             (897,791)
                                             -------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........              184,594                   --           10,467,525                    --
      Realized gains (losses) on sale of                                                                                        
        investments........................               11,833                   --           30,055,792             1,222,819
                                             -------------------  -------------------  -------------------  --------------------
           Net realized gains (losses).....              196,427                   --           40,523,317             1,222,819
                                             -------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                       
        on investments.....................              706,190                   --          130,538,788            14,503,587
                                             -------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................              902,617                   --          171,062,105            15,726,406
                                             -------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $           904,386  $       (8,012,597)  $       169,037,692  $         14,828,615
                                             ===================  ===================  ===================  ====================



                                                      MSF          MSF LOOMIS SAYLES     MSF LOOMIS SAYLES     MSF MET/ARTISAN  
                                                JENNISON GROWTH     SMALL CAP CORE       SMALL CAP GROWTH       MID CAP VALUE   
                                                  SUB-ACCOUNT         SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             -------------------  -------------------  -------------------  --------------------
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $         1,077,074  $            30,285  $                --  $          1,930,028
                                             -------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................            7,117,305              197,320                1,128             3,423,728
      Administrative charges...............            1,294,771               33,017                  283               587,956
                                             -------------------  -------------------  -------------------  --------------------
        Total expenses.....................            8,412,076              230,337                1,411             4,011,684
                                             -------------------  -------------------  -------------------  --------------------
           Net investment income (loss)....          (7,335,002)            (200,052)              (1,411)           (2,081,656)
                                             -------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........            5,112,106            1,002,384                   --                    --
      Realized gains (losses) on sale of                                                                                        
        investments........................           15,187,756              980,613               10,812             2,704,503
                                             -------------------  -------------------  -------------------  --------------------
           Net realized gains (losses).....           20,299,862            1,982,997               10,812             2,704,503
                                             -------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                       
        on investments.....................          145,943,839            2,464,698               37,804            71,939,639
                                             -------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................          166,243,701            4,447,695               48,616            74,644,142
                                             -------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $       158,908,699  $         4,247,643  $            47,205  $         72,562,486
                                             ===================  ===================  ===================  ====================


                                             MSF MET/DIMENSIONAL       MSF METLIFE                                              
                                             INTERNATIONAL SMALL      CONSERVATIVE                                              
                                                   COMPANY             ALLOCATION                                               
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                              
                                             -------------------  -------------------                                           
                                                                                                                                
INVESTMENT INCOME:                                                                                                              
      Dividends............................  $         1,008,312  $           279,202                                           
                                             -------------------  -------------------                                           
EXPENSES:                                                                                                                       
      Mortality and expense risk                                                                                                
        charges............................              786,753              132,606                                           
      Administrative charges...............              146,029               22,998                                           
                                             -------------------  -------------------                                           
        Total expenses.....................              932,782              155,604                                           
                                             -------------------  -------------------                                           
           Net investment income (loss)....               75,530              123,598                                           
                                             -------------------  -------------------                                           
NET REALIZED AND CHANGE IN                                                                                                      
   UNREALIZED GAINS (LOSSES)                                                                                                    
   ON INVESTMENTS:                                                                                                              
      Realized gain distributions..........            1,576,427               45,703                                           
      Realized gains (losses) on sale of                                                                                        
        investments........................              477,444              278,592                                           
                                             -------------------  -------------------                                           
           Net realized gains (losses).....            2,053,871              324,295                                           
                                             -------------------  -------------------                                           
      Change in unrealized gains (losses)                                                                                       
        on investments.....................           11,472,763            (227,599)                                           
                                             -------------------  -------------------                                           
      Net realized and change in                                                                                                
        unrealized gains (losses)                                                                                               
        on investments.....................           13,526,634               96,696                                           
                                             -------------------  -------------------                                           
      Net increase (decrease) in net assets                                                                                     
        resulting from operations..........  $        13,602,164  $           220,294                                           
                                             ===================  ===================                                           

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                  MSF METLIFE                                                      MSF METLIFE     
                                                CONSERVATIVE TO        MSF METLIFE           MSF METLIFE           MODERATE TO     
                                              MODERATE ALLOCATION  MID CAP STOCK INDEX   MODERATE ALLOCATION  AGGRESSIVE ALLOCATION
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT     
                                             --------------------  -------------------  --------------------  ---------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $            192,977  $         1,146,951  $            854,751   $           798,260 
                                             --------------------  -------------------  --------------------  ---------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................               113,772            1,500,758               636,285               809,065 
      Administrative charges...............                19,027              212,206               107,040               136,956 
                                             --------------------  -------------------  --------------------  ---------------------
        Total expenses.....................               132,799            1,712,964               743,325               946,021 
                                             --------------------  -------------------  --------------------  ---------------------
           Net investment income (loss)....                60,178            (566,013)               111,426             (147,761) 
                                             --------------------  -------------------  --------------------  ---------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                79,641            3,264,955               348,738                    -- 
      Realized gains (losses) on sale of                                                                                           
        investments........................               126,022            3,699,798               670,193               927,158 
                                             --------------------  -------------------  --------------------  ---------------------
           Net realized gains (losses).....               205,663            6,964,753             1,018,931               927,158 
                                             --------------------  -------------------  --------------------  ---------------------
      Change in unrealized gains (losses)                                                                                          
        on investments.....................               395,866           23,599,476             5,244,250            10,180,246 
                                             --------------------  -------------------  --------------------  ---------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................               601,529           30,564,229             6,263,181            11,107,404 
                                             --------------------  -------------------  --------------------  ---------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $            661,707  $        29,998,216  $          6,374,607   $        10,959,643 
                                             ====================  ===================  ====================  =====================



                                                  MSF METLIFE              MSF                  MSF                MSF MSCI        
                                                  STOCK INDEX       MFS TOTAL RETURN         MFS VALUE            EAFE INDEX       
                                                  SUB-ACCOUNT          SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT      
                                             -------------------  --------------------  -------------------  --------------------  
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $         8,570,152  $            938,479  $         1,008,807  $          2,867,071  
                                             -------------------  --------------------  -------------------  --------------------  
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................            7,336,639               565,222            2,492,653             1,277,623  
      Administrative charges...............            1,106,897                75,767              436,300               200,820  
                                             -------------------  --------------------  -------------------  --------------------  
        Total expenses.....................            8,443,536               640,989            2,928,953             1,478,443  
                                             -------------------  --------------------  -------------------  --------------------  
           Net investment income (loss)....              126,616               297,490          (1,920,146)             1,388,628  
                                             -------------------  --------------------  -------------------  --------------------  
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........            7,693,711                    --            1,722,437                    --  
      Realized gains (losses) on sale of                                                                                           
        investments........................           15,797,044               439,651            3,468,253             1,008,944  
                                             -------------------  --------------------  -------------------  --------------------  
           Net realized gains (losses).....           23,490,755               439,651            5,190,690             1,008,944  
                                             -------------------  --------------------  -------------------  --------------------  
      Change in unrealized gains (losses)                                                                                          
        on investments.....................          106,939,595             5,520,960           43,048,658            15,456,919  
                                             -------------------  --------------------  -------------------  --------------------  
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................          130,430,350             5,960,611           48,239,348            16,465,863  
                                             -------------------  --------------------  -------------------  --------------------  
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $       130,556,966  $          6,258,101  $        46,319,202  $         17,854,491  
                                             ===================  ====================  ===================  ====================  



                                                MSF NEUBERGER              MSF                                                     
                                               BERMAN GENESIS      RUSSELL 2000 INDEX                                              
                                                 SUB-ACCOUNT           SUB-ACCOUNT                                                 
                                             -------------------  -------------------                                              
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................  $           108,234  $         1,470,662                                              
                                             -------------------  -------------------                                              
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges............................            1,557,555            1,497,893                                              
      Administrative charges...............              252,687              252,496                                              
                                             -------------------  -------------------                                              
        Total expenses.....................            1,810,242            1,750,389                                              
                                             -------------------  -------------------                                              
           Net investment income (loss)....          (1,702,008)            (279,727)                                              
                                             -------------------  -------------------                                              
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions..........                   --                   --                                              
      Realized gains (losses) on sale of                                                                                           
        investments........................            2,307,614            2,980,519                                              
                                             -------------------  -------------------                                              
           Net realized gains (losses).....            2,307,614            2,980,519                                              
                                             -------------------  -------------------                                              
      Change in unrealized gains (losses)                                                                                          
        on investments.....................           36,584,374           32,072,788                                              
                                             -------------------  -------------------                                              
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments.....................           38,891,988           35,053,307                                              
                                             -------------------  -------------------                                              
      Net increase (decrease) in net assets                                                                                        
        resulting from operations..........  $        37,189,980  $        34,773,580                                              
                                             ===================  ===================                                              

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                                             MSF VAN ECK       MSF WESTERN ASSET 
                                               MSF T. ROWE PRICE    MSF T. ROWE PRICE      GLOBAL NATURAL         MANAGEMENT     
                                               LARGE CAP GROWTH     SMALL CAP GROWTH          RESOURCES         U.S. GOVERNMENT  
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             --------------------  -------------------  -------------------  --------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $              1,258  $            19,657  $           747,749  $          5,946,946
                                             --------------------  -------------------  -------------------  --------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................             1,153,862              125,872            1,458,759             3,638,967
      Administrative charges...............               208,703               12,195              281,714               760,986
                                             --------------------  -------------------  -------------------  --------------------
        Total expenses.....................             1,362,565              138,067            1,740,473             4,399,953
                                             --------------------  -------------------  -------------------  --------------------
           Net investment income (loss)....           (1,361,307)            (118,410)            (992,724)             1,546,993
                                             --------------------  -------------------  -------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                    --              476,803                   --                    --
      Realized gains (losses) on sale of                                                                                         
        investments........................             1,274,164              713,962          (2,668,683)                12,769
                                             --------------------  -------------------  -------------------  --------------------
           Net realized gains (losses).....             1,274,164            1,190,765          (2,668,683)                12,769
                                             --------------------  -------------------  -------------------  --------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................            29,734,972            2,047,671           13,797,608           (8,825,000)
                                             --------------------  -------------------  -------------------  --------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................            31,009,136            3,238,436           11,128,925           (8,812,231)
                                             --------------------  -------------------  -------------------  --------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $         29,647,829  $         3,120,026  $        10,136,201  $        (7,265,238)
                                             ====================  ===================  ===================  ====================


                                                                                           OPPENHEIMER VA                        
                                                   NEUBERGER         OPPENHEIMER VA       GLOBAL STRATEGIC      OPPENHEIMER VA   
                                                BERMAN GENESIS          CORE BOND              INCOME             MAIN STREET    
                                                  SUB-ACCOUNT          SUB-ACCOUNT           SUB-ACCOUNT          SUB-ACCOUNT    
                                             --------------------  -------------------  --------------------  -------------------
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $                 30  $               459  $                226  $             1,023
                                             --------------------  -------------------  --------------------  -------------------
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................                    83                  124                    62                1,303
      Administrative charges...............                    --                   --                    --                   --
                                             --------------------  -------------------  --------------------  -------------------
        Total expenses.....................                    83                  124                    62                1,303
                                             --------------------  -------------------  --------------------  -------------------
           Net investment income (loss)....                  (53)                  335                   164                (280)
                                             --------------------  -------------------  --------------------  -------------------
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........                   714                   --                    --                   --
      Realized gains (losses) on sale of                                                                                         
        investments........................                    35                (126)                     8                1,403
                                             --------------------  -------------------  --------------------  -------------------
           Net realized gains (losses).....                   749                (126)                     8                1,403
                                             --------------------  -------------------  --------------------  -------------------
      Change in unrealized gains (losses)                                                                                        
        on investments.....................                 2,197                (342)                 (240)               23,373
                                             --------------------  -------------------  --------------------  -------------------
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................                 2,946                (468)                 (232)               24,776
                                             --------------------  -------------------  --------------------  -------------------
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $              2,893  $             (133)  $               (68)  $            24,496
                                             ====================  ===================  ====================  ===================


                                                OPPENHEIMER VA                                                                   
                                                  MAIN STREET        OPPENHEIMER VA                                              
                                                   SMALL CAP              MONEY                                                  
                                                  SUB-ACCOUNT          SUB-ACCOUNT                                               
                                             -------------------  --------------------                                           
                                                                                                                                 
INVESTMENT INCOME:                                                                                                               
      Dividends............................  $           782,829  $                  1                                           
                                             -------------------  --------------------                                           
EXPENSES:                                                                                                                        
      Mortality and expense risk                                                                                                 
        charges............................            1,229,635                   103                                           
      Administrative charges...............              278,491                    --                                           
                                             -------------------  --------------------                                           
        Total expenses.....................            1,508,126                   103                                           
                                             -------------------  --------------------                                           
           Net investment income (loss)....            (725,297)                 (102)                                           
                                             -------------------  --------------------                                           
NET REALIZED AND CHANGE IN                                                                                                       
   UNREALIZED GAINS (LOSSES)                                                                                                     
   ON INVESTMENTS:                                                                                                               
      Realized gain distributions..........            1,350,984                    --                                           
      Realized gains (losses) on sale of                                                                                         
        investments........................            4,979,504                    --                                           
                                             -------------------  --------------------                                           
           Net realized gains (losses).....            6,330,488                    --                                           
                                             -------------------  --------------------                                           
      Change in unrealized gains (losses)                                                                                        
        on investments.....................           30,298,071                    --                                           
                                             -------------------  --------------------                                           
      Net realized and change in                                                                                                 
        unrealized gains (losses)                                                                                                
        on investments.....................           36,628,559                    --                                           
                                             -------------------  --------------------                                           
      Net increase (decrease) in net assets                                                                                      
        resulting from operations..........  $        35,903,262  $              (102)                                           
                                             ===================  ====================                                           

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONTINUED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                  PIONEER VCT           PIONEER VCT           PIONEER VCT                          
                                               DISCIPLINED VALUE     EMERGING MARKETS        EQUITY INCOME                         
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT                          
                                             --------------------  --------------------  --------------------                      
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $             33,900  $              6,728  $             13,722                      
                                             --------------------  --------------------  --------------------                      
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................               26,992                 9,857                 8,766                      
      Administrative charges................                5,310                 1,825                 1,488                      
                                             --------------------  --------------------  --------------------                      
        Total expenses......................               32,302                11,682                10,254                      
                                             --------------------  --------------------  --------------------                      
           Net investment income (loss).....                1,598               (4,954)                 3,468                      
                                             --------------------  --------------------  --------------------                      
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........               92,595                    --                    --                      
      Realized gains (losses) on sale of                                                                                           
        investments.........................              192,052                 (140)                17,885                      
                                             --------------------  --------------------  --------------------                      
           Net realized gains (losses)......              284,647                 (140)                17,885                      
                                             --------------------  --------------------  --------------------                      
      Change in unrealized gains (losses)                                                                                          
        on investments......................              226,657              (21,981)               119,241                      
                                             --------------------  --------------------  --------------------                      
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................              511,304              (22,121)               137,126                      
                                             --------------------  --------------------  --------------------                      
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $            512,902  $           (27,075)  $            140,594                      
                                             ====================  ====================  ====================                      


                                             PIONEER VCT IBBOTSON   PIONEER VCT IBBOTSON       PIONEER VCT                         
                                               GROWTH ALLOCATION     MODERATE ALLOCATION      MID CAP VALUE                        
                                                  SUB-ACCOUNT            SUB-ACCOUNT           SUB-ACCOUNT                         
                                             ---------------------  --------------------  --------------------                     
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $            347,071   $            683,149  $            485,690                     
                                             ---------------------  --------------------  --------------------                     
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................              275,205                380,909               744,843                     
      Administrative charges................               49,137                 73,997               163,063                     
                                             ---------------------  --------------------  --------------------                     
        Total expenses......................              324,342                454,906               907,906                     
                                             ---------------------  --------------------  --------------------                     
           Net investment income (loss).....               22,729                228,243             (422,216)                     
                                             ---------------------  --------------------  --------------------                     
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........                   --                     --                    --                     
      Realized gains (losses) on sale of                                                                                           
        investments.........................              774,226                856,488               856,609                     
                                             ---------------------  --------------------  --------------------                     
           Net realized gains (losses)......              774,226                856,488               856,609                     
                                             ---------------------  --------------------  --------------------                     
      Change in unrealized gains (losses)                                                                                          
        on investments......................            2,367,042              2,920,605            16,961,029                     
                                             ---------------------  --------------------  --------------------                     
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................            3,141,268              3,777,093            17,817,638                     
                                             ---------------------  --------------------  --------------------                     
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $          3,163,997   $          4,005,336  $         17,395,422                     
                                             =====================  ====================  ====================                     


                                                  PIONEER VCT          T. ROWE PRICE         T. ROWE PRICE         T. ROWE PRICE   
                                              REAL ESTATE SHARES       GROWTH STOCK       INTERNATIONAL STOCK      PRIME RESERVE   
                                                  SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT           SUB-ACCOUNT    
                                             --------------------  --------------------  --------------------  --------------------
                                                                                                                                   
INVESTMENT INCOME:                                                                                                                 
      Dividends............................. $              5,332  $              3,193  $              6,278  $                 90
                                             --------------------  --------------------  --------------------  --------------------
EXPENSES:                                                                                                                          
      Mortality and expense risk                                                                                                   
        charges.............................                3,363                64,013                 5,775                 6,429
      Administrative charges................                  610                    --                    --                    --
                                             --------------------  --------------------  --------------------  --------------------
        Total expenses......................                3,973                64,013                 5,775                 6,429
                                             --------------------  --------------------  --------------------  --------------------
           Net investment income (loss).....                1,359              (60,820)                   503               (6,339)
                                             --------------------  --------------------  --------------------  --------------------
NET REALIZED AND CHANGE IN                                                                                                         
   UNREALIZED GAINS (LOSSES)                                                                                                       
   ON INVESTMENTS:                                                                                                                 
      Realized gain distributions...........               11,293                    --                    --                    --
      Realized gains (losses) on sale of                                                                                           
        investments.........................                6,764               357,589                10,324                    --
                                             --------------------  --------------------  --------------------  --------------------
           Net realized gains (losses)......               18,057               357,589                10,324                    --
                                             --------------------  --------------------  --------------------  --------------------
      Change in unrealized gains (losses)                                                                                          
        on investments......................             (19,131)             2,047,793                71,247                    --
                                             --------------------  --------------------  --------------------  --------------------
      Net realized and change in                                                                                                   
        unrealized gains (losses)                                                                                                  
        on investments......................              (1,074)             2,405,382                81,571                    --
                                             --------------------  --------------------  --------------------  --------------------
      Net increase (decrease) in net assets                                                                                        
        resulting from operations........... $                285  $          2,344,562  $             82,074  $            (6,339)
                                             ====================  ====================  ====================  ====================

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF OPERATIONS -- (CONCLUDED)   
FOR THE YEAR ENDED DECEMBER 31, 2013    

                                                        [Enlarge/Download Table]

                                                                                                              UIF U.S. REAL ESTATE
                                                                                                                   SUB-ACCOUNT    
                                                                                                              --------------------
                                                                                                                                  
INVESTMENT INCOME:                                                                                                                
      Dividends.............................................................................................. $          1,095,338
                                                                                                              --------------------
EXPENSES:                                                                                                                         
      Mortality and expense risk                                                                                                  
         charges.............................................................................................            1,166,803
      Administrative charges.................................................................................              251,502
                                                                                                              --------------------
         Total expenses......................................................................................            1,418,305
                                                                                                              --------------------
           Net investment income (loss)......................................................................            (322,967)
                                                                                                              --------------------
NET REALIZED AND CHANGE IN                                                                                                        
   UNREALIZED GAINS (LOSSES)                                                                                                      
   ON INVESTMENTS:                                                                                                                
      Realized gain distributions............................................................................                   --
      Realized gains (losses) on sale of                                                                                          
         investments.........................................................................................             (34,211)
                                                                                                              --------------------
           Net realized gains (losses).......................................................................             (34,211)
                                                                                                              --------------------
      Change in unrealized gains (losses)                                                                                         
         on investments......................................................................................              392,749
                                                                                                              --------------------
      Net realized and change in                                                                                                  
         unrealized gains (losses)                                                                                                
         on investments......................................................................................              358,538
                                                                                                              --------------------
      Net increase (decrease) in net assets                                                                                       
         resulting from operations........................................................................... $             35,571
                                                                                                              ====================

(a) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS   
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                         ALGER SMALL CAP GROWTH                 AMERICAN FUNDS BOND        
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      (795,350)  $      (722,308)  $        718,730  $      1,653,836 
   Net realized gains (losses)....         8,468,060        11,906,761         1,750,573           253,909 
   Change in unrealized gains                                                                              
     (losses) on investments......         8,688,799       (5,650,965)       (7,601,790)         2,948,249 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        16,361,509         5,533,488       (5,132,487)         4,855,994 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         1,617,076         1,749,806        11,875,043        21,553,499 
   Net transfers (including fixed                                                                          
     account).....................       (2,035,008)       (2,146,454)        11,294,017         6,190,229 
   Contract charges...............           (8,421)           (8,644)       (1,263,411)       (1,049,405) 
   Transfers for contract benefits                                                                         
     and terminations.............       (4,789,042)       (4,042,118)       (9,827,827)       (9,034,568) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (5,215,395)       (4,447,410)        12,077,822        17,659,755 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        11,146,114         1,086,078         6,945,335        22,515,749 
NET ASSETS:                                                                                                
   Beginning of year..............        52,626,085        51,540,007       139,213,016       116,697,267 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $     63,772,199  $     52,626,085  $    146,158,351  $    139,213,016 
                                    ================  ================  ================  ================ 


                                                                                   AMERICAN FUNDS          
                                       AMERICAN FUNDS GLOBAL GROWTH          GLOBAL SMALL CAPITALIZATION   
                                                SUB-ACCOUNT                          SUB-ACCOUNT           
                                    -----------------------------------  ----------------------------------
                                           2013              2012              2013              2012      
                                     ----------------  ----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...   $      (526,928)  $    (1,236,453)  $      (549,405)  $        (8,448)
   Net realized gains (losses)....          3,982,592           425,004         1,957,425         (334,212)
   Change in unrealized gains                                                                              
     (losses) on investments......         65,109,148        43,480,973        25,083,432        13,744,703
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         68,564,812        42,669,524        26,491,452        13,402,043
                                     ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         23,766,765        31,342,210        10,382,354        12,386,247
   Net transfers (including fixed                                                                          
     account).....................        (8,540,368)       (1,972,607)       (3,851,967)         1,926,520
   Contract charges...............        (2,337,645)       (1,839,723)         (874,487)         (658,312)
   Transfers for contract benefits                                                                         
     and terminations.............       (17,922,689)      (19,364,261)       (6,349,695)       (5,472,040)
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......        (5,033,937)         8,165,619         (693,795)         8,182,415
                                     ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............         63,530,875        50,835,143        25,797,657        21,584,458
NET ASSETS:                                                                                                
   Beginning of year..............        251,295,328       200,460,185        98,386,346        76,801,888
                                     ----------------  ----------------  ----------------  ----------------
   End of year....................   $    314,826,203  $    251,295,328  $    124,184,003  $     98,386,346
                                     ================  ================  ================  ================



                                           AMERICAN FUNDS GROWTH          AMERICAN FUNDS GROWTH-INCOME     
                                                SUB-ACCOUNT                        SUB-ACCOUNT             
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (4,016,566)  $    (4,250,325)  $      (469,223)  $        406,074 
   Net realized gains (losses)....        16,990,100         1,880,290         6,900,940           800,760 
   Change in unrealized gains                                                                              
     (losses) on investments......       182,361,798        97,631,196        89,831,743        41,809,198 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............       195,335,332        95,261,161        96,263,460        43,016,032 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        48,884,879        88,690,008        21,737,754        34,344,085 
   Net transfers (including fixed                                                                          
     account).....................      (28,227,693)      (11,631,864)      (13,953,890)       (9,765,377) 
   Contract charges...............       (6,793,715)       (5,467,039)       (2,765,946)       (2,277,742) 
   Transfers for contract benefits                                                                         
     and terminations.............      (49,304,587)      (47,623,908)      (25,784,839)      (24,882,456) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (35,441,116)        23,967,197      (20,766,921)       (2,581,490) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............       159,894,216       119,228,358        75,496,539        40,434,542 
NET ASSETS:                                                                                                
   Beginning of year..............       696,665,988       577,437,630       312,823,451       272,388,909 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    856,560,204  $    696,665,988  $    388,319,990  $    312,823,451 
                                    ================  ================  ================  ================ 



                                            DWS I INTERNATIONAL                                            
                                                SUB-ACCOUNT                                                
                                    -----------------------------------                                    
                                           2013              2012                                          
                                     ----------------  ----------------                                    
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...   $        689,035  $        135,664                                    
   Net realized gains (losses)....          (490,812)         (950,927)                                    
   Change in unrealized gains                                                                              
     (losses) on investments......          2,799,643         3,633,463                                    
                                     ----------------  ----------------                                    
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............          2,997,866         2,818,200                                    
                                     ----------------  ----------------                                    
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........            653,441           815,123                                    
   Net transfers (including fixed                                                                          
     account).....................          (612,834)         (890,959)                                    
   Contract charges...............            (1,860)           (2,073)                                    
   Transfers for contract benefits                                                                         
     and terminations.............        (1,377,035)       (1,466,360)                                    
                                     ----------------  ----------------                                    
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......        (1,338,288)       (1,544,269)                                    
                                     ----------------  ----------------                                    
     Net increase (decrease)                                                                               
       in net assets..............          1,659,578         1,273,931                                    
NET ASSETS:                                                                                                
   Beginning of year..............         16,933,216        15,659,285                                    
                                     ----------------  ----------------                                    
   End of year....................   $     18,592,794  $     16,933,216                                    
                                     ================  ================                                    

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                        FEDERATED HIGH INCOME BOND               FEDERATED KAUFMAN          
                                                SUB-ACCOUNT                         SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2013              2012              2013               2012       
                                    ----------------  ----------------  ----------------  ----------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $          1,375  $          2,033  $          (544)  $           (620) 
   Net realized gains (losses).....               --             (596)             3,616              3,375 
   Change in unrealized gains                                                                               
     (losses) on investments.......              (4)             1,882             9,524              5,499 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............            1,371             3,319            12,596              8,254 
                                    ----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........               --                --                --                 -- 
   Net transfers (including fixed                                                                           
     account)......................               --                --                --                 -- 
   Contract charges................               --                --                --                 -- 
   Transfers for contract benefits                                                                          
     and terminations..............            (113)           (8,983)           (1,113)           (33,284) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......            (113)           (8,983)           (1,113)           (33,284) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets..............            1,258           (5,664)            11,483           (25,030) 
NET ASSETS:                                                                                                 
   Beginning of year...............           24,908            30,572            33,424             58,454 
                                    ----------------  ----------------  ----------------  ----------------- 
   End of year..................... $         26,166  $         24,908  $         44,907  $          33,424 
                                    ================  ================  ================  ================= 


                                        FIDELITY VIP ASSET MANAGER             FIDELITY VIP CONTRAFUND      
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013               2012              2013               2012      
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $        166,950  $         116,307  $    (1,697,392)  $         (6,154)
   Net realized gains (losses).....          806,245            304,655        11,601,258          2,083,421
   Change in unrealized gains                                                                               
     (losses) on investments.......       10,480,801          8,735,876       130,225,189         56,443,738
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............       11,453,996          9,156,838       140,129,055         58,521,005
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........        1,646,197          2,107,703        46,614,319         63,383,760
   Net transfers (including fixed                                                                           
     account)......................      (2,338,518)        (3,535,616)       (6,126,568)        (8,285,062)
   Contract charges................         (12,381)           (13,367)       (2,923,183)        (2,022,747)
   Transfers for contract benefits                                                                          
     and terminations..............      (8,115,163)        (9,146,543)      (36,834,423)       (29,010,195)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......      (8,819,865)       (10,587,823)           730,145         24,065,756
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets..............        2,634,131        (1,430,985)       140,859,200         82,586,761
NET ASSETS:                                                                                                 
   Beginning of year...............       85,640,352         87,071,337       471,113,726        388,526,965
                                    ----------------  -----------------  ----------------  -----------------
   End of year..................... $     88,274,483  $      85,640,352  $    611,972,926  $     471,113,726
                                    ================  =================  ================  =================


                                        FIDELITY VIP EQUITY-INCOME          FIDELITY VIP FUNDSMANAGER 50%   
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013               2012              2013             2012 (a)    
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $         58,439  $          88,287  $    (5,248,600)  $       3,619,602
   Net realized gains (losses).....          367,626            240,155        10,771,735          1,127,805
   Change in unrealized gains                                                                               
     (losses) on investments.......          916,971            493,771       141,257,707          (985,620)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............        1,343,036            822,213       146,780,842          3,761,787
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........           24,011             21,089                --            381,250
   Net transfers (including fixed                                                                           
     account)......................         (72,869)          (148,657)     1,474,414,428        440,849,283
   Contract charges................               --                 --                --                 --
   Transfers for contract benefits                                                                          
     and terminations..............        (862,819)          (661,322)      (31,224,567)        (1,169,235)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......        (911,677)          (788,890)     1,443,189,861        440,061,298
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets..............          431,359             33,323     1,589,970,703        443,823,085
NET ASSETS:                                                                                                 
   Beginning of year...............        5,523,241          5,489,918       443,823,085                 --
                                    ----------------  -----------------  ----------------  -----------------
   End of year..................... $      5,954,600  $       5,523,241  $  2,033,793,788  $     443,823,085
                                    ================  =================  ================  =================


                                       FIDELITY VIP FUNDSMANAGER 60%                                        
                                                SUB-ACCOUNT                                                 
                                    ----------------------------------                                      
                                          2013              2012                                            
                                    ----------------  ----------------                                      
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $   (31,238,110)  $   (14,844,402)                                      
   Net realized gains (losses).....      171,159,819        16,912,548                                      
   Change in unrealized gains                                                                               
     (losses) on investments.......      435,136,185       273,609,789                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............      575,057,894       275,677,935                                      
                                    ----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........        5,496,546           660,878                                      
   Net transfers (including fixed                                                                           
     account)......................               --       846,845,524                                      
   Contract charges................               --                --                                      
   Transfers for contract benefits                                                                          
     and terminations..............    (145,663,704)     (118,152,514)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......    (140,167,158)       729,353,888                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets..............      434,890,736     1,005,031,823                                      
NET ASSETS:                                                                                                 
   Beginning of year...............    3,596,633,088     2,591,601,265                                      
                                    ----------------  ----------------                                      
   End of year..................... $  4,031,523,824  $  3,596,633,088                                      
                                    ================  ================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                            FIDELITY VIP GROWTH                 FIDELITY VIP INDEX 500         
                                                SUB-ACCOUNT                           SUB-ACCOUNT              
                                    ------------------------------------  -----------------------------------  
                                          2013               2012               2013               2012        
                                    -----------------  -----------------  -----------------  ----------------  
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).... $     (1,579,739)  $     (1,080,859)  $         325,124  $        419,770  
   Net realized gains (losses).....         4,112,179          1,666,126          2,857,955         1,679,198  
   Change in unrealized gains                                                                                  
     (losses) on investments.......        41,938,391         16,522,108         14,178,938         6,239,811  
                                    -----------------  -----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations............        44,470,831         17,107,375         17,362,017         8,338,779  
                                    -----------------  -----------------  -----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from contract owners..........         3,349,924          4,112,950                 --                --  
   Net transfers (including fixed                                                                              
     account)......................       (5,049,310)        (4,169,183)        (2,603,865)       (1,951,671)  
   Contract charges................          (22,025)           (23,334)           (23,942)          (24,093)  
   Transfers for contract benefits                                                                             
     and terminations..............      (13,580,293)       (12,203,205)        (6,041,583)       (5,440,312)  
                                    -----------------  -----------------  -----------------  ----------------  
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        contract transactions......      (15,301,704)       (12,282,772)        (8,669,390)       (7,416,076)  
                                    -----------------  -----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                   
        in net assets..............        29,169,127          4,824,603          8,692,627           922,703  
NET ASSETS:                                                                                                    
   Beginning of year...............       136,799,312        131,974,709         60,984,620        60,061,917  
                                    -----------------  -----------------  -----------------  ----------------  
   End of year..................... $     165,968,439  $     136,799,312  $      69,677,247  $     60,984,620  
                                    =================  =================  =================  ================  



                                           FIDELITY VIP MID CAP                 FIDELITY VIP MONEY MARKET      
                                                SUB-ACCOUNT                            SUB-ACCOUNT             
                                    -----------------------------------  --------------------------------------
                                          2013               2012               2013                2012       
                                    ----------------  -----------------  ------------------  ------------------
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).... $    (4,216,245)  $     (2,734,101)   $     (1,597,325)   $     (1,393,275)
   Net realized gains (losses).....       56,577,725         26,034,787                  --                  --
   Change in unrealized gains                                                                                  
     (losses) on investments.......       61,592,202          9,833,446                  --                  --
                                    ----------------  -----------------  ------------------  ------------------
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations............      113,953,682         33,134,132         (1,597,325)         (1,393,275)
                                    ----------------  -----------------  ------------------  ------------------
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from contract owners..........       45,946,288         64,821,528       1,482,045,626       1,295,167,554
   Net transfers (including fixed                                                                              
     account)......................     (13,593,184)          8,880,545     (1,474,484,969)     (1,289,660,954)
   Contract charges................      (3,645,078)        (2,508,522)             (3,153)             (3,912)
   Transfers for contract benefits                                                                             
     and terminations..............     (20,912,658)       (17,196,292)         (3,464,232)         (3,518,646)
                                    ----------------  -----------------  ------------------  ------------------
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        contract transactions......        7,795,368         53,997,259           4,093,272           1,984,042
                                    ----------------  -----------------  ------------------  ------------------
     Net increase (decrease)                                                                                   
        in net assets..............      121,749,050         87,131,391           2,495,947             590,767
NET ASSETS:                                                                                                    
   Beginning of year...............      324,832,892        237,701,501          73,659,399          73,068,632
                                    ----------------  -----------------  ------------------  ------------------
   End of year..................... $    446,581,942  $     324,832,892   $      76,155,346   $      73,659,399
                                    ================  =================  ==================  ==================



                                           FIDELITY VIP OVERSEAS          FTVIPT FRANKLIN INCOME SECURITIES    
                                                SUB-ACCOUNT                          SUB-ACCOUNT               
                                    ----------------------------------  ------------------------------------   
                                          2013              2012               2013               2012         
                                    ----------------  ----------------  -----------------  -----------------   
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).... $          5,035  $         35,712  $      13,802,960  $      11,781,681   
   Net realized gains (losses).....           11,595          (91,435)            335,927          (143,328)   
   Change in unrealized gains                                                                                  
     (losses) on investments.......        1,380,290           930,242         18,152,582         12,601,025   
                                    ----------------  ----------------  -----------------  -----------------   
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations............        1,396,920           874,519         32,291,469         24,239,378   
                                    ----------------  ----------------  -----------------  -----------------   
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from contract owners..........           83,529            98,285         24,164,029         38,977,808   
   Net transfers (including fixed                                                                              
     account)......................        (260,389)           (2,174)         10,135,357          6,367,446   
   Contract charges................             (46)              (60)        (2,217,562)        (1,667,113)   
   Transfers for contract benefits                                                                             
     and terminations..............        (535,530)         (393,725)       (19,716,164)       (21,364,327)   
                                    ----------------  ----------------  -----------------  -----------------   
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        contract transactions......        (712,436)         (297,674)         12,365,660         22,313,814   
                                    ----------------  ----------------  -----------------  -----------------   
     Net increase (decrease)                                                                                   
        in net assets..............          684,484           576,845         44,657,129         46,553,192   
NET ASSETS:                                                                                                    
   Beginning of year...............        5,241,037         4,664,192        253,164,341        206,611,149   
                                    ----------------  ----------------  -----------------  -----------------   
   End of year..................... $      5,925,521  $      5,241,037  $     297,821,470  $     253,164,341   
                                    ================  ================  =================  =================   


                                              FTVIPT FRANKLIN                                                  
                                        SMALL CAP VALUE SECURITIES                                             
                                                SUB-ACCOUNT                                                    
                                    ----------------------------------                                         
                                          2013              2012                                               
                                    ----------------  ----------------                                         
                                                                                                               
INCREASE (DECREASE) IN NET ASSETS:                                                                             
FROM OPERATIONS:                                                                                               
   Net investment income (loss).... $       (24,107)  $      (382,615)                                         
   Net realized gains (losses).....        3,335,986            82,294                                         
   Change in unrealized gains                                                                                  
     (losses) on investments.......       28,858,586        11,355,727                                         
                                    ----------------  ----------------                                         
     Net increase (decrease)                                                                                   
        in net assets resulting                                                                                
        from operations............       32,170,465        11,055,406                                         
                                    ----------------  ----------------                                         
CONTRACT TRANSACTIONS:                                                                                         
   Purchase payments received                                                                                  
     from contract owners..........       18,861,799        26,752,367                                         
   Net transfers (including fixed                                                                              
     account)......................      (3,726,532)           831,747                                         
   Contract charges................      (1,067,656)         (582,013)                                         
   Transfers for contract benefits                                                                             
     and terminations..............      (4,485,166)       (2,467,131)                                         
                                    ----------------  ----------------                                         
     Net increase (decrease) in                                                                                
        net assets resulting from                                                                              
        contract transactions......        9,582,445        24,534,970                                         
                                    ----------------  ----------------                                         
     Net increase (decrease)                                                                                   
        in net assets..............       41,752,910        35,590,376                                         
NET ASSETS:                                                                                                    
   Beginning of year...............       86,296,073        50,705,697                                         
                                    ----------------  ----------------                                         
   End of year..................... $    128,048,983  $     86,296,073                                         
                                    ================  ================                                         

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                         FTVIPT                 
                                        FTVIPT MUTUAL SHARES SECURITIES       TEMPLETON FOREIGN SECURITIES      
                                                  SUB-ACCOUNT                          SUB-ACCOUNT              
                                     ------------------------------------  ------------------------------------ 
                                            2013               2012              2013               2012        
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       1,028,572  $         828,209  $         479,595  $         905,498 
   Net realized gains (losses)......         1,531,390          (351,542)            527,295          (666,651) 
   Change in unrealized gains                                                                                   
     (losses) on investments........        31,136,595         14,415,530         14,782,128         11,238,272 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............        33,696,557         14,892,197         15,789,018         11,477,119 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from contract owners...........         7,934,359         13,759,082          1,244,169          6,029,850 
   Net transfers (including fixed                                                                               
     account).......................       (3,863,825)        (3,146,458)        (3,114,726)            396,235 
   Contract charges.................       (1,093,363)          (879,739)          (910,114)          (813,888) 
   Transfers for contract benefits                                                                              
     and terminations...............      (10,375,719)       (13,377,390)        (6,075,431)        (5,310,132) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        contract transactions.......       (7,398,548)        (3,644,505)        (8,856,102)            302,065 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............        26,298,009         11,247,692          6,932,916         11,779,184 
NET ASSETS:                                                                                                     
   Beginning of year................       129,780,562        118,532,870         80,788,377         69,009,193 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $     156,078,571  $     129,780,562  $      87,721,293  $      80,788,377 
                                     =================  =================  =================  ================= 


                                                   FTVIPT                                                       
                                      TEMPLETON GLOBAL BOND SECURITIES        INVESCO V.I. AMERICAN FRANCHISE   
                                                 SUB-ACCOUNT                            SUB-ACCOUNT             
                                     ------------------------------------  ------------------------------------ 
                                           2013               2012                2013               2012       
                                     -----------------  -----------------  -----------------  ----------------- 
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       8,251,988  $       9,308,296  $         (1,401)  $         (1,969) 
   Net realized gains (losses)......         2,892,611            305,792              4,184              4,261 
   Change in unrealized gains                                                                                   
     (losses) on investments........      (10,624,497)         12,966,460             44,589              5,620 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............           520,102         22,580,548             47,372              7,912 
                                     -----------------  -----------------  -----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from contract owners...........        31,796,531         55,695,235                 --                  3 
   Net transfers (including fixed                                                                               
     account).......................        20,195,269          8,138,828            (8,489)             88,752 
   Contract charges.................       (2,382,478)        (1,598,059)                 --                 -- 
   Transfers for contract benefits                                                                              
     and terminations...............      (12,509,439)        (7,739,164)           (25,032)           (36,838) 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        contract transactions.......        37,099,883         54,496,840           (33,521)             51,917 
                                     -----------------  -----------------  -----------------  ----------------- 
     Net increase (decrease)                                                                                    
        in net assets...............        37,619,985         77,077,388             13,851             59,829 
NET ASSETS:                                                                                                     
   Beginning of year................       217,063,429        139,986,041            149,862             90,033 
                                     -----------------  -----------------  -----------------  ----------------- 
   End of year...................... $     254,683,414  $     217,063,429  $         163,713  $         149,862 
                                     =================  =================  =================  ================= 



                                          INVESCO V.I. AMERICAN VALUE            INVESCO V.I. CORE EQUITY       
                                                  SUB-ACCOUNT                           SUB-ACCOUNT             
                                     ------------------------------------  -------------------------------------
                                            2013               2012               2013               2012       
                                     -----------------  -----------------   -----------------  -----------------
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $       (653,068)  $       (396,721)   $            (90)  $         (1,291)
   Net realized gains (losses)......         1,362,452            295,908              11,977              9,182
   Change in unrealized gains                                                                                   
     (losses) on investments........        21,986,708          7,999,839              45,509             23,282
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............        22,696,092          7,899,026              57,396             31,173
                                     -----------------  -----------------   -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from contract owners...........        11,493,142         15,070,411                  --                 --
   Net transfers (including fixed                                                                               
     account).......................         (396,972)          (474,558)            (15,058)           (21,186)
   Contract charges.................         (814,387)          (538,047)                  --                 --
   Transfers for contract benefits                                                                              
     and terminations...............       (4,366,942)        (2,285,953)            (33,651)           (45,739)
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        contract transactions.......         5,914,841         11,771,853            (48,709)           (66,925)
                                     -----------------  -----------------   -----------------  -----------------
     Net increase (decrease)                                                                                    
        in net assets...............        28,610,933         19,670,879               8,687           (35,752)
NET ASSETS:                                                                                                     
   Beginning of year................        66,684,996         47,014,117             241,009            276,761
                                     -----------------  -----------------   -----------------  -----------------
   End of year...................... $      95,295,929  $      66,684,996   $         249,696  $         241,009
                                     =================  =================   =================  =================



                                        INVESCO V.I. EQUITY AND INCOME                                          
                                                  SUB-ACCOUNT                                                   
                                     ------------------------------------                                       
                                            2013               2012                                             
                                     -----------------  -----------------                                       
                                                                                                                
INCREASE (DECREASE) IN NET ASSETS:                                                                              
FROM OPERATIONS:                                                                                                
   Net investment income (loss)..... $         960,409  $       2,132,881                                       
   Net realized gains (losses)......         2,646,648            987,347                                       
   Change in unrealized gains                                                                                   
     (losses) on investments........       115,194,853         43,230,491                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets resulting                                                                                 
        from operations.............       118,801,910         46,350,719                                       
                                     -----------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                          
   Purchase payments received                                                                                   
     from contract owners...........        67,597,697         83,668,907                                       
   Net transfers (including fixed                                                                               
     account).......................         8,022,603          (305,020)                                       
   Contract charges.................       (4,836,300)        (3,578,432)                                       
   Transfers for contract benefits                                                                              
     and terminations...............      (37,208,806)       (43,547,842)                                       
                                     -----------------  -----------------                                       
     Net increase (decrease) in                                                                                 
        net assets resulting from                                                                               
        contract transactions.......        33,575,194         36,237,613                                       
                                     -----------------  -----------------                                       
     Net increase (decrease)                                                                                    
        in net assets...............       152,377,104         82,588,332                                       
NET ASSETS:                                                                                                     
   Beginning of year................       496,945,594        414,357,262                                       
                                     -----------------  -----------------                                       
   End of year...................... $     649,322,698  $     496,945,594                                       
                                     =================  =================                                       

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                      INVESCO V.I. GLOBAL REAL ESTATE      INVESCO V.I. GROWTH AND INCOME     
                                                SUB-ACCOUNT                          SUB-ACCOUNT              
                                    -----------------------------------  -----------------------------------  
                                          2013               2012              2013               2012        
                                    -----------------  ----------------  ----------------  -----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $         738,755  $      (159,936)  $      (188,424)  $        (39,401)  
   Net realized gains (losses).....           251,182            14,912         5,964,860            215,131  
   Change in unrealized gains                                                                                 
     (losses) on investments.......         (841,038)         4,220,926        81,951,879         27,777,291  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............           148,899         4,075,902        87,728,315         27,953,021  
                                    -----------------  ----------------  ----------------  -----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........         6,235,134         6,088,001        41,201,557         55,614,326  
   Net transfers (including fixed                                                                             
     account)......................         1,699,930           615,737       (9,892,159)        (3,884,258)  
   Contract charges................         (265,363)         (166,631)       (3,013,438)        (2,064,540)  
   Transfers for contract benefits                                                                            
     and terminations..............       (1,127,854)         (777,696)      (18,283,675)       (15,726,767)  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......         6,541,847         5,759,411        10,012,285         33,938,761  
                                    -----------------  ----------------  ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets..............         6,690,746         9,835,313        97,740,600         61,891,782  
NET ASSETS:                                                                                                   
   Beginning of year...............        23,302,577        13,467,264       268,230,013        206,338,231  
                                    -----------------  ----------------  ----------------  -----------------  
   End of year..................... $      29,993,323  $     23,302,577  $    365,970,613  $     268,230,013  
                                    =================  ================  ================  =================  



                                      INVESCO V.I. INTERNATIONAL GROWTH       JANUS ASPEN GLOBAL RESEARCH     
                                                 SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ------------------------------------  ------------------------------------
                                           2013               2012              2013               2012       
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $       (636,105)  $          51,882  $              21  $               1
   Net realized gains (losses).....         1,305,822             76,597                120                  9
   Change in unrealized gains                                                                                 
     (losses) on investments.......        40,017,340         24,064,007              1,329                896
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............        40,687,057         24,192,486              1,470                906
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........        29,193,980         45,143,565                 --                 --
   Net transfers (including fixed                                                                             
     account)......................         6,799,837          6,206,236                 --                 --
   Contract charges................       (2,450,016)        (1,751,462)                 --                 --
   Transfers for contract benefits                                                                            
     and terminations..............      (12,015,352)        (8,106,175)              (375)                (3)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......        21,528,449         41,492,164              (375)                (3)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............        62,215,506         65,684,650              1,095                903
NET ASSETS:                                                                                                   
   Beginning of year...............       219,783,700        154,099,050              5,653              4,750
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $     281,999,206  $     219,783,700  $           6,748  $           5,653
                                    =================  =================  =================  =================


                                            LMPVET CLEARBRIDGE                   LMPVET CLEARBRIDGE           
                                        VARIABLE AGGRESSIVE GROWTH             VARIABLE ALL CAP VALUE         
                                                SUB-ACCOUNT                          SUB-ACCOUNT              
                                    ----------------------------------  ------------------------------------  
                                          2013              2012               2013               2012        
                                    ----------------  ----------------   ----------------  -----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $    (2,728,091)  $    (1,863,351)   $       (34,365)  $         271,873  
   Net realized gains (losses).....       17,861,500         9,957,799         10,192,766          (234,300)  
   Change in unrealized gains                                                                                 
     (losses) on investments.......       71,695,365        19,162,336         20,675,928         12,653,901  
                                    ----------------  ----------------   ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       86,828,774        27,256,784         30,834,329         12,691,474  
                                    ----------------  ----------------   ----------------  -----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........       26,964,170        26,101,454          7,542,551         10,482,501  
   Net transfers (including fixed                                                                             
     account)......................      (1,165,621)       (5,078,294)        (2,438,406)        (1,374,496)  
   Contract charges................      (1,696,014)       (1,164,246)          (733,083)          (563,153)  
   Transfers for contract benefits                                                                            
     and terminations..............     (17,174,971)      (20,966,057)       (10,398,584)       (12,507,706)  
                                    ----------------  ----------------   ----------------  -----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......        6,927,564       (1,107,143)        (6,027,522)        (3,962,854)  
                                    ----------------  ----------------   ----------------  -----------------  
     Net increase (decrease)                                                                                  
        in net assets..............       93,756,338        26,149,641         24,806,807          8,728,620  
NET ASSETS:                                                                                                   
   Beginning of year...............      186,988,862       160,839,221        104,446,756         95,718,136  
                                    ----------------  ----------------   ----------------  -----------------  
   End of year..................... $    280,745,200  $    186,988,862   $    129,253,563  $     104,446,756  
                                    ================  ================   ================  =================  


                                            LMPVET CLEARBRIDGE                                                
                                           VARIABLE APPRECIATION                                              
                                                SUB-ACCOUNT                                                   
                                    -----------------------------------                                       
                                          2013               2012                                             
                                    ----------------  -----------------                                       
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $      (340,789)  $         877,895                                       
   Net realized gains (losses).....       13,852,622            276,468                                       
   Change in unrealized gains                                                                                 
     (losses) on investments.......       72,638,328         32,185,472                                       
                                    ----------------  -----------------                                       
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............       86,150,161         33,339,835                                       
                                    ----------------  -----------------                                       
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........       47,967,753         57,982,645                                       
   Net transfers (including fixed                                                                             
     account)......................        4,628,653        (4,101,720)                                       
   Contract charges................      (3,067,660)        (2,128,567)                                       
   Transfers for contract benefits                                                                            
     and terminations..............     (20,584,065)       (19,581,184)                                       
                                    ----------------  -----------------                                       
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......       28,944,681         32,171,174                                       
                                    ----------------  -----------------                                       
     Net increase (decrease)                                                                                  
        in net assets..............      115,094,842         65,511,009                                       
NET ASSETS:                                                                                                   
   Beginning of year...............      290,191,379        224,680,370                                       
                                    ----------------  -----------------                                       
   End of year..................... $    405,286,221  $     290,191,379                                       
                                    ================  =================                                       

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                           LMPVET CLEARBRIDGE                   LMPVET CLEARBRIDGE         
                                         VARIABLE EQUITY INCOME              VARIABLE LARGE CAP GROWTH     
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        427,485  $      1,935,990  $       (58,170)  $       (51,981) 
   Net realized gains (losses)....           646,901       (1,496,446)           745,423           481,453 
   Change in unrealized gains                                                                              
     (losses) on investments......        33,452,314        13,043,194           710,461           353,548 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        34,526,700        13,482,738         1,397,714           783,020 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........        27,050,110        30,792,673               648             1,459 
   Net transfers (including fixed                                                                          
     account).....................         8,008,781         2,474,161          (33,103)         (256,108) 
   Contract charges...............       (1,307,320)         (777,353)          (17,152)          (18,887) 
   Transfers for contract benefits                                                                         
     and terminations.............      (12,039,748)      (14,363,944)         (647,971)         (871,026) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......        21,711,823        18,125,537         (697,578)       (1,144,562) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        56,238,523        31,608,275           700,136         (361,542) 
NET ASSETS:                                                                                                
   Beginning of year..............       134,931,130       103,322,855         4,312,254         4,673,796 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    191,169,653  $    134,931,130  $      5,012,390  $      4,312,254 
                                    ================  ================  ================  ================ 


                                            LMPVET CLEARBRIDGE                  LMPVET CLEARBRIDGE         
                                         VARIABLE LARGE CAP VALUE            VARIABLE SMALL CAP GROWTH     
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    -----------------------------------  ----------------------------------
                                           2013              2012              2013              2012      
                                    -----------------  ----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $           1,148  $         27,751  $    (1,235,439)  $      (568,565)
   Net realized gains (losses)....            466,613            50,468         8,864,593         3,154,639
   Change in unrealized gains                                                                              
     (losses) on investments......          1,056,824           510,271        24,881,277         5,466,771
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............          1,524,585           588,490        32,510,431         8,052,845
                                    -----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........            282,593           573,803        16,380,155        16,257,772
   Net transfers (including fixed                                                                          
     account).....................            813,486           285,926         3,443,300         1,590,977
   Contract charges...............           (46,356)          (36,742)         (824,479)         (481,813)
   Transfers for contract benefits                                                                         
     and terminations.............          (424,843)         (504,347)       (3,891,881)       (3,103,064)
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......            624,880           318,640        15,107,095        14,263,872
                                    -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............          2,149,465           907,130        47,617,526        22,316,717
NET ASSETS:                                                                                                
   Beginning of year..............          4,743,489         3,836,359        64,881,494        42,564,777
                                    -----------------  ----------------  ----------------  ----------------
   End of year....................  $       6,892,954  $      4,743,489  $    112,499,020  $     64,881,494
                                    =================  ================  ================  ================


                                             LMPVET INVESTMENT                        LMPVET               
                                     COUNSEL VARIABLE SOCIAL AWARENESS   VARIABLE LIFESTYLE ALLOCATION 50% 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    -----------------------------------  ----------------------------------
                                          2013              2012               2013              2012      
                                    ----------------  -----------------  ----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        (2,213)  $         (2,313)  $        335,965  $        451,589
   Net realized gains (losses)....             8,209             18,868           294,643           110,528
   Change in unrealized gains                                                                              
     (losses) on investments......            39,556             26,419         4,402,903         2,456,921
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............            45,552             42,974         5,033,511         3,019,038
                                    ----------------  -----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........                --                 --         6,821,630         6,963,572
   Net transfers (including fixed                                                                          
     account).....................             9,338           (49,856)         3,040,842         1,186,938
   Contract charges...............             (130)              (173)         (323,071)         (208,041)
   Transfers for contract benefits                                                                         
     and terminations.............          (51,803)          (204,989)       (3,091,539)       (2,607,174)
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......          (42,595)          (255,018)         6,447,862         5,335,295
                                    ----------------  -----------------  ----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............             2,957          (212,044)        11,481,373         8,354,333
NET ASSETS:                                                                                                
   Beginning of year..............           289,329            501,373        32,620,028        24,265,695
                                    ----------------  -----------------  ----------------  ----------------
   End of year....................  $        292,286  $         289,329  $     44,101,401  $     32,620,028
                                    ================  =================  ================  ================


                                                  LMPVET                                                   
                                     VARIABLE LIFESTYLE ALLOCATION 70%                                     
                                                SUB-ACCOUNT                                                
                                    ----------------------------------                                     
                                          2013              2012                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        (5,215)  $         16,093                                     
   Net realized gains (losses)....           164,204            48,643                                     
   Change in unrealized gains                                                                              
     (losses) on investments......           307,412           296,816                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............           466,401           361,552                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........               120             3,120                                     
   Net transfers (including fixed                                                                          
     account).....................           208,852          (27,315)                                     
   Contract charges...............             (702)             (796)                                     
   Transfers for contract benefits                                                                         
     and terminations.............         (943,181)         (849,995)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......         (734,911)         (874,986)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............         (268,510)         (513,434)                                     
NET ASSETS:                                                                                                
   Beginning of year..............         2,573,509         3,086,943                                     
                                    ----------------  ----------------                                     
   End of year....................  $      2,304,999  $      2,573,509                                     
                                    ================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                  LMPVET                       LMPVIT WESTERN ASSET         
                                     VARIABLE LIFESTYLE ALLOCATION 85%    VARIABLE GLOBAL HIGH YIELD BOND   
                                                SUB-ACCOUNT                         SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2013              2012              2013               2012       
                                    ----------------  ----------------  ----------------  ----------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $        265,832  $        362,338  $      4,754,059  $       5,165,628 
   Net realized gains (losses).....        1,739,917           528,492            97,460           (68,307) 
   Change in unrealized gains                                                                               
     (losses) on investments.......       17,385,552         8,931,921         (303,455)          7,182,092 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............       19,391,301         9,822,751         4,548,064         12,279,413 
                                    ----------------  ----------------  ----------------  ----------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........        3,896,642         8,807,329        12,043,147         15,538,183 
   Net transfers (including fixed                                                                           
     account)......................         (70,391)         (793,785)         6,173,096          4,005,384 
   Contract charges................        (739,142)         (611,650)         (741,652)          (516,554) 
   Transfers for contract benefits                                                                          
     and terminations..............      (7,221,465)       (3,286,778)       (9,054,116)        (9,252,417) 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......      (4,134,356)         4,115,116         8,420,475          9,774,596 
                                    ----------------  ----------------  ----------------  ----------------- 
     Net increase (decrease)                                                                                
        in net assets..............       15,256,945        13,937,867        12,968,539         22,054,009 
NET ASSETS:                                                                                                 
   Beginning of year...............       79,817,339        65,879,472        91,771,912         69,717,903 
                                    ----------------  ----------------  ----------------  ----------------- 
   End of year..................... $     95,074,284  $     79,817,339  $    104,740,451  $      91,771,912 
                                    ================  ================  ================  ================= 


                                                  MFS VIT                              MFS VIT              
                                              INVESTORS TRUST                       NEW DISCOVERY           
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013               2012              2013               2012      
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $           (69)  $           (190)  $          (581)  $           (602)
   Net realized gains (losses).....              292              2,707             2,006              4,349
   Change in unrealized gains                                                                               
     (losses) on investments.......            5,877              2,028            12,769              3,991
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............            6,100              4,545            14,194              7,738
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........               --                 --                --                 --
   Net transfers (including fixed                                                                           
     account)......................               --                 --                --                 --
   Contract charges................               --                 --                --                 --
   Transfers for contract benefits                                                                          
     and terminations..............            (637)           (18,051)           (9,835)            (7,451)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......            (637)           (18,051)           (9,835)            (7,451)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets..............            5,463           (13,506)             4,359                287
NET ASSETS:                                                                                                 
   Beginning of year...............           20,488             33,994            41,661             41,374
                                    ----------------  -----------------  ----------------  -----------------
   End of year..................... $         25,951  $          20,488  $         46,020  $          41,661
                                    ================  =================  ================  =================


                                                                               MIST ALLIANCEBERNSTEIN       
                                             MFS VIT RESEARCH                 GLOBAL DYNAMIC ALLOCATION     
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013               2012              2013              2012       
                                    ----------------  -----------------  ----------------  -----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $          (610)  $           (299)  $    (4,610,871)  $    (31,735,651)
   Net realized gains (losses).....            1,133                603        73,047,817             68,339
   Change in unrealized gains                                                                               
     (losses) on investments.......           14,560              6,684       213,779,983        215,787,760
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............           15,083              6,988       282,216,929        184,120,448
                                    ----------------  -----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........               --                 --       248,776,609        748,915,629
   Net transfers (including fixed                                                                           
     account)......................               --                 --        93,377,580        331,990,410
   Contract charges................               --                 --      (43,781,572)       (28,058,490)
   Transfers for contract benefits                                                                          
     and terminations..............          (1,403)            (1,975)      (90,758,771)       (52,503,657)
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......          (1,403)            (1,975)       207,613,846      1,000,343,892
                                    ----------------  -----------------  ----------------  -----------------
     Net increase (decrease)                                                                                
        in net assets..............           13,680              5,013       489,830,775      1,184,464,340
NET ASSETS:                                                                                                 
   Beginning of year...............           50,155             45,142     2,823,843,417      1,639,379,077
                                    ----------------  -----------------  ----------------  -----------------
   End of year..................... $         63,835  $          50,155  $  3,313,674,192  $   2,823,843,417
                                    ================  =================  ================  =================


                                                   MIST                                                     
                                    AMERICAN FUNDS BALANCED ALLOCATION                                      
                                                SUB-ACCOUNT                                                 
                                    ----------------------------------                                      
                                          2013              2012                                            
                                    ----------------  ----------------                                      
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss).... $    (5,388,861)  $      4,444,113                                      
   Net realized gains (losses).....      250,625,904        60,128,154                                      
   Change in unrealized gains                                                                               
     (losses) on investments.......      260,897,780       273,656,262                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets resulting                                                                             
        from operations............      506,134,823       338,228,529                                      
                                    ----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners..........       29,549,572        83,164,894                                      
   Net transfers (including fixed                                                                           
     account)......................      (8,307,267)      (60,456,373)                                      
   Contract charges................     (37,993,157)      (37,328,286)                                      
   Transfers for contract benefits                                                                          
     and terminations..............    (165,057,262)     (132,325,623)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease) in                                                                             
        net assets resulting from                                                                           
        contract transactions......    (181,808,114)     (146,945,388)                                      
                                    ----------------  ----------------                                      
     Net increase (decrease)                                                                                
        in net assets..............      324,326,709       191,283,141                                      
NET ASSETS:                                                                                                 
   Beginning of year...............    3,106,060,329     2,914,777,188                                      
                                    ----------------  ----------------                                      
   End of year..................... $  3,430,387,038  $  3,106,060,329                                      
                                    ================  ================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                   MIST                                MIST                  
                                     AMERICAN FUNDS GROWTH ALLOCATION          AMERICAN FUNDS GROWTH         
                                                SUB-ACCOUNT                         SUB-ACCOUNT              
                                    ----------------------------------  ----------------------------------   
                                          2013              2012              2013              2012         
                                    ----------------  ----------------  ----------------  ----------------   
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $    (9,394,519)  $    (5,413,271)  $    (6,517,995)  $    (6,868,206)   
   Net realized gains (losses)....       121,285,044        26,669,090        55,767,296        20,415,943   
   Change in unrealized gains                                                                                
     (losses) on investments......       233,109,626       175,144,743        96,031,643        67,309,082   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       345,000,151       196,400,562       145,280,944        80,856,819   
                                    ----------------  ----------------  ----------------  ----------------   
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........        19,707,302        52,400,148        14,629,823        17,133,976   
   Net transfers (including fixed                                                                            
     account).....................        66,168,229      (72,570,860)      (37,937,636)      (78,467,843)   
   Contract charges...............      (16,411,723)      (15,855,986)       (6,691,159)       (6,678,966)   
   Transfers for contract benefits                                                                           
     and terminations.............      (82,807,176)      (62,098,994)      (28,561,135)      (20,470,993)   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......      (13,343,368)      (98,125,692)      (58,560,107)      (88,483,826)   
                                    ----------------  ----------------  ----------------  ----------------   
     Net increase (decrease)                                                                                 
       in net assets..............       331,656,783        98,274,870        86,720,837       (7,627,007)   
NET ASSETS:                                                                                                  
   Beginning of year..............     1,496,665,592     1,398,390,722       545,665,799       553,292,806   
                                    ----------------  ----------------  ----------------  ----------------   
   End of year....................  $  1,828,322,375  $  1,496,665,592  $    632,386,636  $    545,665,799   
                                    ================  ================  ================  ================   


                                                   MIST                                MIST                  
                                    AMERICAN FUNDS MODERATE ALLOCATION       AQR GLOBAL RISK BALANCED        
                                                SUB-ACCOUNT                         SUB-ACCOUNT              
                                    ----------------------------------  -----------------------------------  
                                           2013            2012                2013              2012        
                                     ---------------  ---------------    ----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...   $     2,016,609  $     8,663,944    $     24,454,360  $   (29,485,494)  
   Net realized gains (losses)....       119,968,172       39,154,321         131,410,280        13,924,436  
   Change in unrealized gains                                                                                
     (losses) on investments......        74,888,275      103,394,103       (347,099,092)       257,592,013  
                                     ---------------  ---------------    ----------------  ----------------  
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       196,873,056      151,212,368       (191,234,452)       242,030,955  
                                     ---------------  ---------------    ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........        17,989,884       43,856,551         299,929,057     1,010,258,029  
   Net transfers (including fixed                                                                            
     account).....................      (30,931,042)     (43,601,001)       (449,932,361)       701,135,494  
   Contract charges...............      (21,278,076)     (21,439,772)        (50,307,360)      (34,472,373)  
   Transfers for contract benefits                                                                           
     and terminations.............     (100,612,790)     (79,167,097)       (113,288,370)      (63,766,725)  
                                     ---------------  ---------------    ----------------  ----------------  
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......     (134,832,024)    (100,351,319)       (313,599,034)     1,613,154,425  
                                     ---------------  ---------------    ----------------  ----------------  
     Net increase (decrease)                                                                                 
       in net assets..............        62,041,032       50,861,049       (504,833,486)     1,855,185,380  
NET ASSETS:                                                                                                  
   Beginning of year..............     1,734,325,945    1,683,464,896       3,753,309,463     1,898,124,083  
                                     ---------------  ---------------    ----------------  ----------------  
   End of year....................   $ 1,796,366,977  $ 1,734,325,945    $  3,248,475,977  $  3,753,309,463  
                                     ===============  ===============    ================  ================  


                                                    MIST                                 MIST                
                                    BLACKROCK GLOBAL TACTICAL STRATEGIES         BLACKROCK HIGH YIELD        
                                                 SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -------------------------------------  ----------------------------------
                                            2013              2012               2013              2012      
                                      ----------------  ----------------   ----------------  ----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...    $    (3,617,558)  $   (58,135,263)   $     14,596,196  $     13,623,467
   Net realized gains (losses)....         133,255,577           130,203          9,642,339         5,023,228
   Change in unrealized gains                                                                                
     (losses) on investments......         311,060,284       341,923,540        (4,631,091)        14,564,761
                                      ----------------  ----------------   ----------------  ----------------
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............         440,698,303       283,918,480         19,607,444        33,211,456
                                      ----------------  ----------------   ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         411,567,881     1,312,263,362         13,943,237        20,947,935
   Net transfers (including fixed                                                                            
     account).....................        (28,640,096)       557,379,957       (26,718,376)        17,699,162
   Contract charges...............        (73,176,143)      (48,022,451)        (2,612,849)       (2,591,456)
   Transfers for contract benefits                                                                           
     and terminations.............       (149,396,119)      (91,426,698)       (16,046,952)      (13,914,636)
                                      ----------------  ----------------   ----------------  ----------------
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......         160,355,523     1,730,194,170       (31,434,940)        22,141,005
                                      ----------------  ----------------   ----------------  ----------------
     Net increase (decrease)                                                                                 
       in net assets..............         601,053,826     2,014,112,650       (11,827,496)        55,352,461
NET ASSETS:                                                                                                  
   Beginning of year..............       4,856,824,935     2,842,712,285        276,977,302       221,624,841
                                      ----------------  ----------------   ----------------  ----------------
   End of year....................    $  5,457,878,761  $  4,856,824,935   $    265,149,806  $    276,977,302
                                      ================  ================   ================  ================



                                       MIST BLACKROCK LARGE CAP CORE                                         
                                                SUB-ACCOUNT                                                  
                                    ----------------------------------                                       
                                          2013              2012                                             
                                    ----------------  ----------------                                       
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $       (69,719)  $       (98,467)                                       
   Net realized gains (losses)....           843,040           204,327                                       
   Change in unrealized gains                                                                                
     (losses) on investments......         3,552,916         1,366,663                                       
                                    ----------------  ----------------                                       
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............         4,326,237         1,472,523                                       
                                    ----------------  ----------------                                       
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........           654,278         2,809,895                                       
   Net transfers (including fixed                                                                            
     account).....................         (847,332)       (1,633,705)                                       
   Contract charges...............         (180,167)         (169,775)                                       
   Transfers for contract benefits                                                                           
     and terminations.............       (1,522,513)         (889,640)                                       
                                    ----------------  ----------------                                       
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......       (1,895,734)           116,775                                       
                                    ----------------  ----------------                                       
     Net increase (decrease)                                                                                 
       in net assets..............         2,430,503         1,589,298                                       
NET ASSETS:                                                                                                  
   Beginning of year..............        14,439,147        12,849,849                                       
                                    ----------------  ----------------                                       
   End of year....................  $     16,869,650  $     14,439,147                                       
                                    ================  ================                                       

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                       MIST                 
                                     MIST CLARION GLOBAL REAL ESTATE     CLEARBRIDGE AGGRESSIVE GROWTH II   
                                               SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2013              2012              2013               2012       
                                    ----------------  ----------------  -----------------  ---------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $      9,853,299  $        648,569  $     (1,006,117)  $    (1,256,766) 
   Net realized gains (losses)....          (92,999)       (1,249,413)          5,873,060         1,264,699 
   Change in unrealized gains                                                                               
     (losses) on investments......       (6,455,197)        35,559,210         19,911,595        14,507,523 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............         3,305,103        34,958,366         24,778,538        14,515,456 
                                    ----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         1,804,117         7,794,423          1,347,767         4,262,148 
   Net transfers (including fixed                                                                           
     account).....................        14,576,022       (2,227,782)        (5,985,835)        25,557,583 
   Contract charges...............       (1,769,594)       (1,587,295)        (1,164,663)       (1,131,367) 
   Transfers for contract benefits                                                                          
     and terminations.............      (12,559,683)       (9,066,811)        (6,729,962)       (5,149,785) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......         2,050,862       (5,087,465)       (12,532,693)        23,538,579 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets..............         5,355,965        29,870,901         12,245,845        38,054,035 
NET ASSETS:                                                                                                 
   Beginning of year..............       177,317,957       147,447,056        106,823,115        68,769,080 
                                    ----------------  ----------------  -----------------  ---------------- 
   End of year....................  $    182,673,922  $    177,317,957  $     119,068,960  $    106,823,115 
                                    ================  ================  =================  ================ 


                                                  MIST                                 MIST                 
                                      CLEARBRIDGE AGGRESSIVE GROWTH         GOLDMAN SACHS MID CAP VALUE     
                                               SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ----------------------------------  ----------------------------------- 
                                          2013              2012               2013              2012       
                                    ----------------  ----------------  -----------------  ---------------- 
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $    (5,039,430)  $    (4,519,479)  $     (1,173,155)  $    (1,395,190) 
   Net realized gains (losses)....        11,473,473         4,996,289         12,013,375           565,819 
   Change in unrealized gains                                                                               
     (losses) on investments......       123,052,679        43,727,000         31,704,368        21,341,212 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............       129,486,722        44,203,810         42,544,588        20,511,841 
                                    ----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         5,418,106         8,612,510          1,260,840         2,591,780 
   Net transfers (including fixed                                                                           
     account).....................        52,077,391       (6,817,243)            158,750       (5,769,122) 
   Contract charges...............       (3,110,264)       (2,555,203)        (1,323,450)       (1,125,130) 
   Transfers for contract benefits                                                                          
     and terminations.............      (25,033,154)      (16,051,172)       (11,814,121)       (7,693,862) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......        29,352,079      (16,811,108)       (11,717,981)      (11,996,334) 
                                    ----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                
       in net assets..............       158,838,801        27,392,702         30,826,607         8,515,507 
NET ASSETS:                                                                                                 
   Beginning of year..............       292,871,764       265,479,062        139,211,779       130,696,272 
                                    ----------------  ----------------  -----------------  ---------------- 
   End of year....................  $    451,710,565  $    292,871,764  $     170,038,386  $    139,211,779 
                                    ================  ================  =================  ================ 


                                                   MIST                                 MIST                
                                       HARRIS OAKMARK INTERNATIONAL       INVESCO BALANCED-RISK ALLOCATION  
                                                SUB-ACCOUNT                          SUB-ACCOUNT            
                                    -----------------------------------  -----------------------------------
                                          2013              2012                2013            2012 (b)    
                                    ----------------  -----------------   ----------------  ----------------
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $      5,201,015  $          91,453   $   (12,158,692)  $    (1,415,511)
   Net realized gains (losses)....        11,702,177        (1,430,384)         10,077,015         6,907,824
   Change in unrealized gains                                                                               
     (losses) on investments......       134,182,838        121,937,845          4,078,692        10,868,519
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............       151,086,030        120,598,914          1,997,015        16,360,832
                                    ----------------  -----------------   ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........        17,704,175         17,848,721        168,173,765       338,086,548
   Net transfers (including fixed                                                                           
     account).....................        27,865,479       (30,313,737)         45,607,989       313,044,735
   Contract charges...............       (5,353,619)        (4,604,462)       (10,692,799)       (1,295,053)
   Transfers for contract benefits                                                                          
     and terminations.............      (36,258,075)       (26,450,720)       (23,347,690)       (4,774,645)
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......         3,957,960       (43,520,198)        179,741,265       645,061,585
                                    ----------------  -----------------   ----------------  ----------------
     Net increase (decrease)                                                                                
       in net assets..............       155,043,990         77,078,716        181,738,280       661,422,417
NET ASSETS:                                                                                                 
   Beginning of year..............       538,939,254        461,860,538        661,422,417                --
                                    ----------------  -----------------   ----------------  ----------------
   End of year....................  $    693,983,244  $     538,939,254   $    843,160,697  $    661,422,417
                                    ================  =================   ================  ================


                                                   MIST                                                     
                                             INVESCO COMSTOCK                                               
                                                SUB-ACCOUNT                                                 
                                    -----------------------------------                                     
                                           2013              2012                                           
                                    -----------------  ----------------                                     
                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                          
FROM OPERATIONS:                                                                                            
   Net investment income (loss)...  $     (1,674,772)  $      (729,855)                                     
   Net realized gains (losses)....          9,703,108         5,346,575                                     
   Change in unrealized gains                                                                               
     (losses) on investments......        101,696,056        43,146,332                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
       in net assets resulting                                                                              
       from operations............        109,724,392        47,763,052                                     
                                    -----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                      
   Purchase payments received                                                                               
     from contract owners.........         20,478,377        22,458,903                                     
   Net transfers (including fixed                                                                           
     account).....................         11,030,539        19,211,409                                     
   Contract charges...............        (3,417,107)       (2,706,893)                                     
   Transfers for contract benefits                                                                          
     and terminations.............       (23,713,080)      (23,731,077)                                     
                                    -----------------  ----------------                                     
     Net increase (decrease) in                                                                             
       net assets resulting from                                                                            
       contract transactions......          4,378,729        15,232,342                                     
                                    -----------------  ----------------                                     
     Net increase (decrease)                                                                                
       in net assets..............        114,103,121        62,995,394                                     
NET ASSETS:                                                                                                 
   Beginning of year..............        329,458,802       266,463,408                                     
                                    -----------------  ----------------                                     
   End of year....................  $     443,561,923  $    329,458,802                                     
                                    =================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                        MIST INVESCO MID CAP VALUE         MIST INVESCO SMALL CAP GROWTH   
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (1,314,553)  $    (1,633,191)  $    (3,674,573)  $    (3,709,725) 
   Net realized gains (losses)....         7,722,920         2,663,619        24,585,422        18,783,431 
   Change in unrealized gains                                                                              
     (losses) on investments......        30,620,411        15,199,656        67,501,884        19,533,978 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        37,028,778        16,230,084        88,412,733        34,607,684 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         2,155,363         6,093,408        10,016,335        15,838,800 
   Net transfers (including fixed                                                                          
     account).....................      (10,011,007)       (3,393,066)         1,587,973       (5,702,899) 
   Contract charges...............       (1,678,656)       (1,548,008)       (2,269,655)       (1,966,440) 
   Transfers for contract benefits                                                                         
     and terminations.............       (7,603,595)       (6,237,615)      (19,026,821)      (14,981,160) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (17,137,895)       (5,085,281)       (9,692,168)       (6,811,699) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        19,890,883        11,144,803        78,720,565        27,795,985 
NET ASSETS:                                                                                                
   Beginning of year..............       138,149,492       127,004,689       240,468,780       212,672,795 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    158,040,375  $    138,149,492  $    319,189,345  $    240,468,780 
                                    ================  ================  ================  ================ 


                                                                                       MIST                
                                          MIST JPMORGAN CORE BOND        JPMORGAN GLOBAL ACTIVE ALLOCATION 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2013              2012              2013            2012 (b)     
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (4,238,910)  $      3,581,213  $    (6,934,561)  $      (253,669) 
   Net realized gains (losses)....        24,886,829         5,226,825         2,430,024         1,691,655 
   Change in unrealized gains                                                                              
     (losses) on investments......      (36,171,178)         2,725,888        53,369,009         7,508,587 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............      (15,523,259)        11,533,926        48,864,472         8,946,573 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         2,386,585         8,908,512       122,948,435       187,365,819 
   Net transfers (including fixed                                                                          
     account).....................         1,463,200       (2,442,719)       313,227,408        88,135,164 
   Contract charges...............       (3,775,856)       (4,085,255)       (6,988,131)         (274,498) 
   Transfers for contract benefits                                                                         
     and terminations.............      (19,173,185)      (16,768,257)      (13,774,602)       (1,600,923) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (19,099,256)      (14,387,719)       415,413,110       273,625,562 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............      (34,622,515)       (2,853,793)       464,277,582       282,572,135 
NET ASSETS:                                                                                                
   Beginning of year..............       346,492,447       349,346,240       282,572,135                -- 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    311,869,932  $    346,492,447  $    746,849,717  $    282,572,135 
                                    ================  ================  ================  ================ 


                                                   MIST                                                    
                                         JPMORGAN SMALL CAP VALUE        MIST LOOMIS SAYLES GLOBAL MARKETS 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013             2012        
                                    ----------------  ----------------  ----------------  ---------------  
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      (280,527)  $      (218,746)  $      1,519,876  $     1,268,388  
   Net realized gains (losses)....         1,241,336           283,760         5,872,725        2,390,289  
   Change in unrealized gains                                                                              
     (losses) on investments......         6,048,540         2,823,277        18,236,473       20,641,146  
                                    ----------------  ----------------  ----------------  ---------------  
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         7,009,349         2,888,291        25,629,074       24,299,823  
                                    ----------------  ----------------  ----------------  ---------------  
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........           370,757         2,194,628         2,604,900        5,861,547  
   Net transfers (including fixed                                                                          
     account).....................       (1,450,951)         (541,359)      (13,383,801)      (8,628,678)  
   Contract charges...............         (290,764)         (250,601)       (1,759,667)      (1,759,286)  
   Transfers for contract benefits                                                                         
     and terminations.............       (1,786,801)       (1,500,264)      (10,275,135)      (7,011,203)  
                                    ----------------  ----------------  ----------------  ---------------  
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (3,157,759)          (97,596)      (22,813,703)     (11,537,620)  
                                    ----------------  ----------------  ----------------  ---------------  
     Net increase (decrease)                                                                               
       in net assets..............         3,851,590         2,790,695         2,815,371       12,762,203  
NET ASSETS:                                                                                                
   Beginning of year..............        24,014,976        21,224,281       177,780,410      165,018,207  
                                    ----------------  ----------------  ----------------  ---------------  
   End of year....................  $     27,866,566  $     24,014,976  $    180,595,781  $   177,780,410  
                                    ================  ================  ================  ===============  



                                     MIST LORD ABBETT BOND DEBENTURE                                       
                                               SUB-ACCOUNT                                                 
                                    ----------------------------------                                     
                                          2013              2012                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $     12,964,602  $     14,699,205                                     
   Net realized gains (losses)....         4,166,635         1,754,535                                     
   Change in unrealized gains                                                                              
     (losses) on investments......       (1,363,498)        11,202,166                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        15,767,739        27,655,906                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         2,945,951         4,758,094                                     
   Net transfers (including fixed                                                                          
     account).....................         3,690,479         2,066,753                                     
   Contract charges...............       (1,551,965)       (1,668,326)                                     
   Transfers for contract benefits                                                                         
     and terminations.............      (27,568,008)      (21,909,684)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (22,483,543)      (16,753,163)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............       (6,715,804)        10,902,743                                     
NET ASSETS:                                                                                                
   Beginning of year..............       266,010,291       255,107,548                                     
                                    ----------------  ----------------                                     
   End of year....................  $    259,294,487  $    266,010,291                                     
                                    ================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                   MIST MET/FRANKLIN         
                                    MIST MET/EATON VANCE FLOATING RATE         LOW DURATION TOTAL RETURN     
                                                SUB-ACCOUNT                           SUB-ACCOUNT            
                                    ------------------------------------  -----------------------------------
                                          2013               2012               2013               2012      
                                    -----------------  ----------------   -----------------  ----------------
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $       1,167,863  $        893,371   $       (409,213)  $        118,242
   Net realized gains (losses).....           371,454           215,912              31,429            24,752
   Change in unrealized gains                                                                                
     (losses) on investments.......         (202,111)         1,524,996             351,282           737,426
                                    -----------------  ----------------   -----------------  ----------------
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............         1,337,206         2,634,279            (26,502)           880,420
                                    -----------------  ----------------   -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........         1,243,464         3,005,201           2,247,876         2,001,148
   Net transfers (including fixed                                                                            
     account)......................        31,075,652         7,696,712         100,397,861        15,509,501
   Contract charges................         (606,811)         (455,891)           (860,351)         (372,941)
   Transfers for contract benefits                                                                           
     and terminations..............       (4,130,678)       (2,380,066)         (5,061,682)       (2,070,016)
                                    -----------------  ----------------   -----------------  ----------------
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......        27,581,627         7,865,956          96,723,704        15,067,692
                                    -----------------  ----------------   -----------------  ----------------
     Net increase (decrease)                                                                                 
        in net assets..............        28,918,833        10,500,235          96,697,202        15,948,112
NET ASSETS:                                                                                                  
   Beginning of year...............        54,197,004        43,696,769          43,609,944        27,661,832
                                    -----------------  ----------------   -----------------  ----------------
   End of year..................... $      83,115,837  $     54,197,004   $     140,307,146  $     43,609,944
                                    =================  ================   =================  ================


                                                   MIST                                                      
                                     MET/TEMPLETON INTERNATIONAL BOND     MIST METLIFE AGGRESSIVE STRATEGY   
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------- 
                                           2013              2012               2013              2012       
                                    -----------------  ----------------  -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $         276,907  $      4,814,452  $     (5,162,875)  $    (5,348,850) 
   Net realized gains (losses).....            98,819         (394,426)          8,803,988       (2,155,955) 
   Change in unrealized gains                                                                                
     (losses) on investments.......         (752,953)         1,944,505        141,558,132        83,183,465 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............         (377,227)         6,364,531        145,199,245        75,678,660 
                                    -----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........           293,635         1,816,115          6,117,615        14,730,577 
   Net transfers (including fixed                                                                            
     account)......................       (1,527,452)           274,897            344,230      (36,687,365) 
   Contract charges................         (704,031)         (735,731)        (4,668,056)       (4,564,800) 
   Transfers for contract benefits                                                                           
     and terminations..............       (2,400,039)       (1,811,827)       (32,065,600)      (28,804,866) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......       (4,337,887)         (456,546)       (30,271,811)      (55,326,454) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............       (4,715,114)         5,907,985        114,927,434        20,352,206 
NET ASSETS:                                                                                                  
   Beginning of year...............        57,001,253        51,093,268        545,044,070       524,691,864 
                                    -----------------  ----------------  -----------------  ---------------- 
   End of year..................... $      52,286,139  $     57,001,253  $     659,971,504  $    545,044,070 
                                    =================  ================  =================  ================ 



                                        MIST METLIFE BALANCED PLUS         MIST METLIFE BALANCED STRATEGY    
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------- 
                                           2013              2012               2013              2012       
                                    -----------------  ----------------  -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $    (12,169,666)  $   (51,515,645)  $      32,102,742  $     38,994,505 
   Net realized gains (losses).....       109,386,034                --         83,827,637        19,597,212 
   Change in unrealized gains                                                                                
     (losses) on investments.......       560,925,735       424,121,430      1,085,370,764       737,960,714 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............       658,142,103       372,605,785      1,201,301,143       796,552,431 
                                    -----------------  ----------------  -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........       512,612,376     1,251,910,858         64,210,282       148,711,444 
   Net transfers (including fixed                                                                            
     account)......................       934,128,079       686,159,234         24,844,873     (193,862,187) 
   Contract charges................      (75,280,741)      (42,151,548)       (69,900,438)      (70,278,541) 
   Transfers for contract benefits                                                                           
     and terminations..............     (168,084,256)      (87,089,575)      (454,179,016)     (399,975,900) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......     1,203,375,458     1,808,828,969      (435,024,299)     (515,405,184) 
                                    -----------------  ----------------  -----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets..............     1,861,517,561     2,181,434,754        766,276,844       281,147,247 
NET ASSETS:                                                                                                  
   Beginning of year...............     4,593,209,415     2,411,774,661      7,045,806,333     6,764,659,086 
                                    -----------------  ----------------  -----------------  ---------------- 
   End of year..................... $   6,454,726,976  $  4,593,209,415  $   7,812,083,177  $  7,045,806,333 
                                    =================  ================  =================  ================ 



                                      MIST METLIFE DEFENSIVE STRATEGY                                        
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                          2013               2012                                            
                                    ----------------  -----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss).... $     31,247,477  $      27,979,016                                      
   Net realized gains (losses).....      114,843,713         40,608,351                                      
   Change in unrealized gains                                                                                
     (losses) on investments.......        8,150,548        131,200,155                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations............      154,241,738        199,787,522                                      
                                    ----------------  -----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners..........       15,258,041         43,475,387                                      
   Net transfers (including fixed                                                                            
     account)......................    (342,355,184)         24,870,720                                      
   Contract charges................     (21,496,345)       (22,681,295)                                      
   Transfers for contract benefits                                                                           
     and terminations..............    (165,714,842)      (141,326,271)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions......    (514,308,330)       (95,661,459)                                      
                                    ----------------  -----------------                                      
     Net increase (decrease)                                                                                 
        in net assets..............    (360,066,592)        104,126,063                                      
NET ASSETS:                                                                                                  
   Beginning of year...............    2,332,865,728      2,228,739,665                                      
                                    ----------------  -----------------                                      
   End of year..................... $  1,972,799,136  $   2,332,865,728                                      
                                    ================  =================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                       MIST METLIFE GROWTH STRATEGY      MIST METLIFE MODERATE STRATEGY   
                                                SUB-ACCOUNT                        SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $   (12,655,471)  $      1,381,851  $     28,607,761  $     37,131,263
   Net realized gains (losses)....        48,996,687      (22,087,133)        60,925,288        22,204,509
   Change in unrealized gains                                                                             
     (losses) on investments......     1,250,387,461       680,222,228       327,287,238       287,329,954
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............     1,286,728,677       659,516,946       416,820,287       346,665,726
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........        50,551,717       108,087,013        27,247,167        69,079,528
   Net transfers (including fixed                                                                         
     account).....................       738,063,707     (246,783,276)      (46,175,969)      (27,530,545)
   Contract charges...............      (53,238,434)      (48,638,262)      (35,004,574)      (35,285,870)
   Transfers for contract benefits                                                                        
     and terminations.............     (370,695,161)     (283,004,290)     (214,831,807)     (193,516,590)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......       364,681,829     (470,338,815)     (268,765,183)     (187,253,477)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............     1,651,410,506       189,178,131       148,055,104       159,412,249
NET ASSETS:                                                                                               
   Beginning of year..............     5,115,649,012     4,926,470,881     3,483,723,904     3,324,311,655
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $  6,767,059,518  $  5,115,649,012  $  3,631,779,008  $  3,483,723,904
                                    ================  ================  ================  ================


                                                  MIST                                                    
                                    METLIFE MULTI-INDEX TARGETED RISK   MIST MFS EMERGING MARKETS EQUITY  
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013            2012 (c)            2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (699,118)  $        (7,978)  $    (2,103,697)  $    (3,386,337)
   Net realized gains (losses)....         3,617,087                --         1,835,792         1,870,263
   Change in unrealized gains                                                                             
     (losses) on investments......         7,257,662            89,193      (28,154,915)        66,406,442
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        10,175,631            81,215      (28,422,820)        64,890,368
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........        48,451,797        10,581,513        18,621,868        37,141,675
   Net transfers (including fixed                                                                         
     account).....................       142,884,678           585,564        44,696,703         (611,099)
   Contract charges...............         (796,188)                --       (4,647,330)       (4,426,432)
   Transfers for contract benefits                                                                        
     and terminations.............       (2,006,845)             (313)      (22,864,787)      (17,976,417)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......       188,533,442        11,166,764        35,806,454        14,127,727
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............       198,709,073        11,247,979         7,383,634        79,018,095
NET ASSETS:                                                                                               
   Beginning of year..............        11,247,979                --       448,693,258       369,675,163
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    209,957,052  $     11,247,979  $    456,076,892  $    448,693,258
                                    ================  ================  ================  ================


                                                                                       MIST               
                                      MIST MFS RESEARCH INTERNATIONAL      MORGAN STANLEY MID CAP GROWTH  
                                                SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      3,181,971  $        858,851  $    (1,696,520)  $    (2,043,749)
   Net realized gains (losses)....           522,322       (3,635,460)         2,455,142           158,086
   Change in unrealized gains                                                                             
     (losses) on investments......        47,772,611        44,865,003        64,718,433        10,495,708
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        51,476,904        42,088,394        65,477,055         8,610,045
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         5,992,222        12,899,341        30,911,631        44,704,015
   Net transfers (including fixed                                                                         
     account).....................      (11,184,676)       (5,504,513)       (5,530,092)        10,647,959
   Contract charges...............       (2,476,702)       (2,406,377)       (2,046,240)       (1,253,613)
   Transfers for contract benefits                                                                        
     and terminations.............      (23,934,709)      (21,276,250)      (10,333,215)       (6,020,714)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......      (31,603,865)      (16,287,799)        13,002,084        48,077,647
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............        19,873,039        25,800,595        78,479,139        56,687,692
NET ASSETS:                                                                                               
   Beginning of year..............       311,615,422       285,814,827       166,100,095       109,412,403
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    331,488,461  $    311,615,422  $    244,579,234  $    166,100,095
                                    ================  ================  ================  ================



                                     MIST OPPENHEIMER GLOBAL EQUITY                                       
                                               SUB-ACCOUNT                                                
                                    ----------------------------------                                    
                                          2013              2012                                          
                                    ----------------  ----------------                                    
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (523,132)  $        (7,496)                                    
   Net realized gains (losses)....           471,553            25,191                                    
   Change in unrealized gains                                                                             
     (losses) on investments......        11,622,690         1,707,146                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        11,571,111         1,724,841                                    
                                    ----------------  ----------------                                    
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........           974,476            93,332                                    
   Net transfers (including fixed                                                                         
     account).....................        59,782,304            42,419                                    
   Contract charges...............         (334,651)          (47,022)                                    
   Transfers for contract benefits                                                                        
     and terminations.............       (3,578,136)       (1,160,102)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......        56,843,993       (1,071,373)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets..............        68,415,104           653,468                                    
NET ASSETS:                                                                                               
   Beginning of year..............         9,983,469         9,330,001                                    
                                    ----------------  ----------------                                    
   End of year....................  $     78,398,573  $      9,983,469                                    
                                    ================  ================                                    

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                MIST PIMCO                                                                   
                                         INFLATION PROTECTED BOND             MIST PIMCO TOTAL RETURN                        
                                                SUB-ACCOUNT                         SUB-ACCOUNT                              
                                    ----------------------------------  -----------------------------------                  
                                          2013              2012              2013               2012                        
                                    ----------------  ----------------  -----------------  ----------------                  
                                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                                           
FROM OPERATIONS:                                                                                                             
   Net investment income (loss)...  $      5,656,555  $     14,248,598  $      57,226,440  $     34,066,251                  
   Net realized gains (losses)....        44,720,235        63,569,905         42,284,668         8,990,391                  
   Change in unrealized gains                                                                                                
     (losses) on investments......     (156,230,192)       (6,836,618)      (175,186,613)       116,050,383                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease)                                                                                                 
       in net assets resulting                                                                                               
       from operations............     (105,853,402)        70,981,885       (75,675,505)       159,107,025                  
                                    ----------------  ----------------  -----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                       
   Purchase payments received                                                                                                
     from contract owners.........         7,816,286        37,089,098         23,558,528        78,337,791                  
   Net transfers (including fixed                                                                                            
     account).....................      (33,502,041)        43,921,625       (36,143,738)       (4,343,112)                  
   Contract charges...............       (9,760,980)      (10,805,997)       (21,824,762)      (22,953,383)                  
   Transfers for contract benefits                                                                                           
     and terminations.............      (58,283,070)      (56,743,134)      (130,498,036)     (116,536,293)                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease) in                                                                                              
       net assets resulting from                                                                                             
       contract transactions......      (93,729,805)        13,461,592      (164,908,008)      (65,494,997)                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease)                                                                                                 
       in net assets..............     (199,583,207)        84,443,477      (240,583,513)        93,612,028                  
NET ASSETS:                                                                                                                  
   Beginning of year..............     1,021,039,296       936,595,819      2,234,370,461     2,140,758,433                  
                                    ----------------  ----------------  -----------------  ----------------                  
   End of year....................  $    821,456,089  $  1,021,039,296  $   1,993,786,948  $  2,234,370,461                  
                                    ================  ================  =================  ================                  



                                             MIST PIONEER FUND             MIST PIONEER STRATEGIC INCOME                     
                                                SUB-ACCOUNT                         SUB-ACCOUNT                              
                                    ----------------------------------  -----------------------------------                  
                                          2013              2012               2013              2012                        
                                    ----------------  ----------------  -----------------  ----------------                  
                                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                                           
FROM OPERATIONS:                                                                                                             
   Net investment income (loss)...  $      4,682,697  $        111,876  $      30,105,308  $     23,818,738                  
   Net realized gains (losses)....         4,614,621           453,975          3,348,132         3,201,649                  
   Change in unrealized gains                                                                                                
     (losses) on investments......        61,555,660        15,646,585       (32,752,219)        39,967,597                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease)                                                                                                 
       in net assets resulting                                                                                               
       from operations............        70,852,978        16,212,436            701,221        66,987,984                  
                                    ----------------  ----------------  -----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                       
   Purchase payments received                                                                                                
     from contract owners.........        28,240,878        44,864,297         95,062,807       151,288,040                  
   Net transfers (including fixed                                                                                            
     account).....................       (4,702,128)         1,427,489         81,921,721        42,203,327                  
   Contract charges...............       (2,681,923)       (1,901,589)        (7,949,861)       (6,040,609)                  
   Transfers for contract benefits                                                                                           
     and terminations.............      (13,997,790)       (9,026,061)       (55,184,071)      (49,923,251)                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease) in                                                                                              
       net assets resulting from                                                                                             
       contract transactions......         6,859,037        35,364,136        113,850,596       137,527,507                  
                                    ----------------  ----------------  -----------------  ----------------                  
     Net increase (decrease)                                                                                                 
       in net assets..............        77,712,015        51,576,572        114,551,817       204,515,491                  
NET ASSETS:                                                                                                                  
   Beginning of year..............       220,043,655       168,467,083        804,777,040       600,261,549                  
                                    ----------------  ----------------  -----------------  ----------------                  
   End of year....................  $    297,755,670  $    220,043,655  $     919,328,857  $    804,777,040                  
                                    ================  ================  =================  ================                  


                                                                           MIST PYRAMIS                                      
                                      MIST PYRAMIS GOVERNMENT INCOME       MANAGED RISK     MIST SCHRODERS GLOBAL MULTI-ASSET
                                                SUB-ACCOUNT                 SUB-ACCOUNT                SUB-ACCOUNT           
                                    -----------------------------------  ----------------  ----------------------------------
                                          2013              2012             2013 (d)            2013            2012 (b)    
                                    ----------------  -----------------  ----------------  ----------------  ----------------
                                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                                           
FROM OPERATIONS:                                                                                                             
   Net investment income (loss)...  $      1,187,173  $    (10,117,810)  $        251,733  $    (4,795,245)  $        500,116
   Net realized gains (losses)....         2,758,477          1,490,373         1,330,956         2,079,740         3,101,742
   Change in unrealized gains                                                                                                
     (losses) on investments......      (56,847,411)         18,800,148         1,889,489        31,029,531         3,115,131
                                    ----------------  -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                 
       in net assets resulting                                                                                               
       from operations............      (52,901,761)         10,172,711         3,472,178        28,314,026         6,716,989
                                    ----------------  -----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                                       
   Purchase payments received                                                                                                
     from contract owners.........        63,436,489        302,268,640        11,152,445        68,362,808       102,099,034
   Net transfers (including fixed                                                                                            
     account).....................     (213,162,045)        203,505,051        64,918,197       161,034,274        84,640,438
   Contract charges...............      (12,240,571)        (8,518,130)         (309,972)       (4,470,986)         (248,694)
   Transfers for contract benefits                                                                                           
     and terminations.............      (38,279,793)       (29,014,385)         (815,619)       (9,919,594)       (1,322,606)
                                    ----------------  -----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                                              
       net assets resulting from                                                                                             
       contract transactions......     (200,245,920)        468,241,176        74,945,051       215,006,502       185,168,172
                                    ----------------  -----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                 
       in net assets..............     (253,147,681)        478,413,887        78,417,229       243,320,528       191,885,161
NET ASSETS:                                                                                                                  
   Beginning of year..............       968,887,238        490,473,351                --       191,885,161                --
                                    ----------------  -----------------  ----------------  ----------------  ----------------
   End of year....................  $    715,739,557  $     968,887,238  $     78,417,229  $    435,205,689  $    191,885,161
                                    ================  =================  ================  ================  ================

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]


                                      MIST SSGA GROWTH AND INCOME ETF           MIST SSGA GROWTH ETF         
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------- 
                                          2013              2012               2013               2012       
                                    ----------------  ----------------   -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $     15,406,854  $     13,091,362   $       2,717,724  $      1,829,679 
   Net realized gains (losses)....        56,799,502        42,136,114          25,386,819        23,356,452 
   Change in unrealized gains                                                                                
     (losses) on investments......        92,923,301        98,280,740          44,458,197        28,469,195 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       165,129,657       153,508,216          72,562,740        53,655,326 
                                    ----------------  ----------------   -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........        11,860,244        46,035,006           5,978,512        21,002,248 
   Net transfers (including fixed                                                                            
     account).....................      (37,705,533)         (195,586)           6,512,325      (12,945,274) 
   Contract charges...............      (18,210,457)      (18,086,953)         (4,933,205)       (4,790,029) 
   Transfers for contract benefits                                                                           
     and terminations.............      (64,397,713)      (50,499,266)        (18,680,473)      (17,887,141) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......     (108,453,459)      (22,746,799)        (11,122,841)      (14,620,196) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets..............        56,676,198       130,761,417          61,439,899        39,035,130 
NET ASSETS:                                                                                                  
   Beginning of year..............     1,521,502,479     1,390,741,062         448,167,959       409,132,829 
                                    ----------------  ----------------   -----------------  ---------------- 
   End of year....................  $  1,578,178,677  $  1,521,502,479   $     509,607,858  $    448,167,959 
                                    ================  ================   =================  ================ 


                                                                                        MIST                 
                                    MIST T. ROWE PRICE LARGE CAP VALUE      T. ROWE PRICE MID CAP GROWTH     
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------- 
                                          2013              2012                2013              2012       
                                    ----------------  ----------------   -----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $        274,524  $      (196,934)   $     (7,216,909)  $    (7,430,645) 
   Net realized gains (losses)....        12,380,070       (4,291,658)          44,126,921        66,125,790 
   Change in unrealized gains                                                                                
     (losses) on investments......       154,938,541        84,038,159         116,792,789       (7,225,269) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............       167,593,135        79,549,567         153,702,801        51,469,876 
                                    ----------------  ----------------   -----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         7,988,896        11,676,417           4,862,681        13,185,984 
   Net transfers (including fixed                                                                            
     account).....................         4,058,593      (16,072,648)        (21,028,467)       (5,883,360) 
   Contract charges...............       (3,122,742)       (2,725,048)         (4,805,296)       (4,454,613) 
   Transfers for contract benefits                                                                           
     and terminations.............      (55,363,943)      (42,677,000)        (31,385,247)      (25,927,937) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......      (46,439,196)      (49,798,279)        (52,356,329)      (23,079,926) 
                                    ----------------  ----------------   -----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets..............       121,153,939        29,751,288         101,346,472        28,389,950 
NET ASSETS:                                                                                                  
   Beginning of year..............       536,790,380       507,039,092         467,536,275       439,146,325 
                                    ----------------  ----------------   -----------------  ---------------- 
   End of year....................  $    657,944,319  $    536,790,380   $     568,882,747  $    467,536,275 
                                    ================  ================   =================  ================ 


                                                   MIST                                  MSF                 
                                       THIRD AVENUE SMALL CAP VALUE      BAILLIE GIFFORD INTERNATIONAL STOCK 
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ------------------------------------
                                          2013              2012                2013              2012       
                                    ----------------  -----------------   ----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $    (1,972,508)  $     (4,874,313)   $    (3,165,848)  $       (13,133) 
   Net realized gains (losses)....        14,422,998          4,677,378          1,385,436         (385,254) 
   Change in unrealized gains                                                                                
     (losses) on investments......        71,078,415         44,432,620         31,198,214           847,778 
                                    ----------------  -----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............        83,528,905         44,235,685         29,417,802           449,391 
                                    ----------------  -----------------   ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         2,497,715          6,340,050          1,422,162             3,449 
   Net transfers (including fixed                                                                            
     account).....................      (16,141,981)       (30,637,666)        282,688,482            78,870 
   Contract charges...............       (2,257,569)        (2,277,977)        (2,205,156)             (851) 
   Transfers for contract benefits                                                                           
     and terminations.............      (24,465,425)       (20,652,202)       (10,455,850)         (748,795) 
                                    ----------------  -----------------   ----------------  ---------------- 
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......      (40,367,260)       (47,227,795)        271,449,638         (667,327) 
                                    ----------------  -----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
       in net assets..............        43,161,645        (2,992,110)        300,867,440         (217,936) 
NET ASSETS:                                                                                                  
   Beginning of year..............       287,540,317        290,532,427          2,585,607         2,803,543 
                                    ----------------  -----------------   ----------------  ---------------- 
   End of year....................  $    330,701,962  $     287,540,317   $    303,453,047  $      2,585,607 
                                    ================  =================   ================  ================ 



                                     MSF BARCLAYS AGGREGATE BOND INDEX                                       
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                           2013              2012                                            
                                    -----------------  ----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $       2,684,004  $      2,743,171                                      
   Net realized gains (losses)....          (145,067)           313,783                                      
   Change in unrealized gains                                                                                
     (losses) on investments......        (8,883,122)         (228,315)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
       in net assets resulting                                                                               
       from operations............        (6,344,185)         2,828,639                                      
                                    -----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         11,149,289         8,092,766                                      
   Net transfers (including fixed                                                                            
     account).....................         15,951,296        18,316,110                                      
   Contract charges...............        (1,698,851)       (1,557,565)                                      
   Transfers for contract benefits                                                                           
     and terminations.............        (8,039,466)       (6,300,163)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease) in                                                                              
       net assets resulting from                                                                             
       contract transactions......         17,362,268        18,551,148                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
       in net assets..............         11,018,083        21,379,787                                      
NET ASSETS:                                                                                                  
   Beginning of year..............        151,553,766       130,173,979                                      
                                    -----------------  ----------------                                      
   End of year....................  $     162,571,849  $    151,553,766                                      
                                    =================  ================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                        MSF                                 
                                         MSF BLACKROCK BOND INCOME        BLACKROCK CAPITAL APPRECIATION                    
                                                SUB-ACCOUNT                         SUB-ACCOUNT                             
                                    ----------------------------------  ----------------------------------                  
                                          2013              2012              2013              2012                        
                                    ----------------  ----------------  ----------------  ----------------                  
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $      1,256,228  $        421,147  $      (112,438)  $      (164,210)                  
   Net realized gains (losses)....         1,515,855           610,488           691,188           625,272                  
   Change in unrealized gains                                                                                               
     (losses) on investments......       (4,322,733)         1,764,307         3,229,055         1,002,738                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............       (1,550,650)         2,795,942         3,807,805         1,463,800                  
                                    ----------------  ----------------  ----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........         5,100,261         7,467,492         1,032,741         1,584,174                  
   Net transfers (including fixed                                                                                           
     account).....................         1,673,798         3,261,765          (69,939)       (1,606,379)                  
   Contract charges...............         (567,749)         (523,968)         (108,766)          (99,934)                  
   Transfers for contract benefits                                                                                          
     and terminations.............       (5,292,686)       (4,651,283)       (1,221,109)         (858,701)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......           913,624         5,554,006         (367,073)         (980,840)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets..............         (637,026)         8,349,948         3,440,732           482,960                  
NET ASSETS:                                                                                                                 
   Beginning of year..............        57,888,933        49,538,985        11,831,610        11,348,650                  
                                    ----------------  ----------------  ----------------  ----------------                  
   End of year....................  $     57,251,907  $     57,888,933  $     15,272,342  $     11,831,610                  
                                    ================  ================  ================  ================                  



                                       MSF BLACKROCK LARGE CAP VALUE        MSF BLACKROCK MONEY MARKET                      
                                                SUB-ACCOUNT                         SUB-ACCOUNT                             
                                    ----------------------------------  ----------------------------------                  
                                          2013              2012              2013              2012                        
                                    ----------------  ----------------  ----------------  ----------------                  
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $          1,769  $          7,990  $    (8,012,597)  $    (9,036,407)                  
   Net realized gains (losses)....           196,427           387,537                --                --                  
   Change in unrealized gains                                                                                               
     (losses) on investments......           706,190          (36,111)                --                --                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............           904,386           359,416       (8,012,597)       (9,036,407)                  
                                    ----------------  ----------------  ----------------  ----------------                  
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........           170,505           199,805        35,808,232        73,504,419                  
   Net transfers (including fixed                                                                                           
     account).....................           180,009         (190,041)       (7,315,471)       (7,665,689)                  
   Contract charges...............             (147)             (160)       (5,349,795)       (5,431,164)                  
   Transfers for contract benefits                                                                                          
     and terminations.............         (439,359)         (282,152)     (122,897,380)     (115,886,270)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......          (88,992)         (272,548)      (99,754,414)      (55,478,704)                  
                                    ----------------  ----------------  ----------------  ----------------                  
     Net increase (decrease)                                                                                                
       in net assets..............           815,394            86,868     (107,767,011)      (64,515,111)                  
NET ASSETS:                                                                                                                 
   Beginning of year..............         2,977,532         2,890,664       569,109,901       633,625,012                  
                                    ----------------  ----------------  ----------------  ----------------                  
   End of year....................  $      3,792,926  $      2,977,532  $    461,342,890  $    569,109,901                  
                                    ================  ================  ================  ================                  


                                                                          MSF FRONTIER                                      
                                          MSF DAVIS VENTURE VALUE        MID CAP GROWTH           MSF JENNISON GROWTH       
                                                SUB-ACCOUNT                SUB-ACCOUNT                SUB-ACCOUNT           
                                    ----------------------------------  ----------------  ----------------------------------
                                          2013              2012            2013 (d)            2013              2012      
                                    ----------------  ----------------  ----------------  ----------------  ----------------
                                                                                                                            
INCREASE (DECREASE) IN NET ASSETS:                                                                                          
FROM OPERATIONS:                                                                                                            
   Net investment income (loss)...  $    (2,024,413)  $    (5,420,518)  $      (897,791)  $    (7,335,002)  $    (6,766,082)
   Net realized gains (losses)....        40,523,317        16,667,444         1,222,819        20,299,862        52,244,975
   Change in unrealized gains                                                                                               
     (losses) on investments......       130,538,788        50,920,457        14,503,587       145,943,839      (18,349,887)
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                
       in net assets resulting                                                                                              
       from operations............       169,037,692        62,167,383        14,828,615       158,908,699        27,129,006
                                    ----------------  ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                                      
   Purchase payments received                                                                                               
     from contract owners.........         5,918,436        14,661,575           339,204         3,447,603        10,762,342
   Net transfers (including fixed                                                                                           
     account).....................      (37,323,562)      (59,639,705)        73,026,037       (2,923,592)       213,225,860
   Contract charges...............       (4,862,149)       (5,059,157)         (461,156)       (3,962,178)       (3,408,013)
   Transfers for contract benefits                                                                                          
     and terminations.............      (46,536,304)      (38,956,468)       (4,081,537)      (38,611,159)      (27,116,459)
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                                             
       net assets resulting from                                                                                            
       contract transactions......      (82,803,579)      (88,993,755)        68,822,548      (42,049,326)       193,463,730
                                    ----------------  ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                                                
       in net assets..............        86,234,113      (26,826,372)        83,651,163       116,859,373       220,592,736
NET ASSETS:                                                                                                                 
   Beginning of year..............       572,327,325       599,153,697                --       468,764,846       248,172,110
                                    ----------------  ----------------  ----------------  ----------------  ----------------
   End of year....................  $    658,561,438  $    572,327,325  $     83,651,163  $    585,624,219  $    468,764,846
                                    ================  ================  ================  ================  ================

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                         MSF                 
                                     MSF LOOMIS SAYLES SMALL CAP CORE      LOOMIS SAYLES SMALL CAP GROWTH    
                                                SUB-ACCOUNT                          SUB-ACCOUNT             
                                    -----------------------------------  ----------------------------------  
                                          2013              2012               2013            2012 (b)      
                                    ----------------  -----------------  ----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $      (200,052)  $       (204,728)  $        (1,411)  $          (109)  
   Net realized gains (losses)....         1,982,997            586,780            10,812                 1  
   Change in unrealized gains                                                                                
     (losses) on investments......         2,464,698            882,105            37,804             1,023  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations...........         4,247,643          1,264,157            47,205               915  
                                    ----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........           344,417          1,667,845            71,019            37,207  
   Net transfers (including fixed                                                                            
     account).....................       (1,074,960)          (236,709)            72,654             2,807  
   Contract charges...............         (173,285)          (146,127)             (292)                --  
   Transfers for contract benefits                                                                           
     and terminations.............       (1,065,267)          (534,188)           (4,711)               (2)  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions.....       (1,969,095)            750,821           138,670            40,012  
                                    ----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets.............         2,278,548          2,014,978           185,875            40,927  
NET ASSETS:                                                                                                  
   Beginning of year..............        12,332,225         10,317,247            40,927                --  
                                    ----------------  -----------------  ----------------  ----------------  
   End of year....................  $     14,610,773  $      12,332,225  $        226,802  $         40,927  
                                    ================  =================  ================  ================  


                                                                                MSF MET/DIMENSIONAL          
                                      MSF MET/ARTISAN MID CAP VALUE         INTERNATIONAL SMALL COMPANY      
                                               SUB-ACCOUNT                          SUB-ACCOUNT              
                                    ----------------------------------  -----------------------------------  
                                          2013              2012               2013              2012        
                                    ----------------  ----------------  -----------------  ----------------  
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $    (2,081,656)  $    (1,777,619)  $          75,530  $        301,440  
   Net realized gains (losses)....         2,704,503       (3,905,883)          2,053,871         3,990,436  
   Change in unrealized gains                                                                                
     (losses) on investments......        71,939,639        26,191,820         11,472,763         3,392,556  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations...........        72,562,486        20,508,318         13,602,164         7,684,432  
                                    ----------------  ----------------  -----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........         2,406,731         4,670,705            946,915         2,031,164  
   Net transfers (including fixed                                                                            
     account).....................        15,760,862       (4,614,193)          2,187,268       (1,495,504)  
   Contract charges...............       (1,572,787)       (1,472,349)          (559,879)         (519,052)  
   Transfers for contract benefits                                                                           
     and terminations.............      (20,643,858)      (17,348,925)        (2,632,342)       (2,307,911)  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions.....       (4,049,052)      (18,764,762)           (58,038)       (2,291,303)  
                                    ----------------  ----------------  -----------------  ----------------  
     Net increase (decrease)                                                                                 
        in net assets.............        68,513,434         1,743,556         13,544,126         5,393,129  
NET ASSETS:                                                                                                  
   Beginning of year..............       217,257,576       215,514,020         52,618,293        47,225,164  
                                    ----------------  ----------------  -----------------  ----------------  
   End of year....................  $    285,771,010  $    217,257,576  $      66,162,419  $     52,618,293  
                                    ================  ================  =================  ================  


                                                                                      MSF METLIFE            
                                    MSF METLIFE CONSERVATIVE ALLOCATION   CONSERVATIVE TO MODERATE ALLOCATION
                                                SUB-ACCOUNT                           SUB-ACCOUNT            
                                    ------------------------------------  -----------------------------------
                                          2013               2012               2013              2012       
                                    -----------------  ----------------   ----------------  ---------------- 
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $         123,598  $        152,780   $         60,178  $         85,571 
   Net realized gains (losses)....            324,295           493,943            205,663           122,762 
   Change in unrealized gains                                                                                
     (losses) on investments......          (227,599)            57,363            395,866           444,706 
                                    -----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations...........            220,294           704,086            661,707           653,039 
                                    -----------------  ----------------   ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........                 --            26,093                 --             7,045 
   Net transfers (including fixed                                                                            
     account).....................          (726,171)         (539,314)            151,035           495,113 
   Contract charges...............           (83,224)          (83,156)           (63,032)          (61,615) 
   Transfers for contract benefits                                                                           
     and terminations.............        (1,568,517)         (848,031)          (594,121)         (660,740) 
                                    -----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions.....        (2,377,912)       (1,444,408)          (506,118)         (220,197) 
                                    -----------------  ----------------   ----------------  ---------------- 
     Net increase (decrease)                                                                                 
        in net assets.............        (2,157,618)         (740,322)            155,589           432,842 
NET ASSETS:                                                                                                  
   Beginning of year..............          9,655,026        10,395,348          7,576,787         7,143,945 
                                    -----------------  ----------------   ----------------  ---------------- 
   End of year....................  $       7,497,408  $      9,655,026   $      7,732,376  $      7,576,787 
                                    =================  ================   ================  ================ 



                                      MSF METLIFE MID CAP STOCK INDEX                                        
                                                SUB-ACCOUNT                                                  
                                    -----------------------------------                                      
                                          2013               2012                                            
                                    -----------------  ----------------                                      
                                                                                                             
INCREASE (DECREASE) IN NET ASSETS:                                                                           
FROM OPERATIONS:                                                                                             
   Net investment income (loss)...  $       (566,013)  $      (572,617)                                      
   Net realized gains (losses)....          6,964,753         4,370,936                                      
   Change in unrealized gains                                                                                
     (losses) on investments......         23,599,476         8,138,980                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
        in net assets resulting                                                                              
        from operations...........         29,998,216        11,937,299                                      
                                    -----------------  ----------------                                      
CONTRACT TRANSACTIONS:                                                                                       
   Purchase payments received                                                                                
     from contract owners.........          3,805,517         5,096,199                                      
   Net transfers (including fixed                                                                            
     account).....................          9,018,341       (1,239,620)                                      
   Contract charges...............          (966,588)         (736,669)                                      
   Transfers for contract benefits                                                                           
     and terminations.............        (4,961,109)       (3,873,437)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease) in                                                                              
        net assets resulting from                                                                            
        contract transactions.....          6,896,161         (753,527)                                      
                                    -----------------  ----------------                                      
     Net increase (decrease)                                                                                 
        in net assets.............         36,894,377        11,183,772                                      
NET ASSETS:                                                                                                  
   Beginning of year..............         88,989,701        77,805,929                                      
                                    -----------------  ----------------                                      
   End of year....................  $     125,884,078  $     88,989,701                                      
                                    =================  ================                                      

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                    MSF METLIFE            
                                      MSF METLIFE MODERATE ALLOCATION    MODERATE TO AGGRESSIVE ALLOCATION 
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        111,426  $        277,463  $      (147,761)  $         87,401 
   Net realized gains (losses)....         1,018,931           338,723           927,158          (18,329) 
   Change in unrealized gains                                                                              
     (losses) on investments......         5,244,250         3,990,206        10,180,246         6,305,708 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............         6,374,607         4,606,392        10,959,643         6,374,780 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........           333,489           235,760           209,284           490,083 
   Net transfers (including fixed                                                                          
     account).....................           189,896       (2,028,081)       (1,014,032)         (857,665) 
   Contract charges...............         (368,244)         (397,645)         (511,319)         (518,714) 
   Transfers for contract benefits                                                                         
     and terminations.............       (3,563,775)       (5,009,708)       (4,103,646)       (2,489,601) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (3,408,634)       (7,199,674)       (5,419,713)       (3,375,897) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............         2,965,973       (2,593,282)         5,539,930         2,998,883 
NET ASSETS:                                                                                                
   Beginning of year..............        41,689,448        44,282,730        51,720,857        48,721,974 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $     44,655,421  $     41,689,448  $     57,260,787  $     51,720,857 
                                    ================  ================  ================  ================ 



                                          MSF METLIFE STOCK INDEX              MSF MFS TOTAL RETURN        
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $        126,616  $      (576,725)  $        297,490  $        424,862 
   Net realized gains (losses)....        23,490,755        16,988,226           439,651         (156,072) 
   Change in unrealized gains                                                                              
     (losses) on investments......       106,939,595        36,899,374         5,520,960         3,058,830 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............       130,556,966        53,310,875         6,258,101         3,327,620 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         9,905,483        13,972,783         2,347,250         2,818,361 
   Net transfers (including fixed                                                                          
     account).....................        10,729,964        52,688,716         5,946,371         (315,421) 
   Contract charges...............       (3,364,435)       (2,778,637)         (195,752)         (109,645) 
   Transfers for contract benefits                                                                         
     and terminations.............      (33,312,519)      (26,428,489)       (3,656,176)       (6,767,115) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......      (16,041,507)        37,454,373         4,441,693       (4,373,820) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............       114,515,459        90,765,248        10,699,794       (1,046,200) 
NET ASSETS:                                                                                                
   Beginning of year..............       446,759,028       355,993,780        35,344,618        36,390,818 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    561,274,487  $    446,759,028  $     46,044,412  $     35,344,618 
                                    ================  ================  ================  ================ 



                                               MSF MFS VALUE                   MSF MSCI EAFE INDEX         
                                                SUB-ACCOUNT                        SUB-ACCOUNT             
                                    ---------------------------------  ----------------------------------  
                                          2013             2012              2013              2012        
                                    ----------------  ---------------  ----------------  ----------------  
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (1,920,146)  $       114,295  $      1,388,628  $      1,054,723  
   Net realized gains (losses)....         5,190,690        1,137,911         1,008,944         (680,643)  
   Change in unrealized gains                                                                              
     (losses) on investments......        43,048,658        5,105,739        15,456,919        11,210,227  
                                    ----------------  ---------------  ----------------  ----------------  
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        46,319,202        6,357,945        17,854,491        11,584,307  
                                    ----------------  ---------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         3,226,292        4,333,740         3,337,616         5,049,892  
   Net transfers (including fixed                                                                          
     account).....................       176,696,995      (2,214,337)        14,653,612         (493,052)  
   Contract charges...............       (1,727,489)        (405,280)         (946,782)         (714,896)  
   Transfers for contract benefits                                                                         
     and terminations.............      (12,316,297)      (3,551,720)       (4,106,316)       (3,180,913)  
                                    ----------------  ---------------  ----------------  ----------------  
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       165,879,501      (1,837,597)        12,938,130           661,031  
                                    ----------------  ---------------  ----------------  ----------------  
     Net increase (decrease)                                                                               
       in net assets..............       212,198,703        4,520,348        30,792,621        12,245,338  
NET ASSETS:                                                                                                
   Beginning of year..............        48,275,261       43,754,913        81,404,548        69,159,210  
                                    ----------------  ---------------  ----------------  ----------------  
   End of year....................  $    260,473,964  $    48,275,261  $    112,197,169  $     81,404,548  
                                    ================  ===============  ================  ================  



                                      MSF NEUBERGER BERMAN GENESIS                                         
                                               SUB-ACCOUNT                                                 
                                    ----------------------------------                                     
                                          2013              2012                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $    (1,702,008)  $      (124,305)                                     
   Net realized gains (losses)....         2,307,614         (160,855)                                     
   Change in unrealized gains                                                                              
     (losses) on investments......        36,584,374         1,235,418                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        37,189,980           950,258                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         1,534,745         1,660,390                                     
   Net transfers (including fixed                                                                          
     account).....................       130,824,603       (1,236,464)                                     
   Contract charges...............         (883,958)          (14,681)                                     
   Transfers for contract benefits                                                                         
     and terminations.............       (8,216,818)         (827,588)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       123,258,572         (418,343)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............       160,448,552           531,915                                     
NET ASSETS:                                                                                                
   Beginning of year..............        11,798,908        11,266,993                                     
                                    ----------------  ----------------                                     
   End of year....................  $    172,247,460  $     11,798,908                                     
                                    ================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                       MSF                
                                          MSF RUSSELL 2000 INDEX         T. ROWE PRICE LARGE CAP GROWTH   
                                                SUB-ACCOUNT                        SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (279,727)  $      (489,405)  $    (1,361,307)  $       (26,562)
   Net realized gains (losses)....         2,980,519         3,012,181         1,274,164           134,449
   Change in unrealized gains                                                                             
     (losses) on investments......        32,072,788         8,632,997        29,734,972           129,142
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............        34,773,580        11,155,773        29,647,829           237,029
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........         3,036,517         4,246,140         1,216,598             3,080
   Net transfers (including fixed                                                                         
     account).....................        17,108,088        16,541,440       125,845,085           255,979
   Contract charges...............         (979,907)         (752,572)         (670,738)             (569)
   Transfers for contract benefits                                                                        
     and terminations.............       (4,618,795)       (3,521,274)       (5,610,315)         (459,528)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......        14,545,903        16,513,734       120,780,630         (201,038)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............        49,319,483        27,669,507       150,428,459            35,991
NET ASSETS:                                                                                               
   Beginning of year..............        91,750,975        64,081,468         1,501,612         1,465,621
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    141,070,458  $     91,750,975  $    151,930,071  $      1,501,612
                                    ================  ================  ================  ================


                                                   MSF                                 MSF                
                                     T. ROWE PRICE SMALL CAP GROWTH     VAN ECK GLOBAL NATURAL RESOURCES  
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      (118,410)  $      (120,658)  $      (992,724)  $    (1,735,261)
   Net realized gains (losses)....         1,190,765         1,108,096       (2,668,683)         5,438,424
   Change in unrealized gains                                                                             
     (losses) on investments......         2,047,671            44,932        13,797,608       (1,471,349)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............         3,120,026         1,032,370        10,136,201         2,231,814
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........           217,643           162,113           944,635         3,689,394
   Net transfers (including fixed                                                                         
     account).....................            76,680         (200,702)      (11,189,728)         4,851,544
   Contract charges...............          (65,804)          (62,062)       (1,460,573)       (1,484,490)
   Transfers for contract benefits                                                                        
     and terminations.............         (634,727)         (622,866)       (3,878,019)       (3,724,214)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......         (406,208)         (723,517)      (15,583,685)         3,332,234
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............         2,713,818           308,853       (5,447,484)         5,564,048
NET ASSETS:                                                                                               
   Beginning of year..............         7,808,995         7,500,142       111,896,983       106,332,935
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $     10,522,813  $      7,808,995  $    106,449,499  $    111,896,983
                                    ================  ================  ================  ================


                                                MSF WESTERN                                               
                                     ASSET MANAGEMENT U.S. GOVERNMENT        NEUBERGER BERMAN GENESIS     
                                                SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $      1,546,993  $      1,122,805  $           (53)  $           (52)
   Net realized gains (losses)....            12,769           531,096               749               348
   Change in unrealized gains                                                                             
     (losses) on investments......       (8,825,000)         2,934,349             2,197               363
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............       (7,265,238)         4,588,250             2,893               659
                                    ----------------  ----------------  ----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........        17,581,036        39,776,656                --                --
   Net transfers (including fixed                                                                         
     account).....................       (7,036,962)         8,514,246                --                --
   Contract charges...............       (3,057,823)       (2,890,949)                --                --
   Transfers for contract benefits                                                                        
     and terminations.............      (21,660,910)      (22,207,896)               (3)               (1)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......      (14,174,659)        23,192,057               (3)               (1)
                                    ----------------  ----------------  ----------------  ----------------
     Net increase (decrease)                                                                              
       in net assets..............      (21,439,897)        27,780,307             2,890               658
NET ASSETS:                                                                                               
   Beginning of year..............       313,310,285       285,529,978             8,101             7,443
                                    ----------------  ----------------  ----------------  ----------------
   End of year....................  $    291,870,388  $    313,310,285  $         10,991  $          8,101
                                    ================  ================  ================  ================



                                        OPPENHEIMER VA CORE BOND                                          
                                               SUB-ACCOUNT                                                
                                    ----------------------------------                                    
                                          2013              2012                                          
                                    ----------------  ----------------                                    
                                                                                                          
INCREASE (DECREASE) IN NET ASSETS:                                                                        
FROM OPERATIONS:                                                                                          
   Net investment income (loss)...  $            335  $            311                                    
   Net realized gains (losses)....             (126)             (598)                                    
   Change in unrealized gains                                                                             
     (losses) on investments......             (342)             1,084                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets resulting                                                                            
       from operations............             (133)               797                                    
                                    ----------------  ----------------                                    
CONTRACT TRANSACTIONS:                                                                                    
   Purchase payments received                                                                             
     from contract owners.........                --                --                                    
   Net transfers (including fixed                                                                         
     account).....................                --                --                                    
   Contract charges...............                --                --                                    
   Transfers for contract benefits                                                                        
     and terminations.............             (279)           (1,889)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease) in                                                                           
       net assets resulting from                                                                          
       contract transactions......             (279)           (1,889)                                    
                                    ----------------  ----------------                                    
     Net increase (decrease)                                                                              
       in net assets..............             (412)           (1,092)                                    
NET ASSETS:                                                                                               
   Beginning of year..............             9,058            10,150                                    
                                    ----------------  ----------------                                    
   End of year....................  $          8,646  $          9,058                                    
                                    ================  ================                                    

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                             OPPENHEIMER VA                                                
                                         GLOBAL STRATEGIC INCOME            OPPENHEIMER VA MAIN STREET     
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2013              2012              2013               2012      
                                    ----------------  ----------------  ----------------  -----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $            164  $            199  $          (280)  $           (512)
   Net realized gains (losses)....                 8                54             1,403              4,748
   Change in unrealized gains                                                                              
     (losses) on investments......             (240)               229            23,373             10,567
                                    ----------------  ----------------  ----------------  -----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............              (68)               482            24,496             14,803
                                    ----------------  ----------------  ----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........                --                --                --                 --
   Net transfers (including fixed                                                                          
     account).....................                --                 5                --                 --
   Contract charges...............                --                --                --                 --
   Transfers for contract benefits                                                                         
     and terminations.............               (2)                --           (4,120)           (38,440)
                                    ----------------  ----------------  ----------------  -----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......               (2)                 5           (4,120)           (38,440)
                                    ----------------  ----------------  ----------------  -----------------
     Net increase (decrease)                                                                               
       in net assets..............              (70)               487            20,376           (23,637)
NET ASSETS:                                                                                                
   Beginning of year..............             4,562             4,075            83,663            107,300
                                    ----------------  ----------------  ----------------  -----------------
   End of year....................  $          4,492  $          4,562  $        104,039  $          83,663
                                    ================  ================  ================  =================


                                             OPPENHEIMER VA                                                
                                          MAIN STREET SMALL CAP                OPPENHEIMER VA MONEY        
                                               SUB-ACCOUNT                          SUB-ACCOUNT            
                                    ----------------------------------  ---------------------------------- 
                                          2013              2012              2013              2012       
                                    ----------------  ----------------  ----------------  ---------------- 
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $      (725,297)  $      (928,472)  $          (102)  $        (1,590) 
   Net realized gains (losses)....         6,330,488         1,063,609                --                -- 
   Change in unrealized gains                                                                              
     (losses) on investments......        30,298,071        13,086,051                --                -- 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............        35,903,262        13,221,188             (102)           (1,590) 
                                    ----------------  ----------------  ----------------  ---------------- 
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........         7,423,119         7,613,898                --                -- 
   Net transfers (including fixed                                                                          
     account).....................       (9,338,929)       (1,388,199)                --                -- 
   Contract charges...............       (1,036,361)         (862,843)                --                -- 
   Transfers for contract benefits                                                                         
     and terminations.............       (5,997,839)       (3,986,210)         (108,863)             (154) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......       (8,950,010)         1,376,646         (108,863)             (154) 
                                    ----------------  ----------------  ----------------  ---------------- 
     Net increase (decrease)                                                                               
       in net assets..............        26,953,252        14,597,834         (108,965)           (1,744) 
NET ASSETS:                                                                                                
   Beginning of year..............        96,092,155        81,494,321           112,965           114,709 
                                    ----------------  ----------------  ----------------  ---------------- 
   End of year....................  $    123,045,407  $     96,092,155  $          4,000  $        112,965 
                                    ================  ================  ================  ================ 



                                       PIONEER VCT DISCIPLINED VALUE       PIONEER VCT EMERGING MARKETS    
                                                SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  -----------------------------------
                                          2013              2012               2013              2012      
                                    ----------------  ----------------  -----------------  ----------------
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $          1,598  $       (11,306)  $         (4,954)  $       (11,558)
   Net realized gains (losses)....           284,647            39,918              (140)            25,278
   Change in unrealized gains                                                                              
     (losses) on investments......           226,657           154,904           (21,981)            54,203
                                    ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............           512,902           183,516           (27,075)            67,923
                                    ----------------  ----------------  -----------------  ----------------
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........             2,355             3,689              1,280             3,564
   Net transfers (including fixed                                                                          
     account).....................         (515,063)           (8,654)             14,296            97,437
   Contract charges...............          (26,379)          (24,154)            (8,404)           (8,283)
   Transfers for contract benefits                                                                         
     and terminations.............         (107,501)          (53,735)           (49,534)          (75,321)
                                    ----------------  ----------------  -----------------  ----------------
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......         (646,588)          (82,854)           (42,362)            17,397
                                    ----------------  ----------------  -----------------  ----------------
     Net increase (decrease)                                                                               
       in net assets..............         (133,686)           100,662           (69,437)            85,320
NET ASSETS:                                                                                                
   Beginning of year..............         2,136,823         2,036,161            791,020           705,700
                                    ----------------  ----------------  -----------------  ----------------
   End of year....................  $      2,003,137  $      2,136,823  $         721,583  $        791,020
                                    ================  ================  =================  ================



                                         PIONEER VCT EQUITY INCOME                                         
                                                SUB-ACCOUNT                                                
                                    ----------------------------------                                     
                                          2013              2012                                           
                                    ----------------  ----------------                                     
                                                                                                           
INCREASE (DECREASE) IN NET ASSETS:                                                                         
FROM OPERATIONS:                                                                                           
   Net investment income (loss)...  $          3,468  $         11,313                                     
   Net realized gains (losses)....            17,885             4,300                                     
   Change in unrealized gains                                                                              
     (losses) on investments......           119,241            22,355                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets resulting                                                                             
       from operations............           140,594            37,968                                     
                                    ----------------  ----------------                                     
CONTRACT TRANSACTIONS:                                                                                     
   Purchase payments received                                                                              
     from contract owners.........             2,835             3,646                                     
   Net transfers (including fixed                                                                          
     account).....................          (47,268)           142,735                                     
   Contract charges...............           (6,096)           (5,521)                                     
   Transfers for contract benefits                                                                         
     and terminations.............           (1,161)           (1,130)                                     
                                    ----------------  ----------------                                     
     Net increase (decrease) in                                                                            
       net assets resulting from                                                                           
       contract transactions......          (51,690)           139,730                                     
                                    ----------------  ----------------                                     
     Net increase (decrease)                                                                               
       in net assets..............            88,904           177,698                                     
NET ASSETS:                                                                                                
   Beginning of year..............           548,970           371,272                                     
                                    ----------------  ----------------                                     
   End of year....................  $        637,874  $        548,970                                     
                                    ================  ================                                     

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                PIONEER VCT                           PIONEER VCT             
                                        IBBOTSON GROWTH ALLOCATION           IBBOTSON MODERATE ALLOCATION     
                                                SUB-ACCOUNT                           SUB-ACCOUNT             
                                    ------------------------------------  ----------------------------------  
                                          2013               2012               2013              2012        
                                    -----------------  -----------------  ----------------  ----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $          22,729  $          19,019  $        228,243  $        255,252  
   Net realized gains (losses).....           774,226            369,421           856,488           292,055  
   Change in unrealized gains                                                                                 
     (losses) on investments.......         2,367,042          1,375,293         2,920,605         2,023,933  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............         3,163,997          1,763,733         4,005,336         2,571,240  
                                    -----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........            85,890            641,966           148,361           195,281  
   Net transfers (including fixed                                                                             
     account)......................           268,913          (586,915)         (864,929)           603,458  
   Contract charges................         (180,697)          (176,884)         (364,481)         (347,432)  
   Transfers for contract benefits                                                                            
     and terminations..............       (1,602,862)          (271,037)       (1,164,852)         (549,849)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......       (1,428,756)          (392,870)       (2,245,901)          (98,542)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets..............         1,735,241          1,370,863         1,759,435         2,472,698  
NET ASSETS:                                                                                                   
   Beginning of year...............        19,107,227         17,736,364        28,441,628        25,968,930  
                                    -----------------  -----------------  ----------------  ----------------  
   End of year..................... $      20,842,468  $      19,107,227  $     30,201,063  $     28,441,628  
                                    =================  =================  ================  ================  



                                          PIONEER VCT MID CAP VALUE         PIONEER VCT REAL ESTATE SHARES    
                                                 SUB-ACCOUNT                          SUB-ACCOUNT             
                                    ------------------------------------  ------------------------------------
                                           2013               2012               2013               2012      
                                    -----------------  -----------------  -----------------  -----------------
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $       (422,216)  $       (308,091)  $           1,359  $           1,265
   Net realized gains (losses).....           856,609           (22,002)             18,057             26,262
   Change in unrealized gains                                                                                 
     (losses) on investments.......        16,961,029          4,990,668           (19,131)              8,731
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............        17,395,422          4,660,575                285             36,258
                                    -----------------  -----------------  -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........         5,065,892          7,895,929                895              1,012
   Net transfers (including fixed                                                                             
     account)......................       (2,540,776)            302,978             17,963              3,518
   Contract charges................         (481,800)          (363,551)            (2,841)            (2,765)
   Transfers for contract benefits                                                                            
     and terminations..............       (3,983,623)        (5,196,081)            (1,163)           (52,356)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......       (1,940,307)          2,639,275             14,854           (50,591)
                                    -----------------  -----------------  -----------------  -----------------
     Net increase (decrease)                                                                                  
        in net assets..............        15,455,115          7,299,850             15,139           (14,333)
NET ASSETS:                                                                                                   
   Beginning of year...............        56,444,927         49,145,077            237,514            251,847
                                    -----------------  -----------------  -----------------  -----------------
   End of year..................... $      71,900,042  $      56,444,927  $         252,653  $         237,514
                                    =================  =================  =================  =================



                                        T. ROWE PRICE GROWTH STOCK         T. ROWE PRICE INTERNATIONAL STOCK  
                                                SUB-ACCOUNT                           SUB-ACCOUNT             
                                    ------------------------------------  ----------------------------------  
                                          2013               2012               2013              2012        
                                    -----------------  -----------------  ----------------  ----------------  
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $        (60,820)  $        (47,423)  $            503  $          2,166  
   Net realized gains (losses).....           357,589            237,825            10,324           (5,645)  
   Change in unrealized gains                                                                                 
     (losses) on investments.......         2,047,793            849,311            71,247           113,047  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............         2,344,562          1,039,713            82,074           109,568  
                                    -----------------  -----------------  ----------------  ----------------  
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........           219,130            218,037            21,103            27,542  
   Net transfers (including fixed                                                                             
     account)......................         (113,852)          (456,841)           (7,638)         (158,822)  
   Contract charges................           (1,536)            (1,517)             (151)             (158)  
   Transfers for contract benefits                                                                            
     and terminations..............         (513,697)          (410,744)          (79,868)          (43,778)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......         (409,955)          (651,065)          (66,554)         (175,216)  
                                    -----------------  -----------------  ----------------  ----------------  
     Net increase (decrease)                                                                                  
        in net assets..............         1,934,607            388,648            15,520          (65,648)  
NET ASSETS:                                                                                                   
   Beginning of year...............         6,404,585          6,015,937           639,881           705,529  
                                    -----------------  -----------------  ----------------  ----------------  
   End of year..................... $       8,339,192  $       6,404,585  $        655,401  $        639,881  
                                    =================  =================  ================  ================  



                                        T. ROWE PRICE PRIME RESERVE                                           
                                                SUB-ACCOUNT                                                   
                                    ----------------------------------                                        
                                          2013              2012                                              
                                    ----------------  ----------------                                        
                                                                                                              
INCREASE (DECREASE) IN NET ASSETS:                                                                            
FROM OPERATIONS:                                                                                              
   Net investment income (loss).... $        (6,339)  $        (7,879)                                        
   Net realized gains (losses).....               --                --                                        
   Change in unrealized gains                                                                                 
     (losses) on investments.......               --                --                                        
                                    ----------------  ----------------                                        
     Net increase (decrease)                                                                                  
        in net assets resulting                                                                               
        from operations............          (6,339)           (7,879)                                        
                                    ----------------  ----------------                                        
CONTRACT TRANSACTIONS:                                                                                        
   Purchase payments received                                                                                 
     from contract owners..........              208               301                                        
   Net transfers (including fixed                                                                             
     account)......................         (93,657)         (199,272)                                        
   Contract charges................            (155)             (187)                                        
   Transfers for contract benefits                                                                            
     and terminations..............         (64,754)          (43,573)                                        
                                    ----------------  ----------------                                        
     Net increase (decrease) in                                                                               
        net assets resulting from                                                                             
        contract transactions......        (158,358)         (242,731)                                        
                                    ----------------  ----------------                                        
     Net increase (decrease)                                                                                  
        in net assets..............        (164,697)         (250,610)                                        
NET ASSETS:                                                                                                   
   Beginning of year...............          723,146           973,756                                        
                                    ----------------  ----------------                                        
   End of year..................... $        558,449  $        723,146                                        
                                    ================  ================                                        

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A    
OF METLIFE INVESTORS USA INSURANCE COMPANY    
STATEMENTS OF CHANGES IN NET ASSETS -- (CONCLUDED)    
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012    

                                                        [Enlarge/Download Table]

                                                                                                       UIF U.S. REAL ESTATE        
                                                                                                            SUB-ACCOUNT            
                                                                                               ------------------------------------
                                                                                                      2013               2012      
                                                                                               -----------------  -----------------
                                                                                                                                   
INCREASE (DECREASE) IN NET ASSETS:                                                                                                 
FROM OPERATIONS:                                                                                                                   
   Net investment income (loss)............................................................... $       (322,967)  $       (505,482)
   Net realized gains (losses)................................................................          (34,211)          (531,267)
   Change in unrealized gains                                                                                                      
     (losses) on investments..................................................................           392,749         11,927,777
                                                                                               -----------------  -----------------
     Net increase (decrease)                                                                                                       
        in net assets resulting                                                                                                    
        from operations.......................................................................            35,571         10,891,028
                                                                                               -----------------  -----------------
CONTRACT TRANSACTIONS:                                                                                                             
   Purchase payments received                                                                                                      
     from contract owners.....................................................................        11,431,975         13,220,555
   Net transfers (including fixed                                                                                                  
     account).................................................................................         5,853,586            684,788
   Contract charges...........................................................................         (713,884)          (537,546)
   Transfers for contract benefits                                                                                                 
     and terminations.........................................................................       (6,390,221)       (10,065,780)
                                                                                               -----------------  -----------------
     Net increase (decrease) in                                                                                                    
        net assets resulting from                                                                                                  
        contract transactions.................................................................        10,181,456          3,302,017
                                                                                               -----------------  -----------------
     Net increase (decrease)                                                                                                       
        in net assets.........................................................................        10,217,027         14,193,045
NET ASSETS:                                                                                                                        
   Beginning of year..........................................................................        90,757,950         76,564,905
                                                                                               -----------------  -----------------
   End of year................................................................................ $     100,974,977  $      90,757,950
                                                                                               =================  =================

(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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

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METLIFE INVESTORS USA SEPARATE ACCOUNT A                
OF METLIFE INVESTORS USA INSURANCE COMPANY                
NOTES TO THE FINANCIAL STATEMENTS               

1.  ORGANIZATION                                                                

MetLife Investors USA Separate Account A (the "Separate Account"), a separate   
account of MetLife Investors USA Insurance Company (the "Company"), was         
established by the Company's Board of Directors on May 29, 1980 to support      
operations of the Company with respect to certain variable annuity contracts    
(the "Contracts"). The Company is an indirect wholly-owned subsidiary of        
MetLife, Inc., a Delaware corporation. The Separate Account is registered as a  
unit investment trust under the Investment Company Act of 1940, as amended, and 
exists in accordance with the regulations of the Delaware Department of         
Insurance.                                                                      

In the second quarter of 2013, MetLife, Inc. announced its plans to merge into  
MetLife Insurance Company of Connecticut ("MICC"), as the surviving entity, two 
United States ("U.S.")-based life insurance companies and an offshore           
reinsurance subsidiary to create one larger U.S.-based and U.S.-regulated life  
insurance company, which is expected to be renamed and domiciled in Delaware    
(the "Mergers"). The companies to be merged into MICC consist of the Company    
and MetLife Investors Insurance Company, each a U.S. insurance company that     
issues variable annuity products in addition to other products, and Exeter      
Reassurance Company, Ltd. ("Exeter"), a reinsurance company that mainly         
reinsures guarantees associated with variable annuity products. Exeter,         
formerly a Cayman Islands company, was re-domesticated to Delaware in October   
2013. The Mergers are expected to occur in the fourth quarter of 2014, subject  
to regulatory approvals.                                                        

The Separate Account is divided into Sub-Accounts, each of which is treated as  
an individual accounting entity for financial reporting purposes. Each          
Sub-Account invests in shares of the corresponding portfolio, series, or fund   
(with the same name) of registered investment management companies (the         
"Trusts"), which are presented below:                                           

                                                        [Enlarge/Download Table]
                                                                                                         
AIM Variable Insurance Funds (Invesco Variable         Met Investors Series Trust ("MIST")*              
   Insurance Funds) ("Invesco V.I.")                   Metropolitan Series Fund ("MSF")*                 
American Funds Insurance Series ("American Funds")     MFS Variable Insurance Trust ("MFS VIT")          
DWS Variable Series I ("DWS I")                        Neuberger Berman Equity Funds ("Neuberger Berman")
Federated Insurance Series ("Federated")               Oppenheimer Variable Account Funds                
Fidelity Variable Insurance Products ("Fidelity VIP")    ("Oppenheimer VA")                              
Franklin Templeton Variable Insurance Products Trust   Pioneer Variable Contracts Trust ("Pioneer VCT")  
   ("FTVIPT")                                          T. Rowe Price Growth Stock Fund, Inc.             
Janus Aspen Series ("Janus Aspen")                     T. Rowe Price International Funds, Inc.           
Legg Mason Partners Variable Equity Trust              T. Rowe Price Prime Reserve Fund, Inc.            
   ("LMPVET")                                          The Alger Portfolios ("Alger")                    
Legg Mason Partners Variable Income Trust              The Universal Institutional Funds, Inc. ("UIF")   
   ("LMPVIT")                                                                                            

* See Note 5 for a discussion of additional information on related party        
transactions.                                                                   

The assets of each of the Sub-Accounts of the Separate Account are registered   
in the name of the Company. Under applicable insurance law, the assets and      
liabilities of the Separate Account are clearly identified and distinguished    
from the Company's other assets and liabilities. The portion of the Separate    
Account's assets applicable to the Contracts is not chargeable with liabilities 
arising out of any other business the Company may conduct.                      

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2. LIST OF SUB-ACCOUNTS                                                         

Purchase payments, less any applicable charges, applied to the Separate Account 
are invested in one or more Sub-Accounts in accordance with the selection made  
by the contract owner. The following Sub-Accounts had net assets as of December 
31, 2013:                                                                       

                                                        [Enlarge/Download Table]
                                                                                                      
Alger Small Cap Growth Sub-Account                   LMPVET ClearBridge Variable Large Cap Value      
American Funds Bond Sub-Account                         Sub-Account                                   
American Funds Global Growth Sub-Account             LMPVET ClearBridge Variable Small Cap Growth     
American Funds Global Small Capitalization              Sub-Account                                   
   Sub-Account                                       LMPVET Investment Counsel Variable Social        
American Funds Growth Sub-Account                       Awareness Sub-Account                         
American Funds Growth-Income Sub-Account             LMPVET Variable Lifestyle Allocation 50%         
DWS I International Sub-Account                         Sub-Account                                   
Federated High Income Bond Sub-Account               LMPVET Variable Lifestyle Allocation 70%         
Federated Kaufman Sub-Account                           Sub-Account                                   
Fidelity VIP Asset Manager Sub-Account               LMPVET Variable Lifestyle Allocation 85%         
Fidelity VIP Contrafund Sub-Account (a)                 Sub-Account                                   
Fidelity VIP Equity-Income Sub-Account               LMPVIT Western Asset Variable Global High Yield  
Fidelity VIP FundsManager 50% Sub-Account               Bond Sub-Account                              
Fidelity VIP FundsManager 60% Sub-Account            MFS VIT Investors Trust Sub-Account              
Fidelity VIP Growth Sub-Account                      MFS VIT New Discovery Sub-Account                
Fidelity VIP Index 500 Sub-Account                   MFS VIT Research Sub-Account                     
Fidelity VIP Mid Cap Sub-Account                     MIST AllianceBernstein Global Dynamic Allocation 
Fidelity VIP Money Market Sub-Account (a)               Sub-Account                                   
Fidelity VIP Overseas Sub-Account                    MIST American Funds Balanced Allocation          
FTVIPT Franklin Income Securities Sub-Account           Sub-Account                                   
FTVIPT Franklin Small Cap Value Securities           MIST American Funds Growth Allocation            
   Sub-Account                                          Sub-Account                                   
FTVIPT Mutual Shares Securities Sub-Account          MIST American Funds Growth Sub-Account           
FTVIPT Templeton Foreign Securities Sub-Account      MIST American Funds Moderate Allocation          
FTVIPT Templeton Global Bond Securities Sub-Account     Sub-Account                                   
Invesco V.I. American Franchise Sub-Account          MIST AQR Global Risk Balanced Sub-Account        
Invesco V.I. American Value Sub-Account              MIST BlackRock Global Tactical Strategies        
Invesco V.I. Core Equity Sub-Account                    Sub-Account                                   
Invesco V.I. Equity and Income Sub-Account (a)       MIST BlackRock High Yield Sub-Account (a)        
Invesco V.I. Global Real Estate Sub-Account          MIST BlackRock Large Cap Core Sub-Account (a)    
Invesco V.I. Growth and Income Sub-Account (a)       MIST Clarion Global Real Estate Sub-Account      
Invesco V.I. International Growth Sub-Account (a)    MIST ClearBridge Aggressive Growth Sub-Account   
Janus Aspen Global Research Sub-Account              MIST ClearBridge Aggressive Growth II            
LMPVET ClearBridge Variable Aggressive Growth           Sub-Account (a)                               
   Sub-Account (a)                                   MIST Goldman Sachs Mid Cap Value Sub-Account     
LMPVET ClearBridge Variable All Cap Value            MIST Harris Oakmark International Sub-Account (a)
   Sub-Account                                       MIST Invesco Balanced-Risk Allocation Sub-Account
LMPVET ClearBridge Variable Appreciation             MIST Invesco Comstock Sub-Account                
   Sub-Account                                       MIST Invesco Mid Cap Value Sub-Account           
LMPVET ClearBridge Variable Equity Income            MIST Invesco Small Cap Growth Sub-Account (a)    
   Sub-Account (a)                                   MIST JPMorgan Core Bond Sub-Account              
LMPVET ClearBridge Variable Large Cap Growth         MIST JPMorgan Global Active Allocation           
   Sub-Account                                          Sub-Account                                   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

2.  LIST OF SUB-ACCOUNTS -- (CONCLUDED)                                         

                                                        [Enlarge/Download Table]
                                                                                                           
MIST JPMorgan Small Cap Value Sub-Account (a)            MSF Met/Artisan Mid Cap Value Sub-Account (a)     
MIST Loomis Sayles Global Markets Sub-Account            MSF Met/Dimensional International Small Company   
MIST Lord Abbett Bond Debenture Sub-Account (a)            Sub-Account                                     
MIST Met/Eaton Vance Floating Rate Sub-Account           MSF MetLife Conservative Allocation Sub-Account   
MIST Met/Franklin Low Duration Total Return              MSF MetLife Conservative to Moderate Allocation   
   Sub-Account                                             Sub-Account                                     
MIST Met/Templeton International Bond Sub-Account        MSF MetLife Mid Cap Stock Index Sub-Account (a)   
MIST MetLife Aggressive Strategy Sub-Account             MSF MetLife Moderate Allocation Sub-Account       
MIST MetLife Balanced Plus Sub-Account                   MSF MetLife Moderate to Aggressive Allocation     
MIST MetLife Balanced Strategy Sub-Account                 Sub-Account                                     
MIST MetLife Defensive Strategy Sub-Account              MSF MetLife Stock Index Sub-Account (a)           
MIST MetLife Growth Strategy Sub-Account                 MSF MFS Total Return Sub-Account (a)              
MIST MetLife Moderate Strategy Sub-Account               MSF MFS Value Sub-Account (a)                     
MIST MetLife Multi-Index Targeted Risk                   MSF MSCI EAFE Index Sub-Account (a)               
   Sub-Account                                           MSF Neuberger Berman Genesis Sub-Account (a)      
MIST MFS Emerging Markets Equity Sub-Account             MSF Russell 2000 Index Sub-Account (a)            
MIST MFS Research International Sub-Account (a)          MSF T. Rowe Price Large Cap Growth Sub-Account (a)
MIST Morgan Stanley Mid Cap Growth Sub-Account (a)       MSF T. Rowe Price Small Cap Growth Sub-Account (a)
MIST Oppenheimer Global Equity Sub-Account               MSF Van Eck Global Natural Resources Sub-Account  
MIST PIMCO Inflation Protected Bond Sub-Account          MSF Western Asset Management U.S. Government      
MIST PIMCO Total Return Sub-Account (a)                    Sub-Account (a)                                 
MIST Pioneer Fund Sub-Account (a)                        Neuberger Berman Genesis Sub-Account              
MIST Pioneer Strategic Income Sub-Account (a)            Oppenheimer VA Core Bond Sub-Account              
MIST Pyramis Government Income Sub-Account               Oppenheimer VA Global Strategic Income            
MIST Pyramis Managed Risk Portfolio Sub-Account (b)        Sub-Account                                     
MIST Schroders Global Multi-Asset Sub-Account            Oppenheimer VA Main Street Sub-Account            
MIST SSgA Growth and Income ETF Sub-Account              Oppenheimer VA Main Street Small Cap              
MIST SSgA Growth ETF Sub-Account                           Sub-Account (a)                                 
MIST T. Rowe Price Large Cap Value Sub-Account (a)       Oppenheimer VA Money Sub-Account                  
MIST T. Rowe Price Mid Cap Growth Sub-Account            Pioneer VCT Disciplined Value Sub-Account         
MIST Third Avenue Small Cap Value Sub-Account (a)        Pioneer VCT Emerging Markets Sub-Account          
MSF Baillie Gifford International Stock Sub-Account (a)  Pioneer VCT Equity Income Sub-Account             
MSF Barclays Aggregate Bond Index Sub-Account (a)        Pioneer VCT Ibbotson Growth Allocation Sub-Account
MSF BlackRock Bond Income Sub-Account (a)                Pioneer VCT Ibbotson Moderate Allocation          
MSF BlackRock Capital Appreciation Sub-Account (a)         Sub-Account                                     
MSF BlackRock Large Cap Value Sub-Account                Pioneer VCT Mid Cap Value Sub-Account             
MSF BlackRock Money Market Sub-Account (a)               Pioneer VCT Real Estate Shares Sub-Account        
MSF Davis Venture Value Sub-Account (a)                  T. Rowe Price Growth Stock Sub-Account            
MSF Frontier Mid Cap Growth Sub-Account (b)              T. Rowe Price International Stock Sub-Account     
MSF Jennison Growth Sub-Account (a)                      T. Rowe Price Prime Reserve Sub-Account           
MSF Loomis Sayles Small Cap Core Sub-Account             UIF U.S. Real Estate Sub-Account                  
MSF Loomis Sayles Small Cap Growth Sub-Account                                                             

(a) This Sub-Account invests in two or more share classes within the underlying 
portfolio, series, or fund of the Trusts.                               
(b) This Sub-Account began operations during the year ended December 31,        
2013.                                                                   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

3. PORTFOLIO CHANGES                                                            

The following Sub-Accounts ceased operations during the year ended December 31, 
2013:                                                                           

                                                        [Enlarge/Download Table]
                                                                                        
MIST American Funds International Sub-Account  MIST MLA Mid Cap Sub-Account             
MIST Jennison Large Cap Equity Sub-Account     MIST RCM Technology Sub-Account          
MIST Met/Franklin Mutual Shares Sub-Account    MIST Turner Mid Cap Growth Sub-Account   
MIST Met/Franklin Templeton Founding Strategy  MSF FI Value Leaders Sub-Account         
   Sub-Account                                 (MSF) Oppenheimer Global Equity Portfolio

The operations of the Sub-Accounts were affected by the following changes that  
occurred during the year ended December 31, 2013:                               

NAME CHANGES:                                                                   

                                                        [Enlarge/Download Table]
                                                                                                      
Former Name                                          New Name                                         

Invesco Van Kampen V.I. American Franchise Fund      Invesco V.I. American Franchise Fund             
Invesco Van Kampen V.I. American Value Fund          Invesco V.I. American Value Fund                 
Invesco Van Kampen V.I. Equity and Income Fund       Invesco V.I. Equity and Income Fund              
Invesco Van Kampen V.I. Growth and Income Fund       Invesco V.I. Growth and Income Fund              
Janus Aspen Series Worldwide Portfolio               Janus Aspen Series Global Research Portfolio     
Legg Mason ClearBridge Variable Aggressive Growth    ClearBridge Variable Aggressive Growth Portfolio 
   Portfolio                                                                                          
Legg Mason ClearBridge Variable Appreciation         ClearBridge Variable Appreciation Portfolio      
   Portfolio                                                                                          
Legg Mason ClearBridge Variable Equity Income        ClearBridge Variable Equity Income Portfolio     
   Builder Portfolio                                                                                  
Legg Mason ClearBridge Variable Fundamental All      ClearBridge Variable All Cap Value Portfolio     
   Cap Value Portfolio                                                                                
Legg Mason ClearBridge Variable Large Cap Growth     ClearBridge Variable Large Cap Growth Portfolio  
   Portfolio                                                                                          
Legg Mason ClearBridge Variable Large Cap Value      ClearBridge Variable Large Cap Value Portfolio   
   Portfolio                                                                                          
Legg Mason ClearBridge Variable Small Cap Growth     ClearBridge Variable Small Cap Growth Portfolio  
   Portfolio                                                                                          
Legg Mason Western Asset Variable Global High Yield  Western Asset Variable Global High Yield Bond    
   Bond Portfolio                                      Portfolio                                      
(MIST) American Funds Bond Portfolio                 (MIST) JPMorgan Core Bond Portfolio              
(MIST) Dreman Small Cap Value Portfolio              (MIST) JPMorgan Small Cap Value Portfolio        
(MIST) Janus Forty Portfolio                         (MIST) ClearBridge Aggressive Growth Portfolio II
(MIST) Legg Mason ClearBridge Aggressive Growth      (MIST) ClearBridge Aggressive Growth Portfolio   
   Portfolio                                                                                          
(MIST) Lord Abbett Mid Cap Value Portfolio           (MIST) Invesco Mid Cap Value Portfolio           
(MIST) Met/Templeton Growth Portfolio (a)            (MIST) Oppenheimer Global Equity Portfolio (a)   
(MIST) Van Kampen Comstock Portfolio                 (MIST) Invesco Comstock Portfolio                
(MSF) Barclays Capital Aggregate Bond Index          (MSF) Barclays Aggregate Bond Index Portfolio    
   Portfolio                                                                                          
(MSF) BlackRock Legacy Large Cap Growth Portfolio    (MSF) BlackRock Capital Appreciation Portfolio   
Oppenheimer Main Street Small- & Mid-Cap Fund/VA     Oppenheimer Main Street Small Cap Fund/VA        
Pioneer Fundamental Value VCT Portfolio              Pioneer Disciplined Value VCT Portfolio          

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

3.  PORTFOLIO CHANGES -- (CONCLUDED)                                            

MERGERS:                                                                        

                                                        [Enlarge/Download Table]
                                                                                                    
Former Portfolio                                 New Portfolio                                      

(MIST) American Funds International Portfolio    (MSF) Baillie Gifford International Stock Portfolio
(MIST) Jennison Large Cap Equity Portfolio       (MSF) Jennison Growth Portfolio                    
(MIST) Met/Franklin Mutual Shares Portfolio      (MSF) MFS Value Portfolio                          
(MIST) Met/Franklin Templeton Founding Strategy  (MIST) MetLife Growth Strategy Portfolio           
   Portfolio                                                                                        
(MIST) MLA Mid Cap Portfolio                     (MSF) Neuberger Berman Genesis Portfolio           
(MIST) RCM Technology Portfolio                  (MSF) T. Rowe Price Large Cap Growth Portfolio     
(MIST) Turner Mid Cap Growth Portfolio           (MSF) Frontier Mid Cap Growth Portfolio            
(MSF) FI Value Leaders Portfolio                 (MSF) MFS Value Portfolio                          
(MSF) Oppenheimer Global Equity Portfolio (a)    (MIST) Met/Templeton Growth Portfolio (a)          

a) At the close of business on April 26, 2013, the (MSF) Oppenheimer Global     
Equity Portfolio merged with and into the (MIST) Met/Templeton Growth     
Portfolio. Concurrently, Oppenheimer Funds, Inc. became the subadviser of 
the (MIST) Met/Templeton Growth Portfolio, the portfolio's investment     
objective and principal investment strategies changed, and the portfolio's
 name was changed to (MIST) Oppenheimer Global Equity Portfolio. Pursuant to
these changes, (MSF) Oppenheimer Global Equity Portfolio was deemed to be 
the accounting and performance survivor of the merger for financial       
reporting purposes, and therefore, the results of MIST Oppenheimer Global 
Equity Sub-Account presented in the financial statements reflect the      
  historical results of MSF Oppenheimer Global Equity Sub-Account prior to the
merger, and the combined results thereafter.                              

4.  SIGNIFICANT ACCOUNTING POLICIES                                             

BASIS OF ACCOUNTING                                                             
The financial statements have been prepared in accordance with accounting       
principles generally accepted in the United States of America ("GAAP")          
applicable for variable annuity separate accounts registered as unit investment 
trusts.                                                                         

SECURITY TRANSACTIONS                                                           
Security transactions are recorded on a trade date basis. Realized gains and    
losses on the sales of investments are computed on the basis of the average     
cost of the investment sold. Income from dividends and realized gain            
distributions are recorded on the ex-distribution date.                         

SECURITY VALUATION                                                              
A Sub-Account's investment in shares of a portfolio, series, or fund of the     
Trusts is valued at fair value based on the closing net asset value ("NAV") or  
price per share as determined by the Trusts as of the end of the year. All      
changes in fair value are recorded as changes in unrealized gains (losses) on   
investments in the statements of operations of the applicable Sub-Accounts.     

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

4.  SIGNIFICANT ACCOUNTING POLICIES -- (CONTINUED)                              

SECURITY VALUATION -- (CONCLUDED)                                               
The Separate Account defines fair value as the price that would be received to  
sell an asset or paid to transfer a liability (an exit price) in the principal  
or most advantageous market for the asset or liability in an orderly            
transaction between market participants on the measurement date. The Separate   
Account prioritizes the inputs to fair valuation techniques and allows for the  
use of unobservable inputs to the extent that observable inputs are not         
available. The Separate Account has categorized its assets based on the         
priority of the inputs to the respective valuation technique. The fair value    
hierarchy gives the highest priority to quoted prices in active markets for     
identical assets (Level 1) and the lowest priority to unobservable inputs       
(Level 3). An asset's classification within the fair value hierarchy is based   
on the lowest level of significant input to its valuation. The input levels are 
as follows:                                                                     

Level 1     Unadjusted quoted prices in active markets for identical assets     
that the Separate Account has the ability to access.    
Level 2     Observable inputs other than quoted prices in Level 1 that are      
          observable either directly or indirectly. These inputs may include
           quoted prices for the identical instrument on an inactive market or
prices for similar instruments.                         
Level 3     Unobservable inputs that are supported by little or no market       
     activity and are significant to the fair value of the assets,
     representing the Separate Account's own assumptions about the
        assumptions a market participant would use in valuing the asset,
and based on the best information available.            

Each Sub-Account invests in shares of open-end mutual funds which calculate a   
daily NAV based on the fair value of the underlying securities in their         
portfolios. As a result, and as required by law, shares of open-end mutual      
funds are purchased and redeemed at their quoted daily NAV as reported by the   
Trusts at the close of each business day. On that basis, the inputs used to     
value all shares held by the Separate Account, which are measured at fair value 
on a recurring basis, are classified as Level 2. There were no transfers        
between Level 1 and Level 2, and no activity in Level 3 during the year.        

FEDERAL INCOME TAXES                                                            
The operations of the Separate Account form a part of the total operations of   
the Company and are not taxed separately. The Company is taxed as a life        
insurance company under the provisions of the Internal Revenue Code ("IRC").    
Under the current provisions of the IRC, the Company does not expect to incur   
federal income taxes on the earnings of the Separate Account to the extent the  
earnings are credited under the Contracts. Accordingly, no charge is currently  
being made to the Separate Account for federal income taxes. The Company will   
periodically review the status of this policy in the event of changes in the    
tax law. A charge may be made in future years for any federal income taxes that 
would be attributable to the Contracts.                                         

ANNUITY PAYOUTS                                                                 
Net assets allocated to Contracts in the payout period are computed according   
to industry standard mortality tables. The assumed investment return is between 
3.0 and 6.0 percent. The mortality risk is fully borne by the Company and may   
result in additional amounts being transferred into the Separate Account by the 
Company to cover greater longevity of annuitants than expected. Conversely, if  
amounts allocated exceed amounts required, transfers may be made to the         
Company.                                                                        

PURCHASE PAYMENTS                                                               
Purchase payments received from contract owners by the Company are credited as  
accumulation units as of the end of the valuation period in which received, as  
provided in the prospectus of the Contracts, and are reported as contract       
transactions on the statements of changes in net assets of the applicable       
Sub-Accounts.                                                                   

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

4.  SIGNIFICANT ACCOUNTING POLICIES -- (CONCLUDED)                              

NET TRANSFERS                                                                   
Funds transferred by the contract owner into or out of Sub-Accounts within the  
Separate Account or into or out of the fixed account, which is part the         
Company's general account, are recorded on a net basis as net transfers in the  
statements of changes in net assets of the applicable Sub-Accounts.             

USE OF ESTIMATES                                                                
The preparation of financial statements in accordance with GAAP requires        
management to make estimates and assumptions that affect amounts reported       
herein. Actual results could differ from these estimates.                       

5.  EXPENSES AND RELATED PARTY TRANSACTIONS                                     

The following annual Separate Account charges paid to the Company, are          
asset-based charges assessed through a daily reduction in unit values, which    
are recorded as expenses in the accompanying statements of operations of the    
applicable Sub-Accounts:                                                        

   Mortality and Expense Risk -- The mortality risk assumed by the Company
is the risk that those insured may die sooner than anticipated and  
 therefore, the Company will pay an aggregate amount of death benefits
greater than anticipated. The expense risk assumed is the risk that 
    expenses incurred in issuing and administering the Contracts will exceed
     the amounts realized from the administrative charges assessed against the
   Contracts. In addition, the charge compensates the Company for the risk
     that the investor may live longer than estimated and the Company would be
obligated to pay more in income payments than anticipated.          

   Administrative -- The Company has responsibility for the administration
    of the Contracts and the Separate Account. Generally, the administrative
 charge is related to the maintenance, including distribution, of each
contract and the Separate Account.                                  

     Optional Death Benefit Rider -- For an additional charge, the total death
   benefit payable may be increased based on increases in account value of
the Contracts.                                                      

Distribution Expense -- The risk that surrender charges will be     
 insufficient to cover the actual costs of distribution which includes
commissions, fees, registration costs, direct and indirect selling  
expenses.                                                           

    Guaranteed Minimum Accumulation Benefit -- For an additional charge, the
  Company will guarantee that the contract value will not be less than a
guaranteed minimum amount at the end of a specified number of years.

  Earnings Preservation Benefit -- For an additional charge, the Company
will provide this additional death benefit.                         

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2013:             

                                                        [Enlarge/Download Table]
                                                                                                                            
----------------------------------------------------------------------------------------------------------------------------
 Mortality and Expense Risk                                                                                 0.70% - 2.05%   
----------------------------------------------------------------------------------------------------------------------------
 Administrative                                                                                             0.10% - 0.25%   
----------------------------------------------------------------------------------------------------------------------------
 Optional Death Benefit Rider                                                                               0.15% - 0.35%   
----------------------------------------------------------------------------------------------------------------------------
 Distribution Expense                                                                                       0.10%           
----------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Accumulation Benefit                                                                    1.50%           
----------------------------------------------------------------------------------------------------------------------------
 Earnings Preservation Benefit                                                                              0.25%           
----------------------------------------------------------------------------------------------------------------------------

    The above referenced charges may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the 
   designation of the charge or associated with a particular contract. The
    range of effective rates disclosed above excludes any waivers granted to
certain Sub-Accounts.                                               

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

5.  EXPENSES AND RELATED PARTY TRANSACTIONS -- (CONCLUDED)                      

The following optional rider charges paid to the Company are charged at each    
contract anniversary date through the redemption of units and are recorded as   
contract charges in the accompanying statements of changes in net assets of the 
applicable Sub-Accounts:                                                        

    Guaranteed Minimum Accumulation Benefit -- For an additional charge, the
  Company will guarantee that the contract value will not be less than a
guaranteed minimum amount at the end of a specified number of years.

  Lifetime Withdrawal Guarantee -- For an additional charge, the Company
will guarantee minimum withdrawals for life regardless of market    
conditions.                                                         

  Guaranteed Withdrawal Benefit -- For an additional charge, the Company
will guarantee minimum withdrawals regardless of market conditions. 

Guaranteed Minimum Income Benefit -- For an additional charge, the  
Company will guarantee a minimum payment regardless of market       
conditions.                                                         

Enhanced Death Benefit -- For an additional charge, the Company will
  guarantee a death benefit equal to the greater of the account value or
the higher of two death benefit bases.                              

   Enhanced Guaranteed Withdrawal Benefit -- For an additional charge, the
Company will guarantee that at least the entire amount of purchase  
payments will be returned through a series of withdrawals without   
annuitizing.                                                        

   The table below represents the range of effective annual rates for each
respective charge for the year ended December 31, 2013:             

                                                        [Enlarge/Download Table]
                                                                                                                         
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Accumulation Benefit                                                                 0.75%           
-------------------------------------------------------------------------------------------------------------------------
 Lifetime Withdrawal Guarantee                                                                           0.50% - 1.80%   
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Withdrawal Benefit                                                                           0.25% - 1.80%   
-------------------------------------------------------------------------------------------------------------------------
 Guaranteed Minimum Income Benefit                                                                       0.50% - 1.50%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Death Benefit                                                                                  0.60% - 1.50%   
-------------------------------------------------------------------------------------------------------------------------
 Enhanced Guaranteed Withdrawal Benefit                                                                  0.55% - 1.00%   
-------------------------------------------------------------------------------------------------------------------------

    The above referenced charges may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the 
designation of the charge or associated with a particular contract. 

A contract maintenance fee ranging from $30 to $40 is assessed on an annual     
basis for Contracts with a value of less than $50,000. A transfer fee ranging   
from $0 to $25 may be deducted after twelve transfers are made in a contract    
year or, for certain contracts, 2% of the amount transferred from the contract  
value, if less. For certain contracts, an administrative charge is also         
assessed which ranges from $12 to $29.50 for each Sub-Account in which the      
contract owner invests (waived if purchase payments equal or exceed $2,000 in   
the year, or if the account value is $10,000 or more at year end). For other    
Contracts the administrative charge is $21.50 plus $2.50 for each Sub-Account   
selected, subject to the same waiver terms. In addition, the Contracts impose a 
surrender charge which ranges from 0% to 9% if the contract is partially or     
fully surrendered within the specified surrender charge period. For certain     
contracts, a transaction charge of the lesser of $10 or 2% of the surrender is  
imposed on surrenders and a $10 charge is assessed for annuitizations. For      
those contract owners who choose optional living benefit riders or certain      
optional death benefit riders, these charges range from 0.25% to 1.80% of the   
benefit base and are charged at each contract anniversary date. These charges   
are paid to the Company and recorded as contract charges in the accompanying    
statements of changes in net assets of the applicable Sub-Accounts.             

MetLife Advisers, LLC, which acts in the capacity of investment adviser to the  
portfolios of the MIST and MSF Trusts, is an affiliate of the Company.          

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS                                                   

                                                        [Enlarge/Download Table]

                                                                                                    FOR THE YEAR ENDED      
                                                                AS OF DECEMBER 31, 2013              DECEMBER 31, 2013      
                                                            -------------------------------  -------------------------------
                                                                                                 COST OF         PROCEEDS   
                                                               SHARES           COST ($)      PURCHASES ($)   FROM SALES ($)
                                                            -------------    --------------  --------------   --------------
                                                                                                                            
Alger Small Cap Growth Sub-Account.........................     1,953,805        57,250,154       8,367,037        6,625,484
American Funds Bond Sub-Account............................    13,775,531       147,139,916      21,831,559        7,389,905
American Funds Global Growth Sub-Account...................    10,522,269       223,509,854      12,990,684       18,551,511
American Funds Global Small Capitalization Sub-Account.....     4,918,180        95,041,858      10,469,150       11,712,314
American Funds Growth Sub-Account..........................    10,989,996       574,188,815      23,270,824       62,728,487
American Funds Growth-Income Sub-Account...................     7,704,764       274,807,285      11,909,004       33,145,087
DWS I International Sub-Account............................     2,052,186        20,756,206       1,433,339        2,082,585
Federated High Income Bond Sub-Account.....................         3,660            25,725           1,732              468
Federated Kaufman Sub-Account..............................         2,337            31,003           3,265            1,661
Fidelity VIP Asset Manager Sub-Account.....................     5,120,330        78,221,722       1,832,124       10,277,909
Fidelity VIP Contrafund Sub-Account........................    17,856,406       423,701,254      46,928,007       47,735,664
Fidelity VIP Equity-Income Sub-Account.....................       255,672         5,773,353         567,078        1,049,969
Fidelity VIP FundsManager 50% Sub-Account..................   169,341,698     1,893,521,701   1,448,712,994               --
Fidelity VIP FundsManager 60% Sub-Account..................   341,365,269     3,336,110,670     184,779,786      215,424,352
Fidelity VIP Growth Sub-Account............................     2,904,593       109,545,186       1,267,314       18,047,059
Fidelity VIP Index 500 Sub-Account.........................       374,026        48,066,934       1,890,733        9,575,024
Fidelity VIP Mid Cap Sub-Account...........................    12,544,437       367,482,168      75,428,895       19,321,498
Fidelity VIP Money Market Sub-Account......................    76,155,366        76,155,366     264,136,300      261,640,341
Fidelity VIP Overseas Sub-Account..........................       287,089         5,219,470         201,987          889,204
FTVIPT Franklin Income Securities Sub-Account..............    18,532,766       277,580,598      34,739,012        8,570,345
FTVIPT Franklin Small Cap Value Securities Sub-Account.....     5,319,858        83,521,426      16,513,930        5,117,658
FTVIPT Mutual Shares Securities Sub-Account................     7,215,840       124,287,971       5,389,350       11,759,291
FTVIPT Templeton Foreign Securities Sub-Account............     5,088,246        75,734,816       4,034,851       12,411,337
FTVIPT Templeton Global Bond Securities Sub-Account........    13,692,658       253,733,342      53,566,361        5,257,847
Invesco V.I. American Franchise Sub-Account................         3,234           111,443             621           35,535
Invesco V.I. American Value Sub-Account....................     4,830,003        62,389,211       9,919,898        4,658,110
Invesco V.I. Core Equity Sub-Account.......................         6,498           164,702           3,201           51,990
Invesco V.I. Equity and Income Sub-Account.................    35,060,599       485,126,865      47,241,462       12,705,837
Invesco V.I. Global Real Estate Sub-Account................     2,012,977        28,050,116       9,597,854        2,317,229
Invesco V.I. Growth and Income Sub-Account.................    13,952,369       250,218,096      23,999,020       11,230,394
Invesco V.I. International Growth Sub-Account..............     8,084,783       216,816,575      27,736,513        6,844,164
Janus Aspen Global Research Sub-Account....................           173             4,105              73              426
LMPVET ClearBridge Variable Aggressive Growth                                                                               
  Sub-Account..............................................    10,526,694       173,680,862      31,834,893       14,731,303
LMPVET ClearBridge Variable All Cap Value Sub-Account......     5,180,506       108,091,465      13,093,421       10,449,229
LMPVET ClearBridge Variable Appreciation Sub-Account.......    12,072,871       297,272,179      46,243,652        5,053,515
LMPVET ClearBridge Variable Equity Income Sub-Account......    13,279,712       148,789,202      29,700,748        7,561,386
LMPVET ClearBridge Variable Large Cap Growth                                                                                
  Sub-Account..............................................       226,398         3,757,586         797,143        1,061,468
LMPVET ClearBridge Variable Large Cap Value Sub-Account....       359,950         5,522,541       1,851,418          917,410
LMPVET ClearBridge Variable Small Cap Growth                                                                                
  Sub-Account..............................................     4,673,830        76,531,477      26,245,513        5,068,007
LMPVET Investment Counsel Variable Social Awareness                                                                         
  Sub-Account..............................................         9,442           232,386          10,822           55,604
LMPVET Variable Lifestyle Allocation 50% Sub-Account.......     3,101,366        37,754,389       9,234,898        2,451,069
LMPVET Variable Lifestyle Allocation 70% Sub-Account.......       164,059         1,810,549         239,158          979,283
LMPVET Variable Lifestyle Allocation 85% Sub-Account.......     5,758,589        66,979,732       3,730,962        7,599,475
LMPVIT Western Asset Variable Global High Yield Bond                                                                        
  Sub-Account..............................................    12,899,080       106,265,588      18,950,436        5,775,873
MFS VIT Investors Trust Sub-Account........................           867            15,837             254              957
MFS VIT New Discovery Sub-Account..........................         2,085            31,394             326           10,422
MFS VIT Research Sub-Account...............................         2,221            36,602             952            2,823
MIST AllianceBernstein Global Dynamic Allocation                                                                            
  Sub-Account..............................................   288,647,584     2,874,906,144     339,151,646       70,031,864
MIST American Funds Balanced Allocation Sub-Account........   300,384,157     2,654,037,106     288,642,114      273,202,760

(a)  For the period April 29, 2013 to December 31, 2013.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS -- (CONTINUED)                                    

                                                        [Enlarge/Download Table]

                                                                                                  FOR THE YEAR ENDED      
                                                                AS OF DECEMBER 31, 2013            DECEMBER 31, 2013      
                                                            ------------------------------  ------------------------------
                                                                                               COST OF         PROCEEDS   
                                                               SHARES           COST ($)    PURCHASES ($)   FROM SALES ($)
                                                            -------------    -------------  -------------   --------------
                                                                                                                          
MIST American Funds Growth Allocation Sub-Account..........   156,668,590    1,261,388,927    187,273,795      118,934,248
MIST American Funds Growth Sub-Account.....................    50,753,348      408,915,751     57,650,347       93,433,662
MIST American Funds Moderate Allocation Sub-Account........   162,126,988    1,481,324,840    132,089,031      168,608,325
MIST AQR Global Risk Balanced Sub-Account..................   309,084,305    3,317,257,824    431,509,043      576,853,585
MIST BlackRock Global Tactical Strategies Sub-Account......   493,925,687    4,834,010,333    498,847,226      226,893,346
MIST BlackRock High Yield Sub-Account......................    30,167,540      248,786,488     75,760,990       84,974,024
MIST BlackRock Large Cap Core Sub-Account..................     1,321,838       12,022,012      2,361,192        4,326,602
MIST Clarion Global Real Estate Sub-Account................    16,471,958      186,042,092     33,695,540       21,791,337
MIST ClearBridge Aggressive Growth II Sub-Account..........     1,236,585       87,905,039     25,671,132       39,209,879
MIST ClearBridge Aggressive Growth Sub-Account.............    34,402,945      285,713,931     64,106,785       39,794,082
MIST Goldman Sachs Mid Cap Value Sub-Account...............     9,595,851      125,486,222     24,251,997       31,403,632
MIST Harris Oakmark International Sub-Account..............    36,800,509      503,074,943     71,257,624       62,098,633
MIST Invesco Balanced-Risk Allocation Sub-Account..........    79,693,833      828,213,545    299,761,843      123,809,111
MIST Invesco Comstock Sub-Account..........................    30,548,350      269,995,421     33,140,328       30,436,307
MIST Invesco Mid Cap Value Sub-Account.....................     7,049,086      100,237,071      7,632,318       26,084,710
MIST Invesco Small Cap Growth Sub-Account..................    15,999,668      212,350,271     40,481,426       37,989,461
MIST JPMorgan Core Bond Sub-Account........................    30,726,105      322,736,031    368,984,257      390,876,104
MIST JPMorgan Global Active Allocation Sub-Account.........    64,494,802      685,972,211    411,902,306        1,046,679
MIST JPMorgan Small Cap Value Sub-Account..................     1,398,723       18,072,538      1,214,511        4,652,727
MIST Loomis Sayles Global Markets Sub-Account..............    12,202,424      138,603,312     12,633,756       33,927,527
MIST Lord Abbett Bond Debenture Sub-Account................    19,329,797      235,054,182     46,184,123       55,703,031
MIST Met/Eaton Vance Floating Rate Sub-Account.............     7,863,380       81,726,682     38,100,553        9,085,203
MIST Met/Franklin Low Duration Total Return Sub-Account....    13,988,758      139,401,727    103,155,123        6,840,638
MIST Met/Templeton International Bond Sub-Account..........     4,491,942       52,667,789      6,151,132        9,956,495
MIST MetLife Aggressive Strategy Sub-Account...............    49,251,609      505,233,905     31,238,424       66,673,079
MIST MetLife Balanced Plus Sub-Account.....................   545,623,587    5,483,698,749  1,326,655,191       29,363,967
MIST MetLife Balanced Strategy Sub-Account.................   595,887,355    6,184,791,946    179,740,906      582,662,431
MIST MetLife Defensive Strategy Sub-Account................   166,200,441    1,713,481,836    126,802,565      556,770,928
MIST MetLife Growth Strategy Sub-Account...................   481,641,251    5,446,815,057    810,166,419      458,140,055
MIST MetLife Moderate Strategy Sub-Account.................   285,069,002    2,916,035,754    125,354,093      359,014,276
MIST MetLife Multi-Index Targeted Risk Sub-Account.........    18,679,458      202,610,249    191,498,331           48,099
MIST MFS Emerging Markets Equity Sub-Account...............    44,365,465      429,598,932     57,899,097       24,196,300
MIST MFS Research International Sub-Account................    27,847,098      301,254,346     12,515,033       40,936,928
MIST Morgan Stanley Mid Cap Growth Sub-Account.............    15,499,415      162,566,616     20,430,987        9,125,428
MIST Oppenheimer Global Equity Sub-Account.................     3,800,227       65,786,011     61,353,234        5,032,293
MIST PIMCO Inflation Protected Bond Sub-Account............    83,143,341      917,851,914    113,879,964      147,677,711
MIST PIMCO Total Return Sub-Account........................   170,631,086    2,023,321,900    195,309,222      261,044,205
MIST Pioneer Fund Sub-Account..............................    15,949,343      210,761,236     32,571,171       21,029,394
MIST Pioneer Strategic Income Sub-Account..................    82,625,885      876,148,740    186,717,427       40,347,909
MIST Pyramis Government Income Sub-Account.................    69,421,888      747,414,598     57,541,272      248,471,876
MIST Pyramis Managed Risk Sub-Account (a)..................     7,404,844       76,527,808     77,271,884          733,179
MIST Schroders Global Multi-Asset Sub-Account..............    37,615,021      401,061,129    226,828,734       15,434,410
MIST SSgA Growth and Income ETF Sub-Account................   122,339,438    1,318,083,174    105,350,093      161,848,161
MIST SSgA Growth ETF Sub-Account...........................    39,535,139      399,830,404     57,552,201       48,415,555
MIST T. Rowe Price Large Cap Value Sub-Account.............    20,556,073      503,855,462     37,831,867       83,996,502
MIST T. Rowe Price Mid Cap Growth Sub-Account..............    48,128,833      393,410,732     44,118,921       76,252,053
MIST Third Avenue Small Cap Value Sub-Account..............    15,828,125      220,268,628     14,374,066       56,713,788
MSF Baillie Gifford International Stock Sub-Account........    29,234,216      273,113,712    311,182,861       42,899,023
MSF Barclays Aggregate Bond Index Sub-Account..............    15,178,976      166,570,569     38,878,822       18,832,470
MSF BlackRock Bond Income Sub-Account......................       538,412       57,649,078     12,957,166        9,373,622
MSF BlackRock Capital Appreciation Sub-Account.............       403,724       10,024,567      2,229,406        2,708,887
MSF BlackRock Large Cap Value Sub-Account..................       315,551        3,404,072        669,760          572,388
MSF BlackRock Money Market Sub-Account.....................     4,613,432      461,343,188    176,370,619      284,137,550
MSF Davis Venture Value Sub-Account........................    15,402,597      420,921,811     31,456,149      105,816,524
MSF Frontier Mid Cap Growth Sub-Account (a)................     2,404,461       69,147,627     81,218,276       13,293,468

(a)  For the period April 29, 2013 to December 31, 2013.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

6.  STATEMENTS OF INVESTMENTS -- (CONCLUDED)                                    

                                                        [Enlarge/Download Table]

                                                                                                  FOR THE YEAR ENDED      
                                                                AS OF DECEMBER 31, 2013            DECEMBER 31, 2013      
                                                            ------------------------------  ------------------------------
                                                                                                COST OF        PROCEEDS   
                                                               SHARES           COST ($)     PURCHASES ($)  FROM SALES ($)
                                                            -------------    -------------  --------------  --------------
                                                                                                                          
MSF Jennison Growth Sub-Account............................    37,390,273      429,630,599     69,265,860      113,538,069
MSF Loomis Sayles Small Cap Core Sub-Account...............        46,607       10,168,424      3,048,297        4,215,033
MSF Loomis Sayles Small Cap Growth Sub-Account.............        14,168          188,007        211,819           74,553
MSF Met/Artisan Mid Cap Value Sub-Account..................     1,091,073      231,985,737     27,383,064       33,513,723
MSF Met/Dimensional International Small Company                                                                           
  Sub-Account..............................................     3,950,002       55,914,922     10,427,096        8,833,121
MSF MetLife Conservative Allocation Sub-Account............       626,354        6,754,260        919,266        3,127,833
MSF MetLife Conservative to Moderate Allocation                                                                           
  Sub-Account..............................................       599,876        6,335,265        483,309          849,587
MSF MetLife Mid Cap Stock Index Sub-Account................     6,902,966       92,816,482     28,544,426       18,949,282
MSF MetLife Moderate Allocation Sub-Account................     3,261,902       36,107,143      2,229,013        5,177,503
MSF MetLife Moderate to Aggressive Allocation Sub-Account..     3,987,522       44,870,344      1,095,801        6,663,266
MSF MetLife Stock Index Sub-Account........................    13,516,120      389,602,723     60,002,522       68,223,696
MSF MFS Total Return Sub-Account...........................       284,564       39,885,789     10,177,103        5,437,805
MSF MFS Value Sub-Account..................................    14,761,892      212,369,045    193,949,379       28,267,507
MSF MSCI EAFE Index Sub-Account............................     8,270,194       94,840,872     27,821,011       13,494,237
MSF Neuberger Berman Genesis Sub-Account...................     9,637,909      136,490,541    142,024,747       20,468,073
MSF Russell 2000 Index Sub-Account.........................     7,254,916       97,425,995     27,526,307       13,260,092
MSF T. Rowe Price Large Cap Growth Sub-Account.............     6,246,221      121,943,961    135,856,780       16,437,400
MSF T. Rowe Price Small Cap Growth Sub-Account.............       452,030        6,447,448      2,107,576        2,155,378
MSF Van Eck Global Natural Resources Sub-Account...........     7,538,920      111,407,740     11,063,333       27,639,732
MSF Western Asset Management U.S. Government                                                                              
  Sub-Account..............................................    24,419,140      293,673,478     28,293,902       40,921,526
Neuberger Berman Genesis Sub-Account.......................           170            6,315            744               84
Oppenheimer Main Street Small Cap Fund/VA Sub-Account......     4,469,453       66,979,251      4,589,759       12,914,070
Oppenheimer VA Core Bond Sub-Account.......................         1,105           11,403            459              403
Oppenheimer VA Global Strategic Income Sub-Account.........           835            4,111            226               72
Oppenheimer VA Main Street Sub-Account.....................         3,330           68,347          1,023            5,420
Oppenheimer VA Money Sub-Account...........................         4,008            4,008              1          108,958
Pioneer VCT Disciplined Value Sub-Account..................       140,183        1,349,515        138,952          691,311
Pioneer VCT Emerging Markets Sub-Account...................        29,182          698,961        114,121          161,395
Pioneer VCT Equity Income Sub-Account......................        23,453          418,014         15,014           63,283
Pioneer VCT Ibbotson Growth Allocation Sub-Account.........     1,594,684       12,459,847        731,230        2,137,215
Pioneer VCT Ibbotson Moderate Allocation Sub-Account.......     2,404,547       20,332,710        858,176        2,875,809
Pioneer VCT Mid Cap Value Sub-Account......................     3,154,897       54,265,442      2,889,298        5,251,801
Pioneer VCT Real Estate Shares Sub-Account.................        13,450          194,425         45,554           18,061
T. Rowe Price Growth Stock Sub-Account.....................       158,630        4,682,926        561,068        1,031,842
T. Rowe Price International Stock Sub-Account..............        40,209          555,287         25,016           91,068
T. Rowe Price Prime Reserve Sub-Account....................       558,450          558,450        508,210          672,907
UIF U.S. Real Estate Sub-Account...........................     6,415,183      102,746,012     16,458,164        6,599,672

(a)  For the period April 29, 2013 to December 31, 2013.                        

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS                                                          
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]


                                        ALGER SMALL CAP GROWTH             AMERICAN FUNDS BOND       
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012            2013             2012      
                                    --------------  ---------------  ---------------  -------------- 

                                                                                                     
Units beginning of year............      4,795,545        5,212,661        7,687,811       6,703,194 
Units issued and transferred                                                                         
   from other funding options......        231,164          325,189        2,005,667       2,184,489 
Units redeemed and transferred to                                                                    
   other funding options...........      (639,591)        (742,305)      (1,331,533)     (1,199,872) 
                                    --------------  ---------------  ---------------  -------------- 
Units end of year..................      4,387,118        4,795,545        8,361,945       7,687,811 
                                    ==============  ===============  ===============  ============== 


                                                                             AMERICAN FUNDS          
                                     AMERICAN FUNDS GLOBAL GROWTH      GLOBAL SMALL CAPITALIZATION   
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012             2013            2012      
                                    ---------------  --------------  ---------------  -------------- 

                                                                                                     
Units beginning of year............       8,485,913       8,205,329        3,385,796       3,080,674 
Units issued and transferred                                                                         
   from other funding options......       1,261,036       1,718,893          652,214         863,669 
Units redeemed and transferred to                                                                    
   other funding options...........     (1,413,396)     (1,438,309)        (662,267)       (558,547) 
                                    ---------------  --------------  ---------------  -------------- 
Units end of year..................       8,333,553       8,485,913        3,375,743       3,385,796 
                                    ===============  ==============  ===============  ============== 



                                         AMERICAN FUNDS GROWTH         AMERICAN FUNDS GROWTH-INCOME  
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013            2012      
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............       4,113,319        3,976,212       2,745,842        2,773,925
Units issued and transferred                                                                         
   from other funding options......         453,387          749,508         297,744          440,944
Units redeemed and transferred to                                                                    
   other funding options...........       (629,462)        (612,401)       (461,701)        (469,027)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................       3,937,244        4,113,319       2,581,885        2,745,842
                                    ===============  ===============  ==============  ===============

                                                        [Enlarge/Download Table]

                                          DWS I INTERNATIONAL           FEDERATED HIGH INCOME BOND    
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                         2013             2012              2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       2,040,232        2,245,605            2,556            3,549
Units issued and transferred                                                                          
   from other funding options......         147,844          214,706               --               --
Units redeemed and transferred to                                                                     
   other funding options...........       (299,464)        (420,079)             (11)            (993)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       1,888,612        2,040,232            2,545            2,556
                                    ===============  ===============  ===============  ===============


                                            FEDERATED KAUFMAN           FIDELITY VIP ASSET MANAGER    
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                         2013             2012             2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............           6,002           12,138        6,517,939        7,353,740
Units issued and transferred                                                                          
   from other funding options......              --               --          203,227          274,275
Units redeemed and transferred to                                                                     
   other funding options...........           (166)          (6,136)        (835,636)      (1,110,076)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................           5,836            6,002        5,885,530        6,517,939
                                    ===============  ===============  ===============  ===============


                                        FIDELITY VIP CONTRAFUND          FIDELITY VIP EQUITY-INCOME   
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............      15,604,750       15,588,853          400,352          460,289
Units issued and transferred                                                                          
   from other funding options......       4,408,947        2,218,180            5,137            3,099
Units redeemed and transferred to                                                                     
   other funding options...........     (2,296,246)      (2,202,283)         (63,929)         (63,036)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................      17,717,451       15,604,750          341,560          400,352
                                    ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                     FIDELITY VIP FUNDSMANAGER 50%     FIDELITY VIP FUNDSMANAGER 60%  
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                         2013           2012 (a)           2013             2012      
                                    ---------------  ---------------  ---------------  -------------- 

                                                                                                      
Units beginning of year............      39,080,828               --      345,636,001     272,464,191 
Units issued and transferred                                                                          
   from other funding options......     123,377,437       39,341,051          492,775      86,542,932 
Units redeemed and transferred to                                                                     
   other funding options...........     (3,504,235)        (260,223)     (12,977,090)    (13,371,122) 
                                    ---------------  ---------------  ---------------  -------------- 
Units end of year..................     158,954,030       39,080,828      333,151,686     345,636,001 
                                    ===============  ===============  ===============  ============== 


                                          FIDELITY VIP GROWTH             FIDELITY VIP INDEX 500      
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    -------------------------------  -------------------------------- 
                                         2013             2012             2013             2012      
                                    --------------  ---------------  ---------------  --------------- 

                                                                                                      
Units beginning of year............      9,085,626        9,918,387        3,530,426        3,976,112 
Units issued and transferred                                                                          
   from other funding options......        341,709          730,546           21,793           28,294 
Units redeemed and transferred to                                                                     
   other funding options...........    (1,232,955)      (1,563,307)        (460,663)        (473,980) 
                                    --------------  ---------------  ---------------  --------------- 
Units end of year..................      8,194,380        9,085,626        3,091,556        3,530,426 
                                    ==============  ===============  ===============  =============== 


                                          FIDELITY VIP MID CAP           FIDELITY VIP MONEY MARKET    
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       7,598,912        6,289,465        8,041,430        8,001,050
Units issued and transferred                                                                          
   from other funding options......       1,446,862        2,176,791      139,410,710      120,413,155
Units redeemed and transferred to                                                                     
   other funding options...........     (1,253,103)        (867,344)    (139,144,730)    (120,372,775)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       7,792,671        7,598,912        8,307,410        8,041,430
                                    ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                                                              FTVIPT FRANKLIN         
                                          FIDELITY VIP OVERSEAS              INCOME SECURITIES        
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012            2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............         509,517          540,072        4,708,870        4,290,472
Units issued and transferred                                                                          
   from other funding options......          12,503           26,857          860,767        1,191,730
Units redeemed and transferred to                                                                     
   other funding options...........        (74,877)         (57,412)        (649,971)        (773,332)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................         447,143          509,517        4,919,666        4,708,870
                                    ===============  ===============  ===============  ===============


                                            FTVIPT FRANKLIN                 FTVIPT MUTUAL SHARES      
                                      SMALL CAP VALUE SECURITIES                 SECURITIES           
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                         2013             2012              2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       8,321,925        5,710,847        5,768,385        5,952,328
Units issued and transferred                                                                          
   from other funding options......       2,576,537        3,738,614          550,522          965,771
Units redeemed and transferred to                                                                     
   other funding options...........     (1,714,039)      (1,127,536)        (841,541)      (1,149,714)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       9,184,423        8,321,925        5,477,366        5,768,385
                                    ===============  ===============  ===============  ===============


                                            FTVIPT TEMPLETON                 FTVIPT TEMPLETON         
                                           FOREIGN SECURITIES             GLOBAL BOND SECURITIES      
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012            2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       2,730,167        2,720,421       11,067,808        8,104,261
Units issued and transferred                                                                          
   from other funding options......         184,075          444,001        3,547,855        4,284,150
Units redeemed and transferred to                                                                     
   other funding options...........       (457,225)        (434,255)      (1,664,761)      (1,320,603)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       2,457,017        2,730,167       12,950,902       11,067,808
                                    ===============  ===============  ===============  ===============


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                     INVESCO V.I. AMERICAN FRANCHISE       INVESCO V.I. AMERICAN VALUE    
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  --------------------------------- 
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  --------------- 

                                                                                                          
Units beginning of year............           28,015            18,874         5,515,798        4,490,470 
Units issued and transferred                                                                              
   from other funding options......                5            17,706         1,405,833        1,827,974 
Units redeemed and transferred to                                                                         
   other funding options...........          (5,873)           (8,565)         (958,158)        (802,646) 
                                    ----------------  ----------------  ----------------  --------------- 
Units end of year..................           22,147            28,015         5,963,473        5,515,798 
                                    ================  ================  ================  =============== 


                                        INVESCO V.I. CORE EQUITY        INVESCO V.I. EQUITY AND INCOME    
                                               SUB-ACCOUNT                        SUB-ACCOUNT             
                                    --------------------------------  ----------------------------------  
                                         2013             2012              2013              2012        
                                    ---------------  ---------------  ----------------  ----------------  

                                                                                                          
Units beginning of year............          49,005           63,191        29,563,858        27,370,136  
Units issued and transferred                                                                              
   from other funding options......               1               18         5,739,587         6,876,521  
Units redeemed and transferred to                                                                         
   other funding options...........         (9,171)         (14,204)       (3,975,190)       (4,682,799)  
                                    ---------------  ---------------  ----------------  ----------------  
Units end of year..................          39,835           49,005        31,328,255        29,563,858  
                                    ===============  ===============  ================  ================  


                                     INVESCO V.I. GLOBAL REAL ESTATE     INVESCO V.I. GROWTH AND INCOME   
                                               SUB-ACCOUNT                         SUB-ACCOUNT            
                                    ----------------------------------  ----------------------------------
                                          2013              2012              2013              2012      
                                    ----------------  ----------------  ----------------  ----------------

                                                                                                          
Units beginning of year............        2,556,360         1,863,096        13,407,203        11,777,382
Units issued and transferred                                                                              
   from other funding options......        1,352,296         1,078,991         2,432,918         3,449,278
Units redeemed and transferred to                                                                         
   other funding options...........        (654,076)         (385,727)       (2,040,267)       (1,819,457)
                                    ----------------  ----------------  ----------------  ----------------
Units end of year..................        3,254,580         2,556,360        13,799,854        13,407,203
                                    ================  ================  ================  ================

                                                        [Enlarge/Download Table]


                                    INVESCO V.I. INTERNATIONAL GROWTH    JANUS ASPEN GLOBAL RESEARCH  
                                               SUB-ACCOUNT                       SUB-ACCOUNT          
                                    ---------------------------------  -------------------------------
                                          2013            2012              2013             2012     
                                     --------------  --------------    --------------  ---------------

                                                                                                      
Units beginning of year............       8,127,475       6,481,068               769              769
Units issued and transferred                                                                          
   from other funding options......       1,760,912       2,444,775                --               --
Units redeemed and transferred to                                                                     
   other funding options...........       (987,033)       (798,368)              (48)               --
                                     --------------  --------------    --------------  ---------------
Units end of year..................       8,901,354       8,127,475               721              769
                                     ==============  ==============    ==============  ===============


                                           LMPVET CLEARBRIDGE               LMPVET CLEARBRIDGE        
                                       VARIABLE AGGRESSIVE GROWTH         VARIABLE ALL CAP VALUE      
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012            2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............      11,687,754       11,855,614        3,081,671        3,213,146
Units issued and transferred                                                                          
   from other funding options......       2,702,461        2,474,667          316,163          465,469
Units redeemed and transferred to                                                                     
   other funding options...........     (2,411,214)      (2,642,527)        (475,543)        (596,944)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................      11,979,001       11,687,754        2,922,291        3,081,671
                                    ===============  ===============  ===============  ===============


                                          LMPVET CLEARBRIDGE                LMPVET CLEARBRIDGE        
                                         VARIABLE APPRECIATION            VARIABLE EQUITY INCOME      
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  ------------------------------- 
                                         2013             2012             2013             2012      
                                    ---------------  ---------------  ---------------  -------------- 

                                                                                                      
Units beginning of year............       7,908,912        7,021,537        9,055,914       8,013,455 
Units issued and transferred                                                                          
   from other funding options......       1,753,644        2,091,600        2,599,732       2,895,083 
Units redeemed and transferred to                                                                     
   other funding options...........     (1,058,149)      (1,204,225)      (1,411,492)     (1,852,624) 
                                    ---------------  ---------------  ---------------  -------------- 
Units end of year..................       8,604,407        7,908,912       10,244,154       9,055,914 
                                    ===============  ===============  ===============  ============== 

                                                        [Enlarge/Download Table]

                                      LMPVET CLEARBRIDGE VARIABLE       LMPVET CLEARBRIDGE VARIABLE  
                                           LARGE CAP GROWTH                   LARGE CAP VALUE        
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............         283,429          363,040         286,427          265,335
Units issued and transferred                                                                         
   from other funding options......          16,933           26,721          91,925           92,095
Units redeemed and transferred to                                                                    
   other funding options...........        (57,408)        (106,332)        (58,751)         (71,003)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................         242,954          283,429         319,601          286,427
                                    ===============  ===============  ==============  ===============


                                      LMPVET CLEARBRIDGE VARIABLE        LMPVET INVESTMENT COUNSEL   
                                           SMALL CAP GROWTH              VARIABLE SOCIAL AWARENESS   
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............       3,457,289        2,686,955           9,185           17,377
Units issued and transferred                                                                         
   from other funding options......       1,487,008        1,387,037             363              341
Units redeemed and transferred to                                                                    
   other funding options...........       (841,470)        (616,703)         (1,616)          (8,533)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................       4,102,827        3,457,289           7,932            9,185
                                    ===============  ===============  ==============  ===============


                                            LMPVET VARIABLE                  LMPVET VARIABLE         
                                       LIFESTYLE ALLOCATION 50%         LIFESTYLE ALLOCATION 70%     
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012            2013             2012      
                                    ---------------  --------------  --------------  --------------- 

                                                                                                     
Units beginning of year............       1,699,443       1,414,982         162,342          219,583 
Units issued and transferred                                                                         
   from other funding options......         532,901         529,688          12,965            1,501 
Units redeemed and transferred to                                                                    
   other funding options...........       (220,911)       (245,227)        (53,912)         (58,742) 
                                    ---------------  --------------  --------------  --------------- 
Units end of year..................       2,011,433       1,699,443         121,395          162,342 
                                    ===============  ==============  ==============  =============== 

                                                        [Enlarge/Download Table]

                                       LMPVET VARIABLE LIFESTYLE      LMPVIT WESTERN ASSET VARIABLE   
                                            ALLOCATION 85%               GLOBAL HIGH YIELD BOND       
                                              SUB-ACCOUNT                      SUB-ACCOUNT            
                                    -------------------------------  ------------------------------   
                                         2013             2012            2013            2012        
                                    ---------------  --------------  --------------  --------------   

                                                                                                      
Units beginning of year............       5,015,187       4,732,454       4,039,328       3,594,817   
Units issued and transferred                                                                          
   from other funding options......         343,106         820,273       1,173,324       1,232,020   
Units redeemed and transferred to                                                                     
   other funding options...........       (568,108)       (537,540)       (825,774)       (787,509)   
                                    ---------------  --------------  --------------  --------------   
Units end of year..................       4,790,185       5,015,187       4,386,878       4,039,328   
                                    ===============  ==============  ==============  ==============   



                                         MFS VIT INVESTORS TRUST            MFS VIT NEW DISCOVERY     
                                               SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............           3,616            7,050            4,161            4,939
Units issued and transferred                                                                          
   from other funding options......              --               --               --               --
Units redeemed and transferred to                                                                     
   other funding options...........            (99)          (3,434)            (867)            (778)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................           3,517            3,616            3,294            4,161
                                    ===============  ===============  ===============  ===============


                                                                       MIST ALLIANCEBERNSTEIN GLOBAL  
                                           MFS VIT RESEARCH                 DYNAMIC ALLOCATION        
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013            2012             2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............           8,335            8,675      267,334,005      168,434,681
Units issued and transferred                                                                          
   from other funding options......              92               --       49,782,034      116,824,775
Units redeemed and transferred to                                                                     
   other funding options...........           (295)            (340)     (30,859,953)     (17,925,451)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................           8,132            8,335      286,256,086      267,334,005
                                    ===============  ===============  ===============  ===============


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                             MIST AMERICAN                  MIST AMERICAN FUNDS      
                                       FUNDS BALANCED ALLOCATION             GROWTH ALLOCATION       
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............     292,605,761      306,967,734     149,020,463      159,224,115
Units issued and transferred                                                                         
   from other funding options......      18,431,005       19,362,093      20,136,813       14,465,078
Units redeemed and transferred to                                                                    
   other funding options...........    (34,206,231)     (33,724,066)    (21,362,764)     (24,668,730)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................     276,830,535      292,605,761     147,794,512      149,020,463
                                    ===============  ===============  ==============  ===============


                                                                            MIST AMERICAN FUNDS      
                                      MIST AMERICAN FUNDS GROWTH            MODERATE ALLOCATION      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    -------------------------------  --------------------------------
                                         2013             2012             2013            2012      
                                    ---------------  --------------  ---------------  ---------------

                                                                                                     
Units beginning of year............      54,812,434      64,256,598      159,499,085      168,982,398
Units issued and transferred                                                                         
   from other funding options......      19,877,224       8,420,717        6,661,377       10,897,945
Units redeemed and transferred to                                                                    
   other funding options...........    (15,095,840)    (17,864,881)     (18,387,247)     (20,381,258)
                                    ---------------  --------------  ---------------  ---------------
Units end of year..................      59,593,818      54,812,434      147,773,215      159,499,085
                                    ===============  ==============  ===============  ===============


                                         MIST AQR GLOBAL RISK             MIST BLACKROCK GLOBAL      
                                               BALANCED                    TACTICAL STRATEGIES       
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  --------------------------------
                                         2013             2012             2013            2012      
                                    --------------  ---------------  ---------------  ---------------

                                                                                                     
Units beginning of year............    324,843,850      179,038,392      471,913,542      297,189,715
Units issued and transferred                                                                         
   from other funding options......     59,582,950      166,064,494       76,646,145      206,814,495
Units redeemed and transferred to                                                                    
   other funding options...........   (89,318,604)     (20,259,036)     (60,984,960)     (32,090,668)
                                    --------------  ---------------  ---------------  ---------------
Units end of year..................    295,108,196      324,843,850      487,574,727      471,913,542
                                    ==============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]


                                       MIST BLACKROCK HIGH YIELD       MIST BLACKROCK LARGE CAP CORE  
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  ------------------------------- 
                                          2013            2012             2013             2012      
                                    ---------------  ---------------  --------------  --------------- 

                                                                                                      
Units beginning of year............      11,949,833       10,891,616       1,423,242        1,414,721 
Units issued and transferred                                                                          
   from other funding options......       4,448,298        6,729,999         248,426          448,336 
Units redeemed and transferred to                                                                     
   other funding options...........     (5,614,449)      (5,671,782)       (411,414)        (439,815) 
                                    ---------------  ---------------  --------------  --------------- 
Units end of year..................      10,783,682       11,949,833       1,260,254        1,423,242 
                                    ===============  ===============  ==============  =============== 


                                                                              MIST CLEARBRIDGE        
                                    MIST CLARION GLOBAL REAL ESTATE         AGGRESSIVE GROWTH II      
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                         2013             2012              2013            2012      
                                    ---------------  --------------   ---------------  ---------------

                                                                                                      
Units beginning of year............      10,967,900      11,304,866           687,043          543,584
Units issued and transferred                                                                          
   from other funding options......       3,149,547       2,105,122           252,978          362,623
Units redeemed and transferred to                                                                     
   other funding options...........     (3,017,856)     (2,442,088)         (335,228)        (219,164)
                                    ---------------  --------------   ---------------  ---------------
Units end of year..................      11,099,591      10,967,900           604,793          687,043
                                    ===============  ==============   ===============  ===============


                                           MIST CLEARBRIDGE                MIST GOLDMAN SACHS         
                                           AGGRESSIVE GROWTH                  MID CAP VALUE           
                                              SUB-ACCOUNT                      SUB-ACCOUNT            
                                    -------------------------------  -------------------------------  
                                         2013             2012            2013             2012       
                                    --------------  ---------------  ---------------  --------------  

                                                                                                      
Units beginning of year............     33,802,849       35,764,496        8,486,283       9,263,271  
Units issued and transferred                                                                          
   from other funding options......     12,353,599        7,911,776        2,123,717       1,124,342  
Units redeemed and transferred to                                                                     
   other funding options...........    (9,856,765)      (9,873,423)      (2,670,616)     (1,901,330)  
                                    --------------  ---------------  ---------------  --------------  
Units end of year..................     36,299,683       33,802,849        7,939,384       8,486,283  
                                    ==============  ===============  ===============  ==============  

                                                        [Enlarge/Download Table]

                                          MIST HARRIS OAKMARK                MIST INVESCO             
                                             INTERNATIONAL             BALANCED-RISK ALLOCATION       
                                              SUB-ACCOUNT                     SUB-ACCOUNT             
                                    ------------------------------  -------------------------------   
                                         2013            2012             2013          2012 (b)      
                                    --------------  --------------  ---------------  --------------   

                                                                                                      
Units beginning of year............     25,722,293      28,033,038      631,214,101              --   
Units issued and transferred                                                                          
   from other funding options......      6,769,558       5,193,899      443,294,590     650,591,123   
Units redeemed and transferred to                                                                     
   other funding options...........    (6,722,399)     (7,504,644)    (273,647,738)    (19,377,022)   
                                    --------------  --------------  ---------------  --------------   
Units end of year..................     25,769,452      25,722,293      800,860,953     631,214,101   
                                    ==============  ==============  ===============  ==============   



                                         MIST INVESCO COMSTOCK           MIST INVESCO MID CAP VALUE   
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013            2012              2013            2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............      26,662,653       25,137,797        5,175,603        5,366,862
Units issued and transferred                                                                          
   from other funding options......       6,360,415        7,479,612          726,776          997,969
Units redeemed and transferred to                                                                     
   other funding options...........     (6,133,804)      (5,954,756)      (1,282,477)      (1,189,228)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................      26,889,264       26,662,653        4,619,902        5,175,603
                                    ===============  ===============  ===============  ===============



                                     MIST INVESCO SMALL CAP GROWTH       MIST JPMORGAN CORE BOND      
                                              SUB-ACCOUNT                      SUB-ACCOUNT            
                                    -------------------------------  -------------------------------  
                                         2013             2012            2013             2012       
                                    --------------  ---------------  --------------  ---------------  

                                                                                                      
Units beginning of year............     13,528,657       13,942,780      31,242,391       32,528,572  
Units issued and transferred                                                                          
   from other funding options......      3,270,520        3,212,680      69,538,044        7,302,721  
Units redeemed and transferred to                                                                     
   other funding options...........    (3,796,043)      (3,626,803)    (71,340,945)      (8,588,902)  
                                    --------------  ---------------  --------------  ---------------  
Units end of year..................     13,003,134       13,528,657      29,439,490       31,242,391  
                                    ==============  ===============  ==============  ===============  

                                                        [Enlarge/Download Table]

                                          MIST JPMORGAN GLOBAL                                       
                                            ACTIVE ALLOCATION          MIST JPMORGAN SMALL CAP VALUE 
                                               SUB-ACCOUNT                      SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013          2012 (b)           2013             2012     
                                    ---------------  ---------------  ---------------  --------------

                                                                                                     
Units beginning of year............     269,034,003               --        1,643,159       1,650,824
Units issued and transferred                                                                         
   from other funding options......     441,036,411      274,291,117          124,281         241,604
Units redeemed and transferred to                                                                    
   other funding options...........    (60,216,445)      (5,257,114)        (311,857)       (249,269)
                                    ---------------  ---------------  ---------------  --------------
Units end of year..................     649,853,969      269,034,003        1,455,583       1,643,159
                                    ===============  ===============  ===============  ==============


                                           MIST LOOMIS SAYLES                MIST LORD ABBETT        
                                             GLOBAL MARKETS                   BOND DEBENTURE         
                                               SUB-ACCOUNT                      SUB-ACCOUNT          
                                    --------------------------------  ------------------------------ 
                                          2013            2012             2013            2012      
                                    ---------------  ---------------  --------------  -------------- 

                                                                                                     
Units beginning of year............      12,318,466       13,161,956      10,178,078      10,848,076 
Units issued and transferred                                                                         
   from other funding options......       1,930,340        2,618,481       2,088,131       1,371,896 
Units redeemed and transferred to                                                                    
   other funding options...........     (3,405,983)      (3,461,971)     (2,925,191)     (2,041,894) 
                                    ---------------  ---------------  --------------  -------------- 
Units end of year..................      10,842,823       12,318,466       9,341,018      10,178,078 
                                    ===============  ===============  ==============  ============== 


                                         MIST MET/EATON VANCE                MIST MET/FRANKLIN       
                                             FLOATING RATE               LOW DURATION TOTAL RETURN   
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  ------------------------------ 
                                          2013            2012             2013            2012      
                                    ---------------  ---------------  --------------  -------------- 

                                                                                                     
Units beginning of year............       5,007,151        4,263,176       4,349,231       2,835,514 
Units issued and transferred                                                                         
   from other funding options......       4,910,363        2,295,738      13,737,199       2,859,109 
Units redeemed and transferred to                                                                    
   other funding options...........     (2,397,545)      (1,551,763)     (4,035,637)     (1,345,392) 
                                    ---------------  ---------------  --------------  -------------- 
Units end of year..................       7,519,969        5,007,151      14,050,793       4,349,231 
                                    ===============  ===============  ==============  ============== 


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                          MIST MET/TEMPLETON                 MIST METLIFE             
                                          INTERNATIONAL BOND              AGGRESSIVE STRATEGY         
                                              SUB-ACCOUNT                     SUB-ACCOUNT             
                                    ------------------------------  -------------------------------   
                                         2013            2012            2013             2012        
                                    --------------  --------------  --------------  ---------------   

                                                                                                      
Units beginning of year............      4,238,395       4,276,073      44,655,767       49,390,389   
Units issued and transferred                                                                          
   from other funding options......        985,885       1,128,325       4,811,432        4,301,820   
Units redeemed and transferred to                                                                     
   other funding options...........    (1,318,951)     (1,166,003)     (7,015,919)      (9,036,442)   
                                    --------------  --------------  --------------  ---------------   
Units end of year..................      3,905,329       4,238,395      42,451,280       44,655,767   
                                    ==============  ==============  ==============  ===============   


                                              MIST METLIFE                     MIST METLIFE           
                                              BALANCED PLUS                  BALANCED STRATEGY        
                                               SUB-ACCOUNT                      SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                          2013             2012             2013            2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............     438,994,467      257,076,022      550,560,779      592,824,603
Units issued and transferred                                                                          
   from other funding options......     154,477,158      208,342,594       36,007,453       38,366,523
Units redeemed and transferred to                                                                     
   other funding options...........    (46,374,998)     (26,424,149)     (67,366,811)     (80,630,347)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................     547,096,627      438,994,467      519,201,421      550,560,779
                                    ===============  ===============  ===============  ===============


                                             MIST METLIFE                      MIST METLIFE           
                                          DEFENSIVE STRATEGY                  GROWTH STRATEGY         
                                              SUB-ACCOUNT                       SUB-ACCOUNT           
                                    --------------------------------  --------------------------------
                                         2013             2012             2013             2012      
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............     178,585,503      186,262,512      407,576,342      446,977,194
Units issued and transferred                                                                          
   from other funding options......      12,195,405       36,676,249       80,860,643       23,060,082
Units redeemed and transferred to                                                                     
   other funding options...........    (50,200,387)     (44,353,258)     (53,560,238)     (62,460,934)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................     140,580,521      178,585,503      434,876,747      407,576,342
                                    ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                             MIST METLIFE               MIST METLIFE MULTI-INDEX    
                                           MODERATE STRATEGY                  TARGETED RISK         
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  ------------------------------ 
                                         2013             2012            2013          2012 (c)    
                                    --------------  ---------------  --------------  -------------- 

                                                                                                    
Units beginning of year............    266,549,696      281,377,647      11,094,386              -- 
Units issued and transferred                                                                        
   from other funding options......     19,283,696       27,689,670     150,360,164      11,117,372 
Units redeemed and transferred to                                                                   
   other funding options...........   (38,726,315)     (42,517,621)     (7,504,407)        (22,986) 
                                    --------------  ---------------  --------------  -------------- 
Units end of year..................    247,107,077      266,549,696     153,950,143      11,094,386 
                                    ==============  ===============  ==============  ============== 


                                               MIST MFS                         MIST MFS            
                                        EMERGING MARKETS EQUITY          RESEARCH INTERNATIONAL     
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013             2012            2013             2012     
                                    ---------------  --------------  ---------------  --------------

                                                                                                    
Units beginning of year............      38,352,212      37,004,554       21,667,563      22,841,018
Units issued and transferred                                                                        
   from other funding options......      12,177,917       9,475,344        2,142,621       3,053,885
Units redeemed and transferred to                                                                   
   other funding options...........     (8,906,952)     (8,127,686)      (4,193,701)     (4,227,340)
                                    ---------------  --------------  ---------------  --------------
Units end of year..................      41,623,177      38,352,212       19,616,483      21,667,563
                                    ===============  ==============  ===============  ==============


                                          MIST MORGAN STANLEY               MIST OPPENHEIMER        
                                            MID CAP GROWTH                    GLOBAL EQUITY         
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013             2012             2013            2012     
                                    ---------------  --------------  ---------------  --------------

                                                                                                    
Units beginning of year............      12,225,316       8,735,505          500,711         559,531
Units issued and transferred                                                                        
   from other funding options......       3,100,228       4,900,360        3,443,548          38,793
Units redeemed and transferred to                                                                   
   other funding options...........     (2,225,641)     (1,410,549)        (816,539)        (97,613)
                                    ---------------  --------------  ---------------  --------------
Units end of year..................      13,099,903      12,225,316        3,127,720         500,711
                                    ===============  ==============  ===============  ==============

                                                        [Enlarge/Download Table]

                                              MIST PIMCO                       MIST PIMCO           
                                       INFLATION PROTECTED BOND               TOTAL RETURN          
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013            2012             2013            2012      
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............     64,013,091       63,087,877     128,302,689      132,311,947
Units issued and transferred                                                                        
   from other funding options......     14,947,068       16,960,767      24,830,457       27,859,521
Units redeemed and transferred to                                                                   
   other funding options...........   (21,311,654)     (16,035,553)    (34,713,308)     (31,868,779)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................     57,648,505       64,013,091     118,419,838      128,302,689
                                    ==============  ===============  ==============  ===============


                                                                              MIST PIONEER          
                                           MIST PIONEER FUND                STRATEGIC INCOME        
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013            2012             2013            2012      
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............     11,331,680        9,480,402      29,638,373       24,444,162
Units issued and transferred                                                                        
   from other funding options......      3,073,514        3,453,766      17,942,693       10,611,047
Units redeemed and transferred to                                                                   
   other funding options...........    (1,972,643)      (1,602,488)     (6,131,045)      (5,416,836)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................     12,432,551       11,331,680      41,450,021       29,638,373
                                    ==============  ===============  ==============  ===============


                                             MIST PYRAMIS             MIST PYRAMIS                  
                                           GOVERNMENT INCOME          MANAGED RISK                  
                                              SUB-ACCOUNT              SUB-ACCOUNT                  
                                    -------------------------------  --------------                 
                                         2013            2012           2013 (d)                    
                                    --------------  ---------------  --------------                 

                                                                                                    
Units beginning of year............     88,599,553       45,618,019              --                 
Units issued and transferred                                                                        
   from other funding options......     20,394,869       64,826,342       7,910,133                 
Units redeemed and transferred to                                                                   
   other funding options...........   (39,506,061)     (21,844,808)       (616,086)                 
                                    --------------  ---------------  --------------                 
Units end of year..................     69,488,361       88,599,553       7,294,047                 
                                    ==============  ===============  ==============                 

                                                        [Enlarge/Download Table]

                                            MIST SCHRODERS                      MIST SSGA           
                                          GLOBAL MULTI-ASSET              GROWTH AND INCOME ETF     
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013          2012 (b)           2013             2012     
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............    179,641,654               --     118,446,237      120,297,977
Units issued and transferred                                                                        
   from other funding options......    254,720,312      184,349,381       8,842,539       17,478,592
Units redeemed and transferred to                                                                   
   other funding options...........   (59,100,608)      (4,707,727)    (16,853,399)     (19,330,332)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................    375,261,358      179,641,654     110,435,377      118,446,237
                                    ==============  ===============  ==============  ===============


                                                                           MIST T. ROWE PRICE       
                                         MIST SSGA GROWTH ETF                LARGE CAP VALUE        
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013             2012            2013            2012      
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............     36,733,044       37,984,453      12,231,249       13,446,503
Units issued and transferred                                                                        
   from other funding options......      5,769,705        8,263,310       1,603,300        1,153,503
Units redeemed and transferred to                                                                   
   other funding options...........    (6,583,525)      (9,514,719)     (2,513,569)      (2,368,757)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................     35,919,224       36,733,044      11,320,980       12,231,249
                                    ==============  ===============  ==============  ===============


                                          MIST T. ROWE PRICE                MIST THIRD AVENUE       
                                            MID CAP GROWTH                   SMALL CAP VALUE        
                                              SUB-ACCOUNT                      SUB-ACCOUNT          
                                    -------------------------------  -------------------------------
                                         2013             2012            2013             2012     
                                    --------------  ---------------  --------------  ---------------

                                                                                                    
Units beginning of year............     41,941,697       44,089,511      15,859,523       18,611,699
Units issued and transferred                                                                        
   from other funding options......      6,286,743        7,017,740       1,894,187        1,630,404
Units redeemed and transferred to                                                                   
   other funding options...........   (10,262,528)      (9,165,554)     (3,760,994)      (4,382,580)
                                    --------------  ---------------  --------------  ---------------
Units end of year..................     37,965,912       41,941,697      13,992,716       15,859,523
                                    ==============  ===============  ==============  ===============


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONTINUED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                          MSF BAILLIE GIFFORD                  MSF BARCLAYS          
                                          INTERNATIONAL STOCK              AGGREGATE BOND INDEX      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    -------------------------------  --------------------------------
                                         2013             2012             2013            2012      
                                    ---------------  --------------  ---------------  ---------------

                                                                                                     
Units beginning of year............         219,106         282,028       10,756,748        8,083,366
Units issued and transferred                                                                         
   from other funding options......      35,014,663          25,473        6,105,533        4,814,657
Units redeemed and transferred to                                                                    
   other funding options...........     (5,683,952)        (88,395)      (3,325,344)      (2,141,275)
                                    ---------------  --------------  ---------------  ---------------
Units end of year..................      29,549,817         219,106       13,536,937       10,756,748
                                    ===============  ==============  ===============  ===============


                                             MSF BLACKROCK                   MSF BLACKROCK           
                                              BOND INCOME                CAPITAL APPRECIATION        
                                              SUB-ACCOUNT                     SUB-ACCOUNT            
                                    ------------------------------  -------------------------------  
                                         2013            2012            2013             2012       
                                    --------------  --------------  ---------------  --------------  

                                                                                                     
Units beginning of year............      1,045,629         953,075          745,728         814,200  
Units issued and transferred                                                                         
   from other funding options......        259,586         277,049          149,273         197,460  
Units redeemed and transferred to                                                                    
   other funding options...........      (250,867)       (184,495)        (173,786)       (265,932)  
                                    --------------  --------------  ---------------  --------------  
Units end of year..................      1,054,348       1,045,629          721,215         745,728  
                                    ==============  ==============  ===============  ==============  


                                              MSF BLACKROCK                    MSF BLACKROCK         
                                             LARGE CAP VALUE                   MONEY MARKET          
                                               SUB-ACCOUNT                      SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............         230,438          252,494      53,484,009       59,067,302
Units issued and transferred                                                                         
   from other funding options......          39,765           44,601      42,460,926       43,722,394
Units redeemed and transferred to                                                                    
   other funding options...........        (45,013)         (66,657)    (51,615,737)     (49,305,687)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................         225,190          230,438      44,329,198       53,484,009
                                    ===============  ===============  ==============  ===============

                                                        [Enlarge/Download Table]

                                                                       MSF FRONTIER                                   
                                         MSF DAVIS VENTURE VALUE      MID CAP GROWTH         MSF JENNISON GROWTH      
                                               SUB-ACCOUNT              SUB-ACCOUNT              SUB-ACCOUNT          
                                    --------------------------------  ---------------  -------------------------------
                                          2013             2012          2013 (d)           2013             2012     
                                    ---------------  ---------------  ---------------  ---------------  --------------

                                                                                                                      
Units beginning of year............      41,401,029       48,368,185               --       35,125,323      20,877,221
Units issued and transferred                                                                                          
   from other funding options......       3,841,529        3,838,366        5,813,772        6,890,303      22,832,898
Units redeemed and transferred to                                                                                     
   other funding options...........     (9,032,971)     (10,805,522)      (1,046,051)      (9,441,429)     (8,584,796)
                                    ---------------  ---------------  ---------------  ---------------  --------------
Units end of year..................      36,209,587       41,401,029        4,767,721       32,574,197      35,125,323
                                    ===============  ===============  ===============  ===============  ==============


                                            MSF LOOMIS SAYLES                MSF LOOMIS SAYLES                        
                                             SMALL CAP CORE                  SMALL CAP GROWTH                         
                                               SUB-ACCOUNT                      SUB-ACCOUNT                           
                                    --------------------------------  -------------------------------                 
                                          2013            2012             2013           2012 (b)                    
                                    ---------------  ---------------  ---------------  --------------                 

                                                                                                                      
Units beginning of year............         330,015          310,374            3,306              --                 
Units issued and transferred                                                                                          
   from other funding options......          60,857           98,496           13,578           3,306                 
Units redeemed and transferred to                                                                                     
   other funding options...........       (107,545)         (78,855)          (4,378)              --                 
                                    ---------------  ---------------  ---------------  --------------                 
Units end of year..................         283,327          330,015           12,506           3,306                 
                                    ===============  ===============  ===============  ==============                 


                                            MSF MET/ARTISAN                                                           
                                             MID CAP VALUE                                                            
                                              SUB-ACCOUNT                                                             
                                    -------------------------------                                                   
                                         2013             2012                                                        
                                    --------------  ---------------                                                   

                                                                                                                      
Units beginning of year............     13,419,571       14,599,235                                                   
Units issued and transferred                                                                                          
   from other funding options......      2,613,526        1,633,041                                                   
Units redeemed and transferred to                                                                                     
   other funding options...........    (2,907,307)      (2,812,705)                                                   
                                    --------------  ---------------                                                   
Units end of year..................     13,125,790       13,419,571                                                   
                                    ==============  ===============                                                   

                                                        [Enlarge/Download Table]

                                          MSF MET/DIMENSIONAL                   MSF METLIFE             
                                      INTERNATIONAL SMALL COMPANY         CONSERVATIVE ALLOCATION       
                                              SUB-ACCOUNT                       SUB-ACCOUNT             
                                    --------------------------------  --------------------------------  
                                         2013             2012             2013             2012        
                                    ---------------  ---------------  ---------------  ---------------  

                                                                                                        
Units beginning of year............       3,203,412        3,336,605          735,694          850,770  
Units issued and transferred                                                                            
   from other funding options......         832,391          791,959           51,604           73,579  
Units redeemed and transferred to                                                                       
   other funding options...........       (827,252)        (925,152)        (230,263)        (188,655)  
                                    ---------------  ---------------  ---------------  ---------------  
Units end of year..................       3,208,551        3,203,412          557,035          735,694  
                                    ===============  ===============  ===============  ===============  


                                      MSF METLIFE CONSERVATIVE TO               MSF METLIFE             
                                          MODERATE ALLOCATION               MID CAP STOCK INDEX         
                                              SUB-ACCOUNT                       SUB-ACCOUNT             
                                    --------------------------------  --------------------------------  
                                         2013             2012             2013             2012        
                                    ---------------  ---------------  ---------------  ---------------  

                                                                                                        
Units beginning of year............         588,986          608,383        4,914,049        4,708,991  
Units issued and transferred                                                                            
   from other funding options......          17,083           51,385        2,339,087        1,761,634  
Units redeemed and transferred to                                                                       
   other funding options...........        (55,173)         (70,782)      (1,751,777)      (1,556,576)  
                                    ---------------  ---------------  ---------------  ---------------  
Units end of year..................         550,896          588,986        5,501,359        4,914,049  
                                    ===============  ===============  ===============  ===============  


                                              MSF METLIFE                        MSF METLIFE            
                                          MODERATE ALLOCATION         MODERATE TO AGGRESSIVE ALLOCATION 
                                              SUB-ACCOUNT                        SUB-ACCOUNT            
                                    --------------------------------  ----------------------------------
                                         2013             2012              2013             2012       
                                    ---------------  ---------------   ---------------  --------------- 

                                                                                                        
Units beginning of year............       3,326,548        3,930,913         4,335,356        4,632,179 
Units issued and transferred                                                                            
   from other funding options......          91,734          324,723            54,564           71,059 
Units redeemed and transferred to                                                                       
   other funding options...........       (345,160)        (929,088)         (462,019)        (367,882) 
                                    ---------------  ---------------   ---------------  --------------- 
Units end of year..................       3,073,122        3,326,548         3,927,901        4,335,356 
                                    ===============  ===============   ===============  =============== 

                                                        [Enlarge/Download Table]

                                        MSF METLIFE STOCK INDEX         MSF MFS TOTAL RETURN                 MSF MFS VALUE         
                                              SUB-ACCOUNT                    SUB-ACCOUNT                      SUB-ACCOUNT          
                                    ------------------------------  ------------------------------  ------------------------------ 
                                         2013            2012            2013            2012            2013            2012      
                                    --------------  --------------  --------------  --------------  --------------  -------------- 

                                                                                                                                   
Units beginning of year............     29,109,224      25,347,914         730,405         826,212       3,025,966       3,145,406 
Units issued and transferred                                                                                                       
   from other funding options......      6,636,730      14,585,302         213,323         113,713      11,667,337         433,811 
Units redeemed and transferred to                                                                                                  
   other funding options...........    (7,121,566)    (10,823,992)       (129,604)       (209,520)     (2,553,425)       (553,251) 
                                    --------------  --------------  --------------  --------------  --------------  -------------- 
Units end of year..................     28,624,388      29,109,224         814,124         730,405      12,139,878       3,025,966 
                                    ==============  ==============  ==============  ==============  ==============  ============== 


                                          MSF MSCI EAFE INDEX         MSF NEUBERGER BERMAN GENESIS       MSF RUSSELL 2000 INDEX    
                                              SUB-ACCOUNT                      SUB-ACCOUNT                     SUB-ACCOUNT         
                                    -------------------------------  ------------------------------  ------------------------------
                                         2013             2012            2013            2012            2013            2012     
                                    ---------------  --------------  --------------  --------------  --------------  --------------

                                                                                                                                   
Units beginning of year............       7,172,234       6,390,970         626,194         647,811       5,078,788       3,926,223
Units issued and transferred                                                                                                       
   from other funding options......       3,468,301       2,557,262       8,992,058         169,024       2,243,147       3,452,677
Units redeemed and transferred to                                                                                                  
   other funding options...........     (1,830,889)     (1,775,998)     (1,598,077)       (190,641)     (1,486,434)     (2,300,112)
                                    ---------------  --------------  --------------  --------------  --------------  --------------
Units end of year..................       8,809,646       7,172,234       8,020,175         626,194       5,835,501       5,078,788
                                    ===============  ==============  ==============  ==============  ==============  ==============


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

7.  SCHEDULES OF UNITS -- (CONCLUDED)                                           
FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012:                         

                                                        [Enlarge/Download Table]

                                           MSF T. ROWE PRICE               MSF T. ROWE PRICE         
                                           LARGE CAP GROWTH                SMALL CAP GROWTH          
                                              SUB-ACCOUNT                     SUB-ACCOUNT            
                                    ------------------------------  -------------------------------  
                                         2013            2012            2013             2012       
                                    --------------  --------------  ---------------  --------------  

                                                                                                     
Units beginning of year............         39,346          44,809          380,162         417,381  
Units issued and transferred                                                                         
   from other funding options......     18,370,073          21,120           74,979          41,453  
Units redeemed and transferred to                                                                    
   other funding options...........    (3,721,339)        (26,583)         (98,222)        (78,672)  
                                    --------------  --------------  ---------------  --------------  
Units end of year..................     14,688,080          39,346          356,919         380,162  
                                    ==============  ==============  ===============  ==============  


                                              MSF VAN ECK              MSF WESTERN ASSET MANAGEMENT  
                                       GLOBAL NATURAL RESOURCES               U.S. GOVERNMENT        
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    -------------------------------  --------------------------------
                                          2013            2012             2013            2012      
                                    ---------------  --------------  ---------------  ---------------

                                                                                                     
Units beginning of year............       7,200,491       6,910,683       17,244,875       16,038,241
Units issued and transferred                                                                         
   from other funding options......       1,538,360       2,301,818        4,180,259        6,048,090
Units redeemed and transferred to                                                                    
   other funding options...........     (2,460,184)     (2,012,010)      (5,007,641)      (4,841,456)
                                    ---------------  --------------  ---------------  ---------------
Units end of year..................       6,278,667       7,200,491       16,417,493       17,244,875
                                    ===============  ==============  ===============  ===============



                                       NEUBERGER BERMAN GENESIS         OPPENHEIMER VA CORE BOND     
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012            2013             2012      
                                    --------------  ---------------  --------------  --------------- 

                                                                                                     
Units beginning of year............            474              474           1,541            1,878 
Units issued and transferred                                                                         
   from other funding options......             --               --              --               -- 
Units redeemed and transferred to                                                                    
   other funding options...........             --               --            (48)            (337) 
                                    --------------  ---------------  --------------  --------------- 
Units end of year..................            474              474           1,493            1,541 
                                    ==============  ===============  ==============  =============== 


                                                        [Enlarge/Download Table]

                                            OPPENHEIMER VA                                           
                                        GLOBAL STRATEGIC INCOME         OPPENHEIMER VA MAIN STREET   
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  -------------------------------
                                          2013            2012             2013             2012     
                                    ---------------  ---------------  --------------  ---------------

                                                                                                     
Units beginning of year............             443              443          14,959           22,109
Units issued and transferred                                                                         
   from other funding options......              --               --              --               --
Units redeemed and transferred to                                                                    
   other funding options...........              --               --           (643)          (7,150)
                                    ---------------  ---------------  --------------  ---------------
Units end of year..................             443              443          14,316           14,959
                                    ===============  ===============  ==============  ===============


                                            OPPENHEIMER VA                                           
                                         MAIN STREET SMALL CAP             OPPENHEIMER VA MONEY      
                                              SUB-ACCOUNT                       SUB-ACCOUNT          
                                    -------------------------------  --------------------------------
                                         2013             2012             2013            2012      
                                    ---------------  --------------  ---------------  ---------------

                                                                                                     
Units beginning of year............       5,041,901       4,964,464           20,150           20,177
Units issued and transferred                                                                         
   from other funding options......         643,815         773,448               --               --
Units redeemed and transferred to                                                                    
   other funding options...........     (1,030,426)       (696,011)         (19,427)             (27)
                                    ---------------  --------------  ---------------  ---------------
Units end of year..................       4,655,290       5,041,901              723           20,150
                                    ===============  ==============  ===============  ===============



                                     PIONEER VCT DISCIPLINED VALUE    PIONEER VCT EMERGING MARKETS   
                                              SUB-ACCOUNT                      SUB-ACCOUNT           
                                    -------------------------------  ------------------------------- 
                                         2013             2012            2013             2012      
                                    --------------  ---------------  ---------------  -------------- 

                                                                                                     
Units beginning of year............        229,721          238,409           49,333          48,427 
Units issued and transferred                                                                         
   from other funding options......          2,035           15,082            8,618          17,770 
Units redeemed and transferred to                                                                    
   other funding options...........       (61,099)         (23,770)         (11,263)        (16,864) 
                                    --------------  ---------------  ---------------  -------------- 
Units end of year..................        170,657          229,721           46,688          49,333 
                                    ==============  ===============  ===============  ============== 

                                                        [Enlarge/Download Table]

                                                                                 PIONEER VCT          
                                       PIONEER VCT EQUITY INCOME         IBBOTSON GROWTH ALLOCATION   
                                              SUB-ACCOUNT                        SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                         2013             2012              2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............          24,722           17,862        1,199,751        1,225,572
Units issued and transferred                                                                          
   from other funding options......             147            7,715           24,774           43,759
Units redeemed and transferred to                                                                     
   other funding options...........         (2,177)            (855)        (109,548)         (69,580)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................          22,692           24,722        1,114,977        1,199,751
                                    ===============  ===============  ===============  ===============


                                          PIONEER VCT IBBOTSON                                        
                                           MODERATE ALLOCATION            PIONEER VCT MID CAP VALUE   
                                               SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............       1,789,015        1,795,010        1,769,793        1,688,831
Units issued and transferred                                                                          
   from other funding options......          15,433           57,414          220,661          381,410
Units redeemed and transferred to                                                                     
   other funding options...........       (144,208)         (63,409)        (270,601)        (300,448)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................       1,660,240        1,789,015        1,719,853        1,769,793
                                    ===============  ===============  ===============  ===============



                                     PIONEER VCT REAL ESTATE SHARES      T. ROWE PRICE GROWTH STOCK   
                                               SUB-ACCOUNT                       SUB-ACCOUNT          
                                    --------------------------------  --------------------------------
                                          2013             2012             2013             2012     
                                    ---------------  ---------------  ---------------  ---------------

                                                                                                      
Units beginning of year............          10,700           12,968           66,302           73,401
Units issued and transferred                                                                          
   from other funding options......           1,372            2,570            6,234            5,154
Units redeemed and transferred to                                                                     
   other funding options...........           (673)          (4,838)          (9,965)         (12,253)
                                    ---------------  ---------------  ---------------  ---------------
Units end of year..................          11,399           10,700           62,571           66,302
                                    ===============  ===============  ===============  ===============

                                                        [Enlarge/Download Table]

                                    T. ROWE PRICE INTERNATIONAL STOCK      T. ROWE PRICE PRIME RESERVE   
                                               SUB-ACCOUNT                         SUB-ACCOUNT           
                                    ----------------------------------  ---------------------------------
                                          2013              2012             2013              2012      
                                    ----------------  ---------------   ---------------  ----------------

                                                                                                         
Units beginning of year............           45,736           59,337            40,746            54,384
Units issued and transferred                                                                             
   from other funding options......            1,435            2,844            30,026            24,475
Units redeemed and transferred to                                                                        
   other funding options...........          (5,811)         (16,445)          (39,029)          (38,113)
                                    ----------------  ---------------   ---------------  ----------------
Units end of year..................           41,360           45,736            31,743            40,746
                                    ================  ===============   ===============  ================


                                          UIF U.S. REAL ESTATE                                           
                                               SUB-ACCOUNT                                               
                                    --------------------------------                                     
                                          2013            2012                                           
                                    ---------------  ---------------                                     

                                                                                                         
Units beginning of year............       2,343,331        2,367,197                                     
Units issued and transferred                                                                             
   from other funding options......         692,925          610,442                                     
Units redeemed and transferred to                                                                        
   other funding options...........       (505,065)        (634,308)                                     
                                    ---------------  ---------------                                     
Units end of year..................       2,531,191        2,343,331                                     
                                    ===============  ===============                                     


(a) For the period July 23, 2012 to December 31, 2012.                          
(b) For the period April 30, 2012 to December 31, 2012.                         
(c) For the period November 12, 2012 to December 31, 2012.                      
(d) For the period April 29, 2013 to December 31, 2013.                         

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS                                                        

The Company sells a number of variable annuity products which have unique       
combinations of features and fees, some of which directly affect the unit       
values of the Sub-Accounts. Differences in the fee structures result in a       
variety of unit values, expense ratios, and total returns.                      

The following table is a summary of unit values and units outstanding for the   
Contracts, net investment income ratios, and expense ratios, excluding expenses 
for the underlying portfolio, series, or fund, for the respective stated        
periods in the five years ended December 31, 2013:                              

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                   
                                     ---------------------------------------------     
                                                     UNIT VALUE                        
                                                      LOWEST TO           NET          
                                         UNITS       HIGHEST ($)      ASSETS ($)       
                                     ------------  ---------------  --------------     
                                                                                       
Alger Small Cap Growth         2013     4,387,118    14.41 - 14.70      63,772,199     
   Sub-Account                 2012     4,795,545    10.89 - 11.09      52,626,085     
                               2011     5,212,661      9.82 - 9.98      51,540,007     
                               2010     5,634,931    10.28 - 10.44      58,325,342     
                               2009     6,156,883      8.32 - 8.44      51,552,207     

American Funds Bond            2013     8,361,945    15.94 - 18.68     146,158,351     
   Sub-Account                 2012     7,687,811    16.60 - 19.27     139,213,016     
                               2011     6,703,194    16.06 - 18.46     116,697,267     
                               2010     5,183,483    15.43 - 17.57      86,203,052     
                               2009     3,608,245    14.77 - 16.66      57,212,613     

American Funds Global          2013     8,333,553    32.79 - 41.42     314,826,203     
   Growth Sub-Account          2012     8,485,913    25.98 - 32.35     251,295,328     
                               2011     8,205,329    21.69 - 26.44     200,460,185     
                               2010     7,470,107    24.36 - 29.30     202,441,649     
                               2009     6,579,263    22.30 - 26.47     161,438,857     

American Funds Global Small    2013     3,375,743    33.79 - 39.59     124,184,003     
   Capitalization Sub-Account  2012     3,385,796    26.85 - 31.14      98,386,346     
                               2011     3,080,674    23.15 - 26.58      76,801,888     
                               2010     2,578,008    29.19 - 33.17      80,582,925     
                               2009     2,262,060    24.30 - 27.34      58,608,602     

American Funds Growth          2013     3,937,244  168.83 - 257.41     856,560,204     
   Sub-Account                 2012     4,113,319  132.79 - 199.62     696,665,988     
                               2011     3,976,212  115.27 - 170.85     577,437,630     
                               2010     3,717,676  123.22 - 180.08     568,813,924     
                               2009     3,225,880  106.24 - 153.09     419,749,811     

American Funds                 2013     2,581,885  117.99 - 179.88     388,319,990     
   Growth-Income Sub-Account   2012     2,745,842   90.43 - 135.94     312,823,451     
                               2011     2,773,925   78.78 - 116.75     272,388,909     
                               2010     2,639,070   82.11 - 119.99     266,511,951     
                               2009     2,398,146   75.40 - 108.65     219,689,912     

DWS I International            2013     1,888,612      9.76 - 9.85      18,592,794     
   Sub-Account                 2012     2,040,232      8.24 - 8.30      16,933,216     
                               2011     2,245,605      6.92 - 6.97      15,659,285     
                               2010     2,471,385      8.43 - 8.48      20,962,763     
                               2009     2,700,348      8.41 - 8.46      22,845,161     


                                                FOR THE YEAR ENDED DECEMBER 31         
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
Alger Small Cap Growth         2013         --        1.25 - 1.40         32.40 - 32.59
   Sub-Account                 2012         --        1.25 - 1.40         10.93 - 11.09
                               2011         --        1.25 - 1.40       (4.52) - (4.38)
                               2010         --        1.25 - 1.40         23.54 - 23.73
                               2009         --        1.25 - 1.40         43.49 - 43.70

American Funds Bond            2013       1.84        0.95 - 1.90       (4.00) - (3.08)
   Sub-Account                 2012       2.64        0.95 - 1.90           3.38 - 4.37
                               2011       3.37        0.95 - 1.90           4.11 - 5.11
                               2010       3.44        0.95 - 1.90           4.44 - 5.44
                               2009       3.86        0.95 - 1.90         10.49 - 11.54

American Funds Global          2013       1.26        0.90 - 2.30         26.24 - 28.02
   Growth Sub-Account          2012       0.94        0.90 - 2.30          7.06 - 21.40
                               2011       1.37        0.95 - 2.30      (10.95) - (9.75)
                               2010       1.56        0.95 - 2.30          9.21 - 10.69
                               2009       1.51        0.95 - 2.30         39.07 - 40.96

American Funds Global Small    2013       0.87        0.89 - 1.90         25.87 - 27.14
   Capitalization Sub-Account  2012       1.35        0.89 - 1.90          2.91 - 17.13
                               2011       1.34        0.89 - 1.90     (20.66) - (19.86)
                               2010       1.75        0.89 - 1.90         20.11 - 21.33
                               2009       0.31        0.89 - 1.90         58.26 - 59.86

American Funds Growth          2013       0.93        0.89 - 2.30         27.15 - 28.95
   Sub-Account                 2012       0.81        0.89 - 2.30          1.85 - 16.84
                               2011       0.63        0.89 - 2.30       (6.45) - (5.12)
                               2010       0.77        0.89 - 2.30         15.98 - 17.63
                               2009       0.71        0.89 - 2.30         36.24 - 38.18

American Funds                 2013       1.35        0.89 - 2.30         30.47 - 32.32
   Growth-Income Sub-Account   2012       1.64        0.89 - 2.30         14.80 - 16.44
                               2011       1.60        0.89 - 2.30       (4.06) - (2.70)
                               2010       1.55        0.89 - 2.30          8.90 - 10.44
                               2009       1.74        0.89 - 2.30         28.26 - 30.08

DWS I International            2013       5.30        1.35 - 1.40         18.56 - 18.62
   Sub-Account                 2012       2.19        1.35 - 1.40         18.96 - 19.02
                               2011       1.83        1.35 - 1.40     (17.83) - (17.79)
                               2010       2.18        1.35 - 1.40           0.21 - 0.26
                               2009       4.39        1.35 - 1.40         31.67 - 31.73

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                AS OF DECEMBER 31                          FOR THE YEAR ENDED DECEMBER 31         
                                  ---------------------------------------------  -------------------------------------------------
                                                  UNIT VALUE                     INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                                   LOWEST TO           NET          INCOME          LOWEST TO         LOWEST TO   
                                      UNITS       HIGHEST ($)      ASSETS ($)      RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                  ------------  ---------------  --------------  -------------  ----------------  ----------------
                                                                                                                                  
Federated High Income Bond  2013         2,545            10.28          26,166       6.76               1.40                 5.50
   Sub-Account              2012         2,556             9.74          24,908       8.87               1.40                13.09
                            2011         3,549             8.62          30,572       8.62               1.40                 3.71
                            2010         3,566             8.31          29,620       7.89               1.40                13.13
                            2009         3,582             7.34          26,300       8.35               1.40                50.72

Federated Kaufman           2013         5,836             7.70          44,907         --               1.40                38.18
   Sub-Account              2012         6,002             5.57          33,424         --               1.40                15.65
   (Commenced 3/15/2010)    2011        12,138             4.82          58,454       1.12               1.40              (14.47)
                            2010        14,184             5.63          79,874         --               1.40                13.09

Fidelity VIP Asset Manager  2013     5,885,530    14.88 - 15.70      88,274,483       1.55        0.89 - 1.40        14.10 - 14.68
   Sub-Account              2012     6,517,939    13.04 - 13.69      85,640,352       1.49        0.89 - 1.40        10.91 - 11.48
                            2011     7,353,740    11.75 - 12.28      87,071,337       1.88        0.89 - 1.40      (3.91) - (3.42)
                            2010     8,263,984    12.22 - 12.71     101,784,889       1.66        0.89 - 1.40        12.67 - 13.26
                            2009     9,345,424    10.84 - 11.23     102,112,475       2.38        0.89 - 1.40        27.32 - 27.96

Fidelity VIP Contrafund     2013    17,717,451     5.67 - 64.36     611,972,926       1.04        0.89 - 2.25        10.23 - 30.12
   Sub-Account              2012    15,604,750    12.42 - 49.54     471,113,726       1.36        0.89 - 2.25        13.71 - 15.38
                            2011    15,588,853    10.76 - 43.00     388,526,965       1.01        0.89 - 2.25      (4.80) - (3.38)
                            2010    15,707,574    11.14 - 44.59     379,741,596       1.25        0.89 - 2.25        14.51 - 16.18
                            2009    15,955,996     9.59 - 38.44     313,576,644       1.44        0.89 - 2.25        32.65 - 34.50

Fidelity VIP Equity-Income  2013       341,560            17.43       5,954,600       2.41               1.40                26.37
   Sub-Account              2012       400,352            13.80       5,523,241       2.96               1.40                15.67
                            2011       460,289            11.93       5,489,918       2.37               1.40               (0.43)
                            2010       530,175            11.98       6,350,751       1.75               1.40                13.56
                            2009       619,856            10.55       6,538,981       2.24               1.40                28.40

Fidelity VIP FundsManager   2013   158,954,030    12.73 - 12.88   2,033,793,788       1.55        1.90 - 2.05        12.57 - 12.74
   50% Sub-Account          2012    39,080,828    11.31 - 11.42     443,823,085       2.69        1.90 - 2.05          1.76 - 4.11
   (Commenced 7/23/2012)                                                                                                          

Fidelity VIP FundsManager   2013   333,151,686    12.05 - 12.16   4,031,523,824       1.16        1.90 - 2.05        16.21 - 16.38
   60% Sub-Account          2012   345,636,001    10.37 - 10.45   3,596,633,088       1.53        1.90 - 2.05          9.33 - 9.49
   (Commenced 10/15/2009)   2011   272,464,191      9.48 - 9.54   2,591,601,265       2.00        1.90 - 2.05      (4.01) - (3.87)
                            2010   118,824,451      9.88 - 9.93   1,176,598,687       2.72        1.90 - 2.05        11.32 - 11.49
                            2009     4,074,373      8.87 - 8.90      36,215,324       3.35        1.90 - 2.05          0.07 - 0.09

Fidelity VIP Growth         2013     8,194,380    20.10 - 21.07     165,968,439       0.29        0.89 - 1.40        34.44 - 35.13
   Sub-Account              2012     9,085,626    14.95 - 15.59     136,799,312       0.59        0.89 - 1.40        13.09 - 13.67
                            2011     9,918,387    13.22 - 13.72     131,974,709       0.36        0.89 - 1.40      (1.19) - (0.68)
                            2010    10,951,340    13.38 - 13.81     147,385,504       0.28        0.89 - 1.40        22.44 - 23.08
                            2009    11,893,241    10.93 - 11.22     130,641,959       0.45        0.89 - 1.40        26.51 - 27.14

Fidelity VIP Index 500      2013     3,091,556    22.53 - 23.73      69,677,247       1.84        0.89 - 1.35        30.47 - 31.07
   Sub-Account              2012     3,530,426    17.27 - 18.10      60,984,620       2.03        0.89 - 1.35        14.35 - 14.88
                            2011     3,976,112    15.10 - 15.76      60,061,917       1.87        0.89 - 1.35          0.67 - 1.14
                            2010     4,565,389    14.90 - 15.58      68,501,202       1.87        0.89 - 1.40        13.42 - 14.00
                            2009     5,300,313    13.22 - 13.67      70,079,047       2.52        0.89 - 1.35        24.91 - 25.48

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                      AS OF DECEMBER 31                  
                                       ---------------------------------------------     
                                                        UNIT VALUE                       
                                                         LOWEST TO          NET          
                                           UNITS        HIGHEST ($)     ASSETS ($)       
                                       ------------  ---------------  --------------     
                                                                                         
Fidelity VIP Mid Cap             2013     7,792,671    52.90 - 61.01     446,581,942     
   Sub-Account                   2012     7,598,912    39.68 - 45.33     324,832,892     
                                 2011     6,289,465    35.30 - 39.95     237,701,501     
                                 2010     4,364,581    40.36 - 45.24     187,246,537     
                                 2009     3,075,278    31.99 - 35.52     103,784,411     

Fidelity VIP Money Market        2013     8,307,410     7.04 - 10.73      76,155,346     
   Sub-Account                   2012     8,041,430     7.14 - 10.94      73,659,399     
                                 2011     8,001,050     7.23 - 11.14      73,068,632     
                                 2010     7,492,405     7.33 - 11.34      67,343,833     
                                 2009     6,126,543     7.41 - 11.53      50,572,988     

Fidelity VIP Overseas            2013       447,143    12.41 - 14.19       5,925,521     
   Sub-Account                   2012       509,517     9.62 - 11.02       5,241,037     
                                 2011       540,072      8.06 - 9.24       4,664,192     
                                 2010       593,728     9.85 - 11.30       6,266,276     
                                 2009       663,667     8.81 - 10.11       6,282,775     

FTVIPT Franklin Income           2013     4,919,666    48.59 - 67.20     297,821,470     
   Securities Sub-Account        2012     4,708,870    43.62 - 59.54     253,164,341     
                                 2011     4,290,472    39.61 - 53.36     206,611,149     
                                 2010     3,722,732    39.56 - 52.61     176,548,647     
                                 2009     3,157,996    35.91 - 47.14     134,091,525     

FTVIPT Franklin Small Cap        2013     9,184,423    13.56 - 14.30     128,048,983     
   Value Securities Sub-Account  2012     8,321,925    10.13 - 10.60      86,296,073     
                                 2011     5,710,847      8.71 - 9.04      50,705,697     
                                 2010     3,178,430      9.21 - 9.48      29,718,643     
                                 2009     1,787,114      7.31 - 7.46      13,205,263     

FTVIPT Mutual Shares             2013     5,477,366    26.11 - 30.73     156,078,571     
   Securities Sub-Account        2012     5,768,385    20.75 - 24.19     129,780,562     
                                 2011     5,952,328    18.51 - 21.38     118,532,870     
                                 2010     5,431,435    19.07 - 21.81     110,507,146     
                                 2009     4,784,657    17.47 - 19.80      88,554,450     

FTVIPT Templeton Foreign         2013     2,457,017    16.25 - 38.21      87,721,293     
   Securities Sub-Account        2012     2,730,167    13.46 - 31.61      80,788,377     
                                 2011     2,720,421    11.59 - 27.19      69,009,193     
                                 2010     2,782,005    13.20 - 30.95      79,683,759     
                                 2009     2,655,441    12.40 - 29.04      70,515,555     

FTVIPT Templeton Global          2013    12,950,902    18.47 - 20.82     254,683,414     
   Bond Securities Sub-Account   2012    11,067,808    18.50 - 20.69     217,063,429     
                                 2011     8,104,261    16.36 - 18.15     139,986,041     
                                 2010     4,997,591    16.79 - 18.48      88,294,177     
                                 2009     2,853,081    14.93 - 16.31      44,636,060     

Invesco V.I. American            2013        22,147             7.39         163,713     
   Franchise Sub-Account         2012        28,015             5.35         149,862     
                                 2011        18,874             4.77          90,033     
                                 2010        25,363             5.16         130,764     
                                 2009        26,829             4.36         117,046     


                                                 FOR THE YEAR ENDED DECEMBER 31          
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
Fidelity VIP Mid Cap             2013       0.28        0.95 - 1.90         33.31 - 34.59
   Sub-Account                   2012       0.43        0.95 - 1.90         12.40 - 13.47
                                 2011       0.03        0.95 - 1.90     (12.53) - (11.70)
                                 2010       0.14        0.95 - 1.90         26.16 - 27.36
                                 2009       0.54        0.95 - 1.90         37.12 - 38.43

Fidelity VIP Money Market        2013       0.02        0.89 - 2.05       (2.01) - (0.86)
   Sub-Account                   2012       0.12        0.89 - 2.05       (1.93) - (0.76)
                                 2011       0.09        0.89 - 2.05       (1.94) - (0.77)
                                 2010       0.17        0.89 - 2.05       (1.82) - (0.65)
                                 2009       0.71        0.89 - 2.05       (0.68) - (0.17)

Fidelity VIP Overseas            2013       1.34        1.15 - 1.40         28.62 - 28.95
   Sub-Account                   2012       1.97        1.15 - 1.40         19.05 - 19.35
                                 2011       1.35        1.15 - 1.40     (18.32) - (18.12)
                                 2010       1.39        1.15 - 1.40         11.54 - 11.82
                                 2009       2.17        1.15 - 1.40         24.78 - 25.09

FTVIPT Franklin Income           2013       6.33        0.95 - 2.25         11.41 - 12.86
   Securities Sub-Account        2012       6.44        0.95 - 2.25         10.13 - 11.58
                                 2011       5.75        0.95 - 2.25           0.11 - 1.42
                                 2010       6.60        0.95 - 2.25         10.17 - 11.61
                                 2009       8.01        0.95 - 2.25         32.58 - 34.31

FTVIPT Franklin Small Cap        2013       1.31        0.95 - 1.75         33.88 - 34.95
   Value Securities Sub-Account  2012       0.78        0.95 - 1.75         16.32 - 17.26
                                 2011       0.66        0.95 - 1.75       (5.43) - (4.67)
                                 2010       0.73        0.95 - 1.75         26.00 - 27.01
                                 2009       1.66        0.95 - 1.75         26.91 - 27.94

FTVIPT Mutual Shares             2013       2.10        0.95 - 1.90         25.85 - 27.05
   Securities Sub-Account        2012       2.06        0.95 - 1.90         12.08 - 13.16
                                 2011       2.42        0.95 - 1.90       (2.90) - (1.98)
                                 2010       1.62        0.95 - 1.90          9.10 - 10.14
                                 2009       2.02        0.95 - 1.90         23.67 - 24.86

FTVIPT Templeton Foreign         2013       2.38        1.55 - 2.30         20.18 - 21.08
   Securities Sub-Account        2012       3.02        1.55 - 2.30         15.53 - 16.41
                                 2011       1.71        1.55 - 2.30     (12.66) - (12.00)
                                 2010       1.88        1.55 - 2.30           5.94 - 6.74
                                 2009       3.05        1.55 - 2.30         33.93 - 34.94

FTVIPT Templeton Global          2013       4.75        0.95 - 1.75         (0.13) - 0.67
   Bond Securities Sub-Account   2012       6.42        0.95 - 1.75         13.06 - 13.97
                                 2011       5.46        0.95 - 1.75       (2.58) - (1.81)
                                 2010       1.36        0.95 - 1.75         12.46 - 13.36
                                 2009      14.21        0.95 - 1.75         16.62 - 17.56

Invesco V.I. American            2013       0.42               1.40                 38.19
   Franchise Sub-Account         2012         --               1.40                 12.14
                                 2011         --               1.40                (7.49)
                                 2010         --               1.40                 18.18
                                 2009       0.11               1.40                 63.78

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                 
                                    ----------------------------------------------   
                                                     UNIT VALUE                      
                                                      LOWEST TO           NET        
                                        UNITS        HIGHEST ($)      ASSETS ($)     
                                    ------------  ----------------  --------------   
                                                                                     
Invesco V.I. American Value   2013     5,963,473     15.53 - 16.44      95,295,929   
   Sub-Account                2012     5,515,798     11.80 - 12.39      66,684,996   
                              2011     4,490,470     10.26 - 10.68      47,014,117   
                              2010     2,673,648     10.35 - 10.70      28,139,044   
                              2009     1,763,519       8.62 - 8.84      15,401,650   

Invesco V.I. Core Equity      2013        39,835              6.27         249,696   
   Sub-Account                2012        49,005              4.92         241,009   
                              2011        63,191              4.38         276,761   
                              2010        88,640              4.44         393,933   
                              2009        99,143              4.11         407,845   

Invesco V.I. Equity and       2013    31,328,255      6.09 - 21.69     649,322,698   
   Income Sub-Account         2012    29,563,858      4.93 - 17.54     496,945,594   
                              2011    27,370,136      4.44 - 15.75     414,357,262   
                              2010    22,199,448     14.98 - 16.11     345,124,808   
                              2009    17,747,381     13.63 - 14.52     249,400,082   

Invesco V.I. Global Real      2013     3,254,580       8.95 - 9.48      29,993,323   
   Estate Sub-Account         2012     2,556,360       8.90 - 9.34      23,302,577   
                              2011     1,863,096       7.08 - 7.38      13,467,264   
                              2010     1,148,943       7.73 - 7.98       9,028,134   
                              2009       704,385       6.71 - 6.88       4,786,308   

Invesco V.I. Growth and       2013    13,799,854      9.57 - 36.41     365,970,613   
   Income Sub-Account         2012    13,407,203      7.24 - 27.48     268,230,013   
                              2011    11,777,382      6.40 - 24.26     206,338,231   
                              2010     9,061,763      6.63 - 25.06     160,437,278   
                              2009     6,896,039      5.97 - 22.55     107,604,807   

Invesco V.I. International    2013     8,901,354      9.17 - 34.47     281,999,206   
   Growth Sub-Account         2012     8,127,475      7.81 - 29.32     219,783,700   
                              2011     6,481,068      6.86 - 25.68     154,099,050   
                              2010     4,327,573      7.46 - 27.87     111,888,065   
                              2009     2,818,925      6.70 - 24.98      65,315,391   

Janus Aspen Global Research   2013           721              9.35           6,748   
   Sub-Account                2012           769              7.35           5,653   
                              2011           769              6.17           4,750   
                              2010           901              7.22           6,506   
                              2009           999              6.29           6,285   

LMPVET ClearBridge Variable   2013    11,979,001     15.00 - 25.98     280,745,200   
   Aggressive Growth          2012    11,687,754     10.38 - 17.75     186,988,862   
   Sub-Account                2011    11,855,614      8.94 - 15.09     160,839,221   
                              2010    11,742,971      8.92 - 14.87     156,471,918   
                              2009    11,503,827      7.29 - 12.01     123,705,924   

LMPVET ClearBridge Variable   2013     2,922,291     37.21 - 48.58     129,253,563   
   All Cap Value Sub-Account  2012     3,081,671     28.81 - 37.11     104,446,756   
                              2011     3,213,146     25.64 - 32.59      95,718,136   
                              2010     3,100,875     27.97 - 35.07      99,528,233   
                              2009     2,989,079     24.54 - 30.36      83,258,408   


                                              FOR THE YEAR ENDED DECEMBER 31         
                                    -------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                       INCOME          LOWEST TO         LOWEST TO   
                                      RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                    -------------  ----------------  ----------------
                                                                                     
Invesco V.I. American Value   2013       0.57        0.95 - 1.75        31.61 - 32.67
   Sub-Account                2012       0.68        0.95 - 1.75        15.03 - 15.96
                              2011       0.72        0.95 - 1.75      (0.92) - (0.12)
                              2010       0.80        0.95 - 1.75        20.06 - 21.03
                              2009       1.18        0.95 - 1.75        36.75 - 37.84

Invesco V.I. Core Equity      2013       1.36               1.40                27.45
   Sub-Account                2012       0.91               1.40                12.29
                              2011       0.92               1.40               (1.44)
                              2010       0.95               1.40                 8.02
                              2009       1.76               1.40                26.51

Invesco V.I. Equity and       2013       1.54        0.95 - 1.90        22.54 - 23.71
   Income Sub-Account         2012       1.85        0.95 - 1.90        10.26 - 11.32
                              2011       1.69        0.95 - 1.90      (8.77) - (2.23)
                              2010       1.92        0.95 - 1.90         9.92 - 10.97
                              2009       2.82        0.95 - 1.90        20.19 - 21.33

Invesco V.I. Global Real      2013       3.98        0.95 - 1.75          0.66 - 1.47
   Estate Sub-Account         2012       0.48        0.95 - 1.75        25.62 - 26.63
                              2011       4.22        0.95 - 1.75      (8.34) - (7.62)
                              2010       5.55        0.95 - 1.75        15.19 - 16.13
                              2009         --        0.95 - 1.75        28.83 - 29.86

Invesco V.I. Growth and       2013       1.31        0.95 - 1.90        31.25 - 32.50
   Income Sub-Account         2012       1.36        0.95 - 1.90        12.18 - 13.26
                              2011       1.13        0.95 - 1.90      (4.10) - (3.18)
                              2010       0.09        0.95 - 1.90        10.09 - 11.13
                              2009       3.60        0.95 - 1.90        21.78 - 22.94

Invesco V.I. International    2013       1.10        0.95 - 1.75        16.66 - 17.60
   Growth Sub-Account         2012       1.38        0.95 - 1.75        13.25 - 14.16
                              2011       1.06        0.95 - 1.75      (8.60) - (7.87)
                              2010       2.01        0.95 - 1.75        10.66 - 11.55
                              2009       1.74        0.95 - 1.75        32.57 - 33.63

Janus Aspen Global Research   2013       1.21               0.89                27.29
   Sub-Account                2012       0.89               0.89                19.01
                              2011       0.58               0.89              (14.50)
                              2010       0.61               0.89                14.80
                              2009       1.43               0.89                36.49

LMPVET ClearBridge Variable   2013       0.28        0.95 - 2.30        44.42 - 46.38
   Aggressive Growth          2012       0.43        0.95 - 2.30        16.01 - 17.60
   Sub-Account                2011       0.20        0.95 - 2.30          0.15 - 1.50
                              2010       0.15        0.95 - 2.30        22.17 - 23.83
                              2009         --        0.95 - 2.30        31.51 - 33.30

LMPVET ClearBridge Variable   2013       1.40        0.95 - 2.30        29.16 - 30.92
   All Cap Value Sub-Account  2012       1.72        0.95 - 2.30        12.35 - 13.89
                              2011       1.41        0.95 - 2.30      (8.32) - (7.08)
                              2010       1.79        0.95 - 2.30        13.96 - 15.50
                              2009       1.44        0.95 - 2.30        26.41 - 28.14

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                  
                                      ---------------------------------------------    
                                                      UNIT VALUE                       
                                                       LOWEST TO           NET         
                                          UNITS       HIGHEST ($)      ASSETS ($)      
                                      ------------  ---------------  --------------    
                                                                                       
LMPVET ClearBridge Variable     2013     8,604,407    38.78 - 51.73     405,286,221    
   Appreciation Sub-Account     2012     7,908,912    30.52 - 40.17     290,191,379    
                                2011     7,021,537    26.94 - 34.98     224,680,370    
                                2010     5,515,253    26.87 - 34.42     173,626,503    
                                2009     4,134,838    24.41 - 30.85     116,657,409    

LMPVET ClearBridge Variable     2013    10,244,154    12.44 - 20.09     191,169,653    
   Equity Income Sub-Account    2012     9,055,914    10.11 - 16.14     134,931,130    
                                2011     8,013,455     9.06 - 14.28     103,322,855    
                                2010     6,778,039    10.29 - 13.39      81,006,913    
                                2009     6,144,958     9.34 - 12.06      64,946,351    

LMPVET ClearBridge Variable     2013       242,954    18.99 - 21.53       5,012,390    
   Large Cap Growth             2012       283,429    14.10 - 15.86       4,312,254    
   Sub-Account                  2011       363,040    11.99 - 13.38       4,673,796    
                                2010       459,350    12.35 - 13.67       6,065,533    
                                2009       557,417    11.50 - 12.63       6,818,703    

LMPVET ClearBridge Variable     2013       319,601    19.77 - 22.45       6,892,954    
   Large Cap Value Sub-Account  2012       286,427    15.28 - 17.21       4,743,489    
                                2011       265,335    13.42 - 15.00       3,836,359    
                                2010       194,899    13.09 - 14.51       2,729,796    
                                2009       196,692    12.23 - 13.45       2,559,454    

LMPVET ClearBridge Variable     2013     4,102,827    22.63 - 31.63     112,499,020    
   Small Cap Growth             2012     3,457,289    15.75 - 21.71      64,881,494    
   Sub-Account                  2011     2,686,955    13.50 - 18.35      42,564,777    
                                2010     2,149,625    13.62 - 18.28      33,662,804    
                                2009     1,757,714    11.13 - 14.74      21,966,842    

LMPVET Investment Counsel       2013         7,932    34.52 - 37.64         292,286    
   Variable Social Awareness    2012         9,185    29.64 - 32.19         289,329    
   Sub-Account                  2011        17,377    27.28 - 29.51         501,373    
                                2010        17,424    27.81 - 29.97         510,680    
                                2009        19,412    25.28 - 27.12         515,712    

LMPVET Variable Lifestyle       2013     2,011,433    20.00 - 23.49      44,101,401    
   Allocation 50% Sub-Account   2012     1,699,443    17.68 - 20.56      32,620,028    
                                2011     1,414,982    15.93 - 17.95      24,265,695    
                                2010       769,522    16.05 - 17.94      13,086,823    
                                2009       487,451    14.30 - 15.06       7,231,568    

LMPVET Variable Lifestyle       2013       121,395    18.11 - 19.37       2,304,999    
   Allocation 70% Sub-Account   2012       162,342    15.15 - 16.14       2,573,509    
                                2011       219,583    13.47 - 14.30       3,086,943    
                                2010       236,121    13.81 - 14.60       3,395,287    
                                2009       271,548    12.24 - 12.89       3,447,350    

LMPVET Variable Lifestyle       2013     4,790,185    18.14 - 21.30      95,074,284    
   Allocation 85% Sub-Account   2012     5,015,187    14.61 - 17.00      79,817,339    
                                2011     4,732,454    12.85 - 14.81      65,879,472    
                                2010     4,289,092    13.41 - 15.30      62,035,149    
                                2009     3,756,486    11.81 - 13.35      47,576,561    


                                                FOR THE YEAR ENDED DECEMBER 31         
                                      -------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                         INCOME          LOWEST TO         LOWEST TO   
                                        RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                      -------------  ----------------  ----------------
                                                                                       
LMPVET ClearBridge Variable     2013       1.29        0.95 - 2.30        27.05 - 28.77
   Appreciation Sub-Account     2012       1.75        0.95 - 2.30        13.30 - 14.85
                                2011       1.77        0.95 - 2.30          0.28 - 1.64
                                2010       1.83        0.95 - 2.30        10.07 - 11.56
                                2009       2.45        0.95 - 2.30        19.34 - 20.96

LMPVET ClearBridge Variable     2013       1.65        0.95 - 2.30        23.08 - 24.49
   Equity Income Sub-Account    2012       3.04        0.95 - 2.30        11.60 - 12.99
                                2011       3.39        0.95 - 2.30        (2.15) - 6.69
                                2010       4.09        0.95 - 1.90        10.01 - 11.06
                                2009       3.37        0.95 - 1.90        20.32 - 21.47

LMPVET ClearBridge Variable     2013       0.51        1.50 - 2.30        34.72 - 35.80
   Large Cap Growth             2012       0.66        1.50 - 2.30        17.60 - 18.55
   Sub-Account                  2011       0.42        1.50 - 2.30      (2.91) - (2.12)
                                2010       0.11        1.50 - 2.30          7.34 - 8.19
                                2009       0.27        1.50 - 2.30        39.14 - 40.27

LMPVET ClearBridge Variable     2013       1.77        1.50 - 2.30        29.36 - 30.40
   Large Cap Value Sub-Account  2012       2.37        1.50 - 2.30        13.84 - 14.76
                                2011       2.82        1.50 - 2.30          2.57 - 3.39
                                2010       3.02        1.50 - 2.30          6.98 - 7.83
                                2009       1.95        1.50 - 2.30        21.66 - 22.65

LMPVET ClearBridge Variable     2013       0.05        0.95 - 2.30        43.71 - 45.66
   Small Cap Growth             2012       0.42        0.95 - 2.30        16.70 - 18.29
   Sub-Account                  2011         --        0.95 - 2.30        (0.91) - 0.43
                                2010         --        0.95 - 2.30        22.34 - 24.00
                                2009         --        0.95 - 2.30        39.53 - 41.42

LMPVET Investment Counsel       2013       0.83        1.50 - 1.90        16.47 - 16.94
   Variable Social Awareness    2012       1.06        1.50 - 1.90          8.62 - 9.06
   Sub-Account                  2011       1.20        1.50 - 1.90      (1.89) - (1.51)
                                2010       1.24        1.50 - 1.90        10.04 - 10.48
                                2009       1.43        1.50 - 1.90        20.53 - 21.01

LMPVET Variable Lifestyle       2013       2.21        0.95 - 1.90        13.16 - 14.24
   Allocation 50% Sub-Account   2012       2.95        0.95 - 1.90        10.96 - 12.02
                                2011       3.19        1.10 - 1.90        (0.73) - 0.07
                                2010       4.10        1.10 - 1.90         6.21 - 12.65
                                2009       5.06        1.50 - 1.90        29.83 - 30.35

LMPVET Variable Lifestyle       2013       1.41        1.50 - 1.90        19.53 - 20.01
   Allocation 70% Sub-Account   2012       2.16        1.50 - 1.90        12.43 - 12.88
                                2011       1.88        1.50 - 1.90      (2.45) - (2.06)
                                2010       2.04        1.50 - 1.90        12.84 - 13.30
                                2009       3.60        1.50 - 1.90        30.41 - 30.93

LMPVET Variable Lifestyle       2013       1.66        0.95 - 1.90        24.12 - 25.30
   Allocation 85% Sub-Account   2012       1.84        0.95 - 1.90        13.70 - 14.79
                                2011       1.55        0.95 - 1.90      (4.15) - (3.23)
                                2010       1.73        0.95 - 1.90        13.52 - 14.60
                                2009       2.64        0.95 - 1.90        29.99 - 31.22

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                  
                                     ---------------------------------------------    
                                                     UNIT VALUE                       
                                                      LOWEST TO           NET         
                                         UNITS       HIGHEST ($)      ASSETS ($)      
                                     ------------  ---------------  --------------    
                                                                                      
LMPVIT Western Asset           2013     4,386,878    20.82 - 25.72     104,740,451    
   Variable Global High Yield  2012     4,039,328    20.05 - 24.44      91,771,912    
   Bond Sub-Account            2011     3,594,817    17.34 - 20.85      69,717,903    
                               2010     3,170,899    17.44 - 20.70      61,092,507    
                               2009     2,845,850    15.53 - 18.18      48,249,580    

MFS VIT Investors Trust        2013         3,517             7.38          25,951    
   Sub-Account                 2012         3,616             5.67          20,488    
                               2011         7,050             4.82          33,994    
                               2010         8,683             5.00          43,404    
                               2009        11,563             4.56          52,758    

MFS VIT New Discovery          2013         3,294            13.97          46,020    
   Sub-Account                 2012         4,161            10.01          41,661    
                               2011         4,939             8.38          41,374    
                               2010         4,951             9.47          46,865    
                               2009         6,461             7.04          45,491    

MFS VIT Research Sub-Account   2013         8,132             7.85          63,835    
                               2012         8,335             6.02          50,155    
                               2011         8,675             5.20          45,142    
                               2010        21,202             5.30         112,388    
                               2009        23,944             4.64         111,057    

MIST AllianceBernstein         2013   286,256,086    11.32 - 11.74   3,313,674,192    
   Global Dynamic Allocation   2012   267,334,005    10.40 - 10.66   2,823,843,417    
   Sub-Account                 2011   168,434,681      9.68 - 9.75   1,639,379,077    
   (Commenced 5/2/2011)                                                               

MIST American Funds            2013   276,830,535    11.83 - 12.78   3,430,387,038    
   Balanced Allocation         2012   292,605,761    10.22 - 10.89   3,106,060,329    
   Sub-Account                 2011   306,967,734      9.22 - 9.69   2,914,777,188    
                               2010   251,644,506     9.64 - 10.00   2,478,289,324    
                               2009   147,529,141      8.80 - 9.00   1,315,175,709    

MIST American Funds Growth     2013   147,794,512    11.83 - 12.67   1,828,322,375    
   Allocation Sub-Account      2012   149,020,463     9.68 - 10.24   1,496,665,592    
                               2011   159,224,115      8.53 - 8.92   1,398,390,722    
                               2010   155,386,301      9.17 - 9.47   1,454,861,016    
                               2009   139,002,030      8.27 - 8.44   1,164,848,803    

MIST American Funds Growth     2013    59,593,818     1.29 - 12.90     632,386,636    
   Sub-Account                 2012    54,812,434     9.59 - 10.07     545,665,799    
                               2011    64,256,598      8.36 - 8.69     553,292,806    
                               2010    52,406,611      8.97 - 9.23     480,253,525    
                               2009    30,278,080      7.76 - 7.90     238,097,827    

MIST American Funds            2013   147,773,215    11.61 - 12.53   1,796,366,977    
   Moderate Allocation         2012   159,499,085    10.47 - 11.15   1,734,325,945    
   Sub-Account                 2011   168,982,398     9.67 - 10.16   1,683,464,896    
                               2010   143,876,667     9.88 - 10.25   1,452,175,003    
                               2009    89,994,728      9.20 - 9.42     839,089,528    


                                               FOR THE YEAR ENDED DECEMBER 31         
                                     -------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                        INCOME          LOWEST TO         LOWEST TO   
                                       RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                     -------------  ----------------  ----------------
                                                                                      
LMPVIT Western Asset           2013       6.19        0.95 - 2.30          3.85 - 5.27
   Variable Global High Yield  2012       7.84        0.95 - 2.30        15.62 - 17.20
   Bond Sub-Account            2011       8.38        0.95 - 2.30        (0.59) - 0.75
                               2010       9.47        0.95 - 2.30        12.31 - 13.83
                               2009      11.34        0.95 - 2.30        52.02 - 54.08

MFS VIT Investors Trust        2013       1.10               1.40                30.22
   Sub-Account                 2012       0.67               1.40                17.52
                               2011       0.90               1.40               (3.54)
                               2010       1.30               1.40                 9.56
                               2009       1.77               1.40                25.15

MFS VIT New Discovery          2013         --               1.40                39.55
   Sub-Account                 2012         --               1.40                19.53
                               2011         --               1.40              (11.51)
                               2010         --               1.40                34.44
                               2009         --               1.40                60.90

MFS VIT Research Sub-Account   2013       0.33               1.40                30.45
                               2012       0.79               1.40                15.63
                               2011       0.72               1.40               (1.83)
                               2010       0.92               1.40                14.29
                               2009       1.44               1.40                28.73

MIST AllianceBernstein         2013       1.28        0.90 - 2.35         8.56 - 10.15
   Global Dynamic Allocation   2012       0.10        0.90 - 2.35          3.45 - 8.82
   Sub-Account                 2011       0.87        1.15 - 2.25      (3.18) - (2.47)
   (Commenced 5/2/2011)                                                               

MIST American Funds            2013       1.37        1.00 - 2.35        15.78 - 17.35
   Balanced Allocation         2012       1.69        1.00 - 2.35        10.88 - 12.39
   Sub-Account                 2011       1.26        1.00 - 2.35      (4.39) - (3.10)
                               2010       1.01        1.00 - 2.35         9.55 - 11.05
                               2009         --        1.00 - 2.35        20.40 - 27.85

MIST American Funds Growth     2013       1.00        1.15 - 2.35        22.20 - 23.68
   Allocation Sub-Account      2012       1.21        1.15 - 2.35        13.45 - 14.82
                               2011       1.10        1.15 - 2.35      (6.95) - (5.82)
                               2010       0.89        1.15 - 2.35        10.86 - 12.18
                               2009         --        1.15 - 2.35        30.93 - 32.51

MIST American Funds Growth     2013       0.44        0.95 - 2.35        11.27 - 28.11
   Sub-Account                 2012       0.33        1.30 - 2.35        14.67 - 15.89
                               2011       0.35        1.30 - 2.35      (6.81) - (5.83)
                               2010       0.20        1.30 - 2.35        15.57 - 16.79
                               2009         --        1.30 - 2.35        35.67 - 37.09

MIST American Funds            2013       1.65        1.00 - 2.35        10.88 - 12.39
   Moderate Allocation         2012       2.04        1.00 - 2.35          8.25 - 9.73
   Sub-Account                 2011       1.54        1.00 - 2.35      (2.14) - (0.81)
                               2010       1.41        1.00 - 2.35          7.36 - 8.82
                               2009         --        1.00 - 2.35        15.69 - 21.98

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                  
                                    ---------------------------------------------     
                                                     UNIT VALUE                       
                                                      LOWEST TO          NET          
                                        UNITS        HIGHEST ($)     ASSETS ($)       
                                    ------------  ---------------  --------------     
                                                                                      
MIST AQR Global Risk          2013   295,108,196     9.93 - 11.09   3,248,475,977     
   Balanced Sub-Account       2012   324,843,850    10.42 - 11.61   3,753,309,463     
   (Commenced 5/2/2011)       2011   179,038,392    10.54 - 10.62   1,898,124,083     

MIST BlackRock Global         2013   487,574,727    10.92 - 11.35   5,457,878,761     
   Tactical Strategies        2012   471,913,542    10.13 - 10.38   4,856,824,935     
   Sub-Account                2011   297,189,715      9.51 - 9.58   2,842,712,285     
   (Commenced 5/2/2011)                                                               

MIST BlackRock High Yield     2013    10,783,682    14.92 - 28.32     265,149,806     
   Sub-Account                2012    11,949,833    13.83 - 26.13     276,977,302     
                              2011    10,891,616    12.03 - 21.28     221,624,841     
                              2010     9,034,810    11.92 - 21.07     182,367,303     
                              2009     5,656,394    16.02 - 18.43     100,278,538     

MIST BlackRock Large Cap      2013     1,260,254    12.25 - 14.84      16,869,650     
   Core Sub-Account           2012     1,423,242     9.34 - 11.16      14,439,147     
                              2011     1,414,721      8.42 - 9.34      12,849,849     
                              2010     1,044,239      8.60 - 9.47       9,613,588     
                              2009       613,169      7.82 - 8.54       5,078,728     

MIST Clarion Global Real      2013    11,099,591    15.36 - 17.68     182,673,922     
   Estate Sub-Account         2012    10,967,900    15.19 - 17.23     177,317,957     
                              2011    11,304,866    12.34 - 13.38     147,447,056     
                              2010     9,934,760    13.39 - 14.36     139,330,754     
                              2009     7,999,282    11.80 - 12.53      98,120,895     

MIST ClearBridge Aggressive   2013       604,793  145.80 - 224.52     119,068,960     
   Growth II Sub-Account      2012       687,043  115.55 - 176.62     106,823,115     
                              2011       543,584   96.27 - 146.05      68,769,080     
                              2010       397,905  106.29 - 160.04      53,356,686     
                              2009       192,470   99.16 - 121.06      21,865,637     

MIST ClearBridge Aggressive   2013    36,299,683    10.84 - 13.77     451,710,565     
   Growth Sub-Account         2012    33,802,849      7.55 - 9.54     292,871,764     
                              2011    35,764,496      6.45 - 7.78     265,479,062     
                              2010    13,863,499      6.97 - 7.63     102,505,758     
                              2009    12,110,468      5.76 - 6.24      73,409,292     

MIST Goldman Sachs Mid Cap    2013     7,939,384    19.93 - 22.07     170,038,386     
   Value Sub-Account          2012     8,486,283    15.38 - 16.85     139,211,779     
                              2011     9,263,271    13.34 - 14.45     130,696,272     
                              2010     7,332,195    14.57 - 15.63     112,015,664     
                              2009     6,218,018    12.01 - 12.74      77,628,353     

MIST Harris Oakmark           2013    25,769,452    23.43 - 29.23     693,983,244     
   International Sub-Account  2012    25,722,293    18.33 - 22.61     538,939,254     
                              2011    28,033,038    14.49 - 17.04     461,860,538     
                              2010    23,589,953    17.23 - 20.14     459,739,197     
                              2009    18,176,767    15.11 - 17.52     309,481,262     

MIST Invesco Balanced-Risk    2013   800,860,953      1.04 - 1.06     843,160,697     
   Allocation Sub-Account     2012   631,214,101      1.04 - 1.05     661,422,417     
   (Commenced 4/30/2012)                                                              


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                       INCOME          LOWEST TO          LOWEST TO   
                                      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                    -------------  ----------------  -----------------
                                                                                      
MIST AQR Global Risk          2013       2.09        0.90 - 2.35       (5.64) - (4.26)
   Balanced Sub-Account       2012       0.44        0.90 - 2.35           3.72 - 9.29
   (Commenced 5/2/2011)       2011       3.00        1.15 - 2.25           1.94 - 2.70

MIST BlackRock Global         2013       1.36        0.90 - 2.35           7.75 - 9.32
   Tactical Strategies        2012         --        0.90 - 2.35           3.27 - 7.89
   Sub-Account                2011       1.37        1.15 - 2.25       (4.84) - (4.14)
   (Commenced 5/2/2011)                                                               

MIST BlackRock High Yield     2013       7.02        0.90 - 2.35           6.79 - 8.35
   Sub-Account                2012       7.05        0.90 - 2.35          7.68 - 15.15
                              2011       6.52        1.20 - 2.35         (0.03) - 1.12
                              2010       5.88        1.20 - 2.35          5.99 - 14.28
                              2009       3.54        1.30 - 2.35         43.24 - 44.75

MIST BlackRock Large Cap      2013       1.28        0.90 - 2.30         31.12 - 32.97
   Core Sub-Account           2012       1.07        0.90 - 2.30        (0.27) - 11.75
                              2011       0.92        1.55 - 2.30       (2.06) - (1.33)
                              2010       1.06        1.55 - 2.30         10.01 - 10.85
                              2009       1.34        1.55 - 2.30         16.49 - 17.35

MIST Clarion Global Real      2013       6.85        0.90 - 2.35           1.14 - 2.62
   Estate Sub-Account         2012       2.03        0.90 - 2.35          9.18 - 24.35
                              2011       3.80        1.30 - 2.35       (7.78) - (6.80)
                              2010       7.76        1.30 - 2.35         13.41 - 14.61
                              2009       3.11        1.30 - 2.35         31.61 - 33.00

MIST ClearBridge Aggressive   2013       0.63        1.30 - 2.35         25.80 - 27.13
   Growth II Sub-Account      2012       0.29        1.30 - 2.35         19.66 - 20.94
                              2011       1.69        1.30 - 2.35       (9.69) - (8.74)
                              2010       1.30        1.30 - 2.35           3.20 - 8.00
                              2009         --        1.55 - 2.30         39.96 - 41.01

MIST ClearBridge Aggressive   2013       0.22        0.90 - 2.35         42.22 - 44.30
   Growth Sub-Account         2012       0.02        0.90 - 2.35          3.28 - 17.38
                              2011         --        0.95 - 2.35         (9.34) - 1.91
                              2010         --        1.30 - 2.35         20.92 - 22.20
                              2009         --        1.30 - 2.35         29.87 - 31.23

MIST Goldman Sachs Mid Cap    2013       0.89        1.30 - 2.35         29.57 - 30.94
   Value Sub-Account          2012       0.59        1.30 - 2.35         15.36 - 16.58
                              2011       0.48        1.30 - 2.35       (8.46) - (7.50)
                              2010       0.92        1.30 - 2.35         21.35 - 22.63
                              2009       1.25        1.30 - 2.35         29.24 - 30.59

MIST Harris Oakmark           2013       2.44        0.95 - 2.35         27.46 - 29.26
   International Sub-Account  2012       1.63        0.95 - 2.35         15.61 - 27.58
                              2011         --        1.30 - 2.35     (16.24) - (15.36)
                              2010       1.82        1.30 - 2.35         13.71 - 14.92
                              2009       7.66        1.30 - 2.35         43.46 - 53.06

MIST Invesco Balanced-Risk    2013         --        0.90 - 2.35         (0.50) - 0.95
   Allocation Sub-Account     2012       0.55        0.90 - 2.35           3.03 - 4.04
   (Commenced 4/30/2012)                                                              

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                   
                                    --------------------------------------------      
                                                    UNIT VALUE                        
                                                     LOWEST TO          NET           
                                        UNITS       HIGHEST ($)     ASSETS ($)        
                                    ------------  ---------------  -------------      
                                                                                      
MIST Invesco Comstock         2013    26,889,264    14.36 - 22.42    443,561,923      
   Sub-Account                2012    26,662,653    10.86 - 16.72    329,458,802      
                              2011    25,137,797     9.39 - 14.24    266,463,408      
                              2010    21,172,822     9.76 - 14.59    230,561,318      
                              2009    16,791,760     8.70 - 12.82    161,042,507      

MIST Invesco Mid Cap Value    2013     4,619,902    30.27 - 38.39    158,040,375      
   Sub-Account                2012     5,175,603    23.78 - 29.73    138,149,492      
                              2011     5,366,862    21.23 - 24.69    127,004,689      
                              2010     4,351,943    22.57 - 25.97    108,323,379      
                              2009     3,034,782    18.41 - 20.96     60,902,685      

MIST Invesco Small Cap        2013    13,003,134    22.53 - 27.31    319,189,345      
   Growth Sub-Account         2012    13,528,657    16.44 - 19.61    240,468,780      
                              2011    13,942,780    14.22 - 16.69    212,672,795      
                              2010    11,943,258    14.70 - 16.99    186,610,558      
                              2009    11,180,366    11.92 - 13.55    140,473,926      

MIST JPMorgan Core Bond       2013    29,439,490    10.12 - 10.75    311,869,932      
   Sub-Account                2012    31,242,391    10.69 - 11.23    346,492,447      
                              2011    32,528,572    10.43 - 10.84    349,346,240      
                              2010    26,655,400    10.10 - 10.38    274,791,792      
                              2009    14,305,838      9.74 - 9.92    141,146,685      

MIST JPMorgan Global Active   2013   649,853,969      1.13 - 1.16    746,849,717      
   Allocation Sub-Account     2012   269,034,003      1.04 - 1.05    282,572,135      
   (Commenced 4/30/2012)                                                              

MIST JPMorgan Small Cap       2013     1,455,583    18.28 - 20.23     27,866,566      
   Value Sub-Account          2012     1,643,159    14.04 - 15.36     24,014,976      
                              2011     1,650,824    12.42 - 13.17     21,224,281      
                              2010     1,677,961    14.14 - 14.87     24,426,974      
                              2009     1,579,618    12.10 - 12.62     19,575,088      

MIST Loomis Sayles Global     2013    10,842,823    15.69 - 17.47    180,595,781      
   Markets Sub-Account        2012    12,318,466    13.71 - 14.91    177,780,410      
                              2011    13,161,956    12.01 - 12.74    165,018,207      
                              2010    10,620,691    12.48 - 13.10    137,171,845      
                              2009     7,198,911    10.47 - 10.88     77,383,467      

MIST Lord Abbett Bond         2013     9,341,018     9.99 - 32.33    259,294,487      
   Debenture Sub-Account      2012    10,178,078     9.36 - 30.15    266,010,291      
                              2011    10,848,076     8.39 - 26.88    255,107,548      
                              2010    11,708,304     8.12 - 25.87    267,920,695      
                              2009    11,953,991     7.27 - 23.06    245,913,998      

MIST Met/Eaton Vance          2013     7,519,969    10.76 - 11.18     83,115,837      
   Floating Rate Sub-Account  2012     5,007,151    10.61 - 10.91     54,197,004      
   (Commenced 5/3/2010)       2011     4,263,176    10.13 - 10.30     43,696,769      
                              2010     1,600,145    10.16 - 10.23     16,334,315      

MIST Met/Franklin Low         2013    14,050,793     9.78 - 10.16    140,307,146      
   Duration Total Return      2012     4,349,231     9.92 - 10.14     43,609,944      
   Sub-Account                2011     2,835,514      9.70 - 9.78     27,661,832      
   (Commenced 5/2/2011)                                                               


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3) 
                                       INCOME          LOWEST TO         LOWEST TO    
                                      RATIO (%)       HIGHEST (%)       HIGHEST (%)   
                                    -------------  ----------------  -----------------
                                                                                      
MIST Invesco Comstock         2013       1.07        0.90 - 2.35         32.25 - 34.18
   Sub-Account                2012       1.22        0.90 - 2.35          5.55 - 17.40
                              2011       1.09        0.95 - 2.35       (3.76) - (2.39)
                              2010       1.45        0.95 - 2.35         12.19 - 13.80
                              2009       1.11        0.95 - 2.35         23.63 - 30.57

MIST Invesco Mid Cap Value    2013       0.74        0.90 - 2.35         27.28 - 29.14
   Sub-Account                2012       0.40        0.90 - 2.35          2.26 - 13.21
                              2011       0.51        1.30 - 2.35       (5.93) - (4.94)
                              2010       0.55        1.30 - 2.35         22.62 - 23.91
                              2009       1.74        1.30 - 2.35         23.59 - 24.90

MIST Invesco Small Cap        2013       0.23        0.89 - 2.35         36.92 - 39.29
   Growth Sub-Account         2012         --        0.89 - 2.35         15.47 - 17.45
                              2011         --        0.89 - 2.35       (3.37) - (1.73)
                              2010         --        0.89 - 2.35         23.26 - 25.35
                              2009         --        0.89 - 2.35         30.70 - 33.03

MIST JPMorgan Core Bond       2013       0.28        1.30 - 2.35       (5.04) - (4.05)
   Sub-Account                2012       2.57        1.30 - 2.35           2.47 - 3.55
                              2011       2.09        1.30 - 2.35           3.34 - 4.42
                              2010       1.64        1.30 - 2.35           3.63 - 4.73
                              2009         --        1.30 - 2.35          9.52 - 10.67

MIST JPMorgan Global Active   2013       0.08        0.90 - 2.35           8.41 - 9.99
   Allocation Sub-Account     2012       0.73        0.90 - 2.35           3.02 - 4.03
   (Commenced 4/30/2012)                                                              

MIST JPMorgan Small Cap       2013       0.69        0.90 - 2.30         30.22 - 31.71
   Value Sub-Account          2012       0.84        0.90 - 2.30          2.73 - 13.98
                              2011       1.69        1.20 - 2.30     (12.17) - (11.43)
                              2010       0.82        1.20 - 2.30         16.82 - 17.83
                              2009       0.88        1.20 - 2.30         26.15 - 27.24

MIST Loomis Sayles Global     2013       2.41        0.95 - 2.35         14.41 - 16.02
   Markets Sub-Account        2012       2.32        1.10 - 2.35          2.75 - 15.41
                              2011       2.32        1.30 - 2.35       (3.77) - (2.75)
                              2010       2.99        1.30 - 2.35         19.18 - 20.43
                              2009       1.95        1.30 - 2.35         37.54 - 39.00

MIST Lord Abbett Bond         2013       6.62        0.89 - 2.35           5.47 - 7.21
   Debenture Sub-Account      2012       7.20        0.89 - 2.35          5.77 - 12.18
                              2011       5.92        0.89 - 2.35           2.04 - 3.90
                              2010       6.21        0.89 - 2.35         10.34 - 12.18
                              2009       7.17        0.89 - 2.35         33.60 - 35.91

MIST Met/Eaton Vance          2013       3.38        1.30 - 2.35           1.42 - 2.50
   Floating Rate Sub-Account  2012       3.39        1.30 - 2.35           4.83 - 5.94
   (Commenced 5/3/2010)       2011       1.99        1.30 - 2.30         (0.31) - 0.69
                              2010         --        1.30 - 2.30           1.64 - 2.31

MIST Met/Franklin Low         2013       1.07        0.90 - 2.35         (1.19) - 0.25
   Duration Total Return      2012       1.91        0.90 - 2.20           1.17 - 3.15
   Sub-Account                2011         --        1.20 - 2.35       (2.83) - (2.08)
   (Commenced 5/2/2011)                                                               

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                  
                                    ----------------------------------------------    
                                                      UNIT VALUE                      
                                                       LOWEST TO          NET         
                                         UNITS        HIGHEST ($)     ASSETS ($)      
                                     ------------  ---------------  --------------    
                                                                                      
MIST Met/Templeton            2013      3,905,329    13.00 - 13.53      52,286,139    
   International Bond         2012      4,238,395    13.19 - 13.56      57,001,253    
   Sub-Account                2011      4,276,073    11.74 - 12.02      51,093,268    
   (Commenced 5/4/2009)       2010      2,982,596    12.04 - 12.22      36,302,425    
                              2009        775,327    10.84 - 10.90       8,438,524    

MIST MetLife Aggressive       2013     42,451,280    14.53 - 16.59     659,971,504    
   Strategy Sub-Account       2012     44,655,767    11.48 - 12.93     545,044,070    
                              2011     49,390,389    10.07 - 10.98     524,691,864    
                              2010     45,689,702    10.94 - 11.78     522,967,837    
                              2009     41,343,573     9.62 - 10.23     412,402,731    

MIST MetLife Balanced Plus    2013    547,096,627    11.51 - 11.96   6,454,726,976    
   Sub-Account                2012    438,994,467    10.30 - 10.55   4,593,209,415    
   (Commenced 5/2/2011)       2011    257,076,022      9.33 - 9.40   2,411,774,661    

MIST MetLife Balanced         2013    519,201,421    14.02 - 16.02   7,812,083,177    
   Strategy Sub-Account       2012    550,560,779    12.02 - 13.53   7,045,806,333    
                              2011    592,824,603    10.80 - 11.77   6,764,659,086    
                              2010    546,381,907    11.25 - 12.12   6,437,293,439    
                              2009    458,932,798    10.14 - 10.79   4,832,135,577    

MIST MetLife Defensive        2013    140,580,521    13.08 - 14.94   1,972,799,136    
   Strategy Sub-Account       2012    178,585,503    12.28 - 13.82   2,332,865,728    
                              2011    186,262,512    11.33 - 12.48   2,228,739,665    
                              2010    167,912,074    11.40 - 12.39   2,003,850,499    
                              2009    134,240,318    10.52 - 11.28   1,466,386,791    

MIST MetLife Growth           2013    434,876,747    14.54 - 16.61   6,767,059,518    
   Strategy Sub-Account       2012    407,576,342    11.83 - 13.31   5,115,649,012    
                              2011    446,977,194    10.46 - 11.40   4,926,470,881    
                              2010    473,161,406    11.14 - 12.00   5,512,372,206    
                              2009    490,302,032     9.88 - 10.51   5,026,063,304    

MIST MetLife Moderate         2013    247,107,077    13.70 - 15.64   3,631,779,008    
   Strategy Sub-Account       2012    266,549,696    12.27 - 13.82   3,483,723,904    
                              2011    281,377,647    11.18 - 12.19   3,324,311,655    
                              2010    257,780,425    11.46 - 12.34   3,094,289,659    
                              2009    201,975,022    10.44 - 11.11   2,188,428,006    

MIST MetLife Multi-Index      2013    153,950,143     1.12 - 11.26     209,957,052    
   Targeted Risk Sub-Account  2012     11,094,386             1.01      11,247,979    
   (Commenced 11/12/2012)                                                             

MIST MFS Emerging Markets     2013     41,623,177    10.29 - 12.45     456,076,892    
   Equity Sub-Account         2012     38,352,212    11.09 - 13.41     448,693,258    
                              2011     37,004,554     9.55 - 11.54     369,675,163    
                              2010     29,287,659    12.03 - 14.53     365,169,255    
                              2009     18,534,256     9.96 - 12.02     189,762,080    

MIST MFS Research             2013     19,616,483    15.39 - 18.44     331,488,461    
   International Sub-Account  2012     21,667,563    13.21 - 15.60     311,615,422    
                              2011     22,841,018    11.58 - 13.42     285,814,827    
                              2010     22,399,698    13.27 - 15.17     318,521,626    
                              2009     21,694,779    12.19 - 13.75     281,155,296    


                                              FOR THE YEAR ENDED DECEMBER 31          
                                    --------------------------------------------------
                                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                       INCOME          LOWEST TO          LOWEST TO   
                                      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                    -------------  ----------------  -----------------
                                                                                      
MIST Met/Templeton            2013       2.02        1.30 - 2.15       (1.11) - (0.27)
   International Bond         2012      10.26        1.30 - 2.05         11.96 - 12.80
   Sub-Account                2011       6.86        1.30 - 2.20       (2.49) - (1.61)
   (Commenced 5/4/2009)       2010       0.51        1.30 - 2.20         11.07 - 12.08
                              2009         --        1.30 - 2.20           8.40 - 9.00

MIST MetLife Aggressive       2013       0.75        0.90 - 2.35         26.50 - 28.35
   Strategy Sub-Account       2012       0.64        0.90 - 2.35          2.91 - 15.40
                              2011       1.10        1.15 - 2.35       (7.96) - (6.85)
                              2010       1.18        1.15 - 2.35         13.80 - 15.17
                              2009         --        1.15 - 2.35         29.56 - 31.13

MIST MetLife Balanced Plus    2013       1.19        0.90 - 2.35         11.71 - 13.34
   Sub-Account                2012         --        0.90 - 2.35          4.67 - 11.81
   (Commenced 5/2/2011)       2011       0.27        1.15 - 2.25       (6.68) - (6.00)

MIST MetLife Balanced         2013       2.01        0.90 - 2.35         16.65 - 18.35
   Strategy Sub-Account       2012       2.15        0.90 - 2.35          3.72 - 12.62
                              2011       1.58        1.15 - 2.35       (3.98) - (2.82)
                              2010       2.05        1.15 - 2.35         10.96 - 12.28
                              2009         --        1.15 - 2.35         25.35 - 26.87

MIST MetLife Defensive        2013       3.03        0.90 - 2.35           6.55 - 8.10
   Strategy Sub-Account       2012       2.83        0.90 - 2.35           3.87 - 9.80
                              2011       2.22        1.00 - 2.35         (0.59) - 0.76
                              2010       3.05        1.00 - 2.35           8.32 - 9.80
                              2009       2.86        1.00 - 2.35         14.50 - 21.50

MIST MetLife Growth           2013       1.40        0.90 - 2.35         22.99 - 24.79
   Strategy Sub-Account       2012       1.66        0.90 - 2.35          3.45 - 14.39
                              2011       1.54        1.15 - 2.35       (6.10) - (4.98)
                              2010       1.71        1.15 - 2.35         12.81 - 14.17
                              2009         --        1.15 - 2.35         27.08 - 28.61

MIST MetLife Moderate         2013       2.38        0.90 - 2.35         11.57 - 13.20
   Strategy Sub-Account       2012       2.66        0.90 - 2.35          3.72 - 11.10
                              2011       1.83        1.15 - 2.35       (2.43) - (1.26)
                              2010       2.46        1.15 - 2.35          9.79 - 11.12
                              2009       3.18        1.15 - 2.35         23.16 - 24.65

MIST MetLife Multi-Index      2013       0.55        1.15 - 2.25          4.04 - 11.65
   Targeted Risk Sub-Account  2012         --        1.15 - 2.00           2.56 - 2.68
   (Commenced 11/12/2012)                                                             

MIST MFS Emerging Markets     2013       1.07        0.90 - 2.35       (7.19) - (5.83)
   Equity Sub-Account         2012       0.75        0.90 - 2.35          3.96 - 17.77
                              2011       1.39        0.95 - 2.35     (20.59) - (19.48)
                              2010       0.97        0.95 - 2.35         20.79 - 22.49
                              2009       1.45        0.95 - 2.35         65.01 - 67.34

MIST MFS Research             2013       2.58        0.90 - 2.35         16.49 - 18.19
   International Sub-Account  2012       1.89        0.90 - 2.35          6.35 - 15.60
                              2011       1.88        0.95 - 2.35     (12.79) - (11.56)
                              2010       1.70        0.95 - 2.35          8.83 - 10.35
                              2009       3.12        0.95 - 2.35         28.50 - 30.32

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                   AS OF DECEMBER 31                   
                                     ---------------------------------------------     
                                                     UNIT VALUE                        
                                                      LOWEST TO           NET          
                                         UNITS       HIGHEST ($)      ASSETS ($)       
                                     ------------  ---------------  --------------     
                                                                                       
MIST Morgan Stanley Mid Cap    2013    13,099,903     2.79 - 24.94     244,579,234     
   Growth Sub-Account          2012    12,225,316     2.03 - 18.06     166,100,095     
                               2011     8,735,505     1.88 - 16.63     109,412,403     
                               2010     6,606,286     2.04 - 17.98      89,015,672     
                               2009     5,166,934     9.84 - 11.09      54,290,087     

MIST Oppenheimer Global        2013     3,127,720    21.72 - 27.49      78,398,573     
   Equity Sub-Account          2012       500,711    18.48 - 21.83       9,983,469     
                               2011       559,531    15.55 - 17.64       9,330,001     
                               2010       608,969    17.31 - 19.88      11,272,119     
                               2009       672,213    15.23 - 17.32      10,903,654     

MIST PIMCO Inflation           2013    57,648,505    13.13 - 15.33     821,456,089     
   Protected Bond Sub-Account  2012    64,013,091    14.82 - 17.05   1,021,039,296     
                               2011    63,087,877    13.90 - 15.36     936,595,819     
                               2010    52,467,468    12.81 - 13.99     711,162,874     
                               2009    37,506,865    12.17 - 13.14     478,661,744     

MIST PIMCO Total Return        2013   118,419,838    12.03 - 19.16   1,993,786,948     
   Sub-Account                 2012   128,302,689    12.42 - 19.67   2,234,370,461     
                               2011   132,311,947    11.50 - 18.11   2,140,758,433     
                               2010   111,149,390    11.27 - 17.67   1,761,602,464     
                               2009    71,654,403    10.54 - 16.44   1,055,450,302     

MIST Pioneer Fund              2013    12,432,551     2.58 - 28.13     297,755,670     
   Sub-Account                 2012    11,331,680     9.91 - 21.33     220,043,655     
                               2011     9,480,402     9.11 - 19.29     168,467,083     
                               2010     5,977,317    16.24 - 20.40     112,914,666     
                               2009     3,239,380    14.30 - 17.72      53,308,711     

MIST Pioneer Strategic         2013    41,450,021     2.53 - 31.43     919,328,857     
   Income Sub-Account          2012    29,638,373    13.34 - 31.23     804,777,040     
                               2011    24,444,162    12.25 - 27.99     600,261,549     
                               2010    17,115,149    12.17 - 27.26     419,601,867     
                               2009    10,957,582    11.11 - 24.54     251,000,578     

MIST Pyramis Government        2013    69,488,361    10.04 - 10.44     715,739,557     
   Income Sub-Account          2012    88,599,553    10.77 - 11.03     968,887,238     
   (Commenced 5/2/2011)        2011    45,618,019    10.69 - 10.77     490,473,351     

MIST Pyramis Managed           2013     7,294,047    10.69 - 10.77      78,417,229     
   Risk Sub-Account                                                                    
   (Commenced 4/29/2013)                                                               

MIST Schroders Global          2013   375,261,358      1.14 - 1.17     435,205,689     
   Multi-Asset Sub-Account     2012   179,641,654      1.06 - 1.07     191,885,161     
   (Commenced 4/30/2012)                                                               

MIST SSgA Growth and Income    2013   110,435,377    13.34 - 15.03   1,578,178,677     
   ETF Sub-Account             2012   118,446,237    12.09 - 13.24   1,521,502,479     
                               2011   120,297,977    10.97 - 11.83   1,390,741,062     
                               2010    85,827,962    11.20 - 11.84     995,772,752     
                               2009    29,942,630    10.20 - 10.67     314,125,011     


                                                FOR THE YEAR ENDED DECEMBER 31         
                                     --------------------------------------------------
                                     INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                        INCOME          LOWEST TO          LOWEST TO   
                                       RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                     -------------  ----------------  -----------------
                                                                                       
MIST Morgan Stanley Mid Cap    2013       0.60        0.89 - 2.30         35.86 - 38.07
   Growth Sub-Account          2012         --        0.89 - 2.30         (4.93) - 8.58
                               2011       0.56        0.89 - 2.30       (9.04) - (7.49)
                               2010       0.01        0.89 - 2.30         17.15 - 30.84
                               2009         --        0.95 - 2.30         53.69 - 55.79

MIST Oppenheimer Global        2013       0.35        0.90 - 2.30         24.22 - 25.97
   Equity Sub-Account          2012       1.40        0.90 - 1.95          8.80 - 19.84
                               2011       1.79        0.95 - 1.95      (10.17) - (9.41)
                               2010       1.34        0.95 - 1.95         13.69 - 14.83
                               2009       2.29        0.95 - 1.95         37.10 - 38.48

MIST PIMCO Inflation           2013       2.20        0.90 - 2.35     (11.38) - (10.09)
   Protected Bond Sub-Account  2012       3.02        0.90 - 2.35           4.22 - 7.82
                               2011       1.62        1.20 - 2.35           8.56 - 9.82
                               2010       2.23        1.20 - 2.35           5.26 - 6.48
                               2009       3.18        1.20 - 2.35         15.31 - 16.64

MIST PIMCO Total Return        2013       4.27        0.89 - 2.35       (4.19) - (2.59)
   Sub-Account                 2012       3.13        0.89 - 2.35           4.10 - 8.58
                               2011       2.62        0.89 - 2.35         (0.31) - 2.51
                               2010       3.20        0.89 - 2.35           5.65 - 7.45
                               2009       6.39        0.89 - 2.35         15.29 - 17.35

MIST Pioneer Fund              2013       3.15        0.90 - 2.30          9.33 - 31.88
   Sub-Account                 2012       1.45        0.90 - 2.30           0.85 - 9.54
                               2011       1.11        0.95 - 2.30      (11.94) - (5.45)
                               2010       0.78        0.95 - 2.30         13.47 - 15.12
                               2009       1.52        0.95 - 2.30         21.07 - 27.31

MIST Pioneer Strategic         2013       4.82        0.90 - 2.35         (0.94) - 1.21
   Income Sub-Account          2012       4.73        0.90 - 2.35          6.09 - 10.56
                               2011       4.36        0.95 - 2.35           1.06 - 2.65
                               2010       4.58        0.95 - 2.20          5.21 - 11.12
                               2009       4.72        0.95 - 2.15         23.08 - 31.83

MIST Pyramis Government        2013       1.55        0.90 - 2.35       (6.74) - (5.37)
   Income Sub-Account          2012       0.02        0.90 - 2.35           0.74 - 1.96
   (Commenced 5/2/2011)        2011       0.89        1.15 - 2.25           6.96 - 7.75

MIST Pyramis Managed           2013       1.65        1.15 - 2.25           4.66 - 5.43
   Risk Sub-Account                                                                    
   (Commenced 4/29/2013)                                                               

MIST Schroders Global          2013       0.01        0.90 - 2.35           7.55 - 9.12
   Multi-Asset Sub-Account     2012       1.49        0.90 - 2.35           5.01 - 6.03
   (Commenced 4/30/2012)                                                               

MIST SSgA Growth and Income    2013       2.51        0.90 - 2.35         10.31 - 11.92
   ETF Sub-Account             2012       2.40        1.10 - 2.35          4.01 - 11.55
                               2011       1.70        1.15 - 2.35       (1.29) - (0.09)
                               2010       1.05        1.15 - 2.20          9.80 - 10.96
                               2009       0.78        1.15 - 2.20         22.17 - 23.97

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                  
                                   ----------------------------------------------    
                                                    UNIT VALUE                       
                                                     LOWEST TO           NET         
                                       UNITS        HIGHEST ($)      ASSETS ($)      
                                   ------------  ----------------  --------------    
                                                                                     
MIST SSgA Growth ETF         2013    35,919,224     13.27 - 14.96     509,607,858    
   Sub-Account               2012    36,733,044     11.51 - 12.55     448,167,959    
                             2011    37,984,453     10.24 - 11.04     409,132,829    
                             2010    29,136,066     10.71 - 11.41     325,453,346    
                             2009    16,443,398      9.67 - 10.11     163,291,494    

MIST T. Rowe Price Large     2013    11,320,980    38.18 - 128.69     657,944,319    
   Cap Value Sub-Account     2012    12,231,249     28.88 - 96.83     536,790,380    
                             2011    13,446,503     24.76 - 82.60     507,039,092    
                             2010    14,212,118     26.09 - 86.60     558,423,606    
                             2009    14,942,501     22.55 - 74.47     502,483,411    

MIST T. Rowe Price Mid Cap   2013    37,965,912     13.67 - 15.54     568,882,747    
   Growth Sub-Account        2012    41,941,697     10.24 - 11.53     467,536,275    
                             2011    44,089,511      9.22 - 10.28     439,146,325    
                             2010    40,356,445      9.67 - 10.58     414,850,131    
                             2009    31,597,201       7.75 - 8.40     258,174,943    

MIST Third Avenue Small Cap  2013    13,992,716     21.87 - 26.40     330,701,962    
   Value Sub-Account         2012    15,859,523     16.91 - 20.06     287,540,317    
                             2011    18,611,699     14.67 - 17.11     290,532,427    
                             2010    18,793,984     16.49 - 18.91     327,520,477    
                             2009    17,777,766     14.06 - 15.88     262,479,306    

MSF Baillie Gifford          2013    29,549,817      4.51 - 15.12     303,453,047    
   International Stock       2012       219,106      3.96 - 13.35       2,585,607    
   Sub-Account               2011       282,028      3.36 - 11.37       2,803,543    
                             2010       318,412      4.26 - 14.47       3,979,701    
                             2009       337,655      4.02 - 13.77       3,955,132    

MSF Barclays Aggregate       2013    13,536,937      1.71 - 18.22     162,571,849    
   Bond Index Sub-Account    2012    10,756,748      1.78 - 18.82     151,553,766    
                             2011     8,083,366      1.73 - 18.28     130,173,979    
                             2010     5,646,137     14.02 - 17.15      86,674,964    
                             2009     2,010,364     13.73 - 16.32      29,893,966    

MSF BlackRock Bond Income    2013     1,054,348     44.86 - 72.01      57,251,907    
   Sub-Account               2012     1,045,629     46.32 - 73.22      57,888,933    
                             2011       953,075     44.15 - 68.69      49,538,985    
                             2010       952,834     42.45 - 65.04      47,336,145    
                             2009       911,026     40.15 - 60.57      42,636,576    

MSF BlackRock Capital        2013       721,215     15.83 - 48.60      15,272,342    
   Appreciation Sub-Account  2012       745,728     12.04 - 36.54      11,831,610    
                             2011       814,200     10.75 - 32.23      11,348,650    
                             2010       601,185     12.06 - 35.71       9,563,155    
                             2009       612,808     10.28 - 30.07       8,419,085    

MSF BlackRock Large Cap      2013       225,190     16.80 - 17.73       3,792,926    
   Value Sub-Account         2012       230,438     12.89 - 13.54       2,977,532    
                             2011       252,494     11.44 - 11.96       2,890,664    
                             2010       253,453     11.33 - 11.79       2,872,585    
                             2009       264,703     10.51 - 10.89       2,783,413    


                                             FOR THE YEAR ENDED DECEMBER 31          
                                   --------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                      INCOME          LOWEST TO          LOWEST TO   
                                     RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                   -------------  ----------------  -----------------
                                                                                     
MIST SSgA Growth ETF         2013       2.10        0.90 - 2.35         15.33 - 17.01
   Sub-Account               2012       1.96        1.15 - 2.35          4.38 - 13.71
                             2011       1.56        1.15 - 2.35       (4.40) - (3.24)
                             2010       1.35        1.15 - 2.35         11.50 - 12.85
                             2009       0.93        1.15 - 2.20         26.29 - 28.66

MIST T. Rowe Price Large     2013       1.58        0.89 - 2.35         30.67 - 32.90
   Cap Value Sub-Account     2012       1.50        0.89 - 2.35          6.92 - 17.22
                             2011       0.70        0.89 - 2.35       (6.24) - (4.62)
                             2010       1.11        0.89 - 2.35         14.30 - 16.29
                             2009       2.30        0.89 - 2.35         15.64 - 17.62

MIST T. Rowe Price Mid Cap   2013       0.21        1.30 - 2.35         33.41 - 34.82
   Growth Sub-Account        2012         --        1.30 - 2.35         11.03 - 12.21
                             2011         --        1.30 - 2.35       (3.93) - (2.92)
                             2010         --        1.30 - 2.35         24.72 - 26.05
                             2009         --        1.30 - 2.35         42.11 - 43.59

MIST Third Avenue Small Cap  2013       0.99        0.89 - 2.35         29.37 - 31.64
   Value Sub-Account         2012         --        0.89 - 2.35         15.23 - 17.22
                             2011       1.10        0.89 - 2.35      (11.09) - (9.50)
                             2010       1.17        0.89 - 2.35         17.11 - 19.08
                             2009       1.15        0.89 - 2.35         23.51 - 25.70

MSF Baillie Gifford          2013       0.02        1.30 - 2.25          9.68 - 13.94
   International Stock       2012       1.14        1.40 - 1.90         17.11 - 17.85
   Sub-Account               2011       1.60        1.40 - 1.90     (21.63) - (20.99)
                             2010       1.41        1.40 - 1.90           4.85 - 5.74
                             2009       0.42        1.40 - 1.90         19.59 - 20.44

MSF Barclays Aggregate       2013       3.23        0.89 - 2.25       (4.74) - (3.19)
   Bond Index Sub-Account    2012       3.45        0.89 - 2.25           1.27 - 2.98
                             2011       3.22        0.89 - 2.25           4.77 - 6.56
                             2010       2.64        0.89 - 2.25           3.30 - 5.11
                             2009       3.64        0.89 - 2.15           2.27 - 4.24

MSF BlackRock Bond Income    2013       3.83        0.89 - 2.30       (3.17) - (1.65)
   Sub-Account               2012       2.54        0.89 - 2.30           3.74 - 6.59
                             2011       3.84        0.89 - 2.30           4.00 - 5.62
                             2010       3.77        0.89 - 2.30           5.72 - 7.38
                             2009       6.49        0.89 - 2.30           6.81 - 8.50

MSF BlackRock Capital        2013       0.79        0.89 - 2.30         31.17 - 33.03
   Appreciation Sub-Account  2012       0.32        0.89 - 2.30        (0.88) - 13.35
                             2011       0.17        0.89 - 2.30      (11.01) - (9.75)
                             2010       0.22        0.89 - 2.30         17.10 - 18.76
                             2009       0.15        0.89 - 2.30         28.77 - 35.57

MSF BlackRock Large Cap      2013       1.38        0.89 - 1.35         30.28 - 30.88
   Value Sub-Account         2012       1.61        0.89 - 1.35         12.74 - 13.27
                             2011       1.16        0.89 - 1.35           0.97 - 1.44
                             2010       1.09        0.89 - 1.35           7.75 - 8.26
                             2009       1.58        0.89 - 1.35          9.73 - 10.22

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                    AS OF DECEMBER 31                   
                                      --------------------------------------------      
                                                      UNIT VALUE                        
                                                       LOWEST TO          NET           
                                          UNITS       HIGHEST ($)     ASSETS ($)        
                                      ------------  ---------------  -------------      
                                                                                        
MSF BlackRock Money Market      2013    44,329,198     2.36 - 25.88    461,342,890      
   Sub-Account                  2012    53,484,009     9.33 - 25.53    569,109,901      
                                2011    59,067,302     9.55 - 25.84    633,625,012      
                                2010    51,015,018     9.77 - 26.15    553,885,805      
                                2009    54,211,009     9.99 - 26.46    576,532,284      

MSF Davis Venture Value         2013    36,209,587    16.00 - 52.55    658,561,438      
   Sub-Account                  2012    41,401,029    12.26 - 39.65    572,327,325      
                                2011    48,368,185    11.12 - 35.45    599,153,697      
                                2010    46,415,423    11.87 - 37.27    606,785,200      
                                2009    41,123,511    10.86 - 33.58    487,864,492      

MSF Frontier Mid Cap            2013     4,767,721    16.33 - 18.08     83,651,163      
   Growth Sub-Account                                                                   
   (Commenced 4/29/2013)                                                                

MSF Jennison Growth             2013    32,574,197     3.93 - 19.82    585,624,219      
   Sub-Account                  2012    35,125,323     2.91 - 14.55    468,764,846      
                                2011    20,877,221     2.55 - 12.29    248,172,110      
                                2010    20,230,170     2.57 - 12.42    243,817,657      
                                2009    17,375,446     2.33 - 11.31    190,651,501      

MSF Loomis Sayles Small Cap     2013       283,327    46.30 - 57.49     14,610,773      
   Core Sub-Account             2012       330,015    33.68 - 41.36     12,332,225      
                                2011       310,374    30.16 - 36.63     10,317,247      
                                2010       214,307    30.76 - 36.95      7,224,075      
                                2009        73,444    25.33 - 29.40      1,990,671      

MSF Loomis Sayles Small Cap     2013        12,506    17.15 - 18.50        226,802      
   Growth Sub-Account           2012         3,306    11.73 - 12.58         40,927      
   (Commenced 4/30/2012)                                                                

MSF Met/Artisan Mid Cap         2013    13,125,790    19.41 - 55.03    285,771,010      
   Value Sub-Account            2012    13,419,571    14.54 - 40.57    217,257,576      
                                2011    14,599,235    13.33 - 36.59    215,514,020      
                                2010    15,163,945    12.80 - 34.58    213,857,206      
                                2009    15,659,935    11.41 - 30.33    195,923,686      

MSF Met/Dimensional             2013     3,208,551    19.88 - 21.38     66,162,419      
   International Small Company  2012     3,203,412    15.91 - 16.90     52,618,293      
   Sub-Account                  2011     3,336,605    13.82 - 14.29     47,225,164      
                                2010     2,082,274    16.89 - 17.28     35,750,236      
                                2009     1,225,665    14.11 - 14.28     17,436,960      

MSF MetLife Conservative        2013       557,035    12.93 - 13.63      7,497,408      
   Allocation Sub-Account       2012       735,694    12.67 - 13.27      9,655,026      
                                2011       850,770    11.86 - 12.35     10,395,348      
                                2010       830,223    11.74 - 12.15      9,998,191      
                                2009       967,744    10.85 - 11.21     10,771,428      

MSF MetLife Conservative to     2013       550,896    13.60 - 14.27      7,732,376      
   Moderate Allocation          2012       588,986    12.52 - 13.07      7,576,787      
   Sub-Account                  2011       608,383    11.48 - 11.91      7,143,945      
                                2010       782,775    11.60 - 11.97      9,257,856      
                                2009       836,071    10.62 - 10.90      9,016,185      


                                                FOR THE YEAR ENDED DECEMBER 31          
                                      --------------------------------------------------
                                      INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3) 
                                         INCOME          LOWEST TO         LOWEST TO    
                                        RATIO (%)       HIGHEST (%)       HIGHEST (%)   
                                      -------------  ----------------  -----------------
                                                                                        
MSF BlackRock Money Market      2013         --        0.90 - 2.35       (2.32) - (0.37)
   Sub-Account                  2012         --        0.95 - 2.35       (2.34) - (0.74)
                                2011         --        0.95 - 2.35       (2.32) - (0.94)
                                2010         --        0.95 - 2.35       (2.32) - (0.64)
                                2009       0.25        1.00 - 2.35       (2.07) - (0.48)

MSF Davis Venture Value         2013       1.27        0.89 - 2.35         30.43 - 32.52
   Sub-Account                  2012       0.72        0.89 - 2.35          1.16 - 11.86
                                2011       1.01        0.89 - 2.35      (11.86) - (4.88)
                                2010       0.87        0.89 - 2.35          9.22 - 11.01
                                2009       1.37        0.89 - 2.35         28.77 - 30.82

MSF Frontier Mid Cap            2013         --        1.30 - 2.35         19.21 - 20.07
   Growth Sub-Account                                                                   
   (Commenced 4/29/2013)                                                                

MSF Jennison Growth             2013       0.20        0.90 - 2.35         33.56 - 35.51
   Sub-Account                  2012       0.01        0.95 - 2.35        (4.12) - 14.17
                                2011       0.06        1.30 - 2.35       (2.11) - (0.86)
                                2010       0.38        1.30 - 2.35          8.74 - 10.07
                                2009         --        1.30 - 2.35         36.32 - 38.02

MSF Loomis Sayles Small Cap     2013       0.23        1.20 - 2.30         37.49 - 39.01
   Core Sub-Account             2012         --        1.20 - 2.30         11.66 - 12.90
                                2011         --        1.20 - 2.30       (1.94) - (0.86)
                                2010         --        1.20 - 2.30         24.32 - 25.69
                                2009         --        1.20 - 2.15         27.16 - 28.38

MSF Loomis Sayles Small Cap     2013         --        0.90 - 1.50         46.17 - 47.05
   Growth Sub-Account           2012         --        0.90 - 1.50       (1.28) - (0.88)
   (Commenced 4/30/2012)                                                                

MSF Met/Artisan Mid Cap         2013       0.77        0.89 - 2.35         33.34 - 35.64
   Value Sub-Account            2012       0.80        0.89 - 2.35          8.98 - 10.87
                                2011       0.79        0.89 - 2.35           4.02 - 5.81
                                2010       0.59        0.89 - 2.35         12.09 - 14.02
                                2009       0.84        0.89 - 2.35         37.92 - 40.31

MSF Met/Dimensional             2013       1.72        0.90 - 2.30         24.70 - 26.46
   International Small Company  2012       2.19        0.90 - 2.35          3.91 - 16.37
   Sub-Account                  2011       1.94        1.30 - 2.35     (18.19) - (17.33)
                                2010       1.30        1.30 - 2.35         19.74 - 21.01
                                2009         --        1.30 - 2.35         39.40 - 40.87

MSF MetLife Conservative        2013       3.04        1.55 - 2.15           2.07 - 2.68
   Allocation Sub-Account       2012       3.27        1.55 - 2.15           6.85 - 7.49
                                2011       2.37        1.55 - 2.15           1.06 - 1.66
                                2010       4.06        1.55 - 2.15           7.71 - 8.36
                                2009       3.20        1.55 - 2.25         17.85 - 18.68

MSF MetLife Conservative to     2013       2.53        1.55 - 2.10           8.62 - 9.22
   Moderate Allocation          2012       2.95        1.55 - 2.10           9.13 - 9.74
   Sub-Account                  2011       2.14        1.55 - 2.10       (1.04) - (0.50)
                                2010       3.38        1.55 - 2.10           9.21 - 9.81
                                2009       3.07        1.55 - 2.10         21.11 - 21.78

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                               AS OF DECEMBER 31                          FOR THE YEAR ENDED DECEMBER 31          
                                 ---------------------------------------------  --------------------------------------------------
                                                  UNIT VALUE                    INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                                   LOWEST TO          NET          INCOME          LOWEST TO          LOWEST TO   
                                     UNITS        HIGHEST ($)     ASSETS ($)      RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                 ------------  ---------------  --------------  -------------  ----------------  -----------------
                                                                                                                                  
MSF MetLife Mid Cap Stock  2013     5,501,359     2.64 - 28.20     125,884,078       1.00        0.89 - 2.35         29.67 - 31.97
   Index Sub-Account       2012     4,914,049     2.01 - 21.37      88,989,701       0.82        0.89 - 2.35         14.53 - 16.55
                           2011     4,708,991     1.73 - 18.33      77,805,929       0.70        0.89 - 2.35       (4.50) - (2.76)
                           2010     3,443,301    15.77 - 18.85      59,472,935       0.76        0.89 - 2.20         23.19 - 25.17
                           2009     1,692,693    12.86 - 15.06      23,983,061       1.55        0.89 - 2.15         28.41 - 35.78

MSF MetLife Moderate       2013     3,073,122    13.90 - 14.77      44,655,421       2.00        1.55 - 2.25         15.36 - 16.17
   Allocation Sub-Account  2012     3,326,548    12.05 - 12.71      41,689,448       2.39        1.55 - 2.25         10.71 - 11.49
                           2011     3,930,913    10.88 - 11.40      44,282,730       1.52        1.55 - 2.25       (3.55) - (2.89)
                           2010     4,192,524    11.28 - 11.74      48,715,861       2.53        1.55 - 2.25         10.65 - 11.44
                           2009     4,293,013    10.20 - 10.54      44,856,785       2.96        1.55 - 2.25         23.72 - 24.58

MSF MetLife Moderate to    2013     3,927,901    14.05 - 14.80      57,260,787       1.46        1.55 - 2.15         21.67 - 22.40
   Aggressive Allocation   2012     4,335,356    11.55 - 12.09      51,720,857       1.91        1.55 - 2.15         12.92 - 13.60
   Sub-Account             2011     4,632,179    10.23 - 10.65      48,721,974       1.43        1.55 - 2.15       (5.81) - (5.25)
                           2010     5,194,016    10.86 - 11.24      57,766,976       2.14        1.55 - 2.15         12.25 - 12.94
                           2009     5,328,120      9.67 - 9.95      52,562,753       2.53        1.55 - 2.15         26.35 - 27.11

MSF MetLife Stock Index    2013    28,624,388     6.28 - 69.33     561,274,487       1.68        0.89 - 2.90         28.14 - 30.85
   Sub-Account             2012    29,109,224     4.82 - 52.98     446,759,028       1.55        0.89 - 2.90         12.30 - 14.73
                           2011    25,347,914     4.22 - 46.18     355,993,780       1.55        0.89 - 2.90         (1.15) - 0.94
                           2010    23,801,960    11.03 - 45.76     343,187,076       1.63        0.89 - 2.90         11.41 - 13.81
                           2009    21,150,594     9.85 - 40.20     281,243,641       2.10        0.89 - 2.90         23.01 - 26.75

MSF MFS Total Return       2013       814,124    46.24 - 71.07      46,044,412       2.31        0.89 - 2.30         16.06 - 17.94
   Sub-Account             2012       730,405    41.41 - 60.26      35,344,618       2.78        0.89 - 2.15          2.75 - 10.59
                           2011       826,212    38.00 - 54.49      36,390,818       2.68        0.89 - 2.15           0.04 - 1.51
                           2010       929,202    37.99 - 53.68      40,676,709       2.91        0.89 - 2.15           7.53 - 9.10
                           2009     1,006,138    35.33 - 49.20      40,772,224       4.14        0.89 - 2.15         15.84 - 17.55

MSF MFS Value Sub-Account  2013    12,139,878    12.05 - 23.85     260,473,964       0.55        0.89 - 2.35         17.10 - 34.53
                           2012     3,025,966    14.12 - 17.78      48,275,261       1.94        0.89 - 2.30          3.00 - 15.61
                           2011     3,145,406    12.27 - 14.81      43,754,913       1.57        0.89 - 2.30       (1.43) - (0.04)
                           2010     3,234,649    12.33 - 14.90      45,430,281       1.32        0.89 - 2.30          8.89 - 10.44
                           2009     2,664,361    11.22 - 13.56      33,984,060         --        0.89 - 2.30         18.08 - 19.75

MSF MSCI EAFE Index        2013     8,809,646     1.61 - 17.40     112,197,169       2.89        0.89 - 2.25         18.74 - 20.78
   Sub-Account             2012     7,172,234     1.34 - 14.41      81,404,548       2.89        0.89 - 2.15         15.42 - 17.27
                           2011     6,390,970     1.15 - 12.29      69,159,210       2.23        0.89 - 2.15     (14.50) - (13.28)
                           2010     4,636,491    11.54 - 14.17      58,834,689       2.24        0.89 - 2.15           5.47 - 7.24
                           2009     2,230,107    10.94 - 13.21      27,098,496       3.30        0.89 - 2.15         26.95 - 35.25

MSF Neuberger Berman       2013     8,020,175    18.58 - 27.70     172,247,460       0.10        0.89 - 2.35         24.94 - 37.30
   Genesis Sub-Account     2012       626,194    16.44 - 20.18      11,798,908       0.34        0.89 - 2.30           7.25 - 9.05
                           2011       647,811    15.96 - 18.50      11,266,993       0.73        0.89 - 1.95         (7.38) - 4.87
                           2010       578,563    16.81 - 17.64       9,730,049       0.51        0.89 - 1.35         19.95 - 20.50
                           2009       605,787    14.02 - 14.64       8,493,213       1.10        0.89 - 1.35         11.63 - 12.15

MSF Russell 2000 Index     2013     5,835,501     2.74 - 29.98     141,070,458       1.29        0.89 - 2.35         34.91 - 37.33
   Sub-Account             2012     5,078,788     2.01 - 21.83      91,750,975       0.88        0.89 - 2.35         13.24 - 15.31
                           2011     3,926,223     1.75 - 18.93      64,081,468       0.84        0.89 - 2.35       (6.46) - (4.95)
                           2010     2,703,578     7.11 - 19.92      46,792,763       0.77        0.89 - 2.35         23.61 - 25.79
                           2009     1,108,328     5.68 - 15.83      15,337,009       1.65        0.89 - 2.20         24.25 - 26.62

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                     AS OF DECEMBER 31                   
                                       ---------------------------------------------     
                                                        UNIT VALUE                       
                                                         LOWEST TO          NET          
                                           UNITS        HIGHEST ($)     ASSETS ($)       
                                       ------------  ---------------  --------------     
                                                                                         
MSF T. Rowe Price Large          2013    14,688,080     8.03 - 53.41     151,930,071     
   Growth Sub-Account            2012        39,346    35.99 - 39.07       1,501,612     
                                 2011        44,809    30.91 - 33.42       1,465,621     
                                 2010        40,496    31.93 - 34.38       1,365,647     
                                 2009        39,614    27.87 - 29.90       1,161,818     

MSF T. Rowe Price Small Cap      2013       356,919    25.98 - 35.74      10,522,813     
   Growth Sub-Account            2012       380,162    18.41 - 24.95       7,808,995     
                                 2011       417,381    16.23 - 21.67       7,500,142     
                                 2010       465,332    16.01 - 21.48       8,285,648     
                                 2009       481,022    12.16 - 16.06       6,406,764     

MSF Van Eck Global Natural       2013     6,278,667    16.43 - 17.17     106,449,499     
   Resources Sub-Account         2012     7,200,491    15.15 - 15.70     111,896,983     
   (Commenced 5/4/2009)          2011     6,910,683    15.07 - 15.51     106,332,935     
                                 2010     3,967,225    18.49 - 18.86      74,371,723     
                                 2009     1,195,095    14.65 - 14.80      17,635,926     

MSF Western Asset                2013    16,417,493    14.93 - 19.52     291,870,388     
   Management U.S. Government    2012    17,244,875    15.42 - 19.89     313,310,285     
   Sub-Account                   2011    16,038,241    15.32 - 19.49     285,529,978     
                                 2010    12,558,586    14.90 - 18.69     214,907,918     
                                 2009     8,573,371    14.46 - 17.89     140,925,866     

Neuberger Berman Genesis         2013           474            23.21          10,991     
   Sub-Account                   2012           474            17.11           8,101     
                                 2011           474            15.72           7,443     
                                 2010           571            15.16           8,663     
                                 2009           697            12.60           8,785     

Oppenheimer VA Core Bond         2013         1,493             5.79           8,646     
   Sub-Account                   2012         1,541             5.88           9,058     
                                 2011         1,878             5.41          10,150     
                                 2010         1,952             5.06           9,885     
                                 2009        12,533             4.61          57,756     

Oppenheimer VA Global            2013           443            10.15           4,492     
   Strategic Income Sub-Account  2012           443            10.30           4,562     
                                 2011           443             9.20           4,075     
                                 2010           443             9.25           4,097     
                                 2009         1,786             8.16          14,575     

Oppenheimer VA Main Street       2013        14,316             7.27         104,039     
   Sub-Account                   2012        14,959             5.59          83,663     
                                 2011        22,109             4.85         107,300     
                                 2010        24,227             4.92         119,249     
                                 2009        28,105             4.30         120,826     

Oppenheimer VA Main Street       2013     4,655,290    16.15 - 27.82     123,045,407     
   Small Cap Sub-Account         2012     5,041,901    11.62 - 19.97      96,092,155     
                                 2011     4,964,464     9.98 - 17.13      81,494,321     
                                 2010     4,127,208    10.35 - 17.72      70,331,777     
                                 2009     3,126,840     8.51 - 14.54      43,881,910     


                                                 FOR THE YEAR ENDED DECEMBER 31          
                                       --------------------------------------------------
                                       INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                          INCOME          LOWEST TO          LOWEST TO   
                                         RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                       -------------  ----------------  -----------------
                                                                                         
MSF T. Rowe Price Large          2013         --        0.89 - 2.35         26.10 - 37.93
   Growth Sub-Account            2012         --        1.50 - 1.90         16.43 - 16.90
                                 2011         --        1.50 - 1.90       (3.19) - (2.80)
                                 2010       0.07        1.50 - 1.90         14.55 - 15.01
                                 2009       0.32        1.50 - 1.90         40.35 - 40.91

MSF T. Rowe Price Small Cap      2013       0.22        0.89 - 2.15         41.11 - 43.27
   Growth Sub-Account            2012         --        0.89 - 2.15         13.43 - 15.14
                                 2011         --        0.89 - 2.15         (0.70) - 0.87
                                 2010         --        0.89 - 2.30         31.60 - 33.71
                                 2009       0.12        0.89 - 2.30         35.49 - 37.73

MSF Van Eck Global Natural       2013       0.66        1.30 - 2.15           8.40 - 9.32
   Resources Sub-Account         2012         --        1.30 - 2.15           0.38 - 1.25
   (Commenced 5/4/2009)          2011       1.10        1.30 - 2.20     (18.49) - (17.75)
                                 2010       0.25        1.30 - 2.20         26.22 - 27.36
                                 2009         --        1.30 - 2.20         35.00 - 35.82

MSF Western Asset                2013       1.95        0.95 - 2.35       (3.21) - (1.84)
   Management U.S. Government    2012       1.85        0.95 - 2.35           0.64 - 2.07
   Sub-Account                   2011       1.20        0.95 - 2.35           2.83 - 4.28
                                 2010       2.24        0.95 - 2.35           3.04 - 4.50
                                 2009       4.06        0.95 - 2.35           1.67 - 3.10

Neuberger Berman Genesis         2013       0.32               0.89                 35.68
   Sub-Account                   2012       0.21               0.89                  8.84
                                 2011       0.84               0.89                  3.67
                                 2010         --               0.89                 20.30
                                 2009         --               0.89                 25.13

Oppenheimer VA Core Bond         2013       5.14               1.40                (1.49)
   Sub-Account                   2012       4.67               1.40                  8.75
                                 2011       5.76               1.40                  6.77
                                 2010       4.81               1.40                  9.87
                                 2009         --               1.40                  8.09

Oppenheimer VA Global            2013       4.99               1.40                (1.52)
   Strategic Income Sub-Account  2012       5.95               1.40                 11.95
                                 2011       3.19               1.40                (0.55)
                                 2010      16.19               1.40                 13.38
                                 2009       0.53               1.40                 17.17

Oppenheimer VA Main Street       2013       1.10               1.40                 29.94
   Sub-Account                   2012       0.86               1.40                 15.24
                                 2011       1.27               1.40                (1.40)
                                 2010       1.11               1.40                 14.49
                                 2009       1.94               1.40                 26.52

Oppenheimer VA Main Street       2013       0.70        0.95 - 1.75         38.19 - 39.29
   Small Cap Sub-Account         2012       0.33        0.95 - 1.75         15.62 - 16.55
                                 2011       0.36        0.95 - 1.75       (4.07) - (3.30)
                                 2010       0.37        0.95 - 1.75         20.92 - 21.90
                                 2009       0.52        0.95 - 1.75         34.52 - 35.58

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)              

8.  FINANCIAL HIGHLIGHTS -- (CONTINUED)                                         

                                                        [Enlarge/Download Table]

                                                  AS OF DECEMBER 31                  
                                   ---------------------------------------------     
                                                    UNIT VALUE                       
                                                     LOWEST TO          NET          
                                       UNITS        HIGHEST ($)     ASSETS ($)       
                                   ------------  ---------------  --------------     
                                                                                     
Oppenheimer VA Money         2013           723             5.53           4,000     
   Sub-Account               2012        20,150             5.61         112,965     
                             2011        20,177             5.69         114,709     
                             2010        20,177             5.76         116,310     
                             2009        20,177             5.84         117,917     

Pioneer VCT Disciplined      2013       170,657    11.41 - 12.04       2,003,137     
   Value Sub-Account         2012       229,721      9.05 - 9.48       2,136,823     
                             2011       238,409      8.34 - 8.68       2,036,161     
                             2010       243,744      8.83 - 9.11       2,192,843     
                             2009       223,412      8.19 - 8.44       1,867,892     

Pioneer VCT Emerging         2013        46,688    14.71 - 16.31         721,583     
   Markets Sub-Account       2012        49,333    15.34 - 16.87         791,020     
                             2011        48,427    14.01 - 15.29         705,700     
                             2010        62,764    18.70 - 20.26       1,212,537     
                             2009        60,035    16.18 - 17.74       1,020,914     

Pioneer VCT Equity Income    2013        22,692    27.19 - 30.29         637,874     
   Sub-Account               2012        24,722    21.52 - 23.79         548,970     
                             2011        17,862    19.96 - 21.90         371,272     
                             2010        18,868    19.24 - 20.95         375,754     
                             2009        20,833    16.12 - 17.79         354,460     

Pioneer VCT Ibbotson Growth  2013     1,114,977    18.19 - 19.45      20,842,468     
   Allocation Sub-Account    2012     1,199,751    15.56 - 16.51      19,107,227     
                             2011     1,225,572    14.18 - 14.93      17,736,364     
                             2010     1,275,136    14.95 - 15.62      19,386,421     
                             2009     1,257,274    13.28 - 13.78      16,934,322     

Pioneer VCT Ibbotson         2013     1,660,240    17.16 - 18.76      30,201,063     
   Moderation Allocation     2012     1,789,015    15.09 - 16.33      28,441,628     
   Sub-Account               2011     1,795,010    13.82 - 14.81      25,968,930     
                             2010     1,833,743    14.43 - 15.31      27,517,066     
                             2009     1,818,031    12.95 - 13.60      24,317,338     

Pioneer VCT Mid Cap Value    2013     1,719,853    37.64 - 45.45      71,900,042     
   Sub-Account               2012     1,769,793    28.91 - 34.56      56,444,927     
                             2011     1,688,831    26.60 - 31.48      49,145,077     
                             2010     1,493,349    28.81 - 33.76      46,621,818     
                             2009     1,309,529    24.92 - 28.91      35,037,503     

Pioneer VCT Real Estate      2013        11,399    21.20 - 23.46         252,653     
   Shares Sub-Account        2012        10,700    21.29 - 23.38         237,514     
                             2011        12,968    18.70 - 20.38         251,847     
                             2010        12,983    17.38 - 18.80         234,208     
                             2009        16,034    13.78 - 14.80         228,918     

T. Rowe Price Growth Stock   2013        62,571           133.27       8,339,192     
   Sub-Account               2012        66,302            96.60       6,404,585     
                             2011        73,401            81.96       6,015,937     
                             2010        85,875            83.50       7,170,858     
                             2009        97,059            72.05       6,993,261     


                                             FOR THE YEAR ENDED DECEMBER 31          
                                   --------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)    TOTAL RETURN(3)
                                      INCOME          LOWEST TO          LOWEST TO   
                                     RATIO (%)       HIGHEST (%)        HIGHEST (%)  
                                   -------------  ----------------  -----------------
                                                                                     
Oppenheimer VA Money         2013       0.01               1.40                (1.38)
   Sub-Account               2012       0.01               1.40                (1.39)
                             2011       0.01               1.40                (1.37)
                             2010       0.03               1.40                (1.37)
                             2009       0.35               1.40                (1.07)

Pioneer VCT Disciplined      2013       1.59        1.20 - 1.95         26.11 - 27.06
   Value Sub-Account         2012       0.98        1.20 - 1.95           8.45 - 9.27
                             2011       0.72        1.20 - 1.95       (5.53) - (4.82)
                             2010       0.58        1.20 - 1.95           7.15 - 7.96
                             2009       0.70        1.20 - 2.15         13.26 - 14.34

Pioneer VCT Emerging         2013       0.92        1.20 - 1.95       (4.08) - (3.36)
   Markets Sub-Account       2012       0.21        1.20 - 1.95          9.49 - 10.32
                             2011         --        1.20 - 1.95     (25.09) - (24.53)
                             2010       0.32        1.20 - 1.95         13.38 - 14.23
                             2009       0.63        1.20 - 2.15         70.32 - 71.96

Pioneer VCT Equity Income    2013       2.29        1.20 - 1.95         26.35 - 27.30
   Sub-Account               2012       3.87        1.20 - 1.95           7.83 - 8.65
                             2011       2.00        1.20 - 1.95           3.73 - 4.51
                             2010       2.07        1.20 - 1.95         16.93 - 17.81
                             2009       3.38        1.20 - 2.15         11.47 - 12.53

Pioneer VCT Ibbotson Growth  2013       1.76        1.20 - 1.95         16.95 - 17.83
   Allocation Sub-Account    2012       1.76        1.20 - 1.95          9.72 - 10.55
                             2011       1.94        1.20 - 1.95       (5.14) - (4.42)
                             2010       1.88        1.20 - 1.95         12.55 - 13.39
                             2009       2.87        1.20 - 1.95         30.11 - 31.09

Pioneer VCT Ibbotson         2013       2.31        1.20 - 2.20         13.71 - 14.85
   Moderation Allocation     2012       2.47        1.20 - 2.20          9.14 - 10.25
   Sub-Account               2011       2.49        1.20 - 2.20       (4.21) - (3.25)
                             2010       2.53        1.20 - 2.20         11.44 - 12.56
                             2009       3.10        1.20 - 2.20         28.59 - 29.89

Pioneer VCT Mid Cap Value    2013       0.74        0.95 - 1.95         30.19 - 31.50
   Sub-Account               2012       0.84        0.95 - 1.95           8.67 - 9.77
                             2011       0.64        0.95 - 1.95       (7.66) - (6.73)
                             2010       0.87        0.95 - 1.95         15.62 - 16.78
                             2009       1.29        0.95 - 1.95         22.85 - 24.08

Pioneer VCT Real Estate      2013       2.16        1.20 - 1.95         (0.42) - 0.33
   Shares Sub-Account        2012       2.11        1.20 - 1.95         13.84 - 14.70
                             2011       2.24        1.20 - 1.95           7.64 - 8.45
                             2010       2.42        1.20 - 1.95         26.06 - 27.01
                             2009       4.81        1.20 - 1.95         29.02 - 29.98

T. Rowe Price Growth Stock   2013       0.04               0.89                 37.97
   Sub-Account               2012       0.18               0.89                 17.86
                             2011       0.02               0.89                (1.85)
                             2010       0.06               0.89                 15.89
                             2009       0.21               0.89                 41.98

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METLIFE INVESTORS USA SEPARATE ACCOUNT A              
OF METLIFE INVESTORS USA INSURANCE COMPANY              
NOTES TO THE FINANCIAL STATEMENTS -- (CONCLUDED)              

8.  FINANCIAL HIGHLIGHTS -- (CONCLUDED)                                         

                                                                [Download Table]

                                                 AS OF DECEMBER 31                  
                                   ---------------------------------------------    
                                                    UNIT VALUE                      
                                                     LOWEST TO          NET         
                                       UNITS        HIGHEST ($)     ASSETS ($)      
                                   ------------  ---------------  --------------    
                                                                                    
T. Rowe Price International  2013        41,360            15.85         655,401    
   Stock Sub-Account         2012        45,736            13.99         639,881    
                             2011        59,337            11.89         705,529    
                             2010        68,117            13.68         932,126    
                             2009        72,797            12.06         877,970    

T. Rowe Price Prime Reserve  2013        31,743            17.59         558,449    
   Sub-Account               2012        40,746            17.75         723,146    
                             2011        54,384            17.91         973,756    
                             2010        70,013            18.06       1,264,618    
                             2009        76,856            18.22       1,400,475    

UIF U.S. Real Estate         2013     2,531,191    27.80 - 60.27     100,974,977    
   Sub-Account               2012     2,343,331    27.76 - 59.62      90,757,950    
                             2011     2,367,197    24.43 - 51.96      76,564,905    
                             2010     2,327,750    23.50 - 49.52      68,963,648    
                             2009     2,542,094    18.43 - 38.47      56,466,102    


                                             FOR THE YEAR ENDED DECEMBER 31         
                                   -------------------------------------------------
                                   INVESTMENT(1)  EXPENSE RATIO(2)   TOTAL RETURN(3)
                                      INCOME          LOWEST TO         LOWEST TO   
                                     RATIO (%)       HIGHEST (%)       HIGHEST (%)  
                                   -------------  ----------------  ----------------
                                                                                    
T. Rowe Price International  2013       0.97               0.89                13.26
   Stock Sub-Account         2012       1.21               0.89                17.66
                             2011       1.20               0.89              (13.11)
                             2010       1.13               0.89                13.46
                             2009       2.49               0.89                50.86

T. Rowe Price Prime Reserve  2013       0.01               0.89               (0.87)
   Sub-Account               2012       0.01               0.89               (0.88)
                             2011       0.01               0.89               (0.87)
                             2010       0.01               0.89               (0.87)
                             2009       0.22               0.89               (0.70)

UIF U.S. Real Estate         2013       1.09        0.95 - 1.90          0.13 - 1.09
   Sub-Account               2012       0.85        0.95 - 1.90        13.65 - 14.74
                             2011       0.85        0.95 - 1.90          3.93 - 4.92
                             2010       2.15        0.95 - 1.90        27.52 - 28.73
                             2009       3.31        0.95 - 1.90        25.93 - 27.14

1 These amounts represent the dividends, excluding distributions of capital   
  gains, received by the Sub-Account from the underlying portfolio, series, or
fund, net of management fees assessed by the fund manager, divided by the 
 average net assets, regardless of share class, if any. These ratios exclude
those expenses, such as mortality and expense risk charges, that are      
assessed against contract owner accounts either through reductions in the 
unit values or the redemption of units. The investment income ratio is    
 calculated for each period indicated or from the effective date through the
end of the reporting period. The recognition of investment income by the  
  Sub-Account is affected by the timing of the declaration of dividends by the
underlying fund or portfolio in which the Sub-Account invests. The        
 investment income ratio is calculated as a weighted average ratio since the
Sub-Account may invest in two or more share classes, within the underlying
portfolio, series, or fund of the Trusts which may have unique investment 
income ratios.                                                            

2 These amounts represent annualized contract expenses of each of the         
 applicable Sub-Accounts, consisting primarily of mortality and expense risk
charges, for each period indicated. The ratios include only those expenses
that result in a direct reduction to unit values. Charges made directly to
 contract owner accounts through the redemption of units and expenses of the
underlying portfolio, series, or fund have been excluded.                 

3 These amounts represent the total return for the period indicated, including
changes in the value of the underlying portfolio, series, or fund, and    
 expenses assessed through the reduction of unit values. These ratios do not
include any expenses assessed through the redemption of units. The total  
return is calculated for each period indicated or from the effective date 
 through the end of the reporting period. The total return is presented as a
range of minimum to maximum returns, based on the minimum and maximum     
returns within each product grouping of the applicable Sub-Account.       

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MetLife Investors USA Insurance Company                                         

Consolidated Financial Statements                                               
As of December 31, 2013 and 2012 and for the Years Ended December 31, 2013,     
2012 and 2011 and Independent Auditors' Report                                  

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INDEPENDENT AUDITORS' REPORT  

To the Board of Directors and Stockholder of                                    
MetLife Investors USA Insurance Company:                                        

We have audited the accompanying consolidated financial statements of MetLife   
Investors USA Insurance Company and its subsidiaries (the "Company"), an        
indirect wholly-owned subsidiary of MetLife, Inc., which comprise the           
consolidated balance sheets as of December 31, 2013 and 2012, 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, 2013, and the related notes to the consolidated financial    
statements.                                                                     

Management's Responsibility for the Consolidated Financial Statements           

Management is responsible for the preparation and fair presentation of these    
consolidated financial statements in accordance with accounting principles      
generally accepted in the United States of America; this includes the design,   
implementation, and maintenance of internal control relevant to the preparation 
and fair presentation of consolidated financial statements that are free from   
material misstatement, whether due to fraud or error.                           

Auditors' Responsibility                                                        

Our responsibility is to express an opinion on these consolidated financial     
statements based on our audits. We conducted our audits in accordance with      
auditing standards generally accepted in the United States of America. Those    
standards require that we plan and perform the audit to obtain reasonable       
assurance about whether the consolidated financial statements are free from     
material misstatement.                                                          

An audit involves performing procedures to obtain audit evidence about the      
amounts and disclosures in the consolidated financial statements. The           
procedures selected depend on the auditor's judgment, including the assessment  
of the risks of material misstatement of the consolidated financial statements, 
whether due to fraud or error. In making those risk assessments, the auditor    
considers internal control relevant to the Company's preparation and fair       
presentation of the consolidated financial statements in order to design audit  
procedures that are appropriate in the circumstances, but not for the purpose   
of expressing an opinion on the effectiveness of the Company's internal         
control. Accordingly, we express no such opinion. An audit also includes        
evaluating the appropriateness of accounting policies used and the              
reasonableness of significant accounting estimates made by management, as well  
as evaluating the overall presentation of the consolidated financial statements.

We believe that the audit evidence we have obtained is sufficient and           
appropriate to provide a basis for our audit opinion.                           

Opinion                                                                         

In our opinion, the consolidated financial statements referred to above present 
fairly, in all material respects, the financial position of MetLife Investors   
USA Insurance Company and its subsidiaries as of December 31, 2013 and 2012,    
and the results of their operations and their cash flows for each of the three  
years in the period ended December 31, 2013, in accordance with accounting      
principles generally accepted in the United States of America.                  

Other Matter                                                                    

Results of the Company may not be indicative of those of a stand-alone entity,  
as the Company is a member of a controlled group of affiliated companies.       

/s/ DELOITTE & TOUCHE LLP                                                       

Certified Public Accountants                                                    
Philadelphia, Pennsylvania                                                      
April 8, 2014                                                                   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Consolidated Balance Sheets 
December 31, 2013 and 2012  

(In millions, except share and per share data)  

                                                        [Enlarge/Download Table]

                                                                                    2013         2012    
                                                                                ------------ ------------
                                                                                                         
Assets                                                                                                   
Investments:                                                                                             
 Fixed maturity securities available-for-sale, at estimated fair value                                   
   (amortized cost: $10,757 and $9,987, respectively).......................... $     11,214 $     11,387
 Equity securities available-for-sale, at estimated fair value (cost: $113 and                           
   $33, respectively)..........................................................           99           34
 Mortgage loans (net of valuation allowances of $8 and $8, respectively).......        1,826        1,678
 Policy loans..................................................................          151          130
 Real estate and real estate joint ventures....................................          190          175
 Other limited partnership interests...........................................          799          650
 Short-term investments, at estimated fair value...............................          504          722
 Other invested assets.........................................................          524          560
                                                                                ------------ ------------
   Total investments...........................................................       15,307       15,336
Cash and cash equivalents......................................................          100          122
Accrued investment income......................................................          134          135
Premiums, reinsurance and other receivables....................................       12,468       14,492
Deferred policy acquisition costs..............................................        3,624        2,906
Current income tax recoverable.................................................          108          137
Other assets...................................................................          692          725
Separate account assets........................................................       81,745       70,876
                                                                                ------------ ------------
     Total assets.............................................................. $    114,178 $    104,729
                                                                                ============ ============
Liabilities and Stockholder's Equity                                                                     
Liabilities                                                                                              
Future policy benefits......................................................... $      5,415 $      4,402
Policyholder account balances..................................................       11,066       12,937
Other policy-related balances..................................................        2,649        2,607
Payables for collateral under securities loaned and other transactions.........        1,547        1,823
Long-term debt.................................................................           40           41
Deferred income tax liability..................................................        1,113        1.383
Other liabilities..............................................................        5,796        5,389
Separate account liabilities...................................................       81,745       70,876
                                                                                ------------ ------------
     Total liabilities.........................................................      109,371       99,458
                                                                                ------------ ------------
Contingencies, Commitments and Guarantees (Note 12)                                                      
Stockholder's Equity                                                                                     
Preferred stock, par value $1.00 per share; 200,000 shares authorized, issued                            
  and outstanding..............................................................           --           --
Common stock, par value $200.00 per share; 15,000 shares authorized;                                     
  11,000 shares issued and outstanding.........................................            2            2
Additional paid-in capital.....................................................        2,534        2,520
Retained earnings..............................................................        1,997        1,832
Accumulated other comprehensive income (loss)..................................          274          917
                                                                                ------------ ------------
     Total stockholder's equity................................................        4,807        5,271
                                                                                ------------ ------------
     Total liabilities and stockholder's equity................................ $    114,178 $    104,729
                                                                                ============ ============

See accompanying notes to the consolidated financial statements.  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Consolidated Statements of Operations 
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                  2013      2012      2011   
                                                                --------- --------- ---------
                                                                                             
Revenues                                                                                     
Premiums....................................................... $     333 $     428 $     647
Universal life and investment-type product policy fees.........     1,691     1,585     1,288
Net investment income..........................................       726       661       586
Other revenues.................................................       422       327       314
Net investment gains (losses):                                                               
 Other-than-temporary impairments on fixed maturity securities.       (3)       (4)        --
 Other-than-temporary impairments on fixed maturity securities                               
   transferred to other comprehensive income (loss)............        --         2       (2)
 Other net investment gains (losses)...........................         9        27       (5)
                                                                --------- --------- ---------
   Total net investment gains (losses).........................         6        25       (7)
 Net derivative gains (losses).................................   (1,005)     1,135       725
                                                                --------- --------- ---------
     Total revenues............................................     2,173     4,161     3,553
                                                                --------- --------- ---------
Expenses                                                                                     
Policyholder benefits and claims...............................       571       802       779
Interest credited to policyholder account balances.............       419       421       424
Other expenses.................................................     1,039     1,928     1,688
                                                                --------- --------- ---------
     Total expenses............................................     2,029     3,151     2,891
                                                                --------- --------- ---------
Income (loss) before provision for income tax..................       144     1,010       662
Provision for income tax expense (benefit).....................      (21)       296       175
                                                                --------- --------- ---------
Net income (loss).............................................. $     165 $     714 $     487
                                                                ========= ========= =========

See accompanying notes to the consolidated financial statements.  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Consolidated Statements of Comprehensive Income (Loss)  
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                        2013    2012     2011   
                                                                      -------- ------- ---------
                                                                                                
Net income (loss).................................................... $    165 $   714 $     487
Other comprehensive income (loss):                                                              
 Unrealized investment gains (losses), net of related offsets........    (853)     331       697
 Unrealized gains (losses) on derivatives............................    (138)      16       199
 Foreign currency translation adjustments............................        2     (1)       (1)
                                                                      -------- ------- ---------
Other comprehensive income (loss), before income tax.................    (989)     346       895
Income tax (expense) benefit related to items of other comprehensive                            
  income (loss)......................................................      346   (121)     (313)
                                                                      -------- ------- ---------
Other comprehensive income (loss), net of income tax.................    (643)     225       582
                                                                      -------- ------- ---------
Comprehensive income (loss).......................................... $  (478) $   939 $   1,069
                                                                      ======== ======= =========

See accompanying notes to the consolidated financial statements.  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Consolidated Statements of Stockholder's Equity 
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                       Accumulated Other Comprehensive Income (Loss)
                                                                       ---------------------------------------------
                                                                           Net                                      
                                                                       Unrealized                       Foreign     
                                              Additional               Investment     Other-Than-       Currency    
                          Preferred  Common    Paid-in      Retained      Gains        Temporary      Translation   
                           Stock     Stock     Capital     Earnings       (Losses)      Impairments     Adjustments 
                         ---------- -------- ------------ ------------ -----------   --------------  -------------- 
                                                                                                                    
Balance at December 31,                                                                                             
 2010 (1)............... $      --  $      2 $      2,520 $        631 $      113       $    (3)        $     --    
Net income (loss).......                                           487                                              
Other comprehensive                                                                                                 
 income (loss), net of                                                                                              
 income tax.............                                                      584            (1)             (1)    
                         ---------- -------- ------------ ------------ -----------   --------------  -------------- 
Balance at December 31,                                                                                             
 2011...................        --         2        2,520        1,118        697            (4)             (1)    
Net income (loss).......                                           714                                              
Other comprehensive                                                                                                 
 income (loss), net of                                                                                              
 income tax.............                                                      225              1             (1)    
                         ---------- -------- ------------ ------------ -----------   --------------  -------------- 
Balance at December 31,                                                                                             
 2012...................        --         2        2,520        1,832        922            (3)             (2)    
Capital contribution....                               14                                                           
Net income (loss).......                                           165                                              
Other comprehensive                                                                                                 
 income (loss), net of                                                                                              
 income tax.............                                                    (645)              1               1    
                         ---------- -------- ------------ ------------ -----------   --------------  -------------- 
Balance at December 31,                                                                                             
 2013................... $      --  $      2 $      2,534 $      1,997 $      277       $    (2)        $    (1)    
                         ========== ======== ============ ============ ===========   ==============  ============== 
                                                                [Download Table]


                             Total    
                         Stockholder's
                             Equity   
                         -------------
                                      
Balance at December 31,               
 2010 (1)............... $      3,263 
Net income (loss).......          487 
Other comprehensive                   
 income (loss), net of                
 income tax.............          582 
                         -------------
Balance at December 31,               
 2011...................        4,332 
Net income (loss).......          714 
Other comprehensive                   
 income (loss), net of                
 income tax.............          225 
                         -------------
Balance at December 31,               
 2012...................        5,271 
Capital contribution....           14 
Net income (loss).......          165 
Other comprehensive                   
 income (loss), net of                
 income tax.............        (643) 
                         -------------
Balance at December 31,               
 2013................... $      4,807 
                         =============

--------                                                                        

(1)Includes amounts related to prior period adjustments to Retained Earnings of 
($25) million. See Note 1.                                                

See accompanying notes to the consolidated financial statements.  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Consolidated Statements of Cash Flows 
For the Years Ended December 31, 2013, 2012 and 2011  

(In millions) 

                                                        [Enlarge/Download Table]

                                                                                                      2013     2012     2011  
                                                                                                    -------- -------- --------
                                                                                                                              
Cash flows from operating activities                                                                                          
Net income (loss).................................................................................. $    165 $    714 $    487
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:                            
  Depreciation and amortization expenses...........................................................       17       13       20
  Amortization of premiums and accretion of discounts associated with investments, net.............     (59)     (49)     (45)
  (Gains) losses on investments and derivatives, net...............................................      918  (1,222)    (826)
  (Income) loss from equity method investments, net of dividends or distributions..................     (34)     (24)      (2)
  Interest credited to policyholder account balances...............................................      419      421      424
  Universal life and investment-type product policy fees...........................................  (1,691)  (1,585)  (1,288)
  Change in accrued investment income..............................................................        7     (12)     (14)
  Change in premiums, reinsurance and other receivables............................................  (1,230)    (705)    (608)
  Change in deferred policy acquisition costs, net.................................................    (675)       41    (574)
  Change in income tax.............................................................................      105      328      160
  Change in other assets...........................................................................    1,637    1,417    1,058
  Change in insurance-related liabilities and policy-related balances..............................    1,123    1,469    1,299
  Change in other liabilities......................................................................      887      398      363
                                                                                                    -------- -------- --------
Net cash provided by (used in) operating activities................................................    1,589    1,204      454
                                                                                                    -------- -------- --------
Cash flows from investing activities                                                                                          
  Sales, maturities and repayments of:                                                                                        
   Fixed maturity securities.......................................................................    3,907    3,203    3,137
   Equity securities...............................................................................        9        3        5
   Mortgage loans..................................................................................      115       60       56
   Real estate and real estate joint ventures......................................................       27       --       --
   Other limited partnership interests.............................................................       50       68       93
  Purchases of:                                                                                                               
   Fixed maturity securities.......................................................................  (4,569)  (3,715)  (4,274)
   Equity securities...............................................................................     (82)     (31)      (5)
   Mortgage loans..................................................................................    (258)    (229)    (387)
   Real estate and real estate joint ventures......................................................     (69)    (145)      (1)
   Other limited partnership interests.............................................................    (171)    (162)    (164)
  Cash received in connection with freestanding derivatives........................................       29       57       22
  Cash paid in connection with freestanding derivatives............................................     (76)     (18)     (25)
  Issuances of loans to affiliates.................................................................    (125)       --    (125)
  Net change in policy loans.......................................................................     (21)     (28)     (38)
  Net change in short-term investments.............................................................      220       57    (666)
  Net change in other invested assets..............................................................     (13)        5       25
                                                                                                    -------- -------- --------
Net cash provided by (used in) investing activities................................................  (1,027)    (875)  (2,347)
                                                                                                    -------- -------- --------
Cash flows from financing activities                                                                                          
  Policyholder account balances:                                                                                              
   Deposits........................................................................................    1,616    2,621    4,984
   Withdrawals.....................................................................................  (1,914)  (3,191)  (3,647)
  Net change in payables for collateral under securities loaned and other transactions.............    (276)      151      426
  Long-term debt repaid............................................................................      (1)      (1)      (3)
  Financing element on certain derivative instruments..............................................      (9)      105        1
                                                                                                    -------- -------- --------
Net cash provided by (used in) financing activities................................................    (584)    (315)    1,761
                                                                                                    -------- -------- --------
Change in cash and cash equivalents................................................................     (22)       14    (132)
Cash and cash equivalents, beginning of year.......................................................      122      108      240
                                                                                                    -------- -------- --------
Cash and cash equivalents, end of year                                                              $    100 $    122 $    108
                                                                                                    ======== ======== ========
Supplemental disclosures of cash flow information:                                                                            
  Net cash paid (received) for:                                                                                               
   Interest........................................................................................ $      3 $      3 $      2
                                                                                                    ======== ======== ========
   Income tax...................................................................................... $  (131) $   (34) $     16
                                                                                                    ======== ======== ========
Non-cash transactions:                                                                                                        
  Real estate and real estate joint ventures acquired in satisfaction of debt...................... $     -- $      2 $     --
                                                                                                    ======== ======== ========

See accompanying notes to the consolidated financial statements.  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements  

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies                                                                        

Business                                                                        

MetLife Investors USA Insurance Company ("MLI-USA") and its subsidiaries,   
(the "Company"), a Delaware domiciled life insurance company is a wholly-owned  
subsidiary of MetLife Insurance Company of Connecticut ("MICC"). MICC is a      
subsidiary of MetLife, Inc. ("MetLife"). The Company markets, administers and   
insures a broad range of term life, universal and variable life and variable    
and fixed annuity products.                                                     

In the second quarter of 2013, MetLife announced its plans to merge three   
U.S.-based life insurance companies and an offshore reinsurance subsidiary to   
create one larger U.S.-based and U.S.-regulated life insurance company (the     
"Mergers"). The companies to be merged consist of MICC, MLI-USA and MetLife     
Investors Insurance Company, each a U.S. insurance company that issues variable 
annuity products in addition to other products, and Exeter Reassurance Company, 
Ltd. ("Exeter"), a reinsurance company that mainly reinsures guarantees         
associated with variable annuity products. MICC, which is expected to be        
renamed and domiciled in Delaware, will be the surviving entity. Exeter,        
formerly a Cayman Islands company, was re-domesticated to Delaware in October   
2013. The Mergers are expected to occur in the fourth quarter of 2014, subject  
to regulatory approvals.                                                        

Basis of Presentation                                                           

The preparation of financial statements in conformity with accounting       
principles generally accepted in the United States of America ("GAAP") requires 
management to adopt accounting policies and make estimates and assumptions that 
affect amounts reported in the 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 Investors USA Insurance Company and its subsidiary, as well as a      
partnership in which the Company has control. Intercompany accounts and       
transactions have been eliminated.                                            

  Since the Company is a member of a controlled group of affiliated companies,
its results may not be indicative of those of a stand-alone entity.           

Separate Accounts                                                             

 Separate accounts are established in conformity with insurance laws and are
generally not chargeable with liabilities that arise from any other business  
of the Company. Separate account assets are subject to general account claims 
only to the extent the value of such assets exceeds the separate account      
liabilities. The Company reports separately, as assets and liabilities,       
investments held in separate accounts and liabilities of the separate accounts
if:                                                                           

.  such separate accounts are legally recognized;                       
.  assets supporting the contract liabilities are legally insulated from
the Company's general account liabilities;                        

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

.  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.                                                                   

The Company's revenues reflect fees charged to the separate accounts,     
including mortality charges, risk charges, policy administration fees,        
investment management fees and surrender charges. Such fees are included in   
universal life and investment-type product policy fees in the statements of   
operations.                                                                   

Reclassifications                                                             

Certain amounts in the prior years' consolidated financial statements and 
related footnotes thereto have been reclassified to conform with the current  
year presentation as discussed throughout the Notes to the Consolidated       
Financial Statements.                                                         

Adjustments to Prior Periods                                                

During the fourth quarter of 2013, the Company determined certain prior   
period results should be adjusted to correct the following:                   

   .  Certain prior years' acquisition costs related to variable annuity sales
     were incorrectly allocated to an affiliate. Such costs, net of deferred
 policy acquisition costs ("DAC"), were $65 million, $78 million and
$62 million for 2012, 2011 and 2010, respectively.                
   .  A DAC recoverability write-off of $111 million associated with term life
   and universal life secondary guarantees business sold in 2012 was not
recorded as of December 31, 2012.                                 
.  The fair value of a bifurcated embedded derivative associated with a 
reinsurance agreement was overstated by $23 million for 2011.     
 .  Policyholder benefits and claims and other expenses were overstated in
    2012 by $6 million and $23 million, respectively, due to an adjustment
     in the modeling of dynamic lapses in certain variable annuity products.
.  Adjustments associated with data used in the modeling of certain     
variable annuity projected benefits in periods prior to 2012.     
 Previously, net derivative gains (losses) was over (understated) by
$82 million, ($47) million and ($35) million for the years ended  
     December 31, 2012 and 2011 and periods prior to 2011, respectively, and
   DAC amortization was over (understated) by $28 million, ($15) million
  and ($13) million for the years ended December 31, 2012 and 2011 and
periods prior to 2011, respectively.                              

  Management evaluated the materiality of these adjustments quantitatively and
qualitatively and concluded that they were not material to any prior periods' 
annual financial statements; however, unadjusted amounts as of December 31,   
2012 would have had a significant effect on the results of operations for 2013
if they were recorded in 2013. Accordingly, the Company has revised its       
previously reported financial statements for prior annual periods for the     
items listed above, including the related tax impacts, as detailed below.     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

The impact of the adjustments is shown in the tables below:                 

                                                                [Download Table]

                                                 December 31, 2012 
                                                -------------------
                                                    As             
                                                Previously    As   
Consolidated Balance Sheets                      Reported  Adjusted
----------------------------------------------- ---------- --------
                                                   (In millions)   
                                                                   
Assets                                                             
   Premiums, reinsurance and other receivables.  $ 14,746  $ 14,492
   Deferred policy acquisition costs...........  $  2,945  $  2,906
   Other assets................................  $    721  $    725
   Total assets................................  $105,018  $104,729
Liabilities                                                        
   Future policy benefits......................  $  4,404  $  4,402
   Deferred income tax liability...............  $  1,484  $  1,383
   Total liabilities...........................  $ 99,561  $ 99,458
Stockholder's Equity                                               
   Retained earnings...........................  $  2,018  $  1,832
   Total stockholder's equity..................  $  5,457  $  5,271
   Total liabilities and stockholder's equity..  $105,018  $104,729

                                                        [Enlarge/Download Table]

                                                            December 31,              
                                               ---------------------------------------
                                                      2012                2011        
                                               ------------------- -------------------
                                                   As                  As             
                                               Previously    As    Previously    As   
Consolidated Statements of Operations           Reported  Adjusted  Reported  Adjusted
---------------------------------------------- ---------- -------- ---------- --------
                                                            (In millions)             
                                                                                      
Revenues                                                                              
   Net derivative gains (losses)..............   $1,194    $1,135    $  701    $  725 
   Total revenues.............................   $4,220    $4,161    $3,529    $3,553 
Expenses                                                                              
   Policyholder benefits and claims...........   $  808    $  802    $  779       N/A 
   Other expenses.............................   $1,803    $1,928    $1,595    $1,688 
   Total expenses.............................   $3,032    $3,151    $2,798    $2,891 
Income (loss) before provision for income tax.   $1,188    $1,010    $  731    $  662 
Provision for income tax expense (benefit)....   $  359    $  296    $  198    $  175 
Net income (loss).............................   $  829    $  714    $  533    $  487 

                                                        [Enlarge/Download Table]

                                                                     December 31,              
                                                        ---------------------------------------
                                                               2012                2011        
                                                        ------------------- -------------------
                                                            As                  As             
                                                        Previously    As    Previously    As   
Consolidated Statements of Comprehensive Income (Loss)   Reported  Adjusted  Reported  Adjusted
------------------------------------------------------  ---------- -------- ---------- --------
                                                                     (In millions)             
                                                                                               
             Net income (loss).........................   $  829     $714     $  533    $  487 
             Comprehensive income (loss)...............   $1,054     $939     $1,115    $1,069 

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

                                                                [Download Table]

                                                     As             
                                                 Previously    As   
Consolidated Statements of Stockholder's Equity   Reported  Adjusted
-----------------------------------------------  ---------- --------
                                                    (In millions)   
                                                                    
       Retained Earnings                                            
         Balance at December 31, 2010...........   $  656    $  631 
          Net income (loss).....................   $  533    $  487 
         Balance at December 31, 2011...........   $1,189    $1,118 
          Net income (loss).....................   $  829    $  714 
         Balance at December 31, 2012...........   $2,018    $1,832 
       Total Stockholder's Equity                                   
         Balance at December 31, 2010...........   $3,288    $3,263 
         Balance at December 31, 2011...........   $4,403    $4,332 
         Balance at December 31, 2012...........   $5,457    $5,271 

                                                        [Enlarge/Download Table]

                                                                             December 31,              
                                                                -------------------------------------- 
                                                                       2012                2011        
                                                                ------------------  ------------------ 
                                                                    As                  As             
                                                                Previously    As    Previously    As   
Consolidated Statements of Cash Flows                            Reported  Adjusted  Reported  Adjusted
--------------------------------------------------------------  ---------- -------- ---------- --------
                                                                             (In millions)             
                                                                                                       
Cash flows from operating activities                                                                   
   Net income (loss)...........................................  $   829   $   714    $  533    $ 487  
   (Gains) losses on investments and derivatives, net..........  $(1,281)  $(1,222)   $ (802)   $(826) 
   Change in premiums, reinsurance and other receivables.......  $  (756)  $  (705)   $ (710)   $(608) 
   Change in deferred policy acquisition costs, net............  $   (33)  $    41    $ (566)   $(574) 
   Change in income tax........................................  $   391   $   328    $  184    $ 160  
   Change in other assets......................................  $ 1,421   $ 1,417    $1,058      N/A  
   Change in insurance-related liabilities and policy-related                                          
     balances..................................................  $ 1,471   $ 1,469    $1,299      N/A  

Summary of Significant Accounting Policies                                      

The following are the Company's significant accounting policies with        
references to notes providing additional information on such policies and       
critical accounting estimates relating to such policies.                        

                                                                [Download Table]
                                                                            
----------------------------------------------------------------------------
Accounting Policy                                                       Note
----------------------------------------------------------------------------
Insurance                                                                2  
----------------------------------------------------------------------------
Deferred Policy Acquisition Costs and Other Policy-Related Intangibles   3  
----------------------------------------------------------------------------
Reinsurance                                                              4  
----------------------------------------------------------------------------
Investments                                                              5  
----------------------------------------------------------------------------
Derivatives                                                              6  
----------------------------------------------------------------------------
Fair Value                                                               7  
----------------------------------------------------------------------------
Income Tax                                                               11 
----------------------------------------------------------------------------
Litigation Contingencies                                                 12 
----------------------------------------------------------------------------

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

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, policy lapse, renewal, 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 and interest rates are "locked in" upon the issuance of new       
business. However, significant adverse changes in experience on such        
contracts may require the establishment of premium deficiency reserves. Such
reserves are determined based on the then current assumptions and do not    
include a provision for adverse deviation.                                  

Liabilities for universal and variable life secondary guarantees are    
determined by estimating the expected value of death benefits payable when  
the account balance is projected to be zero and recognizing those benefits  
 ratably over the accumulation period based on total expected assessments. The
assumptions used in estimating the secondary guarantee liabilities are      
consistent with those used for amortizing DAC, and are thus subject to the  
same variability and risk as further discussed herein. The assumptions of   
investment performance and volatility for variable products are consistent  
with historical experience of appropriate underlying equity indices, such as
the Standard & Poor's Ratings Services ("S&P") 500 Index. The benefits used 
 in calculating the liabilities are based on the average benefits payable over
a range of scenarios.                                                       

The Company regularly reviews its estimates of liabilities for future   
policy benefits and compares them with its actual experience. Differences   
result in changes to the liability balances with related charges or credits 
to benefit expenses in the period in which the changes occur.               

Policyholder account balances ("PABs") relate to contract or contract   
features where the Company has no significant insurance risk.               

The Company issues certain variable annuity products with guaranteed    
minimum benefits that provide the policyholder a minimum return based on    
their initial deposit (i.e., the benefit base) less withdrawals. These      
guarantees are accounted for as insurance liabilities or as embedded        
derivatives depending on how and when the benefit is paid. Specifically, a  
guarantee is accounted for as an embedded derivative if a guarantee is paid 
 without requiring (i) the occurrence of specific insurable event, or (ii) the
policyholder to annuitize. Alternatively, a guarantee is accounted for as an
insurance liability if the guarantee is paid only upon either (i) the       
occurrence of a specific insurable event, or (ii) annuitization. In certain 
cases, a guarantee may have elements of both an insurance liability and an  
embedded derivative and in such cases the guarantee is split and accounted  
for under both models.                                                      

   Guarantees accounted for as insurance liabilities in future policy benefits
include guaranteed minimum death benefits ("GMDBs"), the portion of         
guaranteed minimum income benefits ("GMIBs") that require annuitization, and
the life-contingent portion of guaranteed minimum withdrawal benefits       
("GMWBs").                                                                  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Guarantees accounted for as embedded derivatives in PABs include the non
life-contingent portion of GMWBs, guaranteed minimum accumulation benefits  
("GMABs") and the portion of GMIBs that do not require annuitization. At    
 inception, the Company attributes to the embedded derivative a portion of the
projected future guarantee fees to be collected from the policyholder equal 
to the present value of projected future guaranteed benefits. Any additional
fees represent "excess" fees and are reported in universal life and         
investment-type product policy fees.                                        

Other Policy-Related Balances                                               

  Other policy-related balances include policy and contract claims, unearned
revenue liabilities and premiums received in advance.                       

  The liability for policy and contract claims generally relates to incurred
 but not reported death claims, as well as claims which have been reported but
not yet settled. The liability for these claims is based on the Company's   
 estimated ultimate cost of settling all claims. The Company derives estimates
for the development of incurred but not reported claims principally from    
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.                                        

  The Company accounts for the prepayment of premiums on its individual life
contracts as premiums received in advance and applies the cash received to  
premiums when due.                                                          

Recognition of Insurance Revenues and Deposits                              

Premiums related to traditional life and annuity policies with life     
contingencies are recognized as revenues when due from policyholders.       
 Policyholder benefits and expenses are provided to recognize profits over the
estimated lives of the insurance policies. When premiums are due over a     
significantly shorter period than the period over which benefits are        
provided, any excess profit is deferred and recognized into earnings in a   
constant relationship to insurance in-force or, for annuities, the amount of
expected future policy benefit payments.                                    

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.                                                             

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Deferred Policy Acquisition Costs and Other Policy-Related Intangibles        

The Company incurs significant costs in connection with acquiring new and 
renewal insurance business. Costs that are related directly to the successful 
acquisition or renewal of insurance contracts are capitalized as DAC. Such    
costs include:                                                                

 .  incremental direct costs of contract acquisition, such as commissions;
  .  the portion of an employee's total compensation and benefits related to
    time spent selling, underwriting or processing the issuance of new and
      renewal insurance business only with respect to actual policies acquired
or renewed;                                                       
.  other essential direct costs that would not have been incurred had a 
policy not been acquired or renewed; and                          
  .  in limited circumstances, the costs of direct-response advertising, the
   primary purpose of which is to elicit sales to customers who could be
      shown to have responded specifically to the advertising and that results
in probable future benefits.                                      

All other acquisition-related costs, including those related to general   
advertising and solicitation, market research, agent training, product        
development, unsuccessful sales and underwriting efforts, as well as all      
indirect costs, are expensed as incurred.                                     

DAC is amortized as follows:                                              

----------------------------------------------------------------------------- 
Products:                              In proportion to the following over    
                                 estimated lives of the contracts:
----------------------------------------------------------------------------- 
.  Nonparticipating and                Historic actual and expected future    
non-dividend-paying traditional     gross premiums.                     
contracts (primarily term                                               
insurance)                                                              
----------------------------------------------------------------------------- 
.  Participating, dividend-paying      Actual and expected future gross       
traditional contracts               margins.                            
----------------------------------------------------------------------------- 
.  Fixed and variable universal life   Actual and expected future gross       
contracts                           profits.                            
.  Fixed and variable deferred                                                
annuity contracts                                                       
----------------------------------------------------------------------------- 

See Note 3 for additional information on DAC amortization.                

The recovery of DAC is dependent upon the future profitability of the     
related business.                                                             

  The Company generally has two different types of sales inducements which are
included in other assets: (i) the policyholder receives a bonus whereby the   
policyholder's initial account balance is increased by an amount equal to a   
specified percentage of the customer's deposit; and (ii) the policyholder     
receives a higher interest rate using a dollar cost averaging method than     
would have been received based on the normal general account interest rate    
credited. The Company defers sales inducements and amortizes them over the    
life of the policy using the same methodology and assumptions used to amortize
DAC. The amortization of sales inducements is included in policyholder        
benefits and claims. Each year, or more frequently if circumstances indicate a
potential recoverability issue exists, the Company reviews deferred sales     
inducements to determine the recoverability of the asset.                     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

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.   
The VODA associated with past business combinations contributed to the Company
by MetLife is amortized over useful lives ranging from 10 to 30 years and such
amortization is included in other expenses. Each year, or more frequently if  
circumstances indicate a possible impairment exists, the Company reviews VODA 
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 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).               

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

If the Company determines that a reinsurance agreement does not expose the
reinsurer to a reasonable possibility of a significant loss from insurance    
risk, the Company records the agreement using the deposit method of           
accounting. Deposits received are included in other liabilities and deposits  
made are included within premiums, reinsurance and other receivables. As      
amounts are paid or received, consistent with the underlying contracts, the   
deposit assets or liabilities are adjusted. Interest on such deposits is      
recorded as other revenues or other expenses, as appropriate. Periodically,   
the Company evaluates the adequacy of the expected payments or recoveries and 
adjusts the deposit asset or liability through other revenues or other        
expenses, as appropriate.                                                     

Investments                                                                   

Net Investment Income                                                       

Income on investments is reported within net investment income, unless  
otherwise stated herein.                                                    

Fixed Maturity and Equity Securities                                        

The Company's fixed maturity and equity securities are classified as    
available-for-sale ("AFS") and are reported at their estimated fair value.  
Unrealized investment gains and losses on these securities are recorded as a
separate component of other comprehensive income (loss) ("OCI"), net of     
policyholder-related amounts and deferred income taxes. All security        
transactions are recorded on a trade date basis. Investment gains and losses
on sales are determined on a specific identification basis.                 

Interest income on fixed maturity securities is recognized when earned  
 using an effective yield method giving effect to amortization of premiums and
 accretion of discounts. Prepayment fees are recognized when earned. Dividends
on equity securities are recognized when declared.                          

   The Company periodically evaluates fixed maturity and equity securities for
impairment. The assessment of whether impairments have occurred is based on 
management's case-by-case evaluation of the underlying reasons for the      
decline in estimated fair value, as well as an analysis of the gross        
unrealized losses by severity and/or age as described in Note 5 "--         
 Evaluation of AFS Securities for OTTI and Evaluating Temporarily Impaired AFS
Securities."                                                                

For fixed maturity securities in an unrealized loss position, an        
 other-than-temporary impairment ("OTTI") is recognized in earnings when it is
anticipated that the amortized cost will not be recovered. When either:     
(i) the Company has the intent to sell the security; or (ii) it is more     
 likely than not that the Company will be required to sell the security before
recovery, the OTTI recognized in earnings is the entire difference between  
the security's amortized cost and estimated fair value. If neither of these 
conditions exist, the difference between the amortized cost of the security 
 and the present value of projected future cash flows expected to be collected
is recognized as an OTTI in earnings ("credit loss"). If the estimated fair 
value is less than the present value of projected future cash flows expected
to be collected, this portion of OTTI related to other-than-credit factors  
("noncredit loss") is recorded in OCI.                                      

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

With respect to equity securities, the Company considers in its OTTI    
analysis its intent and ability to hold a particular equity security for a  
period of time sufficient to allow for the recovery of its estimated fair   
value to an amount equal to or greater than cost. If a sale decision is made
 for an equity security and recovery to an amount at least equal to cost prior
to the sale is not expected, the security will be deemed to be              
 other-than-temporarily impaired in the period that the sale decision was made
and an OTTI loss will be recorded in earnings. The OTTI loss recognized is  
the entire difference between the security's cost and its estimated fair    
value.                                                                      

Mortgage Loans                                                              

  The Company disaggregates its mortgage loan investments into two portfolio
segments: commercial and agricultural. The accounting policies that are     
applicable to all portfolio segments are presented below and the accounting 
policies related to each of the portfolio segments are included in Note 5.  

Mortgage loans are stated at unpaid principal balance, adjusted for any 
unamortized premium or discount, deferred fees or expenses, and are net of  
 valuation allowances. Interest income and prepayment fees are recognized when
earned. Interest income is recognized using an effective yield method giving
effect to amortization of premiums and accretion of discounts.              

Policy Loans                                                                

Policy loans are stated at unpaid principal balances. Interest income on
such loans is recorded as earned using the contractual interest rate.       
Generally, accrued interest is capitalized on the policy's anniversary date.
Valuation allowances are not established for policy loans, as they are fully
collateralized by the cash surrender value of the underlying insurance      
policies. Any unpaid principal or interest on the loan is deducted from the 
cash surrender value or the death benefit prior to settlement of the        
insurance policy.                                                           

Real Estate                                                                 

Real estate held-for-investment is stated at cost less accumulated      
depreciation. Depreciation is provided on a straight-line basis over the    
estimated useful life of the asset (typically 20 to 55 years). Rental income
associated with such real estate is recognized on a straight-line basis over
the term of the respective leases. The Company periodically reviews its real
estate held-for-investment for impairment and tests for recoverability      
whenever events or changes in circumstances indicate the carrying value may 
not be recoverable and exceeds its estimated fair value. Properties whose   
carrying values are greater than their undiscounted cash flows are written  
down to their estimated fair value, which is generally computed using the   
 present value of expected future cash flows discounted at a rate commensurate
with the underlying risks.                                                  

   Real estate for which the Company commits to a plan to sell within one year
and actively markets in its current condition for a reasonable price in     
comparison to its estimated fair value is classified as held for sale. Real 
estate held-for-sale is stated at the lower of depreciated cost or estimated
fair value less expected disposition costs and is not depreciated.          

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Real Estate Joint Ventures and Other Limited Partnership Interests          

  The Company uses the equity method of accounting for investments in equity
 securities when it has significant influence or at least 20% interest and for
investments in real estate joint ventures and other limited partnership     
interests ("investees") when it has more than a minor ownership interest or 
 more than a minor influence over the investee's operations, but does not have
a controlling financial interest. The Company generally recognizes its share
of the investee's earnings on a three-month lag in instances where the      
investee's financial information is not sufficiently timely or when the     
investee's reporting period differs from the Company's reporting period.    

  The Company uses the cost method of accounting for investments in which it
has virtually no influence over the investee's operations. The Company      
recognizes distributions on cost method investments as earned or received.  
 Because of the nature and structure of these cost method investments, they do
not meet the characteristics of an equity security in accordance with       
applicable accounting standards.                                            

The Company routinely evaluates its equity method and cost method       
investments for impairment. For equity method investees, the Company        
considers financial and other information provided by the investee, other   
known information and inherent risks in the underlying investments, as well 
as future capital commitments, in determining whether an impairment has     
occurred. The Company considers its cost method investments for impairment  
when the carrying value of such investments exceeds the net asset value     
("NAV"). The Company takes into consideration the severity and duration of  
this excess when determining whether the cost method investment is impaired.

Short-term Investments                                                      

Short-term investments include securities and other investments with    
remaining maturities of one year or less, but greater than three months, at 
the time of purchase and are stated at estimated fair value or amortized    
cost, which approximates estimated fair value. Short-term investments also  
include investments in affiliated money market pools.                       

Other Invested Assets                                                       

Other invested assets consist of the following:                         

   .  Loans to affiliates are stated at unpaid principal balance, adjusted for
any unamortized premium or discount.                              
.  Freestanding derivatives with positive estimated fair values are     
described in "-- Derivatives" below.                              
   .  Tax credit and renewable energy partnerships derive their primary source
 of investment return in the form of income tax credits or other tax
  incentives. Where tax credits are guaranteed by a creditworthy third
      party, the investment is accounted for under the effective yield method.
 Otherwise, the investment is accounted for under the equity method.
.  Leveraged leases are recorded net of non-recourse debt. Income on    
leveraged leases is recognized by applying the leveraged lease's  
      estimated rate of return to the net investment in the lease. The Company
regularly reviews residual values for impairment.                 

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Securities Lending Program                                                  

   Securities lending transactions, whereby blocks of securities are loaned to
 third parties, primarily brokerage firms and commercial banks, are treated as
 financing arrangements and the associated liability is recorded at the amount
of cash received. The Company obtains collateral at the inception of the    
loan, usually cash, in an amount generally equal to 102% of the estimated   
 fair value of the securities loaned, and maintains it at a level greater than
or equal to 100% for the duration of the loan. The Company is liable to     
return to the counterparties the cash collateral received. Security         
collateral on deposit from counterparties in connection with the securities 
 lending transactions may not be sold or repledged, unless the counterparty is
in default, and is not reflected in the financial statements. The Company   
monitors the estimated fair value of the securities loaned on a daily basis 
and additional collateral is obtained as necessary. Income and expenses     
associated with securities lending transactions are reported as investment  
income and investment expense, respectively, within net investment income.  

Derivatives                                                                   

Freestanding Derivatives                                                    

   Freestanding derivatives are carried in the Company's balance sheets either
as assets within other invested assets or as liabilities within other       
liabilities at estimated fair value. The Company does not offset the fair   
value amounts recognized for derivatives executed with the same counterparty
under the same master netting agreement.                                    

   Accruals on derivatives are generally recorded in accrued investment income
or within other liabilities. However, accruals that are not scheduled to    
settle within one year are included with the derivatives carrying value in  
other invested assets or other liabilities.                                 

If a derivative is not designated as an accounting hedge or its use in  
 managing risk does not qualify for hedge accounting, changes in the estimated
fair value of the derivative are reported in net derivative gains (losses)  
except as follows:                                                          

------------------------------------------------------------------------------- 
Statement of Operations Presentation:    Derivative:                        
------------------------------------------------------------------------------- 
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.                                     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

.  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.                                

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).                                                  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Embedded Derivatives                                                        

  The Company sells variable annuities and issues certain insurance products
and investment contracts and is a party to certain reinsurance agreements   
 that have embedded derivatives. The Company assesses each identified embedded
 derivative to determine whether it is required to be bifurcated. The embedded
derivative is bifurcated from the host contract and accounted for as a      
freestanding derivative if:                                                 

.  the combined instrument is not accounted for in its entirety at fair   
value with changes in fair value recorded in earnings;              
 .  the terms of the embedded derivative are not clearly and closely related
to the economic characteristics of the host contract; and           
.  a separate instrument with the same terms as the embedded derivative   
would qualify as a derivative instrument.                           

Such embedded derivatives are carried in the balance sheets at estimated
fair value with the host contract and changes in their estimated fair value 
are generally reported in net derivative gains (losses). If the Company is  
 unable to properly identify and measure an embedded derivative for separation
from its host contract, the entire contract is carried on the balance sheet 
at estimated fair value, with changes in estimated fair value recognized in 
 the current period in net investment gains (losses) or net investment income.
Additionally, the Company may elect to carry an entire contract on the      
balance sheet at estimated fair value, with changes in estimated fair value 
recognized in the current period in net investment gains (losses) or net    
investment income if that contract contains an embedded derivative that     
requires bifurcation. At inception, the Company attributes to the embedded  
derivative a portion of the projected future guarantee fees to be collected 
from the policyholder equal to the present value of projected future        
guaranteed benefits. Any additional fees represent "excess" fees and are    
reported in universal life and investment-type product policy fees.         

Fair Value                                                                    

Fair value is defined as the price that would be received to sell an asset
or paid to transfer a liability (an exit price) in the principal or most      
advantageous market for the asset or liability in an orderly transaction      
between market participants on the measurement date. In most cases, the exit  
price and the transaction (or entry) price will be the same at initial        
recognition.                                                                  

Subsequent to initial recognition, fair values are based on unadjusted    
quoted prices for identical assets or liabilities in active markets that are  
readily and regularly obtainable. When such quoted prices are not available,  
fair values are based on quoted prices in markets that are not active, quoted 
prices for similar but not identical assets or liabilities, or other          
observable inputs. If these inputs are not available, or observable inputs are
not determinable, unobservable inputs and/or adjustments to observable inputs 
requiring management judgment are used to determine the estimated fair value  
of assets and liabilities.                                                    

Employee Benefit Plans                                                        

Pension, postretirement and postemployment benefits are provided to         
associates under plans sponsored and administered by MLIC, an affiliate of the  
Company. The Company's obligation and expense related to these benefits is      
limited to the amount of associated expense allocated from MLIC.                

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Income Tax                                                                    

MetLife Investors USA Insurance Company joined with MetLife and its       
includable subsidiaries in filing a consolidated U.S. life and non-life       
federal income tax return in accordance with the provisions of the Internal   
Revenue Code of 1986, as amended. Current taxes (and the benefits of tax      
attributes such as losses) are allocated to the Company under the consolidated
tax return regulations and a tax sharing agreement. Under the consolidated tax
return regulations, MetLife has elected the "percentage method" (and 100      
percent under such method) of reimbursing companies for tax attributes such as
losses. As a result, 100 percent of tax attributes such as losses are         
reimbursed by MetLife to the extent that consolidated federal income tax of   
the consolidated federal tax return group is reduced in a year by tax         
attributes such as losses. Profitable subsidiaries pay to MetLife each year   
the federal income tax which such profitable subsidiary would have paid that  
year based upon that year's taxable income. If the Company has current or     
prior deductions and credits (including but not limited to losses) which      
reduce the consolidated tax liability of the consolidated federal tax return  
group, the deductions and credits are characterized as realized (or           
realizable) by the Company when those tax attributes are realized (or         
realizable) by the consolidated federal tax return group, even if the Company 
would not have realized the attributes on a stand-alone basis under a "wait   
and see" method.                                                              

The Company's accounting for income taxes represents management's best    
estimate of various events and transactions.                                  

Deferred tax assets and liabilities resulting from temporary differences  
between the financial reporting and tax bases of assets and liabilities are   
measured at the balance sheet date using enacted tax rates expected to apply  
to taxable income in the years the temporary differences are expected to      
reverse.                                                                      

The realization of deferred tax assets depends upon the existence of      
sufficient taxable income within the carryback or carryforward periods under  
the tax law in the applicable tax jurisdiction. Valuation allowances are      
established when management determines, based on available information, that  
it is more likely than not that deferred income tax assets will not be        
realized. Factors in management's determination include the performance of the
business and its ability to generate capital gains. Significant judgment is   
required in determining whether valuation allowances should be established, as
well as the amount of such allowances. When making such determination,        
consideration is given to, among other things, the following:                 

.  future taxable income exclusive of reversing temporary differences and   
carryforwards;                                                        
.  future reversals of existing taxable temporary differences;              
.  taxable income in prior carryback years; and                             
.  tax planning strategies.                                                 

The Company may be required to change its provision for income taxes in   
certain circumstances. Examples of such circumstances include when estimates  
used in determining valuation allowances on deferred tax assets significantly 
change or when receipt of new information indicates the need for adjustment in
valuation allowances. Additionally, future events, such as changes in tax     
laws, tax regulations, or interpretations of such laws or regulations, could  
have an impact on the provision for income tax and the effective tax rate. Any
such changes could significantly affect the amounts reported in the financial 
statements in the year these changes occur.                                   

The Company determines whether it is more likely than not that a tax      
position will be sustained upon examination by the appropriate taxing         
authorities before any part of the benefit can be recorded in the financial   
statements. A tax position is measured at the largest amount of benefit that  
is greater than 50% likely of being                                           

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

realized upon settlement. Unrecognized tax benefits due to tax uncertainties  
that do not meet the threshold are included within other liabilities and are  
charged to earnings in the period that such determination is made.            

  The Company classifies interest recognized as interest expense and penalties
recognized as a component of income tax.                                      

Litigation Contingencies                                                      

The Company is a party to a number of legal actions and is involved in a  
number of regulatory investigations. Given the inherent unpredictability of   
these matters, it is difficult to estimate the impact on the Company's        
financial position. Liabilities are established when it is probable that a    
loss has been incurred and the amount of the loss can be reasonably estimated.
Legal costs are recognized as incurred. On an annual basis, the Company       
reviews relevant information with respect to liabilities for litigation,      
regulatory investigations and litigation-related contingencies to be reflected
in the Company's financial statements.                                        

Other Accounting Policies                                                     

Cash and Cash Equivalents                                                   

The Company considers all highly liquid securities and other investments
purchased with an original or remaining maturity of three months or less at 
the date of purchase to be cash equivalents. Cash equivalents are stated at 
amortized cost, which approximates estimated fair value.                    

Computer Software                                                           

Computer software, which is included in other assets, is stated at cost,
less accumulated amortization. Purchased software costs, as well as certain 
internal and external costs incurred to develop internal-use computer       
software during the application development stage, are capitalized. Such    
 costs are amortized generally over a four-year period using the straight-line
 method. The cost basis of computer software was $122 million and $109 million
at December 31, 2013 and 2012, respectively. Accumulated amortization of    
 capitalized software was $35 million and $32 million at December 31, 2013 and
2012, respectively. Related amortization expense was $3 million, $2 million 
and $12 million for the years ended December 31, 2013, 2012 and 2011,       
respectively.                                                               

Other Revenues                                                              

Other revenues include fees on reinsurance financing agreements and     
advisory fees. Such fees are recognized in the period in which services are 
performed.                                                                  

Foreign Currency                                                            

 The results of foreign investments in other limited partnership interests
are recorded based on the functional currency of each investment. Net assets
of the foreign investments are translated from the functional currency to   
U.S. dollars at the exchange rates in effect at each year-end and the       
proportionate shares of net income from the foreign investments 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.                           

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

Adoption of New Accounting Pronouncements                                       

Effective July 17, 2013, the Company adopted new guidance regarding         
derivatives that permits the Fed Funds Effective Swap Rate (or Overnight Index  
Swap Rate) to be used as a U.S. benchmark interest rate for hedge accounting    
purposes, in addition to the United States Treasury and London Interbank        
Offered Rate ("LIBOR"). Also, this new guidance removes the restriction on      
using different benchmark rates for similar hedges. The new guidance did not    
have a material impact on the financial statements upon adoption, but may       
impact the selection of benchmark interest rates for hedging relationships in   
the future.                                                                     

Effective January 1, 2013, the Company adopted new guidance regarding       
comprehensive income that requires an entity to provide information about the   
amounts reclassified out of accumulated OCI ("AOCI") by component. In addition, 
an entity is required to present, either on the face of the statement where net 
income is presented or in the notes, significant amounts reclassified out of    
AOCI by the respective line items of net income but only if the amount          
reclassified is required under GAAP to be reclassified to net income in its     
entirety in the same reporting period. For other amounts that are not required  
under GAAP to be reclassified in their entirety to net income, an entity is     
required to cross-reference to other disclosures required under GAAP that       
provide additional detail about those amounts. The adoption was prospectively   
applied and resulted in additional disclosures in Note 9.                       

 Effective January 1, 2013, the Company adopted new guidance regarding balance
sheet offsetting disclosures which requires an entity to disclose information   
about offsetting and related arrangements for derivatives, including bifurcated 
embedded derivatives, repurchase and reverse repurchase agreements, and         
securities borrowing and lending transactions, to enable users of its financial 
statements to understand the effects of those arrangements on its financial     
position. Entities are required to disclose both gross information and net      
information about both instruments and transactions eligible for offset in the  
statement of financial position and instruments and transactions subject to an  
agreement similar to a master netting arrangement. The adoption was             
retrospectively applied and resulted in additional disclosures related to       
derivatives in Note 6.                                                          

 On January 1, 2012, the Company adopted new guidance regarding accounting for
DAC, which was retrospectively applied. The guidance specifies that only costs  
related directly to successful acquisition of new or renewal contracts can be   
capitalized as DAC; all other acquisition-related costs must be expensed as     
incurred. As a result, certain sales manager compensation and administrative    
costs previously capitalized by the Company will no longer be deferred.         

On January 1, 2012, the Company adopted new guidance regarding comprehensive
income, which was retrospectively applied, that provides companies with the     
option to present the total of comprehensive income, components of net income,  
and the components of OCI either in a single continuous statement of            
comprehensive income or in two separate but consecutive statements in annual    
financial statements. The standard eliminates the option to present components  
of OCI as part of the statement of changes in stockholder's equity. The Company 
adopted the two-statement approach for annual financial statements.             

Effective January 1, 2012, the Company adopted new guidance regarding fair  
value measurements that establishes common requirements for measuring fair      
value and for disclosing information about fair value measurements in           
accordance with GAAP and International Financial Reporting Standards. Some of   
the amendments clarify the Financial Accounting Standards Board's ("FASB")      
intent on the application of existing                                           

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

1. Business, Basis of Presentation and Summary of Significant Accounting        
Policies (continued)                                                            

fair value measurement requirements. Other amendments change a particular       
principle or requirement for measuring fair value or for disclosing information 
about fair value measurements. The adoption did not have a material impact on   
the Company's financial statements other than the expanded disclosures in Note  
7.                                                                              

Future Adoption of New Accounting Pronouncements                                

In February 2013, the FASB issued new guidance regarding liabilities        
(Accounting Standards Update 2013-04, Liabilities (Topic 405): Obligations      
Resulting from Joint and Several Liability Arrangements for Which the Total     
Amount of the Obligation Is Fixed at the Reporting Date), effective             
retrospectively for fiscal years beginning after December 15, 2013 and interim  
periods within those years. The amendments require an entity to measure         
obligations resulting from joint and several liability arrangements for which   
the total amount of the obligation within the scope of the guidance is fixed at 
the reporting date, as the sum of the amount the reporting entity agreed to pay 
on the basis of its arrangement among its co-obligors and any additional amount 
the reporting entity expects to pay on behalf of its co-obligors. In addition,  
the amendments require an entity to disclose the nature and amount of the       
obligation, as well as other information about the obligation. The Company does 
not expect the adoption of this new guidance to have a material impact on its   
financial statements.                                                           

2. Insurance                                                                    

Insurance Liabilities                                                           

Future policy benefits are measured as follows:                             

Product Type:                      Measurement Assumptions:               
------------------------------------------------------------------------- 
Participating life                 Aggregate of net level premium         
                            reserves for death and endowment
                             policy benefits (calculated based
                                 upon the non-forfeiture interest rate
                                 of 4%, and mortality rates guaranteed
                             in calculating the cash surrender
                                values described in such contracts).
------------------------------------------------------------------------- 
Nonparticipating life              Aggregate of the present value of      
                                expected future benefit payments and
                             related expenses less the present
                        value of expected future net
                                 premiums. Assumptions as to mortality
                              and persistency are based upon the
                               Company's experience when the basis
                            of the liability is established.
                             Interest rate assumptions for the
                           aggregate future policy benefit
                            liabilities range from 3% to 7%.
------------------------------------------------------------------------- 
Traditional fixed annuities after  Present value of expected future       
annuitization                      payments. Interest rate assumptions    
                                 used in establishing such liabilities
                range from 4% to 8%.

Participating business represented 3% and 2% of the Company's life insurance
in-force at December 31, 2013 and 2012, respectively. Participating policies    
represented 35%, 27% and 12% of gross life insurance premiums for the years     
ended December 31, 2013, 2012 and 2011, respectively.                           

PABs are equal to: (i) policy account values, which consist of an           
accumulation of gross premium payments; and (ii) credited interest, ranging     
from 1% to 8%, less expenses, mortality charges and withdrawals.                

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

2. Insurance (continued)                                                        

Guarantees                                                                      

The Company issues variable annuity products with guaranteed minimum        
benefits. The non-life contingent portion of GMWBs and the portion of certain   
GMIBs that does not require annuitization are accounted for as embedded         
derivatives in PABs and are further discussed in Note 6. Guarantees accounted   
for as insurance liabilities include:                                           

Guarantee:                               Measurement Assumptions:             
------------------------------------------------------------------------------
GMDBs  .  A return of purchase        .  Present value of expected death      
        payment upon death even if     benefits in excess of the projected
    the account value is           account balance recognizing the
         reduced to zero.               excess ratably over the accumulation
                                        period based on the present value of
                               total expected assessments.
 .  An enhanced death benefit   .  Assumptions are consistent with
       may be available for an        those used for amortizing DAC, and
 additional fee.                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    .  Present value of expected income     
        of time determined at the      benefits in excess of the projected
       time of issuance of the        account balance at any future date
         variable annuity contract,     of annuitization and recognizing the
         a minimum accumulation of      excess ratably over the accumulation
     purchase payments, even if     period based on present value of
the account value is           total expected assessments.
reduced to zero, that can                                 
be annuitized to receive a                                
monthly income stream that                                
is not less than a                                        
specified amount.                                         
 .  Certain contracts also      .  Assumptions are consistent with
   provide for a guaranteed       those used for estimating GMDB
lump sum return of             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        .  Expected value of the life           
     payment via partial            contingent payments and expected
  withdrawals, even if the       assessments using assumptions
   account value is reduced       consistent with those used for
     to zero, provided that         estimating the GMDB liabilities.
cumulative withdrawals in                                 
a contract year do not                                    
exceed a certain limit.                                   

.  Certain contracts include                                    
guaranteed withdrawals                                    
that are life contingent.                                 

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

2. 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        
                              Annuity Contracts     Life Contracts            
                              ----------------- ----------------------        
                                                      Secondary               
                                GMDBs    GMIBs        Guarantees         Total
                              -------  -------  ---------------------- -------
                                              (In millions)                   
                                                                              
Direct                                                                        
Balance at January 1, 2011...   $  73     $281                  $  470  $  824
Incurred guaranteed benefits.      77      128                     139     344
Paid guaranteed benefits.....    (18)       --                      --    (18)
                              -------  -------  ---------------------- -------
Balance at December 31, 2011.     132      409                     609   1,150
Incurred guaranteed benefits.     102      402                     269     773
Paid guaranteed benefits.....    (21)       --                      --    (21)
                              -------  -------  ---------------------- -------
Balance at December 31, 2012.     213      811                     878   1,902
Incurred guaranteed benefits.     144      127                     312     583
Paid guaranteed benefits.....    (13)       --                      --    (13)
                              -------  -------  ---------------------- -------
Balance at December 31, 2013.   $ 344     $938                  $1,190  $2,472
                              =======  =======  ====================== =======
Ceded                                                                         
Balance at January 1, 2011...   $  73     $ 97                  $  334  $  504
Incurred guaranteed benefits.      77       44                     123     244
Paid guaranteed benefits.....    (18)       --                      --    (18)
                              -------  -------  ---------------------- -------
Balance at December 31, 2011.     132      141                     457     730
Incurred guaranteed benefits.     102      140                     224     466
Paid guaranteed benefits.....    (21)       --                      --    (21)
                              -------  -------  ---------------------- -------
Balance at December 31, 2012.     213      281                     681   1,175
Incurred guaranteed benefits.     144       44                     260     448
Paid guaranteed benefits.....    (13)       --                      --    (13)
                              -------  -------  ---------------------- -------
Balance at December 31, 2013.   $ 344     $325                  $  941  $1,610
                              =======  =======  ====================== =======
Net                                                                           
Balance at January 1, 2011...   $  --     $184                  $  136  $  320
Incurred guaranteed benefits.      --       84                      16     100
Paid guaranteed benefits.....      --       --                      --      --
                              -------  -------  ---------------------- -------
Balance at December 31, 2011.      --      268                     152     420
Incurred guaranteed benefits.      --      262                      45     307
Paid guaranteed benefits.....      --       --                      --      --
                              -------  -------  ---------------------- -------
Balance at December 31, 2012.      --      530                     197     727
Incurred guaranteed benefits.      --       83                      52     135
Paid guaranteed benefits.....      --       --                      --      --
                              -------  -------  ---------------------- -------
Balance at December 31, 2013.   $  --     $613                  $  249  $  862
                              =======  =======  ====================== =======

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

2. Insurance (continued)                                                        

Account balances of contracts with insurance guarantees were invested in    
separate account asset classes as follows at:                                   

                                                                [Download Table]

                    December 31,    
                 -------------------
                   2013      2012   
                 --------- ---------
                    (In millions)   
                                    
Fund Groupings:                     
Balanced........ $  39,626 $  35,569
Equity..........    36,676    29,557
Bond............     3,407     3,749
Money Market....       448       527
                 --------- ---------
 Total.......... $  80,157 $  69,402
                 ========= =========

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 4 for a discussion of certain   
living and death benefit guarantees which have been reinsured. Therefore, the 
NARs presented below reflect the economic exposures of living and death       
benefit guarantees associated with variable annuities, but not necessarily    
their impact on the Company.                                                  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

2. Insurance (continued)                                                        

 Information regarding the types of guarantees relating to annuity contracts
and universal and variable life contracts was as follows at:                  

                                                        [Enlarge/Download Table]

                                                               December 31,                       
                                         ---------------------------------------------------------
                                                     2013                         2012            
                                         ---------------------------- ----------------------------
                                             In the          At           In the          At      
                                         Event of Death Annuitization Event of Death Annuitization
                                         -------------- ------------- -------------- -------------
                                                               (In millions)                      
                                                                                                  
Annuity Contracts (1)                                                                             
Variable Annuity Guarantees                                                                       
Total contract account value............  $    84,964    $    57,041   $    74,156    $    51,411 
Separate account value..................  $    82,428    $    55,805   $    71,446    $    49,778 
Net amount at risk......................  $     1,324    $       562   $     1,976    $     2,316 
Average attained age of contractholders.     65 years       64 years      64 years       63 years 

                                                                [Download Table]

                                                   December 31,      
                                              -----------------------
                                                 2013        2012    
                                              ----------- -----------
                                               Secondary Guarantees  
                                              -----------------------
                                                   (In millions)     
                                                                     
Universal and Variable Life Contracts (1)                            
Account value (general and separate account). $     4,207 $     3,659
Net amount at risk........................... $    71,699 $    65,938
Average attained age of policyholders........    56 years    56 years

--------                                                                        

(1)The Company's annuity and life contracts with guarantees may offer more than 
 one type of guarantee in each contract. Therefore, the amounts listed above
may not be mutually exclusive.                                            

Obligations Under Funding Agreements                                            

MLI-USA is a member of the Federal Home Loan Bank ("FHLB") of Pittsburgh.   
Holdings of the FHLB of Pittsburgh common stock, included in equity securities, 
were as follows at:                                                             

                                                                [Download Table]

                    December 31, 
                    ------------ 
                    2013    2012 
                    ----    ---- 
                    (In millions)
                                 
FHLB of Pittsburgh.  $20     $11 

The Company has also entered into funding agreements with the FHLB of       
Pittsburgh. The liability for such funding agreements is included in PABs.      
Information related to such funding agreements was as follows at:               

                                                                [Download Table]

                            Liability        Collateral    
                        ----------------- -----------------
                                   December 31,            
                        -----------------------------------
                            2013     2012     2013     2012
                        -------- -------- -------- --------
                                   (In millions)           
                                                           
FHLB of Pittsburgh (1).     $200      $-- $602 (2) $595 (2)

--------                                                                        

(1)Represents funding agreements issued to the FHLB of Pittsburgh in exchange   
for cash and for which the FHLB of Pittsburgh has been granted a lien on  
certain assets, some of which are in the custody of the FHLB              

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

2. Insurance (continued)                                                        

  of Pittsburgh, including residential mortgage-backed securities ("RMBS"), to
collateralize obligations under advances evidenced by funding agreements. 
The Company is permitted to withdraw any portion of the collateral in the 
custody of the FHLB of Pittsburgh as long as there is no event of default 
and the remaining qualified collateral is sufficient to satisfy the       
 collateral maintenance level. Upon any event of default by the Company, the
 FHLB of Pittsburgh's recovery on the collateral is limited to the amount of
the Company's liability to the FHLB of Pittsburgh.                        

(2)Advances are collateralized by mortgage-backed securities. The amount of     
collateral presented is at estimated fair value.                          

Separate Accounts                                                               

Separate account assets and liabilities primarily include pass-through      
separate accounts totaling $81.6 billion and $70.7 billion at December 31, 2013 
and 2012, respectively, for which the policyholder assumes all investment risk. 

For the years ended December 31, 2013, 2012 and 2011, there were no         
investment gains (losses) on transfers of assets from the general account to    
the separate accounts.                                                          

3. Deferred Policy Acquisition Costs and Other Policy-Related Intangibles       

See Note 1 for a description of capitalized acquisition costs.              

Nonparticipating and Non-Dividend-Paying Traditional Contracts                  

The Company amortizes DAC 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, 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 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                                                         

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

3. Deferred Policy Acquisition Costs and Other Policy-Related Intangibles       
(continued)                                                                     

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 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       
amortization. Each reporting period, the Company updates the estimated gross    
profits with the actual gross profits for that period. When the actual gross    
profits change from previously estimated gross profits, the cumulative DAC      
amortization is re-estimated and adjusted by a cumulative charge or credit to   
current operations. When actual gross profits exceed those previously           
estimated, the DAC amortization will increase, resulting in a current period    
charge to earnings. The opposite result occurs when the actual gross profits    
are below the previously estimated gross profits. Each reporting period, the    
Company also updates the actual amount of business remaining in-force, which    
impacts expected future gross profits. When expected future gross profits are   
below those previously estimated, the DAC amortization will increase, resulting 
in a current period charge to earnings. The opposite result occurs when the     
expected future gross profits are above the previously estimated expected       
future gross profits. Each period, the Company also reviews the estimated gross 
profits for each block of business to determine the recoverability of DAC       
balances.                                                                       

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. 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.                                         

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

3. Deferred Policy Acquisition Costs and Other Policy-Related Intangibles       
(continued)                                                                     

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 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 is written  
off immediately through income and any new deferrable costs associated with the 
replacement contract are deferred. If the modification does not substantially   
change the contract, the DAC amortization on the original contract will         
continue and any acquisition costs associated with the related modification are 
expensed.                                                                       

Amortization of DAC is attributed to net investment gains (losses) and net  
derivative gains (losses), and to other expenses for the amount of gross        
margins or profits originating from transactions other than investment gains    
and losses. Unrealized investment gains and losses represent the amount of DAC  
that would have been amortized if such gains and losses had been recognized.    

Information regarding DAC was as follows:                                   

                                                        [Enlarge/Download Table]

                                                                   Years Ended December 31, 
                                                                  --------------------------
                                                                    2013     2012     2011  
                                                                  -------- -------- --------
                                                                        (In millions)       
                                                                                            
DAC                                                                                         
Balance at January 1,............................................ $  2,906 $  2,918 $  2,346
Capitalizations..................................................      476      821    1,274
Amortization related to:                                                                    
 Net investment gains (losses) and net derivative gains (losses).      461    (366)    (290)
 Other expenses..................................................    (391)    (472)    (411)
                                                                  -------- -------- --------
   Total amortization............................................       70    (838)    (701)
                                                                  -------- -------- --------
Unrealized investment gains (losses).............................       34        5      (1)
Other (1)........................................................      138       --       --
                                                                  -------- -------- --------
Balance at December 31,.......................................... $  3,624 $  2,906 $  2,918
                                                                  ======== ======== ========

--------                                                                        

(1)The year ended December 31, 2013 includes $138 million that was reclassified 
to DAC from premiums, reinsurance and other receivables. The amounts      
reclassified relate to an affiliated reinsurance agreement accounted for  
  using the deposit method of accounting and represent the DAC amortization on
 the expense allowances ceded on the agreement from inception. These amounts
were previously included in the calculated value of the deposit receivable
on this agreement and recorded within premiums, reinsurance and other     
receivables.                                                              

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

3. Deferred Policy Acquisition Costs and Other Policy-Related Intangibles       
(continued)                                                                     

Information regarding other policy-related intangibles was as follows:      

                                                                [Download Table]

                            Years Ended December 31,
                            ------------------------
                             2013     2012    2011  
                             ------  ------  ------ 
                               (In millions)        
                                                    
Deferred Sales Inducements                          
Balance at January 1,...... $  478   $  503  $  497 
Capitalization.............      5       20      79 
Amortization...............   (34)     (45)    (73) 
                             ------  ------  ------ 
Balance at December 31,.... $  449   $  478  $  503 
                             ======  ======  ====== 
VODA                                                
Balance at January 1,...... $  130   $  140  $  148 
Amortization...............   (11)     (10)     (8) 
                             ------  ------  ------ 
Balance at December 31,.... $  119   $  130  $  140 
                             ======  ======  ====== 
Accumulated amortization... $   48   $   37  $   27 
                             ======  ======  ====== 

The estimated future amortization expense to be reported in other expenses  
for the next five years is as follows:                                          

                                                                [Download Table]

          VODA     
      -------------
      (In millions)
                   
2014.    $    12   
2015.    $    12   
2016.    $    12   
2017.    $    11   
2018.    $     9   

4. 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 an affiliate. The Company     
participates in reinsurance activities in order to limit losses, minimize       
exposure to significant risks and provide additional capacity for future growth.

Accounting for reinsurance requires extensive use of assumptions and        
estimates, particularly related to the future performance of the underlying     
business and the potential impact of counterparty credit risks. The Company     
periodically reviews actual and anticipated experience compared to the          
aforementioned assumptions used to establish assets and liabilities relating to 
ceded and assumed reinsurance and evaluates the financial strength of           
counterparties to its reinsurance agreements using criteria similar to that     
evaluated in the security impairment process discussed in Note 5.               

The Company currently reinsures 100% of the living and death benefit        
guarantees issued in connection with its variable annuities to affiliated       
reinsurers. Under these reinsurance agreements, the Company pays a reinsurance  
premium generally based on fees associated with the guarantees collected from   
policyholders and receives reimbursement for benefits paid or accrued in excess 
of account values, subject to certain limitations. The Company also reinsures   
90% of its fixed annuities to an affiliated reinsurer. The value of the embedded

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

4. Reinsurance (continued)                                                      

derivatives on the ceded risk is determined using a methodology consistent with 
the guarantees directly written by the Company with the exception of the input  
for nonperformance risk that reflects the credit of the reinsurer.              

For its individual life insurance products, the Company has historically    
reinsured the mortality risk primarily on an excess of retention basis or on a  
quota share basis. The Company currently reinsures 100% of the mortality risk   
in excess of $100,000 per life for most new policies and reinsures up to 100%   
of the mortality risk for certain other policies. In addition to reinsuring     
mortality risk as described above, the Company reinsures other risks, as well   
as specific coverages. Placement of reinsurance is done primarily on an         
automatic basis and also on a facultative basis for risks with specified        
characteristics. The Company also reinsures the risk associated with secondary  
death benefit guarantees on certain universal life insurance policies to        
affiliates. The Company evaluates its reinsurance programs routinely and may    
increase or decrease its retention at any time.                                 

The Company has exposure to catastrophes, which could contribute to         
significant fluctuations in the Company's results of operations. The Company    
uses excess of retention and quota share reinsurance agreements to provide      
greater diversification of risk and minimize exposure to larger risks.          

The Company reinsures its business through a diversified group of           
well-capitalized reinsurers. The Company analyzes recent trends in arbitration  
and litigation outcomes in disputes, if any, with its reinsurers. The Company   
monitors ratings and evaluates the financial strength of its reinsurers by      
analyzing their financial statements. In addition, the reinsurance recoverable  
balance due from each reinsurer is evaluated as part of the overall monitoring  
process. Recoverability of reinsurance recoverable balances is evaluated based  
on these analyses. The Company generally secures large reinsurance recoverable  
balances with various forms of collateral, including secured trusts and funds   
withheld accounts. These reinsurance recoverable balances are stated net of     
allowances for uncollectible reinsurance, which at December 31, 2013 and 2012,  
were not significant.                                                           

 The Company has secured certain reinsurance recoverable balances with various
forms of collateral, including secured trusts and funds withheld accounts. The  
Company had $475 million and $386 million of unsecured unaffiliated reinsurance 
recoverable balances at December 31, 2013 and 2012, respectively.               

At December 31, 2013, the Company had $635 million of net unaffiliated ceded
reinsurance recoverables. Of this total, $559 million, or 88%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $399 million of 
net unaffiliated ceded reinsurance recoverables which were unsecured. At        
December 31, 2012, the Company had $541 million of net unaffiliated ceded       
reinsurance recoverables. Of this total, $478 million, or 88%, were with the    
Company's five largest unaffiliated ceded reinsurers, including $323 million of 
net unaffiliated ceded reinsurance recoverables which were unsecured.           

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

4. Reinsurance (continued)                                                      

The amounts in the consolidated statements of operations include the impact 
of reinsurance. Information regarding the significant effects of reinsurance    
was as follows:                                                                 

                                                        [Enlarge/Download Table]

                                                                Years Ended December 31, 
                                                               --------------------------
                                                                 2013     2012     2011  
                                                               -------- -------- --------
                                                                     (In millions)       
                                                                                         
Premiums                                                                                 
Direct premiums............................................... $  1,019 $    941 $    961
Reinsurance assumed...........................................       10       11        7
Reinsurance ceded.............................................    (696)    (524)    (321)
                                                               -------- -------- --------
 Net premiums................................................. $    333 $    428 $    647
                                                               ======== ======== ========
Universal life and investment-type product policy fees                                   
Direct universal life and investment-type product policy fees. $  2,475 $  2,167 $  1,694
Reinsurance assumed...........................................       79       83       90
Reinsurance ceded.............................................    (863)    (665)    (496)
                                                               -------- -------- --------
 Net universal life and investment-type product policy fees... $  1,691 $  1,585 $  1,288
                                                               ======== ======== ========
Other revenues                                                                           
Direct other revenues......................................... $    170 $    137 $     99
Reinsurance assumed...........................................       --       --       --
Reinsurance ceded.............................................      252      190      215
                                                               -------- -------- --------
 Net other revenues........................................... $    422 $    327 $    314
                                                               ======== ======== ========
Policyholder benefits and claims                                                         
Direct policyholder benefits and claims....................... $  1,650 $  1,799 $  1,363
Reinsurance assumed...........................................       10       19       15
Reinsurance ceded.............................................  (1,089)  (1,016)    (599)
                                                               -------- -------- --------
 Net policyholder benefits and claims......................... $    571 $    802 $    779
                                                               ======== ======== ========
Interest credited to policyholder account balances                                       
Direct interest credited to policyholder account balances..... $    465 $    454 $    436
Reinsurance assumed...........................................       73       71       68
Reinsurance ceded.............................................    (119)    (104)     (80)
                                                               -------- -------- --------
 Net interest credited to policyholder account balances....... $    419 $    421 $    424
                                                               ======== ======== ========
Other expenses                                                                           
Direct other expenses......................................... $    974 $  1,796 $  1,495
Reinsurance assumed...........................................       28       33       48
Reinsurance ceded.............................................       37       99      145
                                                               -------- -------- --------
 Net other expenses........................................... $  1,039 $  1,928 $  1,688
                                                               ======== ======== ========

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

4. Reinsurance (continued)                                                      

The amounts in the consolidated balance sheets include the impact of        
reinsurance. Information regarding the significant effects of reinsurance was   
as follows at:                                                                  

                                                        [Enlarge/Download Table]

                                                              December 31,                              
                                 -----------------------------------------------------------------------
                                                2013                                2012                
                                 ----------------------------------- -----------------------------------
                                                             Total                               Total  
                                                            Balance                             Balance 
                                  Direct  Assumed   Ceded    Sheet    Direct  Assumed   Ceded    Sheet  
                                 -------- -------- -------- -------- -------- -------- -------- --------
                                                              (In millions)                             
                                                                                                        
Assets                                                                                                  
Premiums, reinsurance and other                                                                         
 receivables.................... $   (12) $     27 $ 12,453 $ 12,468 $     84 $     35 $ 14,373 $ 14,492
Deferred policy acquisition                                                                             
 costs..........................    4,084      122    (582)    3,624    3,429      121    (644)    2,906
                                 -------- -------- -------- -------- -------- -------- -------- --------
  Total assets.................. $  4,072 $    149 $ 11,871 $ 16,092 $  3,513 $    156 $ 13,729 $ 17,398
                                 ======== ======== ======== ======== ======== ======== ======== ========
Liabilities                                                                                             
Other policy-related balances... $    185 $  1,653 $    811 $  2,649 $    164 $  1,588 $    855 $  2,607
Other liabilities...............      316        9    5,471    5,796      282       10    5,097    5,389
                                 -------- -------- -------- -------- -------- -------- -------- --------
  Total liabilities............. $    501 $  1,662 $  6,282 $  8,445 $    446 $  1,598 $  5,952 $  7,996
                                 ======== ======== ======== ======== ======== ======== ======== ========

Reinsurance agreements that do not expose the Company to a reasonable       
possibility of a significant loss from insurance risk are recorded using the    
deposit method of accounting. The deposit assets on reinsurance were            
$4.0 billion and $4.2 billion at December 31, 2013 and 2012, respectively.      
There were no deposit liabilities on reinsurance at both December 31, 2013 and  
2012.                                                                           

Related Party Reinsurance Transactions                                          

The Company has reinsurance agreements with certain MetLife subsidiaries,   
including Metropolitan Life Insurance Company ("MLIC"), Exeter, General         
American Life Insurance Company, MICC, MetLife Reinsurance Company of Vermont   
and MetLife Reinsurance Company of Delaware ("MRD"), all of which are related   
parties.                                                                        

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

4. 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,
                                                             ------------------------
                                                              2013     2012    2011  
                                                              ------  ------  ------ 
                                                                (In millions)        
                                                                                     
Premiums                                                                             
Reinsurance assumed......................................... $   10   $   11  $    7 
Reinsurance ceded...........................................  (637)    (477)   (284) 
                                                              ------  ------  ------ 
 Net premiums............................................... $(627)   $(466)  $(277) 
                                                              ======  ======  ====== 
Universal life and investment-type product policy fees                               
Reinsurance assumed......................................... $   79   $   83  $   90 
Reinsurance ceded...........................................  (735)    (555)   (416) 
                                                              ------  ------  ------ 
 Net universal life and investment-type product policy fees. $(656)   $(472)  $(326) 
                                                              ======  ======  ====== 
Other revenues                                                                       
Reinsurance assumed......................................... $   --   $   --  $   -- 
Reinsurance ceded...........................................    252      190     215 
                                                              ------  ------  ------ 
 Net other revenues......................................... $  252   $  190  $  215 
                                                              ======  ======  ====== 
Policyholder benefits and claims                                                     
Reinsurance assumed......................................... $   10   $   19  $   15 
Reinsurance ceded...........................................  (875)    (833)   (497) 
                                                              ------  ------  ------ 
 Net policyholder benefits and claims....................... $(865)   $(814)  $(482) 
                                                              ======  ======  ====== 
Interest credited to policyholder account balances                                   
Reinsurance assumed......................................... $   73   $   71  $   68 
Reinsurance ceded...........................................  (119)    (104)    (80) 
                                                              ------  ------  ------ 
 Net interest credited to policyholder account balances..... $ (46)   $ (33)  $ (12) 
                                                              ======  ======  ====== 
Other expenses                                                                       
Reinsurance assumed......................................... $   28   $   33  $   48 
Reinsurance ceded...........................................     35       98     144 
                                                              ------  ------  ------ 
 Net other expenses......................................... $   63   $  131  $  192 
                                                              ======  ======  ====== 

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

4. Reinsurance (continued)                                                      

Information regarding the significant effects of affiliated reinsurance     
included in the consolidated balance sheets was as follows at:                  

                                                                [Download Table]

                                                         December 31,             
                                             -------------------------------------
                                                    2013               2012       
                                             ------------------ ------------------
                                             Assumed    Ceded   Assumed    Ceded  
                                             -------- --------- -------- ---------
                                                         (In millions)            
                                                                                  
Assets                                                                            
Premiums, reinsurance and other receivables. $     27 $  11,792 $     35 $  13,801
Deferred policy acquisition costs...........      122     (579)      121     (642)
                                             -------- --------- -------- ---------
 Total assets............................... $    149 $  11,213 $    156 $  13,159
                                             ======== ========= ======== =========
Liabilities                                                                       
Other policy-related balances............... $  1,653 $     811 $  1,588 $     855
Other liabilities...........................        9     5,284       10     4,910
                                             -------- --------- -------- ---------
 Total liabilities.......................... $  1,662 $   6,095 $  1,598 $   5,765
                                             ======== ========= ======== =========

Effective October 1, 2012, the Company entered into a reinsurance agreement 
to cede two blocks of business to MRD, on a 90% coinsurance with funds withheld 
basis. The agreement covers certain term and certain universal life policies    
issued in 2012 by the Company and was amended in 2013 to include certain term   
and universal life policies issued by the Company through December 31, 2013.    
The agreement transfers risk to MRD and, therefore, is accounted for as         
reinsurance. As a result of the agreement, affiliated reinsurance recoverables, 
included in premiums, reinsurance and other receivables, were $917 million and  
$407 million at December 31, 2013 and 2012, respectively. The Company also      
recorded a funds withheld liability and other reinsurance payables, included in 
other liabilities, which were $798 million and $438 million at December 31,     
2013 and 2012, respectively. Certain contractual features of this agreement     
qualify as embedded derivatives, which are separately accounted for at fair     
value on the Company's consolidated balance sheets. The embedded derivative     
related to the funds withheld associated with this reinsurance agreement is     
included within other liabilities and was ($14) million and $6 million at       
December 31, 2013 and 2012, respectively. The Company's consolidated statements 
of operations reflected a loss for this agreement of $50 million and $37        
million for the years ended December 31, 2013 and 2012, respectively, which     
included net derivative gains (losses) of $20 million and ($6) million for the  
years ended December 31, 2013 and 2012, respectively, related to the embedded   
derivative.                                                                     

The Company ceded risks to affiliates related to guaranteed minimum benefit 
guarantees written directly by the Company. These ceded reinsurance agreements  
contain embedded derivatives and changes in their fair value are included       
within net derivative gains (losses). The embedded derivatives associated with  
the cessions are included within premiums, reinsurance and other receivables    
and were assets of $642 million and $3.9 billion at December 31, 2013 and 2012, 
respectively. Net derivative gains (losses) associated with the embedded        
derivatives were ($3.8) billion, $439 million, and $1.7 billion for the years   
ended December 31, 2013, 2012 and 2011, respectively.                           

 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                

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

4. Reinsurance (continued)                                                      

funds withheld balance by $48 million and $546 million at December 31, 2013 and 
2012, respectively. Net derivative gains (losses) associated with the embedded  
derivatives were $498 million, ($107) million and ($434) million for the years  
ended December 31, 2013, 2012 and 2011, respectively.                           

 The Company has secured certain reinsurance recoverable balances with various
forms of collateral, including secured trusts, funds withheld accounts and      
irrevocable letters of credit. The Company had $5.4 billion and $6.1 billion of 
unsecured affiliated reinsurance recoverable balances at December 31, 2013 and  
2012, respectively.                                                             

Affiliated reinsurance agreements that do not expose the Company to a       
reasonable possibility of a significant loss from insurance risk are recorded   
using the deposit method of accounting. The deposit assets on affiliated        
reinsurance were $3.9 billion and $4.0 billion, at December 31, 2013 and 2012,  
respectively. There were no deposit liabilities on affiliated reinsurance at    
both December 31, 2013 and 2012.                                                

5. Investments                                                                  

 See Note 7 for information about the fair value hierarchy for investments and
the related valuation methodologies.                                            

Investment Risks and Uncertainties                                              

Investments are exposed to the following primary sources of risk: credit,   
interest rate, liquidity, market valuation, currency and real estate risk. The  
financial statement risks, stemming from such investment risks, are those       
associated with the determination of estimated fair values, the diminished      
ability to sell certain investments in times of strained market conditions, the 
recognition of impairments, the recognition of income on certain investments    
and the potential consolidation of variable interest entities ("VIEs"). The use 
of different methodologies, assumptions and inputs relating to these financial  
statement risks may have a material effect on the amounts presented within the  
consolidated financial statements.                                              

The determination of valuation allowances and impairments is highly         
subjective and is based upon periodic evaluations and assessments of known and  
inherent risks associated with the respective asset class. Such evaluations and 
assessments are revised as conditions change and new information becomes        
available.                                                                      

 The recognition of income on certain investments (e.g. structured securities,
including mortgage-backed securities, asset-backed securities ("ABS") and       
certain structured investment transactions) is dependent upon certain factors   
such as prepayments and defaults, and changes in such factors could result in   
changes in amounts to be earned.                                                

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Fixed Maturity and Equity Securities AFS                                        

Fixed Maturity and Equity Securities AFS by Sector                            

  The following table presents the fixed maturity and equity securities AFS by
sector. Redeemable preferred stock is reported within U.S. corporate and      
foreign corporate fixed maturity securities and non-redeemable preferred stock
is reported within equity securities. Included within fixed maturity          
securities are structured securities including RMBS, ABS and commercial       
mortgage-backed securities ("CMBS").                                          

                                                        [Enlarge/Download Table]

                                              December 31, 2013                           December 31, 2012              
                                  ------------------------------------------ --------------------------------------------
                                               Gross Unrealized                            Gross Unrealized              
                                   Cost or  ---------------------- Estimated  Cost or  ------------------------ Estimated
                                  Amortized       Temporary  OTTI    Fair    Amortized         Temporary  OTTI    Fair   
                                    Cost    Gains  Losses   Losses   Value     Cost     Gains   Losses   Losses   Value  
                                  --------- ----- --------- ------ --------- --------- ------- --------- ------ ---------
                                                                       (In millions)                                     
                                                                                                                         
Fixed maturity securities                                                                                                
U.S. corporate...................  $  4,318 $ 323     $  70  $  --  $  4,571   $ 4,130 $   585     $   7  $  --  $  4,708
U.S. Treasury and agency.........     2,031    78        99     --     2,010     1,004     287        --     --     1,291
Foreign corporate................     1,659   103        13     --     1,749     1,747     188         5     --     1,930
RMBS.............................     1,123    64        11      2     1,174     1,362     114         6      4     1,466
State and political subdivision..       776    67        18     --       825       766     160         2     --       924
ABS..............................       369     6         2     --       373       348      15         3     --       360
CMBS.............................       326    15        --     --       341       494      34         1     --       527
Foreign government...............       155    20         4     --       171       136      45        --     --       181
                                  --------- ----- --------- ------ --------- --------- ------- --------- ------ ---------
 Total fixed maturity securities.  $ 10,757 $ 676     $ 217  $   2  $ 11,214   $ 9,987 $ 1,428     $  24  $   4  $ 11,387
                                  ========= ===== ========= ====== ========= ========= ======= ========= ====== =========
Equity securities                                                                                                        
Non-redeemable preferred stock...  $     93 $  --     $  14  $  --  $     79   $    22 $     1     $  --  $  --  $     23
Common stock.....................        20    --        --     --        20        11      --        --     --        11
                                  --------- ----- --------- ------ --------- --------- ------- --------- ------ ---------
 Total equity securities.........  $    113 $  --     $  14  $  --  $     99   $    33 $     1     $  --  $  --  $     34
                                  ========= ===== ========= ====== ========= ========= ======= ========= ====== =========

The Company held non-income producing fixed maturity securities with an   
estimated fair value of $12 million and less than $1 million with unrealized  
gains (losses) of $2 million and less than $1 million at December 31, 2013 and
2012, respectively.                                                           

Methodology for Amortization of Premium and Accretion of Discount on        
Structured Securities                                                       

  Amortization of premium and accretion of discount on structured securities
considers the estimated timing and amount of prepayments of the underlying  
loans. Actual prepayment experience is periodically reviewed and effective  
yields are recalculated when differences arise between the originally       
anticipated and the actual prepayments received and currently anticipated.  
Prepayment assumptions for single class and multi-class mortgage-backed and 
ABS are estimated using inputs obtained from third-party specialists and    
based on management's knowledge of the current market. For credit-sensitive 
mortgage-backed and ABS and certain prepayment-sensitive securities, the    
effective yield is recalculated on a prospective basis. For all other       
mortgage-backed and ABS, the effective yield is recalculated on a           
retrospective basis.                                                        

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Maturities of Fixed Maturity Securities                                       

  The amortized cost and estimated fair value of fixed maturity securities, by
contractual maturity date, were as follows at:                                

                                                        [Enlarge/Download Table]

                                                                December 31,              
                                                   ---------------------------------------
                                                          2013                2012        
                                                   ------------------- -------------------
                                                             Estimated           Estimated
                                                   Amortized   Fair    Amortized   Fair   
                                                     Cost      Value     Cost      Value  
                                                   --------- --------- --------- ---------
                                                                (In millions)             
                                                                                          
Due in one year or less........................... $     298 $     304 $    234  $     239
Due after one year through five years.............     1,610     1,700    1,417      1,531
Due after five years through ten years............     2,095     2,255    2,137      2,430
Due after ten years...............................     4,936     5,067    3,995      4,834
                                                   --------- --------- --------  ---------
  Subtotal........................................     8,939     9,326    7,783      9,034
Structured securities (RMBS, ABS and CMBS)........     1,818     1,888    2,204      2,353
                                                   --------- --------- --------  ---------
   Total fixed maturity securities................ $  10,757 $  11,214 $  9,987  $  11,387
                                                   ========= ========= ========  =========

  Actual maturities may differ from contractual maturities due to the exercise
of call or prepayment options. Fixed maturity securities not due at a single  
maturity date have been presented in the year of final contractual maturity.  
RMBS, ABS and CMBS are shown separately, as they are not due at a single      
maturity.                                                                     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Continuous Gross Unrealized Losses for Fixed Maturity and Equity Securities   
AFS by Sector                                                                   

The following table presents the estimated fair value and gross unrealized
losses of fixed maturity and equity securities AFS in an unrealized loss      
position, aggregated by sector and by length of time that the securities have 
been in a continuous unrealized loss position.                                

                                                        [Enlarge/Download Table]

                                               December 31, 2013                         December 31, 2012            
                                   ----------------------------------------- -----------------------------------------
                                                        Equal to or Greater                       Equal to or Greater 
                                   Less than 12 Months     than 12 Months    Less than 12 Months     than 12 Months   
                                   -------------------- -------------------- -------------------- --------------------
                                   Estimated   Gross    Estimated   Gross    Estimated   Gross    Estimated   Gross   
                                     Fair    Unrealized   Fair    Unrealized   Fair    Unrealized   Fair    Unrealized
                                     Value     Losses     Value     Losses     Value     Losses     Value     Losses  
                                   --------- ---------- --------- ---------- --------- ---------- --------- ----------
                                                       (In millions, except number of securities)                     
                                                                                                                      
Fixed maturity securities                                                                                             
U.S. corporate....................  $    845     $   63    $   51      $   7    $  160      $   2    $   48      $   5
U.S. Treasury and agency..........     1,189         99        --         --        --         --        --         --
Foreign corporate.................       260         13        18         --        26          1        14          4
RMBS..............................       345          9        41          4        19         --       105         10
State and political subdivision...       146         13        14          5        16          1         6          1
ABS...............................       148          1        14          1        14         --        26          3
CMBS..............................         6         --        --         --        28          1         9         --
Foreign government................        35          4         1         --        --         --        --         --
                                   --------- ---------- --------- ---------- --------- ---------- --------- ----------
  Total fixed maturity securities.  $  2,974     $  202    $  139      $  17    $  263      $   5    $  208      $  23
                                   ========= ========== ========= ========== ========= ========== ========= ==========
Equity securities                                                                                                     
Non-redeemable preferred..........  $     70     $   14    $   --      $  --    $   --      $  --    $    1      $  --
                                   --------- ---------- --------- ---------- --------- ---------- --------- ----------
  Total equity securities.........  $     70     $   14    $   --      $  --    $   --      $  --    $    1      $  --
                                   ========= ========== ========= ========== ========= ========== ========= ==========
Total number of securities in an                                                                                      
 unrealized loss position.........       372                   63                   64                   72           
                                   =========            =========            =========            =========           

Evaluation of AFS Securities for OTTI and Evaluating Temporarily Impaired AFS 
Securities                                                                      

Evaluation and Measurement Methodologies                                    

  Management considers a wide range of factors about the security issuer and
uses its best judgment in evaluating the cause of the decline in the        
estimated fair value of the security and in assessing the prospects for     
near-term recovery. Inherent in management's evaluation of the security are 
assumptions and estimates about the operations of the issuer and its future 
earnings potential. Considerations used in the impairment evaluation process
include, but are not limited to: (i) the length of time and the extent to   
which the estimated fair value has been below cost or amortized cost;       
(ii) the potential for impairments when the issuer is experiencing          
 significant financial difficulties; (iii) the potential for impairments in an
entire industry sector or sub-sector; (iv) the potential for impairments in 
certain economically depressed geographic locations; (v) the potential for  
impairments where the issuer, series of issuers or industry has suffered a  
catastrophic loss or has exhausted natural resources; (vi) with respect to  
 fixed maturity securities, whether the Company has the intent to sell or will
more likely than not be required to sell a particular security before the   
decline in estimated fair value below amortized cost recovers; (vii) with   
respect to structured securities, changes in forecasted cash flows          

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

after considering the quality of underlying collateral, expected prepayment 
speeds, current and forecasted loss severity, consideration of the payment  
 terms of the underlying assets backing a particular security, and the payment
priority within the tranche structure of the security; and (viii) other     
subjective factors, including concentrations and information obtained from  
regulators and rating agencies.                                             

The methodology and significant inputs used to determine the amount of  
credit loss on fixed maturity securities are as follows:                    

  .  The Company calculates the recovery value by performing a discounted cash
flow analysis based on the present value of future cash flows. The  
  discount rate is generally the effective interest rate of the security
prior to impairment.                                                

.  When determining collectability and the period over which value is     
   expected to recover, the Company applies considerations utilized in its
overall impairment evaluation process which incorporates information
regarding the specific security, fundamentals of the industry and   
geographic area in which the security issuer operates, and overall  
     macroeconomic conditions. Projected future cash flows are estimated using
assumptions derived from management's best estimates of likely      
scenario-based outcomes after giving consideration to a variety of  
variables that include, but are not limited to: payment terms of the
 security; the likelihood that the issuer can service the interest and
  principal payments; the quality and amount of any credit enhancements;
the security's position within the capital structure of the issuer; 
possible corporate restructurings or asset sales by the issuer; and 
   changes to the rating of the security or the issuer by rating agencies.

.  Additional considerations are made when assessing the unique features  
  that apply to certain structured securities including, but not limited
 to: the quality of underlying collateral, expected prepayment speeds,
    current and forecasted loss severity, consideration of the payment terms
    of the underlying loans or assets backing a particular security, and the
payment priority within the tranche structure of the security.      

.  When determining the amount of the credit loss for U.S. and foreign    
corporate securities, foreign government securities and state and   
    political subdivision securities, the estimated fair value is considered
the recovery value when available information does not indicate that
  another value is more appropriate. When information is identified that
  indicates a recovery value other than estimated fair value, management
    considers in the determination of recovery value the same considerations
     utilized in its overall impairment evaluation process as described above,
 as well as any private and public sector programs to restructure such
securities.                                                         

With respect to securities that have attributes of debt and equity      
 (perpetual hybrid securities), consideration is given in the OTTI analysis as
to whether there has been any deterioration in the credit of the issuer and 
the likelihood of recovery in value of the securities that are in a severe  
and extended unrealized loss position. Consideration is also given as to    
whether any perpetual hybrid securities, with an unrealized loss, regardless
of credit rating, have deferred any dividend payments. When an OTTI loss has
 occurred, the OTTI loss is the entire difference between the perpetual hybrid
security's cost and its estimated fair value with a corresponding charge to 
earnings.                                                                   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

The cost or amortized cost of fixed maturity and equity securities is   
adjusted for OTTI in the period in which the determination is made. The     
Company does not change the revised cost basis for subsequent recoveries in 
value.                                                                      

In periods subsequent to the recognition of OTTI on a fixed maturity    
security, the Company accounts for the impaired security as if it had been  
purchased on the measurement date of the impairment. Accordingly, the       
discount (or reduced premium) based on the new cost basis is accreted over  
the remaining term of the fixed maturity security in a prospective manner   
based on the amount and timing of estimated future cash flows.              

Current Period Evaluation                                                   

Based on the Company's current evaluation of its AFS securities in an   
unrealized loss position in accordance with its impairment policy, and the  
Company's current intentions and assessments (as applicable to the type of  
security) about holding, selling and any requirements to sell these         
securities, the Company has concluded that these securities are not         
 other-than-temporarily impaired at December 31, 2013. Future OTTI will depend
primarily on economic fundamentals, issuer performance (including changes in
 the present value of future cash flows expected to be collected), and changes
in credit ratings, collateral valuation, interest rates and credit spreads. 
If economic fundamentals deteriorate or if there are adverse changes in the 
above factors, OTTI may be incurred in upcoming periods.                    

   Gross unrealized losses on fixed maturity securities increased $191 million
 during the year ended December 31, 2013 from $28 million to $219 million. The
 increase in gross unrealized losses for the year ended December 31, 2013, was
primarily attributable to an increase in interest rates, partially offset by
narrowing credit spreads.                                                   

At December 31, 2013, $2 million of the total $219 million of gross     
unrealized losses were from two 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                                  

All of the $2 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 are related to gross unrealized losses on one investment  
grade fixed maturity security. 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                            

  Less than $1 million of the $2 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, are related to gross unrealized losses on one    
below investment grade fixed maturity security.                             

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Equity Securities                                                           

 Gross unrealized losses on equity securities increased $14 million during
the year ended December 31, 2013 from $0 to $14 million. None of the $14    
million of gross unrealized losses were from equity securities with gross   
unrealized losses of 20% or more of cost for 12 months or greater.          

Mortgage Loans                                                                  

Mortgage Loans by Portfolio Segment                                           

Mortgage loans are summarized as follows at:                              

                                                                [Download Table]

                                                 December 31,                
                                  -------------------------------------------
                                          2013                  2012         
                                  --------------------- ---------------------
                                    Carrying     % of     Carrying     % of  
                                      Value      Total      Value      Total 
                                  ------------- ------- ------------- -------
                                  (In millions)         (In millions)        
                                                                             
Mortgage loans:                                                              
 Commercial......................   $  1,607     88.0 %   $  1,478     88.1 %
 Agricultural....................        227       12.4        208       12.4
                                    --------    -------   --------    -------
   Subtotal (1)..................      1,834      100.4      1,686      100.5
 Valuation allowances............        (8)      (0.4)        (8)      (0.5)
                                    --------    -------   --------    -------
     Total mortgage loans, net...   $  1,826    100.0 %   $  1,678    100.0 %
                                    ========    =======   ========    =======

--------                                                                        

(1)Purchases of mortgage loans were $2 million and $20 million for the years    
ended December 31, 2013 and 2012, respectively.                           

See "-- Related Party Investment Transactions" for discussion of related  
party mortgage loans.                                                         

Mortgage Loans and Valuation Allowance by Portfolio Segment                   

All commercial and agricultural mortgage loans held at both December 31,  
2013 and 2012 were evaluated collectively for credit losses. The valuation    
allowance for commercial mortgage loans was $7 million at both December 31,   
2013 and 2012. The valuation allowance for agricultural mortgage loans was    
$1 million at both December 31, 2013 and 2012.                                

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Valuation Allowance Rollforward by Portfolio Segment                          

The changes in the valuation allowance, by portfolio segment, were as     
follows:                                                                      

                                                                [Download Table]

                              Commercial Agricultural Total
                              ---------- ------------ -----
                                      (In millions)        
                                                           
Balance at January 1, 2011...   $  12       $  --     $  12
Provision (release)..........     (2)           1       (1)
                                -----       -----     -----
Balance at December 31, 2011.      10           1        11
Provision (release)..........     (3)          --       (3)
                                -----       -----     -----
Balance at December 31, 2012.       7           1         8
Provision (release)..........      --          --        --
                                -----       -----     -----
Balance at December 31, 2013.   $   7       $   1     $   8
                                =====       =====     =====

Valuation Allowance Methodology                                             

Mortgage loans are considered to be impaired when it is probable that,  
based upon current information and events, the Company will be unable to    
collect all amounts due under the loan agreement. Specific valuation        
allowances are established using the same methodology for both portfolio    
segments as the excess carrying value of a loan over either (i) the present 
value of expected future cash flows discounted at the loan's original       
effective interest rate, (ii) the estimated fair value of the loan's        
underlying collateral if the loan is in the process of foreclosure or       
otherwise collateral dependent, or (iii) the loan's observable market price.
 A common evaluation framework is used for establishing non-specific valuation
 allowances for both loan portfolio segments; however, a separate non-specific
valuation allowance is calculated and maintained for each loan portfolio    
segment that is based on inputs unique to each loan portfolio segment.      
Non-specific valuation allowances are established for pools of loans with   
similar risk characteristics where a property-specific or market-specific   
risk has not been identified, but for which the Company expects to incur a  
credit loss. These evaluations are based upon several loan portfolio        
 segment-specific factors, including the Company's experience for loan losses,
 defaults and loss severity, and loss expectations for loans with similar risk
characteristics. These evaluations are revised as conditions change and new 
information becomes available.                                              

Commercial and Agricultural Mortgage Loan Portfolio Segments                

The Company typically uses several years of historical experience in    
establishing non-specific valuation allowances which captures multiple      
 economic cycles. For evaluations of commercial mortgage loans, in addition to
historical experience, management considers factors that include the impact 
of a rapid change to the economy, which may not be reflected in the loan    
portfolio, and recent loss and recovery trend experience as compared to     
historical loss and recovery experience. For evaluations of agricultural    
mortgage loans, in addition to historical experience, management considers  
factors that include increased stress in certain sectors, which may be      
evidenced by higher delinquency rates, or a change in the number of higher  
 risk loans. On a quarterly basis, management incorporates the impact of these
current market events and conditions on historical experience in determining
the non-specific valuation allowance established for commercial and         
agricultural mortgage loans.                                                

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MetLife Investors USA Insurance Company 
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Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

All commercial mortgage loans are reviewed on an ongoing basis which may
 include an analysis of the property financial statements and rent roll, lease
rollover analysis, property inspections, market analysis, estimated         
valuations of the underlying collateral, loan-to-value ratios, debt service 
 coverage ratios, and tenant creditworthiness. All agricultural mortgage loans
are monitored on an ongoing basis. The monitoring process focuses on higher 
risk loans, which include those that are classified as restructured,        
delinquent or in foreclosure, as well as loans with higher loan-to-value    
ratios and lower debt service coverage ratios. The monitoring process for   
agricultural mortgage loans is generally similar to the commercial mortgage 
 loan monitoring process, with a focus on higher risk loans, including reviews
on a geographic and property-type basis. Higher risk loans are reviewed     
individually on an ongoing basis for potential credit loss and specific     
valuation allowances are established using the methodology described above. 
Quarterly, the remaining loans are reviewed on a pool basis by aggregating  
groups of loans that have similar risk characteristics for potential credit 
loss, and non-specific valuation allowances are established as described    
above using inputs that are unique to each segment of the loan portfolio.   

  For commercial mortgage loans, the primary credit quality indicator is the
 debt service coverage ratio, which compares a property's net operating income
to amounts needed to service the principal and interest due under the loan. 
Generally, the lower the debt service coverage ratio, the higher the risk of
experiencing a credit loss. The Company also reviews the loan-to-value ratio
of its commercial mortgage loan portfolio. Loan-to-value ratios compare the 
unpaid principal balance of the loan to the estimated fair value of the     
underlying collateral. Generally, the higher the loan-to-value ratio, the   
higher the risk of experiencing a credit loss. The debt service coverage    
ratio and loan-to-value ratio, as well as the values utilized in calculating
 these ratios, are updated annually, on a rolling basis, with a portion of the
loan portfolio updated each quarter.                                        

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.                          

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MetLife Investors USA Insurance Company 
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Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Credit Quality of Commercial Mortgage Loans                                   

The credit quality of commercial mortgage loans, were as follows:         

                                                        [Enlarge/Download Table]

                                    Recorded Investment                                   
                       ----------------------------------------------                     
                        Debt Service Coverage Ratios                    Estimated         
                       ------------------------------          % of       Fair      % of  
                       > 1.20x  1.00x - 1.20x < 1.00x  Total   Total      Value     Total 
                       -------- ------------- ------- -------- ------ ------------- ------
                                    (In millions)                     (In millions)       
                                                                                          
December 31, 2013:                                                                        
Loan-to-value ratios:                                                                     
Less than 65%......... $  1,403     $  18      $  26  $  1,447  90.0%   $  1,542     90.5%
65% to 75%............      100        --         20       120    7.5        120       7.0
76% to 80%............       28        12         --        40    2.5         42       2.5
Greater than 80%......       --        --         --        --     --         --        --
                       --------     -----      -----  -------- ------   --------    ------
 Total................ $  1,531     $  30      $  46  $  1,607 100.0%   $  1,704    100.0%
                       ========     =====      =====  ======== ======   ========    ======
December 31, 2012:                                                                        
Loan-to-value ratios:                                                                     
Less than 65%......... $  1,317     $  16      $  14  $  1,347  91.1%   $  1,494     91.5%
65% to 75%............       75        --         20        95    6.4        100       6.1
76% to 80%............       --         5         17        22    1.5         24       1.5
Greater than 80%......       --        14         --        14    1.0         14       0.9
                       --------     -----      -----  -------- ------   --------    ------
 Total................ $  1,392     $  35      $  51  $  1,478 100.0%   $  1,632    100.0%
                       ========     =====      =====  ======== ======   ========    ======

Credit Quality of Agricultural Mortgage Loans                                 

The credit quality of agricultural mortgage loans, were as follows at:    

                                                                [Download Table]

                                     December 31,               
                       -----------------------------------------
                               2013                 2012        
                       -------------------- --------------------
                         Recorded    % of     Recorded    % of  
                        Investment   Total   Investment   Total 
                       ------------- ------ ------------- ------
                       (In millions)        (In millions)       
                                                                
Loan-to-value ratios:                                           
Less than 65%.........    $  201      88.5%    $  208     100.0%
65% to 75%............        26       11.5        --         --
                          ------     ------    ------     ------
 Total................    $  227     100.0%    $  208     100.0%
                          ======     ======    ======     ======

Past Due and Interest Accrual Status of Mortgage Loans                        

The Company has a high quality, well performing, mortgage loan portfolio, 
with all mortgage loans classified as performing at both December 31, 2013 and
2012. The Company defines delinquency consistent with industry practice, when 
mortgage loans are past due as follows: commercial mortgage loans -- 60 days  
and agricultural mortgage loans -- 90 days. The Company had no mortgage loans 
past due and no mortgage loans in non-accrual status at both December 31, 2013
and 2012.                                                                     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Impaired Mortgage Loans                                                       

The Company had no impaired mortgage loans at both December 31, 2013 and  
2012. The average investment on impaired mortgage loans was $0 and $1 million 
for the years ended December 31, 2013 and 2012, respectively. The Company did 
not recognize interest income on impaired mortgage loans during the years     
ended December 31, 2013, 2012 and 2011.                                       

Mortgage Loans Modified in a Troubled Debt Restructuring                      

The Company may grant concessions related to borrowers experiencing       
financial difficulties which are classified as troubled debt restructurings.  
Generally, the types of concessions include: reduction of the contractual     
interest rate, extension of the maturity date at an interest rate lower than  
current market interest rates, and/or a reduction of accrued interest. The    
amount, timing and extent of the concession granted is considered in          
determining any impairment or changes in the specific valuation allowance     
recorded with the restructuring. Through the continuous monitoring process, a 
specific valuation allowance may have been recorded prior to the quarter when 
the mortgage loan is modified in a troubled debt restructuring. Accordingly,  
the carrying value (after specific valuation allowance) before and after      
modification through a troubled debt restructuring may not change             
significantly, or may increase if the expected recovery is higher than the    
pre-modification recovery assessment. There were no mortgage loans modified in
a troubled debt restructuring during the years ended December 31, 2013 and    
2012.                                                                         

Other Invested Assets                                                           

Other invested assets is comprised of loans to affiliates (see "-- Related  
Party Investment Transactions"), freestanding derivatives with positive         
estimated fair values (see Note 6), tax credit and renewable energy             
partnerships and leveraged leases.                                              

Leveraged Leases                                                              

Investment in leveraged leases consisted of the following at:             

                                                                [Download Table]

                                                             December 31, 
                                                             -------------
                                                             2013   2012  
                                                             -----  ----- 
                                                             (In millions)
                                                                          
Rental receivables, net..................................... $  92  $  92 
Estimated residual values...................................    14     14 
                                                             -----  ----- 
 Subtotal...................................................   106    106 
Unearned income.............................................  (35)   (37) 
                                                             -----  ----- 
   Investment in leveraged leases, net of non-recourse debt. $  71  $  69 
                                                             =====  ===== 

Rental receivables are generally due in periodic installments. The payment
periods range from two to 19 years. For rental receivables, the primary credit
quality indicator is whether the rental receivable is performing or           
nonperforming, which is assessed monthly. The Company generally defines       
nonperforming rental receivables as those that are 90 days or more past due.  
At December 31, 2013 and 2012, all rental receivables were performing.        

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

The deferred income tax liability related to leveraged leases was $63     
million and $53 million at December 31, 2013 and 2012, respectively.          

 The components of income from investment in leveraged leases, excluding net
investment gains (losses), were as follows:                                   

                                                        [Enlarge/Download Table]

                                                                          Years Ended December 31, 
                                                                        ---------------------------
                                                                          2013      2012       2011
                                                                        ------ ------------- ------
                                                                               (In millions)       
                                                                                                   
Income from investment in leveraged leases.............................   $  2          $  5   $  8
Less: Income tax expense on leveraged leases...........................      1             2      3
                                                                        ------ ------------- ------
Investment income after income tax from investment in leveraged leases.   $  1          $  3   $  5
                                                                        ====== ============= ======

Cash Equivalents                                                                

The carrying value of cash equivalents, which includes securities and other 
investments with an original or remaining maturity of three months or less at   
the time of purchase, was $2 million and $23 million at December 31, 2013 and   
2012, respectively.                                                             

Net Unrealized Investment Gains (Losses)                                        

 The components of net unrealized investment gains (losses), included in AOCI,
were as follows:                                                                

                                                        [Enlarge/Download Table]

                                                                          Years Ended December 31,   
                                                                        -----------------------------
                                                                         2013      2012        2011  
                                                                        ------ ------------- --------
                                                                               (In millions)         
                                                                                                     
Fixed maturity securities.............................................. $  459   $  1,402    $  1,057
Fixed maturity securities with noncredit OTTI losses in AOCI...........    (2)        (4)         (6)
                                                                        ------   --------    --------
 Total fixed maturity securities.......................................    457      1,398       1,051
Equity securities......................................................   (24)         --          --
Derivatives............................................................      4        142         126
Short-term investments.................................................     --        (1)         (1)
Other..................................................................    (4)        (3)          --
                                                                        ------   --------    --------
 Subtotal..............................................................    433      1,536       1,176
                                                                        ------   --------    --------
Amounts allocated from:                                                                              
 Insurance liability loss recognition..................................     --       (79)        (61)
 DAC...................................................................    (9)       (43)        (48)
                                                                        ------   --------    --------
   Subtotal............................................................    (9)      (122)       (109)
                                                                        ------   --------    --------
Deferred income tax benefit (expense) related to noncredit OTTI losses                               
  recognized in AOCI...................................................     --          1           2
Deferred income tax benefit (expense)..................................  (149)      (496)       (376)
                                                                        ------   --------    --------
Net unrealized investment gains (losses)............................... $  275   $    919    $    693
                                                                        ======   ========    ========

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

The changes in fixed maturity securities with noncredit OTTI losses included
in AOCI were as follows:                                                        

                                                        [Enlarge/Download Table]

                                                             Years Ended December 31,
                                                             ------------------------
                                                             2013         2012       
                                                             ----         ----       
                                                             (In millions)           
                                                                                     
Balance at January 1,....................................... $(4)         $(6)       
Noncredit OTTI losses and subsequent changes recognized (1).   --          (2)       
Securities sold with previous noncredit OTTI loss...........    1            2       
Subsequent changes in estimated fair value..................    1            2       
                                                             ----         ----       
Balance at December 31,..................................... $(2)         $(4)       
                                                             ====         ====       

--------                                                                        

(1)Noncredit OTTI losses and subsequent changes recognized, net of DAC, were    
 less than $1 million and ($2) million for the years ended December 31, 2013
and 2012, respectively.                                                   

The changes in net unrealized investment gains (losses) were as follows:    

                                                        [Enlarge/Download Table]

                                                                            Years Ended December 31,   
                                                                         ------------------------------
                                                                           2013       2012       2011  
                                                                         -------- ------------- -------
                                                                                  (In millions)        
                                                                                                       
Balance at January 1,................................................... $    919    $   693    $   110
Fixed maturity securities on which noncredit OTTI losses have been                                     
  recognized............................................................        2          2         --
Unrealized investment gains (losses) during the year....................  (1,105)        358        924
Unrealized investment gains (losses) relating to:                                                      
 Insurance liability gain (loss) recognition............................       79       (18)       (27)
 DAC related to noncredit OTTI losses recognized in AOCI................       --         --        (1)
 DAC....................................................................       34          5         --
 Deferred income tax benefit (expense) related to noncredit OTTI losses                                
   recognized in AOCI...................................................      (1)        (1)         --
 Deferred income tax benefit (expense)..................................      347      (120)      (313)
                                                                         --------    -------    -------
Balance at December 31,................................................. $    275    $   919    $   693
                                                                         ========    =======    =======
Change in net unrealized investment gains (losses)...................... $  (644)    $   226    $   583
                                                                         ========    =======    =======

Concentrations of Credit Risk                                                   

There were no investments in any counterparty that were greater than 10% of 
the Company's stockholder's equity, other than the U.S. government and its      
agencies, at both December 31, 2013 and 2012.                                   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Securities Lending                                                              

Elements of the securities lending program are presented below at:          

                                                                [Download Table]

                                                          December 31,   
                                                        -----------------
                                                          2013     2012  
                                                        -------- --------
                                                          (In millions)  
                                                                         
Securities on loan: (1)                                                  
 Amortized cost........................................ $  1,443 $  1,212
 Estimated fair value.................................. $  1,424 $  1,534
Cash collateral on deposit from counterparties (2)..... $  1,470 $  1,574
Security collateral on deposit from counterparties (3). $     -- $     11
Reinvestment portfolio -- estimated fair value......... $  1,473 $  1,591

--------                                                                        

(1)Included within fixed maturity securities.                                   

(2)Included within payables for collateral under securities loaned and other    
transactions.                                                             

(3)Security collateral on deposit from counterparties may not be sold or        
repledged, unless the counterparty is in default, and is not reflected in 
the consolidated financial statements.                                    

Invested Assets on Deposit and Pledged as Collateral                            

Invested assets on deposit and pledged as collateral are presented below at 
estimated fair value for cash and cash equivalents, short-term investments and  
fixed maturity securities at:                                                   

                                                                [Download Table]

                                                             December 31, 
                                                             -------------
                                                             2013   2012  
                                                             -----  ----- 
                                                             (In millions)
                                                                          
Invested assets on deposit (regulatory deposits)............ $   6  $   6 
Invested assets pledged as collateral (1)...................   665    698 
                                                             -----  ----- 
 Total invested assets on deposit and pledged as collateral. $ 671  $ 704 
                                                             =====  ===== 

--------                                                                        

(1)The Company has pledged invested assets in connection with various           
agreements and transactions, including funding agreements (see Note 2) and
derivative transactions (see Note 6).                                     

See "-- Securities Lending" for securities on loan.                         

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                                              

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

flows expected to be collected as of the acquisition date over its acquisition  
date fair value is referred to as the accretable yield and is recognized as net 
investment income on an effective yield basis. If subsequently, based on        
current information and events, it is probable that there is a significant      
increase in cash flows previously expected to be collected or if actual cash    
flows are significantly greater than cash flows previously expected to be       
collected, the accretable yield is adjusted prospectively. The excess of the    
contractually required payments (including interest) as of the acquisition date 
over the cash flows expected to be collected as of the acquisition date is      
referred to as the nonaccretable difference, and this amount is not expected to 
be realized as net investment income. Decreases in cash flows expected to be    
collected can result in OTTI.                                                   

The Company's PCI fixed maturity securities were as follows at:             

                                                                [Download Table]

                                                December 31, 
                                                -------------
                                                 2013   2012 
                                                ------ ------
                                                (In millions)
                                                             
Outstanding principal and interest balance (1). $  312 $  341
Carrying value (2)............................. $  248 $  277

--------                                                                        

(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,
                                                      ------------------------
                                                       2013        2012       
                                                      ------      -------     
                                                      (In millions)           
                                                                              
Contractually required payments (including interest). $   46      $   152     
Cash flows expected to be collected (1).............. $   37      $    71     
Fair value of investments acquired................... $   25      $    44     

--------                                                                        

(1)Represents undiscounted principal and interest cash flow expectations, at    
the date of acquisition.                                                  

The following table presents activity for the accretable yield on PCI fixed 
maturity securities for:                                                        

                                                                [Download Table]

                                                     Years Ended December 31,
                                                     ------------------------
                                                      2013         2012      
                                                     -------      -------    
                                                      (In millions)          
                                                                             
Accretable yield, January 1,........................ $   189      $   187    
Investments purchased...............................      12           27    
Accretion recognized in earnings....................    (12)         (11)    
Disposals...........................................     (4)           --    
Reclassification (to) from nonaccretable difference.    (20)         (14)    
                                                       -------      -------  
Accretable yield, December 31,...................... $   165      $   189    
                                                       =======      =======  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Collectively Significant Equity Method Investments                              

The Company holds investments in real estate joint ventures, real estate    
funds and other limited partnership interests consisting of leveraged buy-out   
funds, hedge funds, private equity funds, joint ventures and other funds. The   
portion of these investments accounted for under the equity method had a        
carrying value of $972 million at December 31, 2013. The Company's maximum      
exposure to loss related to these equity method investments is limited to the   
carrying value of these investments plus unfunded commitments of $472 million   
at December 31, 2013. Except for certain real estate joint ventures, the        
Company's investments in real estate funds and other limited partnership        
interests are generally of a passive nature in that the Company does not        
participate in the management of the entities.                                  

As described in Note 1, the Company generally records its share of earnings 
in its equity method investments using a three-month lag methodology and within 
net investment income. Aggregate net investment income from these equity method 
investments exceeded 10% of the Company's consolidated pre-tax income (loss)    
for one of the three most recent annual periods: 2013. The Company is providing 
the following aggregated summarized financial data for such equity method       
investments, for the most recent annual periods, in order to provide            
comparative information. This aggregated summarized financial data does not     
represent the Company's proportionate share of the assets, liabilities, or      
earnings of such entities.                                                      

The aggregated summarized financial data presented below reflects the latest
available financial information and is as of, and for the years ended           
December 31, 2013, 2012 and 2011. Aggregate total assets of these entities      
totaled $185.7 billion and $148.5 billion at December 31, 2013 and 2012,        
respectively. Aggregate total liabilities of these entities totaled $8.1        
billion and $4.9 billion at December 31, 2013 and 2012, respectively. Aggregate 
net income (loss) of these entities totaled $18.5 billion, $11.8 billion and    
$5.0 billion for the years ended December 31, 2013, 2012 and 2011,              
respectively. Aggregate net income (loss) from the underlying entities in which 
the Company invests is primarily comprised of investment income, including      
recurring investment income and realized and unrealized investment gains        
(losses).                                                                       

Variable Interest Entities                                                      

 The Company has invested in certain structured transactions that are VIEs. In
certain instances, the Company may hold both the power to direct the most       
significant activities of the entity, as well as an economic interest in the    
entity and, as such, it would be deemed the primary beneficiary or consolidator 
of the entity.                                                                  

The determination of the VIE's primary beneficiary requires an evaluation of
the contractual and implied rights and obligations associated with each party's 
relationship with or involvement in the entity, an estimate of the entity's     
expected losses and expected residual returns and the allocation of such        
estimates to each party involved in the entity. The Company generally uses a    
qualitative approach to determine whether it is the primary beneficiary.        
However, for VIEs that are investment companies or apply measurement principles 
consistent with those utilized by investment companies, the primary beneficiary 
is based on a risks and rewards model and is defined as the entity that will    
absorb a majority of a VIE's expected losses, receive a majority of a VIE's     
expected residual returns if no single entity absorbs a majority of expected    
losses, or both. The Company reassesses its involvement with VIEs on a          
quarterly basis. The use of different methodologies, assumptions and inputs in  
the determination of the primary beneficiary could have a material effect on    
the amounts presented within the consolidated financial statements.             

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Consolidated VIEs                                                             

There were no VIEs for which the Company has concluded that it is the     
primary beneficiary and which are consolidated at December 31, 2013 and 2012. 

Unconsolidated VIEs                                                           

The carrying amount and maximum exposure to loss relating to VIEs in which
the Company holds a significant variable interest but is not the primary      
beneficiary and which have not been consolidated were as follows at:          

                                                        [Enlarge/Download Table]

                                                               December 31,               
                                                 -----------------------------------------
                                                         2013                 2012        
                                                 -------------------- --------------------
                                                            Maximum              Maximum  
                                                 Carrying  Exposure   Carrying  Exposure  
                                                  Amount  to Loss (1)  Amount  to Loss (1)
                                                 -------- ----------- -------- -----------
                                                               (In millions)              
                                                                                          
Fixed maturity securities AFS:                                                            
 Structured securities (RMBS, ABS and CMBS) (2). $  1,888  $  1,888   $  2,353  $  2,353  
 U.S. and foreign corporate.....................      133       133        149       149  
Other limited partnership interests.............      593       828        516       780  
Other invested assets...........................        9        44         --        --  
                                                 --------  --------   --------  --------  
 Total.......................................... $  2,623  $  2,893   $  3,018  $  3,282  
                                                 ========  ========   ========  ========  

--------                                                                        

(1)The maximum exposure to loss relating to fixed maturity securities AFS is    
equal to their carrying amounts or the carrying amounts of retained       
interests. The maximum exposure to loss relating to other limited         
partnership interests is equal to the carrying amounts plus any unfunded  
commitments of the Company. For its investments in other invested assets, 
the Company's return is in the form of income tax credits. For such       
investments, the maximum exposure to loss is equal to the carrying amounts
  plus any unfunded commitment. Such a maximum loss would be expected to occur
only upon bankruptcy of the issuer or investee.                           

(2)For these variable interests, the Company's involvement is limited to that   
of a passive investor.                                                    

As described in Note 12, the Company makes commitments to fund partnership
investments in the normal course of business. Excluding these commitments, the
Company did not provide financial or other support to investees designated as 
VIEs during the years ended December 31, 2013, 2012 and 2011.                 

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Net Investment Income                                                           

The components of net investment income were as follows:                    

                                                                [Download Table]

                                                    Years Ended December 31,
                                                    ------------------------
                                                     2013     2012    2011  
                                                     ------  ------  ------ 
                                                       (In millions)        
                                                                            
Investment income:                                                          
 Fixed maturity securities......................... $  531   $  525  $  468 
 Equity securities.................................      4       --      -- 
 Mortgage loans....................................     95       87      76 
 Policy loans......................................      6        5       4 
 Real estate and real estate joint ventures........      6        1      -- 
 Other limited partnership interests...............    105       54      42 
 Cash, cash equivalents and short-term investments.    (1)        1      -- 
 Other.............................................      4        7       9 
                                                     ------  ------  ------ 
   Subtotal........................................    750      680     599 
 Less: Investment expenses.........................     24       19      13 
                                                     ------  ------  ------ 
     Net investment income......................... $  726   $  661  $  586 
                                                     ======  ======  ====== 

See "-- Related Party Investment Transactions" for discussion of affiliated 
net investment income and investment expenses.                                  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Net Investment Gains (Losses)                                                   

Components of Net Investment Gains (Losses)                                   

The components of net investment gains (losses) were as follows:          

                                                        [Enlarge/Download Table]

                                                                           Years Ended December 31,
                                                                         --------------------------
                                                                         2013     2012      2011   
                                                                          -----    -----    ------ 
                                                                           (In millions)           
                                                                                                   
Total gains (losses) on fixed maturity securities:                                                 
 Total OTTI losses recognized -- by sector and industry:                                           
   U.S. and foreign corporate securities -- by industry:                                           
     Finance............................................................ $ (3)    $ (1)    $   --  
                                                                          -----    -----    ------ 
       Total U.S. and foreign corporate securities......................   (3)      (1)        --  
   RMBS.................................................................    --      (1)       (2)  
                                                                          -----    -----    ------ 
 OTTI losses on fixed maturity securities recognized in earnings........   (3)      (2)       (2)  
 Fixed maturity securities -- net gains (losses) on sales and disposals.     5       23       (5)  
                                                                          -----    -----    ------ 
       Total gains (losses) on fixed maturity securities................     2       21       (7)  
                                                                          -----    -----    ------ 
Other net investment gains (losses):                                                               
 Equity securities......................................................    --       --       (1)  
 Mortgage loans.........................................................    --        3         2  
 Other limited partnership interests....................................    --        1       (1)  
 Other investment portfolio gains (losses)..............................     4       --        --  
                                                                          -----    -----    ------ 
        Total net investment gains (losses)............................. $   6    $  25    $  (7)  
                                                                          =====    =====    ====== 

 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 ($1) million, less than $1 million and $1      
million for the years ended December 31, 2013, 2012 and 2011, respectively.   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Sales or Disposals and Impairments of Fixed Maturity and Equity Securities    

  Proceeds from sales or disposals of fixed maturity and equity securities and
the components of fixed maturity and equity securities net investment gains   
(losses) are as shown in the table below. Investment gains and losses on sales
of securities are determined on a specific identification basis.              

                                                        [Enlarge/Download Table]

                                                          Years Ended December 31,                      
                                     -------------------------------------------------------------------
                                       2013     2012    2011   2013  2012  2011   2013    2012    2011  
                                     -------- -------- ------- ----- ----- ----- ------- ------- -------
                                     Fixed Maturity Securities Equity Securities          Total         
                                     ------------------------- ----------------- -----------------------
                                                                (In millions)                           
                                                                                                        
Proceeds............................ $  2,859 $  2,021 $ 2,510 $   7 $   3 $   5 $ 2,866 $ 2,024 $ 2,515
                                     ======== ======== ======= ===== ===== ===== ======= ======= =======
Gross investment gains.............. $     46 $     32 $    13 $  -- $  -- $  -- $    46 $    32 $    13
                                     -------- -------- ------- ----- ----- ----- ------- ------- -------
Gross investment losses.............     (41)      (9)    (18)    --    --    --    (41)     (9)    (18)
                                     -------- -------- ------- ----- ----- ----- ------- ------- -------
Total OTTI losses:                                                                                      
  Credit-related....................       --      (1)     (2)    --    --    --      --     (1)     (2)
  Other (1).........................      (3)      (1)      --    --    --   (1)     (3)     (1)     (1)
                                     -------- -------- ------- ----- ----- ----- ------- ------- -------
   Total OTTI losses................      (3)      (2)     (2)    --    --   (1)     (3)     (2)     (3)
                                     -------- -------- ------- ----- ----- ----- ------- ------- -------
    Net investment gains (losses)... $      2 $     21 $   (7) $  -- $  -- $ (1) $     2 $    21 $   (8)
                                     ======== ======== ======= ===== ===== ===== ======= ======= =======

--------                                                                        

(1)Other OTTI losses recognized in earnings include impairments on (i) equity   
securities, (ii) perpetual hybrid securities classified within fixed      
maturity securities where the primary reason for the impairment was the   
 severity and/or the duration of an unrealized loss position and (iii) fixed
maturity securities where there is an intent to sell or it is more likely 
than not that the Company will be required to sell the security before    
recovery of the decline in estimated fair value.                          

Credit Loss Rollforward                                                       

The table below presents a rollforward of the cumulative credit loss      
component of OTTI loss recognized in earnings on fixed maturity securities    
still held for which a portion of the OTTI loss was recognized in OCI:        

                                                        [Enlarge/Download Table]

                                                                       Years Ended December 31,
                                                                       ------------------------
                                                                          2013         2012    
                                                                       --------     --------   
                                                                         (In millions)         
                                                                                               
Balance, at January 1,................................................ $      1     $      1   
Additions:                                                                                     
  Initial impairments -- credit loss OTTI recognized on securities                             
   not previously impaired............................................       --            1   
Reductions:                                                                                    
  Sales (maturities, pay downs or prepayments) during the period of                            
   securities previously impaired as credit loss OTTI.................       --          (1)   
                                                                       --------     --------   
Balance, at December 31,.............................................. $      1     $      1   
                                                                       ========     ========   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

5. Investments (continued)                                                      

Related Party Investment Transactions                                         

The Company transfers invested assets, primarily consisting of fixed      
maturity securities, to and from affiliates. Invested assets transferred to   
and from affiliates were as follows:                                          

                                                        [Enlarge/Download Table]

                                                                     Years Ended December 31,
                                                                     ------------------------
                                                                     2013     2012    2011   
                                                                      -----    -----   ----- 
                                                                       (In millions)         
                                                                                             
Estimated fair value of invested assets transferred to affiliates... $  33    $  --   $  --  
Amortized cost of invested assets transferred to affiliates......... $  31    $  --   $  --  
Net investment gains (losses) recognized on transfers............... $   2    $  --   $  --  
Estimated fair value of invested assets transferred from affiliates. $  77    $  --   $  --  

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 $147 million and $117 million at December 31, 2013 and    
2012, respectively. A loan issued in 2013 for $30 million bears interest at   
one-month LIBOR + 4.50% with quarterly interest only payments of less than $1 
million through January 2017, when the principal balance is due. A loan with a
carrying value of $77 million, at both December 31, 2013 and 2012, bears      
interest at 7.26% due in quarterly principal and interest payments of $2      
million through January 2020, when the remaining principal balance is due. A  
loan with a carrying value of $40 million, at both December 31, 2013 and 2012,
bears interest at 7.01% with quarterly interest only payments of $1 million   
through January 2020, when the principal balance is due. These affiliated     
loans are secured by interests in the real estate subsidiaries, which own     
operating real estate with a fair value in excess of the loans. Net investment
income from these affiliated loans was $8 million, $8 million and $9 million  
for the years ended December 31, 2013, 2012 and 2011, respectively.           

The Company has affiliated loans outstanding which are included in other  
invested assets, totaling $125 million at both December 31, 2013 and 2012. At 
December 31, 2011, the loans were outstanding with Exeter, an affiliate.      
During 2012, MetLife assumed this affiliated debt from Exeter. The loans are  
due on December 16, 2021, and bears interest, payable semi-annually, at 5.86%.
Net investment income from these affiliated loans was $7 million, $7 million  
and less than $1 million for the years ended December 31, 2013, 2012 and 2011,
respectively.                                                                 

  In July 2013, the Company committed to lend up to $438 million to Exeter, an
affiliate, pursuant to a note purchase agreement. Pursuant to the agreement,  
the notes will be due not later than three years after issuance. The repayment
of any notes issued pursuant to this agreement is guaranteed by MetLife. In   
October 2013, pursuant to this agreement, the Company issued a loan to Exeter 
for $125 million, which is included in other invested assets, for the year    
ending December 31, 2013. The loan is due on October 15, 2015, and bears      
interest, payable semi-annually, at 2.47%. Net investment income from this    
loan was $1 million at December 31, 2013. The remaining total commitment to   
lend is $313 million at December 31, 2013.                                    

The Company receives investment administrative services from an affiliate.
The related investment administrative service charges were $13 million, $11   
million, and $10 million for the years ended December 31, 2013, 2012 and 2011,
respectively. The Company also had additional affiliated net investment income
(loss) of ($1) million for the year ended December 31, 2013 and less than $1  
million for both years ended December 31, 2012 and 2011.                      

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives                                                                  

Accounting for Derivatives                                                      

See Note 1 for a description of the Company's accounting policies for       
derivatives and Note 7 for information about the fair value hierarchy for       
derivatives.                                                                    

Derivative Strategies                                                           

The Company is exposed to various risks relating to its ongoing business    
operations, including interest rate, foreign currency exchange rate, credit and 
equity 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 and forwards.                                                            

Interest rate swaps are used by the Company primarily to reduce market risks
from changes in interest rates and to alter interest rate exposure arising from 
mismatches between assets and liabilities (duration mismatches). In an interest 
rate swap, the Company agrees with another party to exchange, at specified      
intervals, the difference between fixed rate and floating rate interest amounts 
as calculated by reference to an agreed notional amount. The Company utilizes   
interest rate swaps in fair value, cash flow and non-qualifying hedging         
relationships.                                                                  

The Company purchases interest rate caps and floors primarily to protect its
floating rate liabilities against rises in interest rates above a specified     
level, and against interest rate exposure arising from mismatches between       
assets and liabilities, as well as to protect its minimum rate guarantee        
liabilities against declines in interest rates below a specified level,         
respectively. In certain instances, the Company locks in the economic impact of 
existing purchased caps and floors by entering into offsetting written caps and 
floors. The Company utilizes interest rate caps and floors in non-qualifying    
hedging relationships.                                                          

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.                                    

To a lesser extent, the Company uses interest rate futures in non-qualifying
hedging relationships.                                                          

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

Foreign Currency Exchange Rate Derivatives                                    

The Company uses foreign currency swaps to reduce the risk from fluctuations
in foreign currency exchange rates associated with its assets and liabilities   
denominated in foreign currencies. In a foreign currency swap transaction, the  
Company agrees with another party to exchange, at specified intervals, the      
difference between one currency and another at a fixed exchange rate, generally 
set at inception, calculated by reference to an agreed upon notional amount.    
The notional amount of each currency is exchanged at the inception and          
termination of the currency swap by each party. The Company utilizes foreign    
currency swaps in cash flow and non-qualifying hedging relationships.           

To a lesser extent, the Company uses foreign currency forwards in           
non-qualifying hedging relationships.                                           

Credit Derivatives                                                            

The Company enters into purchased credit default swaps to hedge against     
credit-related changes in the value of its investments. In a credit default     
swap transaction, the Company agrees with another party to pay, at specified    
intervals, a premium to hedge credit risk. If a credit event occurs, as defined 
by the contract, the contract may be cash settled or it may be settled gross by 
the delivery of par quantities of the referenced investment equal to the        
specified swap notional in exchange for the payment of cash amounts by the      
counterparty equal to the par value of the investment surrendered. Credit       
events vary by type of issuer but typically include bankruptcy, failure to pay  
debt obligations, repudiation, moratorium, or involuntary restructuring. In     
each case, payout on a credit default swap is triggered only after the Credit   
Derivatives Determinations Committee of the International Swaps and Derivatives 
Association, Inc. ("ISDA") deems that a credit event has occurred. The Company  
utilizes credit default swaps in non-qualifying hedging relationships.          

The Company enters into written credit default swaps to synthetically create
credit investments that are either more expensive to acquire or otherwise       
unavailable in the cash markets. These transactions are a combination of a      
derivative and one or more cash instruments, such as U.S. Treasury securities,  
agency securities or other fixed maturity securities. These credit default      
swaps are not designated as hedging instruments.                                

Equity Derivatives                                                            

 The Company uses equity index options to reduce its exposure to equity market
risk in non-qualifying hedging relationships.                                   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. 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,                           
                                                                   -------------------------------------------------------------
                                                                               2013                           2012              
                                                                   ------------------------------ ------------------------------
                                                                             Estimated Fair Value           Estimated Fair Value
                                                                             --------------------           --------------------
                                                                   Notional                       Notional                      
                                 Primary Underlying Risk Exposure   Amount   Assets  Liabilities   Amount   Assets  Liabilities 
                                 --------------------------------  --------- ------  -----------  --------- ------  ----------- 
                                                                                         (In millions)                          
Derivatives Designated as Hedging Instruments                                                                                   
                                                                                                                                
Fair value hedges:                                                                                                              
  Interest rate swaps........... Interest rate.................... $     112 $    1    $    1     $     101 $   --    $    2    
                                                                   --------- ------    ------     --------- ------    ------    
   Subtotal....................................................          112      1         1           101     --         2    
                                                                   --------- ------    ------     --------- ------    ------    
Cash flow hedges:                                                                                                               
  Interest rate swaps........... Interest rate....................       377      3        29           483     59        --    
  Interest rate forwards........ Interest rate....................       145      3         1           260     53        --    
  Foreign currency swaps........ Foreign currency exchange rate...       200      1        21           183      2         6    
                                                                   --------- ------    ------     --------- ------    ------    
   Subtotal....................................................          722      7        51           926    114         6    
                                                                   --------- ------    ------     --------- ------    ------    
    Total qualifying hedges...................................     $     834 $    8    $   52     $   1,027 $  114    $    8    
                                                                   --------- ------    ------     --------- ------    ------    
Derivatives Not Designated or Not Qualifying as Hedging Instruments                                                             
Interest rate swaps............. Interest rate.................... $   2,975 $   71    $   38     $   1,587 $   96    $   10    
Interest rate floors............ Interest rate....................     6,000     29        29         6,000     93        91    
Interest rate caps.............. Interest rate....................     2,000      5        --         1,500     --        --    
Interest rate futures........... Interest rate....................        --     --        --            44     --         1    
Foreign currency swaps.......... Foreign currency exchange rate...       173      1        15           120      1         4    
Foreign currency forwards....... Foreign currency exchange rate...         7     --        --                                   
Credit default                                                                                                                  
 swaps -- purchased............. Credit...........................        24     --        --            24     --        --    
Credit default swaps -- written. Credit...........................       528     11        --           624      5        --    
Equity options.................. Equity market....................        72     --        --            36     --        --    
                                                                   --------- ------    ------     --------- ------    ------    
   Total non-designated or non-qualifying derivatives..........       11,779    117        82         9,935    195       106    
                                                                   --------- ------    ------     --------- ------    ------    
    Total.....................................................     $  12,613 $  125    $  134     $  10,962 $  309    $  114    
                                                                   ========= ======    ======     ========= ======    ======    

 Based on notional amounts, a substantial portion of the Company's derivatives
was not designated or did not qualify as part of a hedging relationship at both 
December 31, 2013 and 2012. The Company's use of derivatives includes           
(i) derivatives that serve as macro hedges of the Company's exposure to various 
risks and that generally do not qualify for hedge accounting due to the         
criteria required under the portfolio hedging rules; (ii) derivatives that      
economically hedge insurance liabilities that contain mortality or morbidity    
risk and that generally do not qualify for hedge accounting because the lack of 
these risks in the derivatives cannot support an expectation of a highly        
effective hedging relationship; (iii) derivatives that economically hedge       
embedded derivatives that do not qualify for hedge accounting because the       
changes in estimated fair value of the embedded derivatives are already         
recorded in net income; and (iv) written credit default swaps that are used to  
synthetically create credit investments and that do not qualify for hedge       
accounting because they do not involve a hedging relationship. For these        
non-qualified derivatives, changes in market factors can lead to the            
recognition of fair value changes in the consolidated statement of operations   
without an offsetting gain or loss recognized in earnings for the item being    
hedged.                                                                         

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

Net Derivative Gains (Losses)                                                   

The components of net derivative gains (losses) were as follows:          

                                                                [Download Table]

                                             Years Ended December 31,  
                                            ---------------------------
                                               2013      2012     2011 
                                            ---------- --------- ------
                                                   (In millions)       
                                                                       
Derivatives and hedging gains (losses) (1). $     (82) $      37 $  191
Embedded derivatives.......................      (923)     1,098    534
                                            ---------- --------- ------
 Total net derivative gains (losses)....... $  (1,005) $   1,135 $  725
                                            ========== ========= ======

--------                                                                        
(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 amount the Company recognized in net investment income from settlement  
payments related to qualifying hedges for the years ended December 31, 2013,    
2012 and 2011 was not significant.                                              

The Company recognized $71 million, $60 million and $36 million of net      
derivative gains (losses) from settlement payments related to non-qualifying    
hedges for the years ended December 31, 2013, 2012 and 2011, respectively.      

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          Net    
                                               Derivative   Investment
                                             Gains (Losses) Income (1)
                                             -------------- ----------
                                                   (In millions)      
                                                                      
Year Ended December 31, 2013:                                         
 Interest rate derivatives..................  $     (162)    $     -- 
 Foreign currency exchange rate derivatives.         (13)          -- 
 Credit derivatives -- purchased............           --          -- 
 Credit derivatives -- written..............           13          -- 
 Equity derivatives.........................           --         (1) 
                                              -----------    -------- 
   Total....................................  $     (162)    $    (1) 
                                              ===========    ======== 
Year Ended December 31, 2012:                                         
 Interest rate derivatives..................  $      (29)    $     -- 
 Foreign currency exchange rate derivatives.          (3)          -- 
 Credit derivatives -- purchased............          (3)          -- 
 Credit derivatives -- written..............           11          -- 
 Equity derivatives.........................           --         (1) 
                                              -----------    -------- 
   Total....................................  $      (24)    $    (1) 
                                              ===========    ======== 
Year Ended December 31, 2011:                                         
 Interest rate derivatives..................  $       143    $     -- 
 Foreign currency exchange rate derivatives.           --          -- 
 Credit derivatives -- purchased............            2          -- 
 Credit derivatives -- written..............          (1)          -- 
 Equity derivatives.........................           --         (2) 
                                              -----------    -------- 
   Total....................................  $       144    $    (2) 
                                              ===========    ======== 

--------                                                                        
(1)Changes in estimated fair value related to economic hedges of equity method  
investments in joint ventures.                                            

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

Fair Value Hedges                                                               

The Company designates and accounts for interest rate swaps to convert fixed
rate assets to floating rate assets as fair value hedges when they have met the 
requirements of fair value hedging.                                             

The amount the Company recognized in net derivative gains (losses)          
representing the ineffective portion of all fair value hedges was not           
significant for both years ended December 31, 2013 and 2011, and was ($1)       
million for the year ended December 31, 2012. Changes in the fair value of the  
derivatives recognized in net derivative gains (losses) were $2 million and     
($2) million for the years ended December 31, 2013 and 2012, respectively, and  
not significant for the year ended December 31, 2011. Changes in the fair value 
of the hedged items recognized in net derivative gains (losses) were ($2)       
million and $1 million for the years ended December 31, 2013 and 2012,          
respectively, and not significant for the year ended December 31, 2011.         

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

Cash Flow Hedges                                                                

The Company designates and accounts for the following as cash flow hedges   
when they have met the requirements of cash flow hedging: (i) foreign currency  
swaps to hedge the foreign currency cash flow exposure of foreign currency      
denominated assets and liabilities; (ii) interest rate forwards to lock in the  
price to be paid for forward purchases of investments; and (iii) interest rate  
swaps and interest rate forwards to hedge the forecasted purchases of           
fixed-rate investments.                                                         

In certain instances, the Company discontinued cash flow hedge accounting   
because the forecasted transactions were no longer probable of occurring.       
Because certain of the forecasted transactions also were not probable of        
occurring within two months of the anticipated date, the Company reclassified   
certain amounts from AOCI into net derivative gains (losses). These amounts     
were $0, $0, and $1 million for the years ended December 31, 2013, 2012 and     
2011, respectively.                                                             

At December 31, 2013 and 2012, the maximum length of time over which the    
Company was hedging its exposure to variability in future cash flows for        
forecasted transactions did not exceed six years and seven years, respectively. 

At December 31, 2013 and 2012, the balance in AOCI associated with cash flow
hedges was $4 million and $142 million, respectively.                           

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

The following table presents the effects of derivatives in cash flow hedging
relationships on the consolidated statements of operations and the consolidated 
statements of stockholder's equity:                                             

                                                                [Download Table]

                                                         Amount and Location     
                                 Amount of Gains          of Gains (Losses)      
Derivatives in Cash Flow       (Losses) Deferred in       Reclassified from      
Hedging Relationships          AOCI on Derivatives     AOCI into Income (Loss)   
------------------------------ -------------------- -----------------------------
                               (Effective Portion)       (Effective Portion)     
                               -------------------- -----------------------------
                                                    Net Derivative Net Investment
                                                    Gains (Losses)     Income    
                                                    -------------- --------------
                                                 (In millions)                   
                                                                                 
Year Ended December 31, 2013:                                                    
Interest rate swaps...........    $        (84)       $       --     $      --   
Interest rate forwards........             (33)                6             1   
Foreign currency swaps........             (15)              (1)            --   
                                  -------------       ----------     ---------   
 Total........................    $       (132)       $        5     $       1   
                                  =============       ==========     =========   
Year Ended December 31, 2012:                                                    
Interest rate swaps...........    $          27       $       --     $      --   
Interest rate forwards........              (1)                1            --   
Foreign currency swaps........              (9)               --            --   
                                  -------------       ----------     ---------   
 Total........................    $          17       $        1     $      --   
                                  =============       ==========     =========   
Year Ended December 31, 2011:                                                    
Interest rate swaps...........    $          57       $        1     $      --   
Interest rate forwards........              144                9            --   
Foreign currency swaps........                7              (1)            --   
                                  -------------       ----------     ---------   
 Total........................    $         208       $        9     $      --   
                                  =============       ==========     =========   

All components of each derivative's gain or loss were included in the       
assessment of hedge effectiveness.                                              

At December 31, 2013, ($1) million of deferred net gains (losses) on        
derivatives in AOCI was expected to be reclassified to earnings within the next 
12 months.                                                                      

Credit Derivatives                                                              

In connection with synthetically created credit investment transactions, the
Company writes credit default swaps for which it receives a premium to insure   
credit risk. Such credit derivatives are included within the non-qualifying     
derivatives and derivatives for purposes other than hedging table. If a credit  
event occurs, as defined by the contract, the contract may be cash settled or   
it may be settled gross by the Company paying the counterparty the specified    
swap notional amount in exchange for the delivery of par quantities of the      
referenced credit obligation. The Company's maximum amount at risk, assuming    
the value of all referenced credit obligations is zero, was $528 million and    
$624 million at December 31, 2013 and 2012, respectively. The Company can       
terminate these contracts at any time through cash settlement with the          
counterparty at an amount equal to the then current fair value of the credit    
default swaps. At December 31, 2013 and 2012, the Company would have received   
$11 million and $5 million, respectively, to terminate all of these contracts.  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

The following table presents the estimated fair value, maximum amount of    
future payments and weighted average years to maturity of written credit        
default swaps at:                                                               

                                                        [Enlarge/Download Table]

                                                                           December 31,                                   
                                         ---------------------------------------------------------------------------------
                                                           2013                                     2012                  
                                         ---------------------------------------- ----------------------------------------
                                         Estimated      Maximum                   Estimated      Maximum                  
                                         Fair Value Amount of Future   Weighted   Fair Value Amount of Future   Weighted  
                                         of Credit   Payments under    Average    of Credit   Payments under    Average   
Rating Agency Designation of Referenced   Default    Credit Default    Years to    Default    Credit Default    Years to  
Credit Obligations (1)                     Swaps       Swaps (2)     Maturity (3)   Swaps       Swaps (2)     Maturity (3)
---------------------------------------  ---------- ---------------- ------------ ---------- ---------------- ------------
                                                (In millions)                            (In millions)                    
                                                                                                                          
   Aaa/Aa/A                                                                                                               
   Single name credit default swaps                                                                                       
     (corporate)........................  $      1    $        30             3.0  $     1     $        43             2.9
   Credit default swaps referencing                                                                                       
     indices............................        --             42             0.8       --              42             1.8
                                         ---------- ----------------              ---------- ----------------             
    Subtotal............................         1             72             1.7        1              85             2.3
                                         ---------- ----------------              ---------- ----------------             
   Baa                                                                                                                    
   Single name credit default swaps                                                                                       
     (corporate)........................         2            110             2.7        1              80             3.6
   Credit default swaps referencing                                                                                       
     indices............................         5            310             5.0        3             423             4.5
                                         ---------- ----------------              ---------- ----------------             
    Subtotal............................         7            420             4.4        4             503             4.4
                                         ---------- ----------------              ---------- ----------------             
   B                                                                                                                      
   Single name credit default swaps                                                                                       
     (corporate)........................        --             --              --       --              --              --
   Credit default swaps referencing                                                                                       
     indices............................         3             36             5.0       --              36             5.0
                                         ---------- ----------------              ---------- ----------------             
    Subtotal............................         3             36             5.0       --              36             5.0
                                         ---------- ----------------              ---------- ----------------             
      Total.............................  $     11    $       528             4.1  $     5     $       624             4.1
                                         ========== ================              ========== ================             

--------                                                                        

(1)The rating agency designations are based on availability and the midpoint of 
 the applicable ratings among Moody's Investors Service ("Moody's"), S&P and
Fitch Ratings. If no rating is available from a rating agency, then an    
internally developed rating is used.                                      

(2)Assumes the value of the referenced credit obligations is zero.              

(3)The weighted average years to maturity of the credit default swaps is        
calculated based on weighted average notional amounts.                    

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

Credit Risk on Freestanding Derivatives                                         

The Company may be exposed to credit-related losses in the event of         
nonperformance by counterparties to derivatives. Generally, the current credit  
exposure of the Company's derivatives is limited to the net positive estimated  
fair value of derivatives at the reporting date after taking into consideration 
the existence of master netting or similar agreements and any collateral        
received pursuant to such agreements.                                           

The Company manages its credit risk related to derivatives by entering into 
transactions with creditworthy counterparties and establishing and monitoring   
exposure limits. The Company's OTC-bilateral derivative transactions are        
generally governed by ISDA Master Agreements which provide for legally          
enforceable set-off and close-out netting of exposures to specific              
counterparties in the event of early termination of a transaction, which        
includes, but is not limited to, events of default and bankruptcy. In the event 
of an early termination, the Company is permitted to set off receivables from   
the counterparty against payables to the same counterparty arising out of all   
included transactions. Substantially all of the Company's ISDA Master           
Agreements also include Credit Support Annex provisions which require both the  
pledging and accepting of collateral in connection with its OTC-bilateral       
derivatives.                                                                    

The Company's OTC-cleared derivatives are effected through central clearing 
counterparties and its exchange-traded derivatives are effected through         
regulated exchanges. Such positions are marked to market and margined on a      
daily basis, and the Company has minimal exposure to credit-related losses in   
the event of nonperformance by counterparties to such derivatives.              

 See Note 7 for a description of the impact of credit risk on the valuation of
derivatives.                                                                    

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

The estimated fair value of the Company's net derivative assets and net     
derivative liabilities after the application of master netting agreements and   
collateral was as follows at:                                                   

                                                        [Enlarge/Download Table]

                                                                              December 31, 2013   December 31, 2012  
                                                                              ------------------ --------------------
Derivatives Subject to a Master Netting Arrangement or a Similar Arrangement  Assets Liabilities  Assets  Liabilities
----------------------------------------------------------------------------  ------ ----------- -------- -----------
                                                                                           (In millions)             
                                                                                                                     
 Gross estimated fair value of derivatives:                                                                          
  OTC-bilateral (1).......................................................... $  119   $   134   $    323   $   126  
  OTC-cleared (1)............................................................     15         8         --        --  
  Exchange-traded............................................................     --        --         --         1  
                                                                              ------   -------   --------   -------  
    Total gross estimated fair value of derivatives (1)......................    134       142        323       127  
 Amounts offset in the consolidated balance sheets...........................     --        --         --        --  
                                                                              ------   -------   --------   -------  
 Estimated fair value of derivatives presented in the consolidated balance                                           
   sheets (1)................................................................    134       142        323       127  
 Gross amounts not offset in the consolidated balance sheets:                                                        
  Gross estimated fair value of derivatives: (2)                                                                     
    OTC-bilateral............................................................   (80)      (80)       (22)      (22)  
    OTC-cleared..............................................................    (6)       (6)         --        --  
    Exchange-traded..........................................................     --        --         --        --  
  Cash collateral: (3)                                                                                               
    OTC-bilateral............................................................   (39)        --      (249)        --  
    OTC-cleared..............................................................    (8)       (1)         --        --  
    Exchange-traded..........................................................     --        --         --       (1)  
  Securities collateral: (4)                                                                                         
    OTC-bilateral............................................................    (1)      (50)       (52)     (101)  
    OTC-cleared..............................................................     --        --         --        --  
    Exchange-traded..........................................................     --        --         --        --  
                                                                              ------   -------   --------   -------  
 Net amount after application of master netting agreements and collateral.... $   --   $     5   $     --   $     3  
                                                                              ======   =======   ========   =======  

--------                                                                        

(1)At December 31, 2013 and 2012, derivative assets include income or expense   
  accruals reported in accrued investment income or in other liabilities of $9
million and $14 million, respectively, and derivative liabilities include 
  income or expense accruals reported in accrued investment income or in other
liabilities of $8 million and $13 million, respectively.                  

(2)Estimated fair value of derivatives is limited to the amount that is subject 
to set-off and includes income or expense accruals.                       

(3)Cash collateral received is included in cash and cash equivalents,           
 short-term investments, or in fixed maturity securities, and the obligation
 to return it is included in payables for collateral under securities loaned
and other transactions in the consolidated balance sheets. The receivable 
for the return of cash collateral provided by the Company is inclusive of 
initial margin on exchange-traded and OTC-cleared derivatives and is      
 included in premiums, reinsurance and other receivables in the consolidated
balance                                                                   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

sheets. The amount of cash collateral offset in the table above is limited
 to the net estimated fair value of derivatives after application of netting
 agreements. At December 31, 2013 and 2012, the Company received excess cash
collateral of $5 million and $0, respectively, and provided excess cash   
  collateral of $1 million and $1 million, respectively, which is not included
in the table above due to the foregoing limitation.                       

(4)Securities collateral received by the Company is held in separate custodial  
 accounts and is not recorded on the consolidated balance sheets. Subject to
certain constraints, the Company is permitted by contract to sell or      
repledge this collateral, but at December 31, 2013 none of the collateral 
 had been sold or repledged. Securities collateral pledged by the Company is
reported in fixed maturity securities in the consolidated balance sheets. 
  Subject to certain constraints, the counterparties are permitted by contract
to sell or repledge this collateral. The amount of securities collateral  
offset in the table above is limited to the net estimated fair value of   
 derivatives after application of netting agreements and cash collateral. At
December 31, 2013 and 2012, the Company received excess securities        
collateral with an estimated fair value of $4 million and $12 million,    
respectively, for its OTC-bilateral derivatives, which are not included in
the table above due to the foregoing limitation. At December 31, 2013 and 
2012, the Company provided excess securities collateral with an estimated 
  fair value of $0 and $0, respectively, for its OTC-bilateral derivatives and
  $12 million and $0, respectively, for its OTC-cleared derivatives, which are
not included in the table above due to the foregoing limitation. At both  
December 31, 2013 and 2012, the Company did not pledge any securities     
collateral for its exchange-traded derivatives.                           

The Company's collateral arrangements for its OTC-bilateral derivatives     
generally require the counterparty in a net liability position, after           
considering the effect of netting agreements, to pledge collateral when the     
fair value of that counterparty's derivatives reaches a pre-determined          
threshold. Certain of these arrangements also include financial                 
strength-contingent provisions that provide for a reduction of these thresholds 
(on a sliding scale that converges toward zero) in the event of downgrades in   
the financial strength ratings of the Company and/or the credit rating of the   
counterparty. In addition, certain of the Company's netting agreements for      
derivatives contain provisions that require both the Company and the            
counterparty to maintain a specific investment grade financial strength or      
credit rating from each of Moody's and S&P. If a party's financial strength or  
credit ratings were to fall below that specific investment grade financial      
strength or credit rating, that party would be in violation of these            
provisions, and the other party to the derivatives could terminate the          
transactions and demand immediate settlement and payment based on such party's  
reasonable valuation of the derivatives.                                        

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

The following table presents the estimated fair value of the Company's      
OTC-bilateral derivatives that are in a net liability position after            
considering the effect of netting agreements, together with the estimated fair  
value and balance sheet location of the collateral pledged. The table also      
presents the incremental collateral that the Company would be required to       
provide if there was a one notch downgrade in the Company's financial strength  
rating at the reporting date or if the Company's financial strength rating      
sustained a downgrade to a level that triggered full overnight                  
collateralization or termination of the derivative position at the reporting    
date. OTC-bilateral derivatives that are not subject to collateral agreements   
are excluded from this table.                                                   

                                                        [Enlarge/Download Table]

                                  Estimated Fair Value of        Fair Value of Incremental        
                                   Collateral Provided:          Collateral Provided Upon:        
                                  ----------------------- ----------------------------------------
                                                                        Downgrade in the Company's
                                                            One Notch   Financial Strength Rating 
                     Estimated                            Downgrade in       to a Level that      
                   Fair Value of                          the Company's  Triggers Full Overnight  
                   Derivatives in                           Financial      Collateralization or   
                   Net Liability      Fixed Maturity        Strength          Termination of      
                    Position (1)        Securities           Rating      the Derivative Position  
                   -------------- ----------------------- ------------- --------------------------
                                                    (In millions)                                 
                                                                                                  
December 31, 2013.   $         54            $         50   $        --     $                    2
December 31, 2012.   $        104            $        101   $        --     $                    7

--------                                                                        

(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; and      
funds withheld on ceded reinsurance.                                            

The following table presents the estimated fair value and balance sheet     
location of the Company's embedded derivatives that have been separated from    
their host contracts at:                                                        

                                                        [Enlarge/Download Table]

                                                                                         December 31,    
                                                                                      -------------------
                                                            Balance Sheet Location       2013      2012  
                                                           -------------------------- ---------- --------
                                                                                         (In millions)   
                                                                                                         
Net embedded derivatives within asset host contracts:                                                    
 Ceded guaranteed minimum benefits........................ Premiums, reinsurance and                     
                                                           other receivables......... $      642 $  3,891
 Options embedded in debt or equity securities............ Investments...............       (16)      (5)
                                                                                      ---------- --------
   Net embedded derivatives within asset host contracts...........................    $      626 $  3,886
                                                                                      ========== ========
Net embedded derivatives within liability host contracts:                                                
 Direct guaranteed minimum benefits....................... PABs...................... $  (1,248) $    660
 Funds withheld on ceded reinsurance...................... Other liabilities.........         34      552
                                                                                      ---------- --------
   Net embedded derivatives within liability host contracts.......................    $  (1,214) $  1,212
                                                                                      ========== ========

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

6. Derivatives (continued)                                                      

The following table presents changes in estimated fair value related to     
embedded derivatives:                                                           

                                                                [Download Table]

                                        Years Ended December 31,
                                        ------------------------
                                          2013     2012    2011 
                                        -------- -------- ------
                                             (In millions)      
                                                                
Net derivative gains (losses) (1), (2). $  (923) $  1,098 $  534

--------                                                                        

(1)The valuation of direct guaranteed minimum benefits includes a               
  nonperformance risk adjustment. The amounts included in net derivative gains
(losses) in connection with this adjustment, were ($151) million, ($225)  
million and $346 million for the years ended December 31, 2013, 2012 and  
2011, respectively. In addition, the valuation of ceded guaranteed minimum
 benefits includes a nonperformance risk adjustment. The amounts included in
net derivative gains (losses) in connection with this adjustment, were    
$76 million, $124 million and ($476) million for the years ended          
December 31, 2013, 2012 and 2011, respectively.                           

(2)See Note 4 for discussion of affiliated net derivative gains (losses)        
included in the table above.                                              

7. Fair Value                                                                   

When developing estimated fair values, the Company considers three broad    
valuation techniques: (i) the market approach, (ii) the income approach, and    
(iii) the cost approach. The Company determines the most appropriate valuation  
technique to use, given what is being measured and the availability of          
sufficient inputs, giving priority to observable inputs. The Company            
categorizes its assets and liabilities measured at estimated fair value into a  
three-level hierarchy, based on the significant input with the lowest level in  
its valuation. The input levels are as follows:                                 

Level 1  Unadjusted quoted prices in active   
   markets for identical assets or
    liabilities. The Company defines
   active markets based on average
         trading volume for equity securities.
     The size of the bid/ask spread is
  used as an indicator of market
activity for fixed maturity 
securities.                 

Level 2  Quoted prices in markets that are not
        active or inputs that are observable
        either directly or indirectly. These
        inputs can include quoted prices for
       similar assets or liabilities other
         than quoted prices in Level 1, quoted
  prices in markets that are not
       active, or other significant inputs
         that are observable or can be derived
       principally from or corroborated by
observable market data for  
      substantially the full term of the
assets or liabilities.      

Level 3  Unobservable inputs that are         
    supported by little or no market
       activity and are significant to the
         determination of estimated fair value
 of the assets or liabilities.
   Unobservable inputs reflect the
      reporting entity's own assumptions
     about the assumptions that market
         participants would use in pricing the
asset or liability.         

Financial markets are susceptible to severe events evidenced by rapid       
depreciation in asset values accompanied by a reduction in asset liquidity. The 
Company's ability to sell securities, or the price ultimately realized for      
these securities, depends upon the demand and liquidity in the market and       
increases the use of judgment in determining the estimated fair value of        
certain securities.                                                             

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

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.                                                                        

Recurring Fair Value Measurements                                               

The assets and liabilities measured at estimated fair value on a recurring  
basis and their corresponding placement in the fair value hierarchy are         
presented below.                                                                

                                                        [Enlarge/Download Table]

                                                                              December 31, 2013                
                                                              -------------------------------------------------
                                                                    Fair Value Hierarchy                       
                                                              ---------------------------------                
                                                                                                Total Estimated
                                                               Level 1   Level 2     Level 3      Fair Value   
                                                              --------- ---------- ------------ ---------------
                                                                             (In millions)                     
                                                                                                               
Assets                                                                                                         
Fixed maturity securities:                                                                                     
  U.S. corporate............................................. $      -- $    4,397 $        174    $      4,571
  U.S. Treasury and agency...................................       841      1,169           --           2,010
  Foreign corporate..........................................        --      1,441          308           1,749
  RMBS.......................................................        --      1,057          117           1,174
  State and political subdivision............................        --        825           --             825
  ABS........................................................        --        278           95             373
  CMBS.......................................................        --        306           35             341
  Foreign government.........................................        --        171           --             171
                                                              --------- ---------- ------------ ---------------
   Total fixed maturity securities...........................       841      9,644          729          11,214
                                                              --------- ---------- ------------ ---------------
Equity securities:                                                                                             
  Non-redeemable preferred stock.............................        --         79           --              79
  Common stock...............................................        --         20           --              20
                                                              --------- ---------- ------------ ---------------
   Total equity securities...................................        --         99           --              99
                                                              --------- ---------- ------------ ---------------
Short-term investments.......................................         3        501           --             504
Derivative assets: (1)                                                                                         
  Interest rate..............................................        --        108            4             112
  Foreign currency exchange rate.............................        --          2           --               2
  Credit.....................................................        --         11           --              11
                                                              --------- ---------- ------------ ---------------
   Total derivative assets...................................        --        121            4             125
Net embedded derivatives within asset host contracts (2).....        --         --          642             642
Separate account assets (3)..................................       118     81,627           --          81,745
                                                              --------- ---------- ------------ ---------------
    Total assets............................................. $     962 $   91,992 $      1,375    $     94,329
                                                              ========= ========== ============ ===============
Liabilities                                                                                                    
Derivative liabilities: (1)                                                                                    
  Interest rate.............................................. $      -- $       97 $          1    $         98
  Foreign currency exchange rate.............................        --         36           --              36
                                                              --------- ---------- ------------ ---------------
   Total derivative liabilities..............................        --        133            1             134
Net embedded derivatives within liability host contracts (2).        --         --      (1,214)         (1,214)
                                                              --------- ---------- ------------ ---------------
    Total liabilities........................................ $      -- $      133 $    (1,213)    $    (1,080)
                                                              ========= ========== ============ ===============

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                                                             December 31, 2012                
                                                              ------------------------------------------------
                                                                    Fair Value Hierarchy                      
                                                              --------------------------------                
                                                                                               Total Estimated
                                                               Level 1    Level 2    Level 3     Fair Value   
                                                              ---------- ---------- ---------- ---------------
                                                                             (In millions)                    
                                                                                                              
Assets                                                                                                        
Fixed maturity securities:                                                                                    
  U.S. corporate............................................. $       -- $    4,475 $      233     $     4,708
  U.S. Treasury and agency...................................        297        994         --           1,291
  Foreign corporate..........................................         --      1,624        306           1,930
  RMBS.......................................................         --      1,418         48           1,466
  State and political subdivision............................         --        924         --             924
  ABS........................................................         --        288         72             360
  CMBS.......................................................         --        516         11             527
  Foreign government.........................................         --        179          2             181
                                                              ---------- ---------- ---------- ---------------
   Total fixed maturity securities...........................        297     10,418        672          11,387
                                                              ---------- ---------- ---------- ---------------
Equity securities:                                                                                            
  Non-redeemable preferred stock.............................         --         22          1              23
  Common stock...............................................         --         11         --              11
                                                              ---------- ---------- ---------- ---------------
   Total equity securities...................................         --         33          1              34
                                                              ---------- ---------- ---------- ---------------
Short-term investments.......................................        245        477         --             722
Derivative assets: (1)                                                                                        
  Interest rate..............................................         --        248         53             301
  Foreign currency exchange rate.............................         --          3         --               3
  Credit.....................................................         --          4          1               5
                                                              ---------- ---------- ---------- ---------------
   Total derivative assets...................................         --        255         54             309
Net embedded derivatives within asset host contracts (2).....         --         --      3,891           3,891
Separate account assets (3)..................................         75     70,801         --          70,876
                                                              ---------- ---------- ---------- ---------------
    Total assets............................................. $      617 $   81,984 $    4,618     $    87,219
                                                              ========== ========== ========== ===============
Liabilities                                                                                                   
Derivative liabilities: (1)                                                                                   
  Interest rate.............................................. $        1 $      103 $       --     $       104
  Foreign currency exchange rate.............................         --         10         --              10
                                                              ---------- ---------- ---------- ---------------
   Total derivative liabilities..............................          1        113         --             114
Net embedded derivatives within liability host contracts (2).         --         --      1,212           1,212
                                                              ---------- ---------- ---------- ---------------
    Total liabilities........................................ $        1 $      113 $    1,212     $     1,326
                                                              ========== ========== ========== ===============

--------                                                                        

(1)Derivative assets are presented within other invested assets in the          
 consolidated balance sheets and derivative liabilities are presented within
other liabilities in the consolidated balance sheets. The amounts are     
presented gross in the tables above to reflect the presentation in the    
consolidated balance sheets, but are presented net for purposes of the    
rollforward in the Fair Value Measurements Using Significant Unobservable 
Inputs (Level 3) tables.                                                  

(2)Net embedded derivatives within asset host contracts are presented within    
premiums, reinsurance and other receivables in the consolidated balance   
sheets. Net embedded derivatives within liability host contracts are      
presented primarily within PABs and other liabilities in the consolidated 
balance sheets. At December 31, 2013 and 2012, equity securities also     
included embedded derivatives of ($16) million and ($5) million,          
respectively.                                                             

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

(3)Investment performance related to separate account assets is fully offset by 
corresponding amounts credited to contractholders whose liability is      
 reflected within separate account liabilities. Separate account liabilities
are set equal to the estimated fair value of separate account assets.     

The following describes the valuation methodologies used to measure assets  
and liabilities at fair value. The description includes the valuation           
techniques and key inputs for each category of assets or liabilities that are   
classified within Level 2 and Level 3 of the fair value hierarchy.              

Investments                                                                   

Valuation Controls and Procedures                                           

 On behalf of the Company and MetLife, Inc.'s Chief Investment Officer and
Chief Financial Officer, a pricing and valuation committee that is          
independent of the trading and investing functions and comprised of senior  
management, provides oversight of control systems and valuation policies for
securities, mortgage loans and derivatives. On a quarterly basis, this      
committee reviews and approves new transaction types and markets, ensures   
that observable market prices and market-based parameters are used for      
valuation, wherever possible, and determines that judgmental valuation      
adjustments, when applied, are based upon established policies and are      
 applied consistently over time. This committee also provides oversight of the
selection of independent third party pricing providers and the controls and 
procedures to evaluate third party pricing. Periodically, the Chief         
Accounting Officer reports to MetLife Insurance Company of Connecticut's    
Audit Committee regarding compliance with fair value accounting standards.  

The Company reviews its valuation methodologies on an ongoing basis and 
revises those methodologies when necessary based on changing market         
conditions. Assurance is gained on the overall reasonableness and consistent
 application of input assumptions, valuation methodologies and compliance with
fair value accounting standards through controls designed to ensure         
valuations represent an exit price. Several controls are utilized, including
certain monthly controls, which include, but are not limited to, analysis of
portfolio returns to corresponding benchmark returns, comparing a sample of 
executed prices of securities sold to the fair value estimates, comparing   
fair value estimates to management's knowledge of the current market,       
reviewing the bid/ask spreads to assess activity, comparing prices from     
multiple independent pricing services and ongoing due diligence to confirm  
that independent pricing services use market-based parameters. The process  
includes a determination of the observability of inputs used in estimated   
fair values received from independent pricing services or brokers by        
 assessing whether these inputs can be corroborated by observable market data.
The Company ensures that prices received from independent brokers, also     
 referred to herein as "consensus pricing," represent a reasonable estimate of
 fair value by considering such pricing relative to the Company's knowledge of
the current market dynamics and current pricing for similar financial       
instruments. While independent non-binding broker quotations are utilized,  
they are not used for a significant portion of the portfolio. For example,  
fixed maturity securities priced using independent non-binding broker       
quotations represent less than 1% of the total estimated fair value of fixed
 maturity securities and 9% 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,                                                       

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

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 and Short-term Investments                                       

  When available, the estimated fair value of these financial instruments is
based on quoted prices in active markets that are readily and regularly     
obtainable. Generally, these are the most liquid of the Company's securities
holdings and valuation of these securities does not involve management's    
judgment.                                                                   

 When quoted prices in active markets are not available, the determination
of estimated fair value is based on market standard valuation methodologies,
giving priority to observable inputs. The significant inputs to the market  
standard valuation methodologies for certain types of securities with       
 reasonable levels of price transparency are inputs that are observable in the
market or can be derived principally from, or corroborated by, observable   
market data. When observable inputs are not available, the market standard  
valuation methodologies rely on inputs that are significant to the estimated
fair value that are not observable in the market or cannot be derived       
principally from, or corroborated by, observable market data. These         
unobservable inputs can be based in large part on management's judgment or  
estimation and cannot be supported by reference to market activity. Even    
 though these inputs are unobservable, management believes they are consistent
with what other market participants would use when pricing such securities  
and are considered appropriate given the circumstances.                     

Level 2 Valuation Techniques and Key Inputs:                                

This level includes securities priced principally by independent pricing
services using observable inputs. Short-term investments within this level  
are of a similar nature and class to the Level 2 fixed maturity securities  
and equity securities.                                                      

U.S. corporate and foreign corporate securities                           

These securities are principally valued using the market and income   
 approaches. Valuations are based primarily on quoted prices in markets that
  are not active, or using matrix pricing or other similar techniques that use
standard market observable inputs such as benchmark yields, spreads off   
benchmark yields, new issuances, issuer rating, duration, and trades of   
identical or comparable securities. Privately-placed securities are valued
 using matrix pricing methodologies using standard market observable inputs,
and inputs derived from, or corroborated by, market observable data       
including market yield curve, duration, call provisions, observable prices
and spreads for similar publicly traded or privately traded issues that   
incorporate the credit quality and industry sector of the issuer, and in  
certain cases, delta spread adjustments to reflect specific credit-related
issues.                                                                   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

U.S. Treasury and agency securities                                       

These securities are principally valued using the market approach.    
Valuations are based primarily on quoted prices in markets that are not   
active, or using matrix pricing or other similar techniques using standard
 market observable inputs such as a benchmark U.S. Treasury yield curve, the
spread off the U.S. Treasury yield curve for the identical security and   
comparable securities that are actively traded.                           

Structured securities comprised of RMBS, ABS and CMBS                     

These securities are principally valued using the market and income   
approaches. Valuations are based primarily on matrix pricing, discounted  
cash flow methodologies or other similar techniques using standard market 
inputs, including spreads for actively traded securities, spreads off     
benchmark yields, expected prepayment speeds and volumes, current and     
 forecasted loss severity, rating, weighted average coupon, weighted average
maturity, average delinquency rates, geographic region, debt-service      
coverage ratios and issuance-specific information, including, but not     
  limited to: collateral type, payment terms of the underlying assets, payment
  priority within the tranche, structure of the security, deal performance and
vintage of loans.                                                         

State and political subdivision and foreign government securities         

These securities are principally valued using the market approach.    
  Valuations are based primarily on matrix pricing or other similar techniques
  using standard market observable inputs, including a benchmark U.S. Treasury
 yield or other yields, issuer ratings, broker-dealer quotes, issuer spreads
and reported trades of similar securities, including those within the same
sub-sector or with a similar maturity or credit rating.                   

Non-redeemable preferred and common stock                                 

These securities are principally valued using the market approach.    
Valuations are based principally on observable inputs including quoted    
prices in markets that are not considered active.                         

Level 3 Valuation Techniques and Key Inputs:                                

In general, securities classified within Level 3 use many of the same   
 valuation techniques and inputs as described previously for Level 2. However,
if key inputs are unobservable, or if the investments are less liquid and   
there is very limited trading activity, the investments are generally       
classified as Level 3. The use of independent non-binding broker quotations 
to value investments generally indicates there is a lack of liquidity or a  
lack of transparency in the process to develop the valuation estimates,     
generally causing these investments to be classified in Level 3.            

U.S. corporate and foreign corporate securities                           

   These securities, including financial services industry hybrid securities
classified within fixed maturity securities, are principally valued using 
the market approach. Valuations are based primarily on matrix pricing or  
other similar techniques that utilize unobservable inputs or inputs that  
cannot be derived principally from, or corroborated by, observable market 
data, including illiquidity premium, delta spread                         

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

adjustments to reflect specific credit-related issues, credit spreads; and
 inputs including quoted prices for identical or similar securities that are
less liquid and based on lower levels of trading activity than securities 
classified in Level 2. Certain valuations are based on independent        
non-binding broker quotations.                                            

Structured securities comprised of RMBS, ABS and CMBS                     

These securities are principally valued using the market and income   
approaches. Valuations are based primarily on matrix pricing, discounted  
  cash flow methodologies or other similar techniques that utilize inputs that
 are unobservable or cannot be derived principally from, or corroborated by,
observable market data, including credit spreads. Below investment grade  
securities and sub-prime RMBS included in this level are valued based on  
 inputs including quoted prices for identical or similar securities that are
less liquid and based on lower levels of trading activity than securities 
 classified in Level 2. Certain of these valuations are based on independent
non-binding broker quotations.                                            

Foreign government securities                                             

These securities are principally valued using the market approach.    
 Valuations are based primarily on independent non-binding broker quotations
  and inputs, including quoted prices for identical or similar securities that
are less liquid and based on lower levels of trading activity than        
securities classified in Level 2. Certain valuations are based on matrix  
pricing that utilize inputs that are unobservable or cannot be derived    
principally from, or corroborated by, observable market data, including   
credit spreads.                                                           

Non-redeemable preferred stock                                            

These securities, including privately-held securities and financial   
  services industry hybrid securities classified within equity securities, are
principally valued using the market and income approaches. Valuations are 
based primarily on matrix pricing, discounted cash flow methodologies or  
other similar techniques using inputs such as comparable credit rating and
issuance structure. Certain of these securities are valued based on inputs
including quoted prices for identical or similar securities that are less 
liquid and based on lower levels of trading activity than securities      
classified in Level 2 and independent non-binding broker quotations.      

Separate Account Assets                                                     

   Separate account assets are carried at estimated fair value and reported as
a summarized total on the consolidated balance sheets. The estimated fair   
value of separate account assets is based on the estimated fair value of the
underlying assets. Separate account assets include: mutual funds, fixed     
maturity securities, equity securities, derivatives, short-term investments 
and cash and cash equivalents.                                              

Level 2 Valuation Techniques and Key Inputs:                                

   These assets are comprised of investments that are similar in nature to the
instruments described under "-- Securities and Short-term Investments." Also
included are certain mutual funds without readily determinable fair values, 
as prices are not published publicly. Valuation of the mutual funds is based
upon quoted prices or reported NAV provided by the fund managers.           

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MetLife Investors USA Insurance Company 
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Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

Derivatives                                                                   

The estimated fair value of derivatives is determined through the use of  
quoted market prices for exchange-traded derivatives or through the use of    
pricing models for OTC-bilateral and OTC-cleared derivatives. The             
determination of estimated fair value, when quoted market values are not      
available, is based on market standard valuation methodologies and inputs that
management believes are consistent with what other market participants would  
use when pricing such instruments. Derivative valuations can be affected by   
changes in interest rates, foreign currency exchange rates, financial indices,
credit spreads, default risk, nonperformance risk, volatility, liquidity and  
changes in estimates and assumptions used in the pricing models. The valuation
controls and procedures for derivatives are described in "-- Investments."    

The significant inputs to the pricing models for most OTC-bilateral and   
OTC-cleared derivatives are inputs that are observable in the market or can be
derived principally from, or corroborated by, observable market data.         
Significant inputs that are observable generally include: interest rates,     
foreign currency exchange rates, interest rate curves, credit curves and      
volatility. However, certain OTC-bilateral and OTC-cleared derivatives may    
rely on inputs that are significant to the estimated fair value that are not  
observable in the market or cannot be derived principally from, or            
corroborated by, observable market data. Significant inputs that are          
unobservable generally include references to emerging market currencies and   
inputs that are outside the observable portion of the interest rate curve,    
credit curve, volatility or other relevant market measure. These unobservable 
inputs may involve significant management judgment or estimation. Even though 
unobservable, these inputs are based on assumptions deemed appropriate given  
the circumstances and management believes they are consistent with what other 
market participants would use when pricing such instruments.                  

Most inputs for OTC-bilateral and OTC-cleared derivatives are mid-market  
inputs but, in certain cases, liquidity adjustments are made when they are    
deemed more representative of exit value. Market liquidity, as well as the use
of different methodologies, assumptions and inputs, may have a material effect
on the estimated fair values of the Company's derivatives and could materially
affect net income.                                                            

The credit risk of both the counterparty and the Company are considered in
determining the estimated fair value for all OTC-bilateral and OTC-cleared    
derivatives, and any potential credit adjustment is based on the net exposure 
by counterparty after taking into account the effects of netting agreements   
and collateral arrangements. The Company values its OTC-bilateral and         
OTC-cleared derivatives using standard swap curves which may include a spread 
to the risk free rate, depending upon specific collateral arrangements. This  
credit spread is appropriate for those parties that execute trades at pricing 
levels consistent with similar collateral arrangements. As the Company and its
significant derivative counterparties generally execute trades at such pricing
levels and hold sufficient collateral, additional credit risk adjustments are 
not currently required in the valuation process. The Company's ability to     
consistently execute at such pricing levels is in part due to the netting     
agreements and collateral arrangements that are in place with all of its      
significant derivative counterparties. An evaluation of the requirement to    
make additional credit risk adjustments is performed by the Company each      
reporting period.                                                             

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

Freestanding Derivatives                                                    

Level 2 Valuation Techniques and Key Inputs:                                

 This level includes all types of derivatives utilized by the Company with
the exception of exchange-traded derivatives included within Level 1 and    
those derivatives with unobservable inputs as described in Level 3. These   
derivatives are principally valued using the income approach.               

Interest rate                                                             

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve and basis
curves.                                                                   

    Option-based. Valuations are based on option pricing models, which utilize
significant inputs that may include the swap yield curve, basis curves and
interest rate volatility.                                                 

Foreign currency exchange rate                                            

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve, basis   
curves, currency spot rates and cross currency basis curves.              

Credit                                                                    

   Non-option-based. Valuations are based on present value techniques, which
utilize significant inputs that may include the swap yield curve, credit  
curves and recovery rates.                                                

Level 3 Valuation Techniques and Key Inputs:                                

These derivatives are principally valued using the income approach.     
Valuations of non-option-based derivatives utilize present value techniques,
 whereas valuations of option-based derivatives utilize option pricing models.
These valuation methodologies generally use the same inputs as described in 
the corresponding sections above for Level 2 measurements of derivatives.   
However, these derivatives result in Level 3 classification because one or  
more of the significant inputs are not observable in the market or cannot be
derived principally from, or corroborated by, observable market data.       

Interest rate                                                             

Non-option-based. Significant unobservable inputs may include the     
extrapolation beyond observable limits of the swap yield curve and basis  
curves.                                                                   

Credit                                                                    

Non-option-based. Significant unobservable inputs may include credit  
 spreads, repurchase rates and the extrapolation beyond observable limits of
the swap yield curve and credit curves.                                   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

Embedded Derivatives                                                          

Embedded derivatives principally include certain direct and ceded variable
annuity guarantees and embedded derivatives related to funds withheld on ceded
reinsurance. Embedded derivatives are recorded 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 in the  
consolidated balance sheets.                                                  

  The fair value of these embedded derivatives, estimated as the present value
of projected future benefits minus the present value of projected future fees 
using actuarial and capital market assumptions including expectations         
concerning policyholder behavior, is calculated by the Company's actuarial    
department. The calculation is based on in-force business, and is performed   
using standard actuarial valuation software which projects future cash flows  
from the embedded derivative over multiple risk neutral stochastic scenarios  
using observable risk free rates.                                             

Capital market assumptions, such as risk free rates and implied           
volatilities, are based on market prices for publicly traded instruments to   
the extent that prices for such instruments are observable. Implied           
volatilities beyond the observable period are extrapolated based on observable
implied volatilities and historical volatilities. Actuarial assumptions,      
including mortality, lapse, withdrawal and utilization, are unobservable and  
are reviewed at least annually based on actuarial studies of historical       
experience.                                                                   

The valuation of these guarantee liabilities includes nonperformance risk 
adjustments and adjustments for a risk margin related to non-capital market   
inputs. The nonperformance adjustment is determined by taking into            
consideration publicly available information relating to spreads in the       
secondary market for MetLife's debt, including related credit default swaps.  
These observable spreads are then adjusted, as necessary, to reflect the      
priority of these liabilities and the claims paying ability of the issuing    
insurance subsidiaries compared to MetLife.                                   

 Risk margins are established to capture the non-capital market risks of the
instrument which represent the additional compensation a market participant   
would require to assume the risks related to the uncertainties of such        
actuarial assumptions as annuitization, premium persistency, partial          
withdrawal and surrenders. The establishment of risk margins requires the use 
of significant management judgment, including assumptions of the amount and   
cost of capital needed to cover the guarantees. These guarantees may be more  
costly than expected in volatile or declining equity markets. Market          
conditions including, but not limited to, changes in interest rates, equity   
indices, market volatility and foreign currency exchange rates; changes in    
nonperformance risk; and variations in actuarial assumptions regarding        
policyholder behavior, mortality and risk margins related to non-capital      
market inputs, may result in significant fluctuations in the estimated fair   
value of the guarantees that could materially affect net income.              

  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                                                                          

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

cedes, to the same affiliated reinsurance company, certain directly written   
GMIBs that are accounted for as insurance (i.e., not as embedded derivatives),
but where the reinsurance agreement contains an embedded derivative. These    
embedded derivatives are included within premiums, reinsurance and other      
receivables in the consolidated balance sheets with changes in estimated fair 
value reported in net derivative gains (losses). The value of the embedded    
derivatives on the ceded risk is determined using a methodology consistent    
with that described previously for the guarantees directly written by the     
Company with the exception of the input for nonperformance risk that reflects 
the credit of the reinsurer.                                                  

The estimated fair value of the embedded derivatives within funds withheld
related to certain ceded reinsurance is determined based on the change in     
estimated fair value of the underlying assets held by the Company in a        
reference portfolio backing the funds withheld liability. The estimated fair  
value of the underlying assets is determined as previously described in "--   
Investments -- Securities and Short-term Investments." The estimated fair     
value of these embedded derivatives is included, along with their funds       
withheld hosts, in other liabilities in the consolidated balance sheets with  
changes in estimated fair value recorded in net derivative gains (losses).    
Changes in the credit spreads on the underlying assets, interest rates and    
market volatility may result in significant fluctuations in the estimated fair
value of these embedded derivatives that could materially affect net income.  

Embedded Derivatives Within Asset and Liability Host Contracts              

Level 3 Valuation Techniques and Key Inputs:                                

Direct guaranteed minimum benefits                                        

These embedded derivatives are principally valued using the income    
approach. Valuations are based on option pricing techniques, which utilize
significant inputs that may include swap yield curve, currency exchange   
  rates and implied volatilities. These embedded derivatives result in Level 3
classification because one or more of the significant inputs are not      
observable in the market or cannot be derived principally from, or        
corroborated by, observable market data. Significant unobservable inputs  
generally include: the extrapolation beyond observable limits of the swap 
  yield curve and implied volatilities, actuarial assumptions for policyholder
behavior and mortality and the potential variability in policyholder      
  behavior and mortality, nonperformance risk and cost of capital for purposes
of calculating the risk margin.                                           

Reinsurance ceded on certain guaranteed minimum benefits                  

These embedded derivatives are principally valued using the income    
approach. The valuation techniques and significant market standard        
unobservable inputs used in their valuation are similar to those described
above in "-- Direct Guaranteed Minimum Benefits" and also include         
counterparty credit spreads.                                              

Transfers between Levels                                                      

Overall, transfers between levels occur when there are changes in the     
observability of inputs and market activity. Transfers into or out of any     
level are assumed to occur at the beginning of the period.                    

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

Transfers between Levels 1 and 2:                                           

 There were no transfers between Levels 1 and 2 for assets and liabilities
  measured at estimated fair value and still held at December 31, 2013 and 2012.

Transfers into or out of Level 3:                                           

Assets and liabilities are transferred into Level 3 when a significant  
input cannot be corroborated with market observable data. This occurs when  
market activity decreases significantly and underlying inputs cannot be     
 observed, current prices are not available, and/or when there are significant
variances in quoted prices, thereby affecting transparency. Assets and      
liabilities are transferred out of Level 3 when circumstances change such   
that a significant input can be corroborated with market observable data.   
This may be due to a significant increase in market activity, a specific    
event, or one or more significant input(s) becoming observable.             

  Transfers into Level 3 for fixed maturity securities were due primarily to
 a lack of trading activity, decreased liquidity and credit ratings downgrades
(e.g., from investment grade to below investment grade) which have resulted 
in decreased transparency of valuations and an increased use of independent 
non-binding broker quotations and unobservable inputs, such as illiquidity  
premiums, delta spread adjustments, or credit spreads.                      

 Transfers out of Level 3 for fixed maturity securities resulted primarily
from increased transparency of both new issuances that, subsequent to       
issuance and establishment of trading activity, became priced by independent
 pricing services and existing issuances that, over time, the Company was able
to obtain pricing from, or corroborate pricing received from, independent   
pricing services with observable inputs (such as observable spreads used in 
pricing securities) or increases in market activity and upgraded credit     
ratings.                                                                    

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

Assets and Liabilities Measured at Fair Value Using Significant Unobservable    
Inputs (Level 3)                                                                

The following table presents certain quantitative information about the     
significant unobservable inputs used in the fair value measurement, and the     
sensitivity of the estimated fair value to changes in those inputs, for the     
more significant asset and liability classes measured at fair value on a        
recurring basis using significant unobservable inputs (Level 3) at:             

                                                        [Enlarge/Download Table]

                                                                                  December 31, 2013        
                                                                             ---------------------------   
                             Valuation                 Significant                              Weighted   
                             Techniques            Unobservable Inputs            Range        Average (1) 
                       -----------------------  ---------------------------  --------------    ----------- 
                                                                                                           
Fixed maturity securities: (3)                                                                             
 U.S. corporate and    .  Matrix pricing        .  Delta spread               (10)  -     240       23     
  foreign corporate                               adjustments (4)                                          
                                                .  Illiquidity premium (4)      30  -      30       30     
                                                .  Credit spreads (4)         (40)  -     482      212     
                                                .  Offered quotes (5)           99  -      99       99     
                       .  Consensus pricing     .  Offered quotes (5)                                      
                       ------------------------------------------------------------------------------------
 RMBS                  .  Matrix pricing and    .  Credit spreads (4)           97  -   1,225      385     
                         discounted cash flow                                                              
                       .  Market pricing        .  Quoted prices (5)            93  -     100       93     
                       .  Consensus pricing     .  Offered quotes (5)          100  -     100      100     
                       ------------------------------------------------------------------------------------
 CMBS                  .  Matrix pricing and    .  Credit spreads (4)          500  -     500      500     
                         discounted cash flow                                                              
                       .  Market pricing        .  Quoted prices (5)           100  -     104      101     
                       ------------------------------------------------------------------------------------
 ABS                   .  Matrix pricing and    .  Credit spreads (4)                                      
                         discounted cash flow                                                              
                       .  Market pricing        .  Quoted prices (5)           100  -     104      101     
                       .  Consensus pricing     .  Offered quotes (5)           77  -     106       99     
                       ------------------------------------------------------------------------------------
Derivatives:                                                                                               
 Interest rate         .  Present value         .  Swap yield (7)              401  -     450              
                         techniques                                                                        
                       ------------------------------------------------------------------------------------
 Credit                .  Present value         .  Credit spreads (8)           99  -     100              
                         techniques                                                                        
                       ------------------------------------------------------------------------------------
Embedded derivatives:                                                                                      
 Direct and ceded      .  Option pricing        .  Mortality rates:                                        
  guaranteed             techniques                Ages  0 - 40                  0% -    0.10%             
  minimum benefits                                 Ages 41 - 60               0.04% -    0.65%             
                                                   Ages 61 -115               0.26% -     100%             
                                                .  Lapse rates:                                            
                                                   Durations 1 -10            0.50% -     100%             
                                                   Durations 11 -20              3% -     100%             
                                                   Durations 21 -116             3% -     100%             
                                                .  Utilization rates            20% -      50%             
                                                .  Withdrawal rates           0.07% -      10%             
                                                .  Long-term equity          17.40% -      25%             
                                                  volatilities                                             
                                                .  Nonperformance             0.03% -    1.32%             
                                                  risk spread                                              
                       ------------------------------------------------------------------------------------
                                                        [Enlarge/Download Table]

                                                                                  December 31, 2012           Impact of      
                                                                             ---------------------------   Increase in Input 
                             Valuation                 Significant                              Weighted     on Estimated    
                             Techniques            Unobservable Inputs            Range        Average (1)  Fair Value (2)   
                       -----------------------  ---------------------------  --------------    ----------- ----------------- 
                                                                                                                             
Fixed maturity securities: (3)                                                                                               
 U.S. corporate and    .  Matrix pricing        .  Delta spread                  9  -     240        60       Decrease       
  foreign corporate                               adjustments (4)                                                            
                                                .  Illiquidity premium (4)      30  -      30        30       Decrease       
                                                .  Credit spreads (4)           23  -     653       163       Decrease       
                                                .  Offered quotes (5)                                         Increase       
                       .  Consensus pricing     .  Offered quotes (5)           68  -     103        90       Increase       
                       ------------------------------------------------------------------------------------------------------
 RMBS                  .  Matrix pricing and    .  Credit spreads (4)          100  -   1,213       610     Decrease (6)     
                         discounted cash flow                                                                                
                       .  Market pricing        .  Quoted prices (5)           100  -     100       100     Increase (6)     
                       .  Consensus pricing     .  Offered quotes (5)                                       Increase (6)     
                       ------------------------------------------------------------------------------------------------------
 CMBS                  .  Matrix pricing and    .  Credit spreads (4)          100  -   1,250     1,250     Decrease (6)     
                         discounted cash flow                                                                                
                       .  Market pricing        .  Quoted prices (5)           100  -     104       104     Increase (6)     
                       ------------------------------------------------------------------------------------------------------
 ABS                   .  Matrix pricing and    .  Credit spreads (4)          101  -     102       101     Decrease (6)     
                         discounted cash flow                                                                                
                       .  Market pricing        .  Quoted prices (5)           100  -     101       100     Increase (6)     
                       .  Consensus pricing     .  Offered quotes (5)          111  -     111       111     Increase (6)     
                       ------------------------------------------------------------------------------------------------------
Derivatives:                                                                                                                 
 Interest rate         .  Present value         .  Swap yield (7)              296  -     340               Increase (9)     
                         techniques                                                                                          
                       ------------------------------------------------------------------------------------------------------
 Credit                .  Present value         .  Credit spreads (8)          100  -     100               Decrease (8)     
                         techniques                                                                                          
                       ------------------------------------------------------------------------------------------------------
Embedded derivatives:                                                                                                        
 Direct and ceded      .  Option pricing        .  Mortality rates:                                                          
  guaranteed             techniques                Ages  0 - 40                  0% -    0.10%              Decrease (10)    
  minimum benefits                                 Ages 41 - 60               0.05% -    0.64%              Decrease (10)    
                                                   Ages 61 -115               0.32% -     100%              Decrease (10)    
                                                .  Lapse rates:                                                              
                                                   Durations 1 -10            0.50% -     100%              Decrease (11)    
                                                   Durations 11 -20              3% -     100%              Decrease (11)    
                                                   Durations 21 -116             3% -     100%              Decrease (11)    
                                                .  Utilization rates            20% -      50%              Increase (12)    
                                                .  Withdrawal rates           0.07% -      10%                      (13)     
                                                .  Long-term equity          17.40% -      25%              Increase (14)    
                                                  volatilities                                                               
                                                .  Nonperformance             0.10% -    0.67%              Decrease (15)    
                                                  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.                 

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

(3)Significant increases (decreases) in expected default rates in isolation     
would result in substantially lower (higher) valuations.                  

(4)Range and weighted average are presented in basis points.                    

(5)Range and weighted average are presented in accordance with the market       
convention for fixed maturity securities of dollars per hundred dollars of
par.                                                                      

(6)Changes in the assumptions used for the probability of default is            
  accompanied by a directionally similar change in the assumption used for the
loss severity and a directionally opposite change in the assumptions used 
for prepayment rates.                                                     

(7)Ranges represent the rates across different yield curves and are presented   
in basis points. The swap yield curve is utilized among different types of
 derivatives to project cash flows, as well as to discount future cash flows
to present value. Since this valuation methodology uses a range of inputs 
across a yield curve to value the derivative, presenting a range is more  
representative of the unobservable input used in the valuation.           

(8)Represents the risk quoted in basis points of a credit default event on the  
  underlying instrument. The range being provided is a single quoted spread in
  the valuation model. Credit derivatives with significant unobservable inputs
are primarily comprised of written credit default swaps.                  

(9)Changes are based on long U.S. dollar net asset positions and will be        
inversely impacted for short U.S. dollar net asset positions.             

(10)Mortality rates vary by age and by demographic characteristics such as      
gender. Mortality rate assumptions are based on company experience. A   
 mortality improvement assumption is also applied. For any given contract,
mortality rates vary throughout the period over which cash flows are    
projected for purposes of valuing the embedded derivative.              

(11)Base lapse rates are adjusted at the contract level based on a comparison   
of the actuarially calculated guaranteed values and the current         
policyholder account value, as well as other factors, such as the       
applicability of any surrender charges. A dynamic lapse function reduces
  the base lapse rate when the guaranteed amount is greater than the account
 value as in the money contracts are less likely to lapse. Lapse rates are
also generally assumed to be lower in periods when a surrender charge   
applies. For any given contract, lapse rates vary throughout the period 
over which cash flows are projected for purposes of valuing the embedded
derivative.                                                             

(12)The utilization rate assumption estimates the percentage of contract        
holders with a GMIB or lifetime withdrawal benefit who will elect to    
  utilize the benefit upon becoming eligible. The rates may vary by the type
   of guarantee, the amount by which the guaranteed amount is greater than the
account value, the contract's withdrawal history and by the age of the  
   policyholder. For any given contract, utilization rates vary throughout the
period over which cash flows are projected for purposes of valuing the  
embedded derivative.                                                    

(13)The withdrawal rate represents the percentage of account balance that any   
  given policyholder will elect to withdraw from the contract each year. The
  withdrawal rate assumption varies by age and duration of the contract, and
also by other factors such as benefit type. For any given contract,     
withdrawal rates vary throughout the period over which cash flows are   
 projected for purposes of valuing the embedded derivative. For GMWBs, any
 increase (decrease) in withdrawal rates results in an increase (decrease)
in the estimated fair value of the guarantees. For GMABs and GMIBs, any 
   increase (decrease) in withdrawal rates results in a decrease (increase) in
the estimated fair value.                                               

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

(14)Long-term equity volatilities represent equity volatility beyond the period 
for which observable equity volatilities are available. For any given   
   contract, long-term equity volatility rates vary throughout the period over
which cash flows are projected for purposes of valuing the embedded     
derivative.                                                             

(15)Nonperformance risk spread varies by duration and by currency. For any      
  given contract, multiple nonperformance risk spreads will apply, depending
 on the duration of the cash flow being discounted for purposes of valuing
the embedded derivative.                                                

The following is a summary of the valuation techniques and significant      
unobservable inputs used in the fair value measurement of assets and            
liabilities classified within Level 3 that are not included in the preceding    
table. Generally, all other classes of securities classified within Level 3,    
including those within 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 Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

The following tables summarize the change of all assets and (liabilities)   
measured at estimated fair value on a recurring basis using significant         
unobservable inputs (Level 3):                                                  

                                                        [Enlarge/Download Table]

                                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                               -----------------------------------------------------------------------
                                                          Fixed Maturity Securities:                                  
                                               -----------------------------------------------------------------------
                                                 U.S.         Foreign                                     Foreign     
                                               Corporate     Corporate      RMBS       ABS      CMBS     Government   
                                               ---------     ---------       ------     -----    -----   ----------   
                                                                 (In millions)                                        
                                                                                                                      
Year Ended December 31, 2013:                                                                                         
Balance at January 1,.........................  $  233        $  306       $   48     $  72     $  11     $     2     
Total realized/unrealized gains (losses)                                                                              
  included in:                                                                                                        
 Net income (loss): (1), (2)..................                                                                        
   Net investment income......................     (1)            --           --         1        --          --     
   Net investment gains (losses)..............      --           (3)           --        --        --          --     
   Net derivative gains (losses)..............      --            --           --        --        --          --     
 OCI..........................................     (9)             6            3       (2)        --          --     
Purchases (3).................................      36            38           72        46        27          --     
Sales (3).....................................    (19)          (28)          (3)       (9)       (3)         (2)     
Issuances (3).................................      --            --           --        --        --          --     
Settlements (3)...............................      --            --           --        --        --          --     
Transfers into Level 3 (4)....................      26            11            1        --        --          --     
Transfers out of Level 3 (4)..................    (92)          (22)          (4)      (13)        --          --     
                                                ------        ------         ------     -----    -----    -------     
Balance at December 31,.......................  $  174        $  308       $  117     $  95     $  35     $    --     
                                                ======        ======         ======     =====    =====    =======     
Changes in unrealized gains (losses) included                                                                         
  in net income (loss): (5)                                                                                           
 Net investment income........................  $  (1)        $   --       $   --     $   1     $  --     $    --     
 Net investment gains (losses)................  $   --        $   --       $   --     $  --     $  --     $    --     
 Net derivative gains (losses)................  $   --        $   --       $   --     $  --     $  --     $    --     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                               -----------------------------------------------------------------------
                                               Equity Securities:                 Net Derivatives: (6)                
                                               ------------------                 -------------------                 
                                                      Non-                                                            
                                                   redeemable                                                Net      
                                                   Preferred        Short-term    Interest                Embedded    
                                                     Stock          Investments     Rate      Credit   Derivatives (7)
                                               ------------------   -----------   --------    ------   ---------------
                                                                       (In millions)                                  
                                                                                                                      
Year Ended December 31, 2013:                                                                                         
Balance at January 1,.........................     $       1          $    --      $  53      $   1      $    2,679   
Total realized/unrealized gains (losses)                                                                              
  included in:                                                                                                        
 Net income (loss): (1), (2)..................                                                                        
   Net investment income......................            --               --         --         --              --   
   Net investment gains (losses)..............            --               --         --         --              --   
   Net derivative gains (losses)..............            --               --        (3)        (1)           (932)   
 OCI..........................................            --               --       (34)         --              --   
Purchases (3).................................            --               --         --         --              --   
Sales (3).....................................           (1)               --         --         --              --   
Issuances (3).................................            --               --         --         --              --   
Settlements (3)...............................            --               --       (13)         --             109   
Transfers into Level 3 (4)....................            --               --         --         --              --   
Transfers out of Level 3 (4)..................            --               --         --         --              --   
                                                   ---------          -------      -----      -----      ----------   
Balance at December 31,.......................     $      --          $    --      $   3      $  --      $    1,856   
                                                   =========          =======      =====      =====      ==========   
Changes in unrealized gains (losses) included                                                                         
  in net income (loss): (5)                                                                                           
 Net investment income........................     $      --          $    --      $  --      $  --      $       --   
 Net investment gains (losses)................     $      --          $    --      $  --      $  --      $       --   
 Net derivative gains (losses)................     $      --          $    --      $  --      $  --      $    (900)   

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                                  Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                                  -----------------------------------------------------------------------
                                                             Fixed Maturity Securities:                                  
                                                  -----------------------------------------------------------------------
                                                    U.S.         Foreign                                     Foreign     
                                                  Corporate     Corporate     RMBS       ABS      CMBS      Government   
                                                  ---------     ---------       -----     -----     -----   ----------   
                                                                   (In millions)                                         
                                                                                                                         
Year Ended December 31, 2012:                                                                                            
Balance at January 1,............................  $  141        $  144       $  33     $  55     $  12      $     2     
Total realized/unrealized gains (losses)                                                                                 
  included in:                                                                                                           
 Net income (loss): (1), (2).....................                                                                        
   Net investment income.........................      --            --          --        --        --           --     
   Net investment gains (losses).................      --            --          --        --        --           --     
   Net derivative gains (losses).................      --            --          --        --        --           --     
 OCI.............................................       9            16           3         2        --           --     
Purchases (3)....................................      75           121          19        26        --           --     
Sales (3)........................................    (11)           (1)         (7)       (6)      (11)           --     
Issuances (3)....................................      --            --          --        --        --           --     
Settlements (3)..................................      --            --          --        --        --           --     
Transfers into Level 3 (4).......................      27            26          --        --        10           --     
Transfers out of Level 3 (4).....................     (8)            --          --       (5)        --           --     
                                                   ------        ------         -----     -----     -----    -------     
Balance at December 31,..........................  $  233        $  306       $  48     $  72     $  11      $     2     
                                                   ======        ======         =====     =====     =====    =======     
Changes in unrealized gains (losses) included in                                                                         
  net income (loss): (5)                                                                                                 
 Net investment income...........................  $   --        $   --       $  --     $  --     $  --      $    --     
 Net investment gains (losses)...................  $   --        $   --       $  --     $  --     $  --      $    --     
 Net derivative gains (losses)...................  $   --        $   --       $  --     $  --     $  --      $    --     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                               -----------------------------------------------------------------------
                                               Equity Securities:                 Net Derivatives: (6)                
                                               ------------------                 -------------------                 
                                                      Non-                                                            
                                                   redeemable                                                Net      
                                                   Preferred        Short-term    Interest                Embedded    
                                                     Stock          Investments     Rate      Credit   Derivatives (7)
                                               ------------------   -----------   --------    ------   ---------------
                                                                       (In millions)                                  
                                                                                                                      
Year Ended December 31, 2012:                                                                                         
Balance at January 1,.........................      $      1          $    --      $  87      $   1       $  1,463    
Total realized/unrealized gains (losses)                                                                              
  included in:                                                                                                        
 Net income (loss): (1), (2)..................                                                                        
   Net investment income......................            --               --         --         --             --    
   Net investment gains (losses)..............            --               --         --         --             --    
   Net derivative gains (losses)..............            --               --          2         --          1,097    
 OCI..........................................            --               --        (1)         --             --    
Purchases (3).................................            --               --         --         --             --    
Sales (3).....................................            --               --         --         --             --    
Issuances (3).................................            --               --         --         --             --    
Settlements (3)...............................            --               --       (35)         --            119    
Transfers into Level 3 (4)....................            --               --         --         --             --    
Transfers out of Level 3 (4)..................            --               --         --         --             --    
                                                    --------          -------      -----      -----       --------    
Balance at December 31,.......................      $      1          $    --      $  53      $   1       $  2,679    
                                                    ========          =======      =====      =====       ========    
Changes in unrealized gains (losses) included                                                                         
  in net income (loss): (5)                                                                                           
 Net investment income........................      $     --          $    --      $  --      $  --       $     --    
 Net investment gains (losses)................      $     --          $    --      $  --      $  --       $     --    
 Net derivative gains (losses)................      $     --          $    --      $  --      $  --       $  1,114    

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                                  Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                                  -----------------------------------------------------------------------
                                                             Fixed Maturity Securities:                                  
                                                  -----------------------------------------------------------------------
                                                    U.S.         Foreign                                     Foreign     
                                                  Corporate     Corporate     RMBS       ABS      CMBS      Government   
                                                  ---------     ---------       -----     -----     -----   ----------   
                                                                   (In millions)                                         
                                                                                                                         
Year Ended December 31, 2011:                                                                                            
Balance at January 1,............................  $  162        $   91       $  41     $  55     $   7      $     4     
Total realized/unrealized gains (losses)                                                                                 
  included in:                                                                                                           
 Net income (loss): (1), (2).....................                                                                        
   Net investment income.........................      --            --          --        --        --           --     
   Net investment gains (losses).................      --            --          --        --         1           --     
   Net derivative gains (losses).................      --            --          --        --        --           --     
 OCI.............................................      11           (3)          --         1        --           --     
Purchases (3)....................................      34            70          10        49         7           --     
Sales (3)........................................     (7)          (15)         (8)       (9)       (3)          (2)     
Issuances (3)....................................      --            --          --        --        --           --     
Settlements (3)..................................      --            --          --        --        --           --     
Transfers into Level 3 (4).......................      --             3          --        --        --           --     
Transfers out of Level 3 (4).....................    (59)           (2)        (10)      (41)        --           --     
                                                   ------        ------         -----     -----     -----    -------     
Balance at December 31,..........................  $  141        $  144       $  33     $  55     $  12      $     2     
                                                   ======        ======         =====     =====     =====    =======     
Changes in unrealized gains (losses) included in                                                                         
  net income (loss): (5)                                                                                                 
 Net investment income...........................  $   --        $   --       $  --     $  --     $  --      $    --     
 Net investment gains (losses)...................  $   --        $   --       $  --     $  --     $  --      $    --     
 Net derivative gains (losses)...................  $   --        $   --       $  --     $  --     $  --      $    --     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

                                                        [Enlarge/Download Table]

                                               Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
                                               -----------------------------------------------------------------------
                                               Equity Securities:                 Net Derivatives: (6)                
                                               ------------------                 -------------------                 
                                                      Non-                                                            
                                                   redeemable                                                Net      
                                                   Preferred        Short-term    Interest                Embedded    
                                                     Stock          Investments     Rate      Credit   Derivatives (7)
                                               ------------------   -----------   --------    ------   ---------------
                                                                       (In millions)                                  
                                                                                                                      
Year Ended December 31, 2011:                                                                                         
Balance at January 1,.........................      $      1          $     6      $(48)      $   1       $    786    
Total realized/unrealized gains (losses)                                                                              
  included in:                                                                                                        
 Net income (loss): (1), (2)..................                                                                        
   Net investment income......................            --               --         --         --             --    
   Net investment gains (losses)..............           (1)               --         --         --             --    
   Net derivative gains (losses)..............            --               --          9         --            534    
 OCI..........................................             1               --        135         --             --    
Purchases (3).................................            --               --         --         --             --    
Sales (3).....................................            --              (6)         --         --             --    
Issuances (3).................................            --               --         --         --             --    
Settlements (3)...............................            --               --        (9)         --            143    
Transfers into Level 3 (4)....................            --               --         --         --             --    
Transfers out of Level 3 (4)..................            --               --         --         --             --    
                                                    --------          -------      -----      -----       --------    
Balance at December 31,.......................      $      1          $    --      $  87      $   1       $  1,463    
                                                    ========          =======      =====      =====       ========    
Changes in unrealized gains (losses) included                                                                         
  in net income (loss): (5)                                                                                           
 Net investment income........................      $     --          $    --      $  --      $  --       $     --    
 Net investment gains (losses)................      $    (1)          $    --      $  --      $  --       $     --    
 Net derivative gains (losses)................      $     --          $    --      $  --      $  --       $    544    

--------                                                                        

(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.                                                          

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

Fair Value of Financial Instruments Carried at Other Than Fair Value            

 The following tables provide fair value information for financial instruments
that are carried on the balance sheet at amounts other than fair value. These   
tables exclude the following financial instruments: cash and cash equivalents,  
accrued investment income, 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, 2013                 
                                             --------------------------------------------------
                                                          Fair Value Hierarchy                 
                                                      -----------------------------   Total    
                                             Carrying                               Estimated  
                                              Value     Level 1   Level 2   Level 3 Fair Value 
                                             -------- --------- --------- --------- -----------
                                                               (In millions)                   
                                                                                               
Assets                                                                                         
Mortgage loans.............................. $  1,826 $     --  $     --  $  1,940  $     1,940
Policy loans................................ $    151 $     --  $    114  $     39  $       153
Real estate joint ventures.................. $      8 $     --  $     --  $     10  $        10
Other limited partnership interests......... $     11 $     --  $     --  $     13  $        13
Other invested assets....................... $    250 $     --  $    270  $     --  $       270
Premiums, reinsurance and other receivables. $  5,337 $     --  $     --  $  5,744  $     5,744
Liabilities                                                                                    
PABs........................................ $  6,203 $     --  $     --  $  6,576  $     6,576
Long-term debt.............................. $     40 $     --  $     46  $     --  $        46
Other liabilities........................... $    191 $     --  $     30  $    161  $       191
Separate account liabilities................ $  1,196 $     --  $  1,196  $     --  $     1,196

                                                        [Enlarge/Download Table]

                                                             December 31, 2012                 
                                             --------------------------------------------------
                                                          Fair Value Hierarchy                 
                                                      -----------------------------   Total    
                                             Carrying                               Estimated  
                                              Value     Level 1   Level 2   Level 3 Fair Value 
                                             -------- --------- --------- --------- -----------
                                                               (In millions)                   
                                                                                               
Assets                                                                                         
Mortgage loans.............................. $  1,678 $     --  $     --  $  1,855  $     1,855
Policy loans................................ $    130 $     --  $     95  $     38  $       133
Real estate joint ventures.................. $      7 $     --  $     --  $      9  $         9
Other limited partnership interests......... $     12 $     --  $     --  $     13  $        13
Other invested assets....................... $    126 $     --  $    161  $     --  $       161
Premiums, reinsurance and other receivables. $  5,387 $     --  $      2  $  6,195  $     6,197
Liabilities                                                                                    
PABs........................................ $  7,497 $     --  $     --  $  8,237  $     8,237
Long-term debt.............................. $     41 $     --  $     41  $     --  $        41
Other liabilities........................... $    169 $     --  $     13  $    156  $       169
Separate account liabilities................ $  1,030 $     --  $  1,030  $     --  $     1,030

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

 The methods, assumptions and significant valuation techniques and inputs used
to estimate the fair value of financial instruments are summarized as follows:  

Mortgage Loans                                                                

For mortgage loans, estimated fair value is primarily determined by       
estimating expected future cash flows and discounting them using current      
interest rates for similar mortgage loans with similar credit risk, or is     
determined from pricing for similar loans.                                    

Policy Loans                                                                  

Policy loans with fixed interest rates are classified within Level 3. The 
estimated fair values for these loans are determined using a discounted cash  
flow model applied to groups of similar policy loans determined by the nature 
of the underlying insurance liabilities. Cash flow estimates are developed by 
applying a weighted-average interest rate to the outstanding principal balance
of the respective group of policy loans and an estimated average maturity     
determined through experience studies of the past performance of policyholder 
repayment behavior for similar loans. These cash flows are discounted using   
current risk-free interest rates with no adjustment for borrower credit risk  
as these loans are fully collateralized by the cash surrender value of the    
underlying insurance policy. Policy loans with variable interest rates are    
classified within Level 2 and the estimated fair value approximates carrying  
value due to the absence of borrower credit risk and the short time period    
between interest rate resets, which presents minimal risk of a material change
in estimated fair value due to changes in market interest rates.              

Real Estate Joint Ventures and Other Limited Partnership Interests            

The estimated fair values of these cost method investments are generally  
based on the Company's share of the NAV as provided in the financial          
statements of the investees. In certain circumstances, management may adjust  
the NAV by a premium or discount when it has sufficient evidence to support   
applying such adjustments.                                                    

Other Invested Assets                                                         

These other invested assets are principally comprised of loans to         
affiliates. The estimated fair value of loans to affiliates is determined by  
discounting the expected future cash flows using market interest rates        
currently available for instruments with similar terms and remaining          
maturities.                                                                   

Premiums, Reinsurance and Other Receivables                                   

Premiums, reinsurance and other receivables are principally comprised of  
certain amounts recoverable under reinsurance agreements, 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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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

7. Fair Value (continued)                                                       

PABs                                                                          

 These PABs include investment contracts. Embedded derivatives on investment
contracts and certain variable annuity guarantees accounted for as embedded   
derivatives are excluded from this caption in the preceding tables as they are
separately presented in "-- Recurring Fair Value Measurements."               

The investment contracts primarily include fixed deferred annuities, 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 Company evaluates the specific terms, facts and circumstances of      
long-term debt to determine the appropriate estimated fair values, which are  
not materially different from the carrying values.                            

Other Liabilities                                                             

 Other liabilities consist primarily of amounts due for securities purchased
but not yet settled and funds withheld amounts payable, which are             
contractually withheld by the Company in accordance with the terms of the     
reinsurance agreements. The Company evaluates the specific terms, facts and   
circumstances of each instrument to determine the appropriate estimated fair  
values, which are not materially different from the carrying values.          

Separate Account Liabilities                                                  

Separate account liabilities represent those balances due to policyholders
under contracts that are classified as investment contracts.                  

Separate account liabilities classified as investment contracts primarily 
represent variable annuities with no significant mortality risk to the Company
such that the death benefit is equal to the account balance and certain       
contracts that provide for benefit funding.                                   

Since separate account liabilities are fully funded by cash flows from the
separate account assets which are recognized at estimated fair value as       
described in the section "-- Recurring Fair Value Measurements," the value of 
those assets approximates the estimated fair value of the related separate    
account liabilities. The valuation techniques and inputs for separate account 
liabilities are similar to those described for separate account assets.       

8. Long-term Debt                                                               

The Company's long-term debt includes senior notes, issued to a third party,
maturing in 2030 with a fixed interest rate of 7.03%. Principal and interest on 
the notes is paid quarterly. The outstanding balance of the notes was $40       
million and $41 million at December 31, 2013 and 2012, respectively.            

The aggregate maturities of long-term debt at December 31, 2013 are $1      
million in each of 2014, 2015, 2016 and 2017, $2 million in 2018 and $34        
million thereafter.                                                             

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

8. Long-term Debt (continued)                                                   

Interest expense related to the Company's indebtedness included in other    
expenses was $3 million for each of the years ended December 31, 2013, 2012 and 
2011.                                                                           

9. Equity                                                                       

Statutory Equity and Income                                                     

Each U.S. insurance company's state of domicile imposes risk-based capital  
("RBC") requirements that were developed by the National Association of         
Insurance Commissioners ("NAIC"). Regulatory compliance is determined by a      
ratio of a company's total adjusted capital, calculated in the manner           
prescribed by the NAIC ("TAC") to its authorized control level RBC, calculated  
in the manner prescribed by the NAIC ("ACL RBC"). Companies below specific      
trigger points or ratios are classified within certain levels, each of which    
requires specified corrective action. The minimum level of TAC before           
corrective action commences is twice ACL RBC. The RBC ratio for MLI-USA was in  
excess of 600% for all periods presented.                                       

MLI-USA prepares statutory-basis financial statements in accordance with    
statutory accounting practices prescribed or permitted by the insurance         
department of the state of domicile. The NAIC has adopted the Codification of   
Statutory Accounting Principles ("Statutory Codification"). Statutory           
Codification is intended to standardize regulatory accounting and reporting to  
state insurance departments. However, statutory accounting principles continue  
to be established by individual state laws and permitted practices.             
Modifications by state insurance departments may impact the effect of Statutory 
Codification on the statutory capital and surplus of MLI-USA.                   

 Statutory accounting principles differ from GAAP primarily by charging policy
acquisition costs to expense as incurred, establishing future policy benefit    
liabilities using different actuarial assumptions, reporting 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 MLI-USA are net deferred income tax assets resulting from temporary 
differences between statutory accounting principles basis and tax basis not     
expected to reverse and become recoverable within three years.                  

Statutory net income (loss) of MLI-USA, a Delaware domiciled insurer, was   
$209 million, $84 million and $178 million for the years ended December 31,     
2013, 2012 and 2011, respectively. Statutory capital and surplus was $1.9       
billion and $1.7 billion at December 31, 2013 and 2012, respectively. All such  
amounts are derived from the statutory-basis financial statements as filed with 
the Delaware Department of Insurance.                                           

Dividend Restrictions                                                           

Under Delaware State Insurance Law, MLI-USA is permitted, without prior     
insurance regulatory clearance, to pay a stockholder dividend to MICC as long   
as the amount of the dividend when aggregated with all other dividends in the   
preceding 12 months does not exceed the greater of: (i) 10% of its surplus to   
policyholders as of the end of the immediately preceding calendar year; or      
(ii) its net statutory gain from operations for the immediately preceding       
calendar year (excluding realized capital gains). MLI-USA will be permitted to  
pay a dividend to MICC in excess of the greater of such two amounts only if it  
files notice of the declaration of such a dividend and the amount thereof with  
the Delaware Commissioner of Insurance (the "Delaware Commissioner") and the    
Delaware Commissioner either approves the distribution of the dividend or does  
not disapprove the distribution within 30 days of its filing. In addition, any  
dividend that exceeds earned surplus (defined as                                

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

9. Equity (continued)                                                           

"unassigned funds (surplus)") as of the immediately preceding calendar year     
requires insurance regulatory approval. Under Delaware State Insurance Law, the 
Delaware Commissioner has broad discretion in determining whether the financial 
condition of a stock life insurance company would support the payment of such   
dividends to its stockholders. During the years ended December 31, 2013, 2012   
and 2011, MLI-USA did not pay dividends to MICC. Because MLI-USA's statutory    
unassigned funds (surplus) were negative at December 31, 2013, MLI-USA cannot   
pay any dividends in 2014 without prior regulatory approval.                    

Accumulated Other Comprehensive Income (Loss)                                   

Information regarding changes in the balances of each component of AOCI, net
of income tax, was as follows:                                                  

                                                        [Enlarge/Download Table]

                                                      Unrealized                       Foreign           
                                                   Investment Gains     Unrealized    Currency           
                                                   (Losses), Net of   Gains (Losses) Translation         
                                                  Related Offsets (1) on Derivatives Adjustments  Total  
                                                  ------------------- -------------- ----------- --------
                                                                       (In millions)                     
                                                                                                         
Balance at December 31, 2010.....................      $    158          $   (48)    $       --  $    110
OCI before reclassifications.....................           695               208           (1)       902
Income tax expense (benefit).....................         (243)              (73)            --     (316)
                                                  ------------------- -------------- ----------  --------
 OCI before reclassifications, net of income tax.           610                87           (1)       696
Amounts reclassified from AOCI...................             2               (9)            --       (7)
Income tax expense (benefit).....................           (1)                 4            --         3
                                                  ------------------- -------------- ----------  --------
 Amounts reclassified from AOCI, net of income                                                           
   tax...........................................             1               (5)            --       (4)
                                                  ------------------- -------------- ----------  --------
Balance at December 31, 2011.....................           611                82           (1)       692
OCI before reclassifications.....................           357                17           (1)       373
Income tax expense (benefit).....................         (124)               (6)            --     (130)
                                                  ------------------- -------------- ----------  --------
 OCI before reclassifications, net of income tax.           844                93           (2)       935
Amounts reclassified from AOCI...................          (26)               (1)            --      (27)
Income tax expense (benefit).....................             9                --            --         9
                                                  ------------------- -------------- ----------  --------
 Amounts reclassified from AOCI, net of income                                                           
   tax...........................................          (17)               (1)            --      (18)
                                                  ------------------- -------------- ----------  --------
Balance at December 31, 2012.....................           827                92           (2)       917
OCI before reclassifications.....................         (843)             (132)             2     (973)
Income tax expense (benefit).....................           295                46           (1)       340
                                                  ------------------- -------------- ----------  --------
 OCI before reclassifications, net of income tax.           279                 6           (1)       284
Amounts reclassified from AOCI...................           (9)               (6)            --      (15)
Income tax expense (benefit).....................             3                 2            --         5
                                                  ------------------- -------------- ----------  --------
 Amounts reclassified from AOCI, net of income                                                           
   tax...........................................           (6)               (4)            --      (10)
                                                  ------------------- -------------- ----------  --------
Balance at December 31, 2013.....................      $    273          $      2    $      (1)  $    274
                                                  =================== ============== ==========  ========

--------                                                                        

(1)See Note 5 for information on offsets to investments related to insurance    
liabilities and DAC.                                                      

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

9. Equity (continued)                                                           

 Information regarding amounts reclassified out of each component of AOCI, was
as follows:                                                                     

                                                        [Enlarge/Download Table]

                                                                                          Statement of Operations and     
AOCI Components                                        Amounts Reclassified from AOCI Comprehensive Income (Loss) Location
-----------------------------------------------------  ----------------------------   ------------------------------------
                                                         Years Ended December 31,                                         
                                                       ----------------------------                                       
                                                         2013        2012      2011                                       
                                                       ---------   --------- --------                                     
                                                              (In millions)                                               
                                                                                                                          
Net unrealized investment gains (losses):                                                                                 
  Net unrealized investment gains (losses)............ $       1   $      22 $    (7) Other net investment gains (losses) 
  Net unrealized investment gains (losses)............         7           2        5 Net investment income               
  Net unrealized investment gains (losses)............         1          --        2 Net derivative gains (losses)       
  OTTI................................................        --           2      (2) OTTI on fixed maturity securities   
                                                       ---------   --------- --------                                     
   Net unrealized investment gains (losses),                                                                              
    before income tax.................................         9          26      (2)                                     
   Income tax (expense) benefit.......................       (3)         (9)        1                                     
                                                       ---------   --------- --------                                     
   Net unrealized investment gains (losses), net of                                                                       
    income tax........................................ $       6   $      17 $    (1)                                     
                                                       =========   ========= ========                                     
Unrealized gains (losses) on derivatives - cash flow                                                                      
 hedges:                                                                                                                  
  Interest rate swaps................................. $      --   $      -- $      1 Net derivative gains (losses)       
  Interest rate forwards..............................         6           1        9 Net derivative gains (losses)       
  Interest rate forwards..............................         1          --       -- Net investment income               
  Foreign currency swaps..............................       (1)          --      (1) Net derivative gains (losses)       
                                                       ---------   --------- --------                                     
   Gains (losses) on cash flow hedges, before                                                                             
    income tax........................................         6           1        9                                     
   Income tax (expense) benefit.......................       (2)          --      (4)                                     
                                                       ---------   --------- --------                                     
   Gains (losses) on cash flow hedges, net of                                                                             
    income tax........................................ $       4   $       1 $      5                                     
                                                       =========   ========= ========                                     
Total reclassifications, net of income tax............ $      10   $      18 $      4                                     
                                                       =========   ========= ========                                     

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

10. Other Expenses                                                              

Information on other expenses was as follows:                               

                                                                [Download Table]

                                                    Years Ended December 31,   
                                                  -----------------------------
                                                    2013      2012      2011   
                                                  --------- --------- ---------
                                                          (In millions)        
                                                                               
Compensation..................................... $     306 $     342 $     293
Commissions......................................       555       809     1,253
Volume-related costs.............................       129       149       162
Affiliated interest costs on ceded reinsurance...       155       211       211
Capitalization of DAC............................     (476)     (821)   (1,274)
Amortization of DAC..............................      (70)       838       701
Interest expense on debt and debt issuance costs.         3         3         3
Premium taxes, licenses and fees.................        45        52        56
Professional services............................        29        18        16
Rent and related expenses........................        27        30        25
Other............................................       336       297       242
                                                  --------- --------- ---------
 Total other expenses............................ $   1,039 $   1,928 $   1,688
                                                  ========= ========= =========

Capitalization and Amortization of DAC                                          

See Note 3 for additional information on DAC including impacts of           
capitalization and amortization.                                                

Affiliated Expenses                                                             

 Commissions, capitalization of DAC and amortization of DAC include the impact
of affiliated reinsurance transactions. See Notes 4, 8 and 13 for discussion of 
affiliated expenses included in the table above.                                

11. Income Tax                                                                  

The provision for income tax was as follows:                                

                                                                [Download Table]

                                               Years Ended December 31,
                                               ----------------------- 
                                                 2013      2012   2011 
                                               ---------  ------ ------
                                                    (In millions)      
                                                                       
Current:                                                               
 Federal...................................... $    (89)  $ (80) $ (44)
Deferred:                                                              
 Federal......................................        68     376    219
                                               ---------  ------ ------
   Provision for income tax expense (benefit). $    (21)  $  296 $  175
                                               =========  ====== ======

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

11. Income Tax (continued)                                                      

The reconciliation of the income tax provision at the U.S. statutory rate to
the provision for income tax as reported was as follows:                        

                                                                [Download Table]

                                                Years Ended December 31,  
                                               ---------------------------
                                                 2013      2012     2011  
                                               --------- -------- --------
                                                      (In millions)       
                                                                          
Tax provision at U.S. statutory rate.......... $      50 $    353 $    232
Tax effect of:                                                            
 Dividend received deduction..................      (59)     (48)     (45)
 Tax credits..................................       (9)      (6)      (7)
 Prior year tax...............................       (3)      (3)      (5)
 Tax-exempt income............................       (1)       --       --
 Other, net...................................         1       --       --
                                               --------- -------- --------
   Provision for income tax expense (benefit). $    (21) $    296 $    175
                                               ========= ======== ========

Deferred income tax represents the tax effect of the differences between the
book and tax basis of assets and liabilities. Net deferred income tax assets    
and liabilities consisted of the following at:                                  

                                                                [Download Table]

                                                      December 31,     
                                                  ---------------------
                                                     2013       2012   
                                                  ---------- ----------
                                                      (In millions)    
                                                                       
Deferred income tax assets:                                            
 Policyholder liabilities and receivables........ $      600 $       --
 Tax credit carryforwards........................         84         65
 Net operating loss carryforwards................         22         --
 Investments, including derivatives..............         --         52
                                                  ---------- ----------
   Total deferred income tax assets..............        706        117
Deferred income tax liabilities:                                       
 DAC.............................................      1,051        782
 Investments, including derivatives..............        619         --
 Net unrealized investment gains.................        149        495
 Policyholder liabilities and receivables........         --        223
                                                  ---------- ----------
   Total deferred income tax liabilities.........      1,819      1,500
                                                  ---------- ----------
     Net deferred income tax asset (liability)... $  (1,113) $  (1,383)
                                                  ========== ==========

The following table sets forth the domestic net operating loss carryforwards
for tax purposes at December 31, 2013.                                          

                                                                [Download Table]

          Net Operating Loss Carryforwards
          ------------------------------- 
             Amount         Expiration    
          -------------  -----------------
          (In millions)                   
                                          
Domestic.           $64  Beginning in 2028

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

11. Income Tax (continued)                                                      

Tax credit carryforwards of $84 million at December 31, 2013 will expire    
beginning in 2017.                                                              

The Company participates in a tax sharing agreement with MetLife, as        
described in Note 1. Pursuant to this tax sharing agreement, the amounts due    
from affiliates included $105 million, $138 million and $92 million at          
December 31, 2013, 2012 and 2011, respectively.                                 

The Company files income tax returns with the U.S. federal government and   
various state and local jurisdictions. The Company is under continuous          
examination by the Internal Revenue Service ("IRS") and other tax authorities   
in jurisdictions in which the Company has significant business operations. The  
income tax years under examination vary by jurisdiction. With a few exceptions, 
the Company is no longer subject to U.S. federal, state or local income tax     
examinations in major taxing jurisdictions for years prior to 2003. The IRS     
audit cycle for the years January 1, 2003 through October 11, 2006, which began 
in April 2010, is expected to conclude in 2014. In 2012, the Company and the    
IRS completed and substantially settled the audit period October 12, 2006       
through December 31, 2006. One issue not settled is under review at the IRS     
Appeals Division.                                                               

It is not expected that there will be a material change in the Company's    
liability for unrecognized tax benefits in the next 12 months.                  

A reconciliation of the beginning and ending amount of unrecognized tax     
benefits was as follows:                                                        

                                                        [Enlarge/Download Table]

                                                                               Year Ended December 31, 2013
                                                                               ----------------------------
                                                                                      (In millions)        
                                                                                                           
Balance at January 1,.........................................................        $          --        
Additions for tax positions of prior years....................................                   14        
Reductions for tax positions of prior years...................................                  (1)        
Additions for tax positions of current year...................................                    1        
Reductions for tax positions of current year..................................                  (1)        
                                                                               ----------------------------
Balance at December 31,.......................................................        $          13        
                                                                               ============================
Unrecognized tax benefits that, if recognized would impact the effective rate.        $          13        
                                                                               ============================

There were no unrecognized tax benefits at December 31, 2012 and 2011.      

The Company classifies interest accrued related to unrecognized tax benefits
in interest expense, included within other expenses, while penalties are        
included in income tax expense.                                                 

Interest was as follows:                                                    

                                                        [Enlarge/Download Table]

                                                                  Year Ended December 31, 2013
                                                                  ----------------------------
                                                                         (In millions)        
                                                                                              
Interest recognized in the consolidated statements of operations.                   $        1

                                                        [Enlarge/Download Table]

                                                                           December 31, 2013
                                                                           -----------------
                                                                             (In millions)  
                                                                                            
Interest included in other liabilities in the consolidated balance sheets.        $        1

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

11. Income Tax (continued)                                                      

 There was no interest recognized in the consolidated statements of operations
for the years ended December 31, 2012 and 2011. There was no interest included  
in other liabilities in the consolidated balance sheets at December 31, 2012.   

The Company had no penalties for the years ended December 31, 2013, 2012 and
2011.                                                                           

The U.S. Treasury Department and the IRS have indicated that they intend to 
address through regulations the methodology to be followed in determining the   
dividends received deduction ("DRD"), related to variable life insurance and    
annuity contracts. The DRD reduces the amount of dividend income subject to tax 
and is a significant component of the difference between the actual tax expense 
and expected amount determined using the federal statutory tax rate of 35%. Any 
regulations that the IRS ultimately proposes for issuance in this area will be  
subject to public notice and comment, at which time insurance companies and     
other interested parties will have the opportunity to raise legal and practical 
questions about the content, scope and application of such regulations. As a    
result, the ultimate timing and substance of any such regulations are unknown   
at this time. For the years ended December 31, 2013 and 2012, the Company       
recognized an income tax benefit of $70 million and $52 million, respectively,  
related to the separate account DRD. The 2013 benefit included a benefit of     
$11 million related to a true-up of the 2012 tax return. The 2012 benefit       
included a benefit of $4 million related to a true-up of the 2011 tax return.   

12. Contingencies, Commitments and Guarantees                                   

Contingencies                                                                   

Litigation                                                                    

Unclaimed Property Inquiries                                                

In April 2012, MetLife, for itself and on behalf of entities including  
MLI-USA, reached agreements with representatives of the U.S. jurisdictions  
that were conducting audits of MetLife and certain of its affiliates for    
compliance with unclaimed property laws, and with state insurance regulators
directly involved in a multistate targeted market conduct examination       
relating to claim-payment practices and compliance with unclaimed property  
laws. On November 14, 2012, the West Virginia Treasurer filed an action     
against MLI-USA, alleging that MLI-USA violated the West Virginia Uniform   
Unclaimed Property Act, seeking to compel compliance with the Act, and      
seeking payment of unclaimed property, interest, and penalties West Virginia
ex rel. John D. Perdue v. MetLife Investors USA Insurance Company, Circuit  
 Court of Putnam County, Civil Action No. 12-C-363). On December 30, 2013, the
court granted defendants' motion to dismiss the West Virginia Treasurer's   
action. The Treasurer has filed a notice to appeal the dismissal order. At  
least one other jurisdiction is pursuing a similar market conduct           
examination. It is possible that other jurisdictions may pursue similar     
examinations, audits, or lawsuits and that such actions may result in       
additional payments to beneficiaries, additional escheatment of funds deemed
abandoned under state laws, administrative penalties, interest, and/or      
further changes to the Company's procedures. The Company is not currently   
able to estimate these additional possible costs.                           

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

12. Contingencies, Commitments and Guarantees (continued)                       

Sales Practices Claims                                                      

Over the past several years, the Company has faced claims and regulatory
inquiries and investigations, alleging improper marketing or sales of       
individual life insurance policies, annuities, mutual funds or other        
products. The Company continues to vigorously defend against the claims in  
these matters. The Company believes adequate provision has been made in its 
consolidated financial statements for all probable and reasonably estimable 
losses for sales practices matters.                                         

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, very large    
and/or indeterminate amounts, including punitive and treble damages, are    
sought. Although, in light of these considerations it is possible that an   
adverse outcome in certain cases could have a material effect upon the      
Company's financial position, based on information currently known by the   
Company's management, in its opinion, the outcomes of such pending          
investigations and legal proceedings are not likely to have such an effect. 
However, given the large and/or indeterminate amounts sought in certain of  
 these matters and the inherent unpredictability of litigation, it is possible
that an adverse outcome in certain matters could, from time to time, have a 
material effect on the Company's consolidated net income or cash flows in   
particular annual periods.                                                  

Insolvency Assessments                                                        

Most of the jurisdictions in which the Company is admitted to transact    
business require insurers doing business within the jurisdiction to           
participate in guaranty associations, which are organized to pay contractual  
benefits owed pursuant to insurance policies issued by impaired, insolvent or 
failed insurers. These associations levy assessments, up to prescribed limits,
on all member insurers in a particular state on the basis of the proportionate
share of the premiums written by member insurers in the lines of business in  
which the impaired, insolvent or failed insurer engaged. Some states permit   
member insurers to recover assessments paid through full or partial premium   
tax offsets.                                                                  

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

12. Contingencies, Commitments and Guarantees (continued)                       

Assets and liabilities held for insolvency assessments were as follows:     

                                                                [Download Table]

                                                                  December 31,   
                                                               ------------------
                                                                 2013     2012   
                                                               -------- ---------
                                                                 (In millions)   
                                                                                 
Other Assets:                                                                    
 Premium tax offset for future undiscounted assessments....... $      4 $       6
 Premium tax offsets currently available for paid assessments.        3         1
                                                               -------- ---------
                                                               $      7 $       7
                                                               ======== =========
Other Liabilities:                                                               
 Insolvency assessments....................................... $      5 $      13
                                                               ======== =========

Commitments                                                                     

Commitments to Fund Partnership Investments                                   

 The Company makes commitments to fund partnership investments in the normal
course of business. The amounts of these unfunded commitments were $483       
million and $446 million at December 31, 2013 and 2012, respectively. The     
Company anticipates that these amounts will be invested in partnerships over  
the next five years.                                                          

Mortgage Loan Commitments                                                     

The Company commits to lend funds under mortgage loan commitments. The    
amounts of these mortgage loan commitments were $61 million and $59 million at
December 31, 2013 and 2012, respectively.                                     

Commitments to Fund Private Corporate Bond Investments                        

 The Company commits to lend funds under private corporate bond investments.
The amounts of these unfunded commitments were $38 million and $72 million at 
December 31, 2013 and 2012, respectively.                                     

Guarantees                                                                      

In the normal course of its business, the Company has provided certain      
indemnities, guarantees and commitments to third parties such that it may be    
required to make payments now or in the future. In the context of acquisition,  
disposition, investment and other transactions, the Company has provided        
indemnities and guarantees, including those related to tax, environmental and   
other specific liabilities, and other indemnities and guarantees that are       
triggered by, among other things, breaches of representations, warranties or    
covenants provided by the Company. In addition, in the normal course of         
business, the Company provides indemnifications to counterparties in contracts  
with triggers similar to the foregoing, as well as for certain other            
liabilities, such as third-party lawsuits. These obligations are often subject  
to time limitations that vary in duration, including contractual limitations    
and those that arise by operation of law, such as applicable statutes of        
limitation. In some cases, the maximum potential obligation under the           
indemnities and guarantees is subject to a contractual limitation, while in     
other cases such limitations are not specified or applicable. Since certain of  
these obligations                                                               

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MetLife Investors USA Insurance Company 
(A Wholly-Owned Subsidiary of MetLife Insurance Company of Connecticut) 

Notes to the Consolidated Financial Statements -- (Continued) 

12. Contingencies, Commitments and Guarantees (continued)                       

are not subject to limitations, the Company does not believe that it is         
possible to determine the maximum potential amount that could become due under  
these guarantees in the future. Management believes that it is unlikely the     
Company will have to make any material payments under these indemnities,        
guarantees, or commitments.                                                     

In addition, the Company indemnifies its directors and officers as provided 
in its charters and by-laws. Also, the Company indemnifies its agents for       
liabilities incurred as a result of their representation of the Company's       
interests. Since these indemnities are generally not subject to limitation with 
respect to duration or amount, the Company does not believe that it is possible 
to determine the maximum potential amount that could become due under these     
indemnities in the future.                                                      

The Company had no liability for indemnities, guarantees and commitments at 
both December 31, 2013 and 2012.                                                

13. Related Party Transactions                                                  

Service Agreements                                                              

The Company has entered into various agreements with affiliates for services
necessary to conduct its activities. Typical services provided under these      
agreements include management, policy administrative functions, personnel,      
investment advice and distribution services. For certain agreements, charges    
are based on various performance measures or activity-based costing. The bases  
for such charges are modified and adjusted by management when necessary or      
appropriate to reflect fairly and equitably the actual incidence of cost        
incurred by the Company and/or affiliate. Expenses incurred with affiliates     
related to these agreements, recorded in other expenses, were $1.4 billion,     
$1.5 billion and $1.7 billion for the years ended December 31, 2013, 2012 and   
2011, respectively. Revenues received from affiliates related to these          
agreements, recorded in universal life and investment-type product policy fees, 
were $182 million, $150 million and $115 million for the years ended            
December 31, 2013, 2012 and 2011, respectively. Revenues received from          
affiliates related to these agreements, recorded in other revenues, were $153   
million, $133 million and $97 million for the years ended December 31, 2013,    
2012 and 2011, respectively.                                                    

The Company had net payables to affiliates, related to the items discussed  
above, of $235 million and $129 million at December 31, 2013 and 2012,          
respectively.                                                                   

See Notes 4 and 5 for additional information on related party transactions. 

14. Subsequent Event                                                            

The Company has evaluated events subsequent to December 31, 2013, through   
April 8, 2014, which is the date these consolidated financial statements were   
available to be issued, and has determined there are no material subsequent     
events requiring adjustment to or disclosure in the financial statements.       

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PART C                                                                          

 OTHER INFORMATION

Item 24.    FINANCIAL STATEMENTS AND EXHIBITS                                   

a.          Financial Statements                                                

The following financial statements comprising each of the Sub-Accounts of the   
Separate Account are included in Part B hereof:                                 

1.  Report of Independent Registered Public Accounting Firm.    

 2.  Statements of Assets and Liabilities as of December 31, 2013.

  3.  Statements of Operations for the year ended December 31, 2013.

        4.  Statements of Changes in Net Assets for the years ended December 31,
2013 and 2012.                                          

5.  Notes to the Financial Statements.                          

The following consolidated financial statements of the Company are included in  
Part B hereof:                                                                  

1.  Independent Auditors' Report.                               

 2.  Consolidated Balance Sheets as of December 31, 2013 and 2012.

3.  Consolidated Statements of Operations for the years ended   
December 31, 2013, 2012 and 2011.                       

        4.  Consolidated Statements of Comprehensive Income (Loss) for the years
ended December 31, 2013, 2012 and 2011.                 

       5.  Consolidated Statements of Stockholder's Equity for the years ended
December 31, 2013, 2012 and 2011.                       

6.  Consolidated Statements of Cash Flows for the years ended   
December 31, 2013, 2012 and 2011.                       

7.  Notes to the Consolidated Financial Statements.             

b.            Exhibits                                                          

1.          Certification of Restated Resolution of the Board of Directors of   
         the Company authorizing the establishment of the Separate Account
(adopted May 18, 2004) (4)                              

2.          Not applicable                                                      

3.   (i)    Form of Principal Underwriter's Agreement (2)                       

(ii)   Form of Enterprise Selling Agreement 02-10 (MetLife Investors  
Distribution Company Sales Agreement) (11)              

(iii)  Form of Enterprise Selling Agreement 09-12 (MetLife Investors  
Distribution Company Sales Agreement) (17)              

(iv)   Agreement and Plan of Merger (12-01-04) (MLIDC into GAD) (5)   

4.   (i)    Form of 226 RI Contract (1)                                         

(ii)   Form of 226 RI Certificate and Riders (1)                      

(iii)  403(b) Nationwide Tax Sheltered Annuity Endorsement (MLIU-398-3
(12/08)) (13)                                           

(iv)   MetLife Investors USA Insurance Company 457(B) Plan Endorsement
(Governmental and Tax-Exempt). MLIU-457-2 (5/11) (16)   

5.   (i)    Form of Group Variable Annuity Application (1)                      

(ii)   Form of Certificate Variable Annuity Application (1)           

6.   (i)    Copy of Restated Articles of Incorporation of the Company (4)       

(ii)   Copy of the By-Laws of the Company (4)                         

(iii)  Certificate of Amendment of Certificate of Incorporation filed 
10/01/79 and signed 9/27/79 (4)                         

(iv)   Certificate of Change of Location of Registered Office and/or  
Registered Agent filed 2/26/80 and effective 2/8/80 (4) 

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                                                                [Download Table]
                                                                                   
     (v)    Certificate of Amendment of Certificate of Incorporation signed        
            4/26/83 and certified 2/12/85 (4)                                      

     (vi)   Certificate of Amendment of Certificate of Incorporation filed         
            10/22/84 and signed 10/19/84 (4)                                       

     (vii)  Certificate of Amendment of Certificate of Incorporation certified     
            8/31/94 and adopted 6/13/94 (4)                                        

     (viii) Certificate of Amendment of Certificate of Incorporation of Security   
            First Life Insurance Company (name changed to MetLife Investors USA    
            Insurance Company) filed 1/8/01 and signed 12/18/00 (4)                

7.   (i)    Reinsurance Agreement between MetLife Investors USA Insurance          
            Company and Metropolitan Life Insurance Company (3)                    

     (ii)   Automatic Reinsurance Agreement between MetLife Investors USA          
            Insurance Company and Exeter Reassurance Company, Ltd. (3)             

     (iii)  Reinsurance Agreement and Administrative Services Agreement between    
            Metlife Investors USA Insurance Company and Metropolitan Life          
            Insurance Company (effective January 1, 2006) (6)                      

8.   (i)    (a)  Participation Agreement among The Alger American Fund, Fred       
                 Alger and Company, Incorporated and Security First Life           
                 Insurance Company dated April 13, 1995 (12)                       

            (b)  Amendment dated April 30, 2010 (14)                               

     (ii)   (a)  Fund Participation Agreement among American Funds Insurance       
                 Series, Capital Research and Management Company and MetLife       
                 Investors USA Insurance Company dated April 29, 2003; First       
                 Amendment dated November 1, 2005 (7)                              

            (b)  Second Amendment dated January 1, 2007 (8)                        

            (c)  Amendment dated April 30, 2010 (13)                               

     (iii)  (a)  Participation Agreement among Scudder Variable Life Investment    
                 Fund and Security First Life Insurance Company, Inc. dated        
                 April 7, 1995 (12)                                                

            (b)  Amendment dated April 30, 2010 (14)                               

     (iv)   (a)  Participation Agreement among Variable Insurance Products         
                 Funds, Fidelity Distributor Corporation and Metlife Investors     
                 USA Insurance Company dated November 1, 2005 (7)                  

            (b)  Summary Prospectus Agreement among Fidelity Distributors          
                 Corporation and MetLife Investors USA Insurance Company           
                 effective April 30, 2010 (13)                                     

     (v)    (a)  Participation Agreement among Met Investors Series Trust, Met     
                 Investors Advisory Corp., MetLife Investors Distribution          
                 Company and MetLife Investors USA Insurance Company dated         
                 February 12, 2001 (4)                                             

            (b)  First Amendment dated February 1, 2008; Second Amendment dated    
                 May 1, 2009 (10)                                                  

            (c)  Amendment to each of the Participation Agreements currently in    
                 effect between Met Investors Series Trust, MetLife Advisers,      
                 LLC, MetLife Investors Distribution Company and Metropolitan      
                 Life Insurance Company, MetLife Insurance Company of              
                 Connecticut, MetLife Investors USA Insurance Company, MetLife     
                 Investors Insurance Company, First MetLife Investors Insurance    
                 Company, New England Life Insurance Company and General           
                 American Life Insurance Company effective April 30, 2010. (15)    

     (vi)   Participation Agreement among Metropolitan Series Fund, Inc.,          
            MetLife Advisers, LLC, MetLife Investors Distribution Company and      
            MetLife Investors USA Insurance Company dated August 31, 2007 (9)      

            (a)  Amendment to each of the Participation Agreements currently in    
                 effect between Metropolitan Series Fund, MetLife Advisers, LLC,   
                 MetLife Investors Distribution Company and Metropolitan Life      
                 Insurance Company, Metropolitan Tower Life Insurance Company,     
                 MetLife Insurance Company of Connecticut, MetLife Investors       
                 USA Insurance Company, MetLife Investors Insurance Company,       
                 First MetLife Investors Insurance Company, New England Life       
                 Insurance Company and General American Life Insurance Company     
                 effective April 30, 2010. (15)                                    

     (vii)  Fund Participation Agreement among T. Rowe Price Growth Stock Fund,    
            Inc., T. Rowe Price Investment Services, Inc., Security First          

            Financial, Inc., Security First Life Separate Account A and Security   
            First Life Insurance Company dated August 31, 1992 (12)                

9.          Opinion and Consent of Counsel (5)                                     

10.         Consent of Independent Registered Public Accounting Firm (Deloitte &   
            Touche LLP) (18)                                                       

11.         Not Applicable                                                         

12.         Not Applicable                                                         

13.         Powers of Attorney for MetLife Investors USA Insurance Company (18)(19)

(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 Registrant's Pre-Effective Amendment      
     No. 2 to Form N-4 (File Nos. 333-54464 and 811-03365) electronically filed    
     on March 21, 2001.                                                            

(3)  Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 4 to Form N-4 (File Nos. 333-54464 and 811-03365) electronically filed    
     on April 30, 2003.                                                            

(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)  Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 18 on Form N-4 (File Nos. 033-37128 and 811-03365) electronically filed   
     on April 17, 2007.                                                            

(6)  Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 27 to Form N-4 (File Nos. 333-54466 and 811-03365) electronically filed   
     on April 15, 2008.                                                            

(7)  Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 1 to Form N-4 (File Nos. 333-125756 and 811-03365) electronically filed   
     on April 24, 2006.                                                            

(8)  Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 2 on Form N-4 (File Nos. 333-125756 and 811-03365) electronically filed   
     on April 17, 2007.                                                            

(9)  Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 27 to Form N-4 (File Nos. 333-54464 and 811-03365) electronically filed   
     on December 21, 2007.                                                         

(10) Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 2 to Form N-4 (File Nos. 333-148869 and 811-03365) electronically filed   
     on April 22, 2009.                                                            

(11) Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 46 to Form N-4 (File Nos. 033-07094 and 811-03365) electronically filed   
     on April 23, 2010.                                                            

(12) Incorporated herein by reference to Registrant's Post-Effective Amendment     
     No. 21 to Form N-4 (File Nos. 033-37128 and 811-03365) electronically filed   
     on April 23, 2010.                                                            

(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 Registrant's Post-Effective Amendment     
     No. 22 to Form N-4 (file Nos. 033-37128 and 811-03365) electronically filed   
     on April 21, 2011.                                                            

(15) Incorporated herein by reference to Registrant's Initial Registration         
     Statement on Form N-4 (file Nos. 333-179239 and 811-03365) electronically     
     filed on January 30, 2012.                                                    

(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 herewith. Powers of Attorney for Kumar Das Gupta and Dina Rosalind      
     Lumerman.                                                                     

(19) Filed with Post-Effective Amendment No. 24 to this Registration Statement     
     on April 12, 2013. Powers of Attorney for Eric T. Steigerwalt, Susan A.       
     Buffum, Elizabeth M. Forget, Jay S. Kaduson, Stephen M. Kessler, Lisa S.      
     Kuklinski, Peter M. Carlson and James J. Reilly.                              


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:  

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NAME AND PRINCIPAL BUSINESS ADDRESS   POSITIONS AND OFFICES WITH DEPOSITOR      
-----------------------------------   ------------------------------------------

Eric Thomas Steigerwalt               Chairman of the Board, President,         
11225 North Community House Road      Chief Executive Officer and Director      
Charlotte, NC 28277                                                             

Susan Ann Buffum                      Director                                  
10 Park Avenue                                                                  
Morristown, NJ 07962                                                            

Jay Stuart Kaduson                    Vice President and Director               
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Elizabeth Mary Forget                 Executive Vice President and Director     
1095 Avenue of the Americas                                                     
New York, NY 10036                                                              

Stephen Myles Kessler                 Director                                  
300 Davidson Ave                                                                
Somerset, NJ 08873                                                              

Lisa Stella Kuklinski                 Director                                  
1095 Avenue of the Americas                                                     
New York, NY 10036                                                              

Kumar Das Gupta                       Director                                  
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                                                              

Marlene B. Debel                      Treasurer                                 
1095 Avenue of the Americas                                                     
New York, NY 10036                                                              

James J. Reilly                       Vice President-Finance                    
501 Boylston Street                                                             
Boston, MA 02116                                                                

Dina Rosalind Lumerman                Director                                  
1095 Avenue of the Americas                                                     
New York, NY 10036                                                              

Enid M. Reichert                      Vice President and Appointed Actuary      
501 Route 22                                                                    
Bridgewater, NJ 07962                                                           

Jonathan L. Rosenthal                 Vice President, Chief Hedging Officer     
10 Park Avenue                                                                  
Morristown, NJ 07962                                                            

Jodi Anatole                          Vice President                            
1095 Avenue of the Americas                                                     
New York, NY 10036                                                              

Scott E. Andrews                      Vice President                            
4700 Westown Parkway                                                            
Suite 200                                                                       
West Des Moines, IA 50266                                                       

Roberto Baron                         Vice President                            
1095 Avenue of the Americas                                                     
New York, NY 10036                                                              

Manish P. Bhatt                       Vice President                            
501 Route 22                                                                    
Bridgewater, NJ 08807                                                           

Henry W. Blaylock                     Vice President                            
200 Park Ave., 12th Floor                                                       
New York, NY 10166                                                              

Lynn A. Dumais                        Vice President                            
18210 Crane Nest Dr                                                             
Tampa, FL 33647                                                                 

Geoffrey A. Fradkin                   Vice President                            
501 Route 22                                                                    
Bridgewater, NJ 08807                                                           

Jeffrey P. Halperin                   Vice President                            
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Gregory E. Illson                     Vice President                            
501 Boylston Street                                                             
Boston, MA 02116                                                                

John J. Iwanicki                      Vice President                            
18210 Crane Nest Drive                                                          
Tampa, FL 33647                                                                 

Karen A. Johnson                      Vice President                            
501 Boylston Street                                                             
Boston, MA 02116                                                                

Andrew Kaniuk                         Vice President                            
501 Route 22                                                                    
Bridgewater, NJ 08807                                                           

Christopher A. Kremer                 Vice President                            
1 MetLife Plaza                                                                 
27-01 Queens Plaza North                                                        
Long Island City, NY 11101                                                      

Gene L. Lunman                        Vice President                            
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Cynthia Mallett                       Vice President                            
One Financial Center, 20th Floor                                                
Boston, MA 02111                                                                

Sabrina M. Model                      Vice President                            
501 Route 22                                                                    
Bridgewater, NJ 08807                                                           

Mark S. Reilly                        Vice President                            
1300 Hall Boulevard                                                             
Bloomfield, CT 06002-2910                                                       

Robert L. Staffier                    Vice President                            
1 MetLife Plaza                                                                 
27-01 Queens Plaza North                                                        
Long Island City, NY 11101                                                      

Nan D. Tecotzky                       Vice President                            
200 Park Avenue, 12th Floor                                                     
New York, NY 10166                                                              

Marian J. Zeldin                      Vice President                            
501 Route 22                                                                    
Bridgewater, NJ 08807                                                           

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ITEM 26.    PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR 
THE REGISTRANT                                          

The Registrant is a separate account of MetLife Investors USA Insurance Company 
under Delaware insurance law. MetLife Investors USA Insurance Company is a      
wholly-owned direct subsidiary of MetLife Insurance Company of Connecticut which
in turn is a direct subsidiary of MetLife, Inc., a publicly traded company. The 
following outline indicates those entities that are controlled by MetLife, Inc. 
or are under the common control of MetLife, Inc. No person is controlled by the 
Registrant.                                                                     

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ORGANIZATIONAL STRUCTURE OF METLIFE, INC. AND SUBSIDIARIES
AS OF December 31, 2013 

The following is a list of subsidiaries of MetLife, Inc. updated as of          
December 31, 2013. Those entities which are listed at the left margin (labeled  
with capital letters) are direct subsidiaries of MetLife, Inc. Unless otherwise 
indicated, each entity which is indented under another entity is a subsidiary   
of that other entity and, therefore, an indirect subsidiary of MetLife, Inc.    
Certain inactive subsidiaries have been omitted from the MetLife, Inc.          
organizational listing. The voting securities (excluding directors' qualifying  
shares, if any) of the subsidiaries listed are 100% owned by their respective   
parent corporations, unless otherwise indicated. The jurisdiction of domicile   
of each subsidiary listed is set forth in the parenthetical following such      
subsidiary.                                                                     

A.    MetLife Group, Inc. (NY)                                                  

B.    MetLife Home Loans LLC (DE)                                               

C.    Exeter Reassurance Company, Ltd. (Cayman Islands)                         

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.                                       

      a)    MetLife Chile Administradora de Mutuos Hipotecarios S.A.
              (Chile) - 99.99% of MetLife Chile Administradora de Mutuos
               Hipotecarios S.A.  is held by MetLife Chile Seguros de Vida
                 S.A. and 0.01% is held by MetLife Chile Inversiones Limitada.

2.    Legal Chile S.A. (Chile) - 51% of Legal Chile S.A. is owned by
        MetLife Chile Inversiones Limitada and the remaining interest is
owned by a third party.                                 

        a)    Legagroup S.A. (Chile) - 99% of Legagroup S.A. is owned by
             Legal Chile S.A. and the remaining interest is owned by a
third party.                                

3.    Inversiones MetLife Holdco Tres Limitada (Chile) - 99.9% of   
          Inversiones MetLife Holdco Tres Limitada is owned by MetLife Chile
     Inversiones Limitada and 0.1% is owned by Inversiones MetLife
Holdco Dos Limitada.                                    

         a)    MetLife Chile Acquisition Co. S.A. (Chile) - 45% of MetLife
              Chile Acquisition Co. S.A. is owned by Inversiones MetLife
            Holdco Dos Limitada, 45% is owned by Inversiones MetLife
          Holdco Tres Limitada and 10% is owned by MetLife Chile
Inversiones Limitada.                       

             i)    Inversiones Previsionales S.A. (Chile) - 99.999% of
                        Inversiones Previsionales S.A. is owned by MetLife Chile
                       Acquisition Co. S.A. and 0.001% is owned by Inversiones
MetLife Holdco Tres Limitada.   

                      aa)   AFP Provida S.A. (Chile) - 51.62% of AFP Provida
                            S.A. is owned by Inversiones Previsionales S.A.,
                           21.97% is owned indirectly (by means of ADR) by
                         MetLife Chile Acquisition Co. S.A., 17.79% is
                           owned directly by MetLife Chile Acquisition Co.
                             S.A. and the remainder is owned by third parties.

                             1)    Provida Internacional S.A. (Chile) - 99.99%
                                 of Provida Internacional S.A. is owned by
                                 AFP Provida S.A. and 0.01% by Inversiones
          Previsionales S.A.

                                    ii)   AFP Genesis Administradora de Fondos y
                                         Fidecomisos S.A. (Ecuador) - 99.9997%
                                    of AFP Genesis Administradora de
                                         Fondos y Fidecomisos S.A. is owned by
                                          Provida Internacional S.A. and 0.0003%
                                         is owned by Inversiones Previsionales
        S.A.

 4.    MetLife Chile Seguros Generales S.A. (Chile) - 99.9% of MetLife
           Chile Seguros Generales, S.A. is owned by MetLife Chile Inversiones
Limitada and 0.1% is owned by ITAS.                     

F.    MetLife Securities, Inc. (DE)                                             

G.    Enterprise General Insurance Agency, Inc. (DE)                            

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H.    Metropolitan Property and Casualty Insurance Company (RI)                 

1.    Metropolitan General Insurance Company (RI)                   

2.    Metropolitan Casualty Insurance Company (RI)                  

  3.    Metropolitan Direct Property and Casualty Insurance Company (RI)

4.    MetLife Auto & Home Insurance Agency, Inc. (RI)               

 5.    Metropolitan Group Property and Casualty Insurance Company (RI)

     a)    Metropolitan Reinsurance Company (U.K.) Limited (United
Kingdom)                                    

6.    Metropolitan Lloyds, Inc. (TX)                                

  a)    Metropolitan Lloyds Insurance Company of Texas (TX)-
                 Metropolitan Lloyds Insurance Company of Texas, an affiliated
           association, provides automobile, homeowner and related
           insurance for the Texas market. It is an association of
                individuals designated as underwriters. Metropolitan Lloyds,
            Inc., a subsidiary of Metropolitan Property and Casualty
                 Insurance Company, serves as the attorney-in-fact and manages
the association.                            

7.    Economy Fire & Casualty Company (IL)                          

a)    Economy Preferred Insurance Company (IL)          

b)    Economy Premier Assurance Company (IL)            

I.    MetLife Investors Insurance Company (MO)                                  

J.    First MetLife Investors Insurance Company (NY)                            

K.    Newbury Insurance Company, Limited (DE)                                   

L.    MetLife Investors Group, Inc. (DE)                                        

1.    MetLife Investors Distribution Company (MO)                   

2.    MetLife Advisers, LLC (MA)                                    

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M.    MetLife International Holdings, Inc. (DE)                                 

1.    MetLife Mexico Cares, S.A. de C.V. (Mexico)                   

a)    Fundacion MetLife Mexico, A.C. (Mexico)           

2.    Natiloportem Holdings, Inc. (DE)                              

       a)    Excelencia Operativa y Tecnologica, S.A. de C.V. (Mexico)

             i)   MLA Comercial, S.A. de C.V. (Mexico) 99% is owned by
                     Excelencia Operativa y Tecnologica, S.A. de C.V. and 1%
            is owned by MetLife Mexico Cares, S.A. de C.V.

             ii)  MLA Servicios, S.A. de C.V. (Mexico) 99% is owned by
                     Excelencia Operativa y Tecnologica, S.A. de C.V. and 1%
            is owned by MetLife Mexico Cares, S.A. de C.V.

   3.    PNB MetLife India Insurance Company Limited (India)- 26% is owned
         by MetLife International Holdings, Inc. and 74% is owned by third
parties.                                                

4.    Metropolitan Life Insurance Company of Hong Kong Limited (Hong
         Kong)- 99.99935% is owned by MetLife International Holdings, Inc.
and 0.00065% is owned by Natiloporterm Holdings, Inc.   

5.    MetLife Seguros S.A. (Argentina)- 79.3196% is owned by MetLife
      International Holdings, Inc., 2.6753% is owned by Natiloportem
Holdings, Inc., 16.2046% by ALICO and 1.8005% by ITAS.  

6.    Metropolitan Life Seguros e Previdencia Privada S.A. (Brazil)-
 66.662% is owned by MetLife International Holdings, Inc.,
33.337% is owned by MetLife Worldwide Holdings, Inc. and
0.001% is owned by Natiloportem Holdings, Inc.          

7.    MetLife Global, Inc. (DE)                                     

     8.    MetLife Administradora de Fundos Multipatrocinados Ltda. (Brazil) -
       99.99998% of MetLife Administradora de Fundos Multipatrocinados
           Ltda. is owned by MetLife International Holdings, Inc. and 0.00002%
by Natiloportem Holdings, Inc.                          

9.    MetLife Services Limited (United Kingdom)                     

   10.   MetLife Seguros de Retiro S.A. (Argentina) - 95.5883% is owned by
 MetLife International Holdings, Inc., 3.1102% is owned by
          Natiloportem Holdings, Inc., 1.3014% by ALICO and 0.0001% by ITAS.

11.   Best Market S.A. (Argentina) - 5% of the shares are held by   
Natiloportem Holdings, Inc. and 95% is owned by MetLife 
International Holdings Inc.                             

  12.   Compania Inversora MetLife S.A. (Argentina) - 95.46% is owned by
  MetLife International Holdings, Inc. and 4.54% is owned by
Natiloportem Holdings, Inc.                             

          a)    MetLife Servicios S.A. (Argentina) - 18.87% of the shares of
         MetLife Servicios S.A. are held by Compania Inversora
                MetLife S.A., 79.88% is owned by MetLife Seguros S.A., 0.99%
               is held by Natiloportem Holdings, Inc. and 0.26% is held by
MetLife Seguros de Retiro S.A.              

13.   MetLife Worldwide Holdings, Inc. (DE)                         

a)    MetLife Direct Co., LTD. (Japan)                  

b)    MetLife Limited (Hong Kong)                       

14.   MetLife International Limited, LLC (DE)                       

   15.   MetLife Planos Odontologicos Ltda. (Brazil) - 99.999% is owned by
   MetLife International Holdings, Inc. and 0.001% is owned by
Natiloportem Holdings, Inc.                             

16.   MetLife Ireland Holdings One Limited (Ireland)                

a)    MetLife Global Holdings Corporation S.A. de C.V.  
                 (Mexico/Ireland) - 98.9% is owned by MetLife Ireland Holdings
          One Limited and 1.1% is owned by MetLife International
Limited, LLC.                               

    i)    MetLife Ireland Treasury Limited (Ireland)

                   a)    MetLife General Insurance Limited (Australia)

                       b)    MetLife Insurance Limited (Australia) - 91.16468%
                             of MetLife Insurance Limited (Australia) is owned
                            by MetLife Ireland Treasury Limited and 8.83532%
                             is owned by MetLife Global Holdings Corp. S.A. de
C.V.                

                    1)    The Direct Call Centre PTY Limited
   (Australia)

                             2)    MetLife Investments PTY Limited (Australia)

                                    aa)   MetLife Insurance and Investment Trust
                                       (Australia) - MetLife Insurance and
                                        Investment Trust is a trust vehicle,
                                   the trustee of which is MetLife
                                          Investments PTY Limited ("MIPL"). MIPL
                                   is a wholly owned subsidiary of
                              MetLife Insurance Limited.

                  ii)   Metropolitan Global Management, LLC (DE/Ireland) - 99.7%
                       is owned by MetLife Global Holdings Corporation S.A. de
               C.V. and 0.3% is owned by MetLife International
Holdings, Inc.                  

                      a)    MetLife Pensiones Mexico S.A. (Mexico)- 97.4738%
                           is owned by Metropolitan Global Management, LLC
                         and 2.5262% is owned by MetLife International
Holdings, Inc.      

                       b)    MetLife Mexico Servicios, S.A. de C.V. (Mexico) -
                           98% is owned by Metropolitan Global Management,
                        LLC and 2% is owned by MetLife International
Holdings, Inc.      

                       c)    MetLife Mexico S.A. (Mexico)- 99.050271% is owned
                      by Metropolitan Global Management, LLC and
                       0.949729% is owned by MetLife International
Holdings, Inc.      

                              1)    MetLife Afore, S.A. de C.V. (Mexico)- 99.99%
                                    is owned by MetLife Mexico S.A. and 0.01% is
                              owned by MetLife Pensiones Mexico S.A.

                                   aa)    Met1 SIEFORE, S.A. de C.V. (Mexico)-
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                   bb)    Met2 SIEFORE, S.A. de C.V. (Mexico)-
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                   cc)    MetA SIEFORE Adicional, S.A. de C.V.
                                          (Mexico)- 99.99% is owned by MetLife
                                      Afore, S.A. de C.V. and 0.01% is
                                  owned by MetLife Mexico S.A.

                                dd)    Met3 SIEFORE Basica, S.A. de C.V.
                                           (Mexico) - 99.99% is owned by MetLife
                                      Afore, S.A. de C.V. and 0.01% is
                                  owned by MetLife Mexico S.A.

                                    ee)    Met4 SIEFORE, S.A. de C.V. (Mexico) -
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                                    ff)    Met5 SIEFORE, S.A. de C.V. (Mexico) -
                                       99.99% is owned by MetLife Afore,
                                        S.A. de C.V. and 0.01% is owned by
                         MetLife Mexico S.A.

                   2)    ML Capacitacion Comercial S.A. de
                              C.V.(Mexico) - 99% is owned by MetLife
                              Mexico S.A. and 1% is owned by MetLife
                  Mexico Cares, S.A. de C.V.

                  d)    MetLife Saengmyoung Insurance Co. Ltd. (also
                       known as MetLife Insurance Company of Korea
                      Limited) (South Korea)- 14.64% is owned by
                       MetLife Mexico, S.A. and 85.36% is owned by
                Metropolitan Global Management, LLC.

e)    Bolpyr S.A. (Uruguay)     

17.   MetLife Asia Pacific Limited (Hong Kong)                      

N.    Metropolitan Life Insurance Company (MLIC) (NY)                           

1.    334 Madison Euro Investments, Inc. (DE)                       

2.    St. James Fleet Investments Two Limited (Cayman Islands)      

    a)    Park Twenty Three Investments Company (United Kingdom)

               i)    Convent Station Euro Investments Four Company (United
Kingdom)                        

                    aa)    OMI MLIC Investments Limited (Cayman Islands)

3.    CRB Co., Inc. (MA)                                            

4.    MLIC Asset Holdings II LLC (DE)                               

a)    El Conquistador MAH II LLC (DE)                   

         b)    Mansell Office LLC (DE) - 73.0284% of Mansell Office LLC is
                owned by MLIC Asset Holdings II LLC and 26.9716% is owned by
MLIC CB Holdings LLC.                       

         c)    Mansell Retail LLC (DE) - 73.0284% of Mansell Retail LLC is
                owned by MLIC Asset Holdings II LLC and 26.9716% is owned by
MLIC CB Holdings LLC.                       

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5.    CC Holdco Manager (DE)                                        

6.    Alternative Fuel I, LLC (DE)                                  

7.    Transmountain Land & Livestock Company (MT)                   

8.    MetPark Funding, Inc. (DE)                                    

9.    HPZ Assets LLC (DE)                                           

10.   Missouri Reinsurance, Inc. (Cayman Islands)                   

11.   Metropolitan Tower Realty Company, Inc. (DE)                  

a)    Midtown Heights, LLC (DE)                         

12.   MetLife Real Estate Cayman Company (Cayman Islands)           

13.   MetLife RC SF Member, LLC (DE)                                

14.   MetLife Private Equity Holdings, LLC (DE)                     

15.   23rd Street Investments, Inc. (DE)                            

      a)    MetLife Capital Credit L.P. (DE)- 1% General Partnership
             interest is held by 23rd Street Investments, Inc. and 99%
             Limited Partnership interest is held by Metropolitan Life
Insurance Company.                          

   b)    MetLife Capital, Limited Partnership (DE)- 1% General
                 Partnership interest is held by 23rd Street Investments, Inc.
                and 99% Limited Partnership interest is held by Metropolitan
Life Insurance Company.                     

             i)    Long Island Solar Farm, LLC (DE) - 9.61% membership
                       interest is held by MetLife Renewables Holding, LLC and
                   90.39% membership interest is held by LISF in which
                       MetLife Capital Limited Partnership has 100% beneficial
interest.                       

16.   Hyatt Legal Plans, Inc. (DE)                                  

a)    Hyatt Legal Plans of Florida, Inc. (FL)           

17.   MetLife Holdings, Inc. (DE)                                   

a)    MetLife Credit Corp. (DE)                         

b)    MetLife Funding, Inc. (DE)                        

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18.   MetLife Investments Asia Limited (Hong Kong)                  

19.   MetLife Investments Limited (United Kingdom)- 23rd Street     
         Investments, Inc. holds one share of MetLife Investments Limited.

      20.   MetLife Latin America Asesorias e Inversiones Limitada (Chile)- 23rd
     Street Investments, Inc. holds 0.01% of MetLife Latin America
Asesorias e Inversiones Limitada.                       

21.   New England Life Insurance Company (MA)                       

a)    New England Securities Corporation (MA)           

22.   General American Life Insurance Company (MO)                  

a)    GALIC Holdings LLC (DE)                           

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23.   Corporate Real Estate Holdings, LLC (DE)                      

   24.   Ten Park SPC (Cayman Islands) - 1% voting control of Ten Park SPC
is held by 23rd Street Investments, Inc.                

25.   MetLife Tower Resources Group, Inc. (DE)                      

26.   Headland-Pacific Palisades, LLC (CA)                          

27.   Headland Properties Associates (CA) - 1% is owned by          
        Headland-Pacific Palisades, LLC and 99% is owned by Metropolitan
Life Insurance Company.                                 

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 Investment Funds Services LLC (NJ)         

i)   MetLife Associates LLC (DE)              

34.   Euro CL Investments LLC (DE)                                  

35.   MEX DF Properties, LLC (DE)                                   

   36.   MSV Irvine Property, LLC (DE) - 4% of MSV Irvine Property, LLC is
         owned by Metropolitan Tower Realty Company, Inc. and 96% is owned
by Metropolitan Life Insurance Company                  

37.   MetLife Properties Ventures, LLC (DE)                         

a)   Citypoint Holdings II Limited (United Kingdom)     

38.   Housing Fund Manager, LLC (DE)                                

       a)   MTC Fund I, LLC (DE) - 0.01% of MTC Fund I, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

         b)   MTC Fund II, LLC (DE) - 0.01% of MTC Fund II, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

           c)   MTC Fund III, LLC (DE) - 0.01% of MTC Fund III, LLC is held by
               Housing Fund Manager, LLC. - Housing Fund Manager, LLC is the
               managing member LLC and the remaining interests are held by a
third party member.                           

39.   MLIC Asset Holdings LLC (DE)                                  

40.   85 Broad Street Mezzanine LLC (DE)                            

a)   85 Broad Street LLC (DE)                           

41.   The Building at 575 Fifth Avenue Mezzanine LLC (DE)           

a)   The Building at 575 Fifth LLC (DE)                 

42.   ML Bridgeside Apartments LLC (DE)                             

   43.   Para-Met Plaza Associates (FL)- 75% of the General Partnership is
          held by Metropolitan Life Insurance Company and 25% of the General
      Partnership is held by Metropolitan Tower Realty Company, Inc.

44.   MLIC CB Holdings LLC (DE)                                     

45.   Met II Office Mezzanine LLC (FL) - 10.4167% of the membership 
          interest is owned by Metropolitan Tower Life Insurance Company and
 89.5833% is owned by Metropolitan Life Insurance Company.

a)   Met II Office, LLC (FL)                            

46.   The Worthington Series Trust (DE)                             

    47.   MetLife CC Member, LLC (DE) - 63.415% of MetLife CC Member, LLC is
       held by Metropolitan Life Insurance Company, 17.073% by MetLife
     Investors USA Insurance Company, 14.634% by MetLife Insurance
            Company of Connecticut and 4.878% by General American Life Insurance
Company.                                                

48.   Oconee Hotel Company, LLC (DE)                                

49.   Oconee Land Company, LLC (DE)                                 

a)  Oconee Land Development Company, LLC (DE)           

b)  Oconee Golf Company, LLC (DE)                       

c)  Oconee Marina Company, LLC (DE)                     

50.   1201 TAB Manager, LLC (DE)                                    

51.   MetLife 1201 TAB Member, LLC (DE) - 69.66% of MetLife 1201 TAB
           Member, LLC is owned by Metropolitan Life Insurance Company, 12.07%
            is owned by MetLife Investors USA Insurance Company, 15.17% is owned
        by MetLife Insurance Company of Connecticut and 3.1% is owned by
Metropolitan Property and Casualty Insurance Company.   

          a)  1201 TAB Owner, LLC (DE) - 50% of 1201 TAB Owner, LLC is owned
               by Metlife 1201 TAB Member, LLC and the remainder is owned by a
            third party. Metlife 1201 TAB Manager, LLC is the manager of
1201 TAB Owner, LLC.                            

     52.   MetLife LHH Member, LLC (DE) - 69.23% of MetLife LHH Member, LLC is
        owned by Metropolitan Life Insurance Company, 19.78% is owned by
          MetLife Investors USA Insurance Company and 10.99% is owned by New
England Life Insurance Company.                         

53.   Ashton Southend GP, LLC (DE)                                  

    54.   Tremont Partners, LP (DE) - 99.9% LP interest of Tremont Partners,
      LP is owned by Metropolitan Life Insurance Company and 0.1% GP
interest is owned by Ashton Southend GP, LLC.           

55.   Riverway Residential, LP (DE) - 99.9% LP interest of Riverway 
           Residential, LP is owned by Metropolitan Life Insurance Company and
            0.1% GP interest is owned by Metropolitan Tower Realty Company, Inc.

56.   10420 McKinley Partners, LP (DE) - 99.9% LP interest of 10420 
     McKinley Partners, LP is owned by Metropolitan Life Insurance
          Company and 0.1% GP interest is owned by Metropolitan Tower Realty
Company, Inc.                                           

57.   Ardrey Kell Townhomes, LLC (DE)                               

58.   Boulevard Residential, LLC (DE)                               

59.   465 N. Park Drive, LLC (DE)                                   

60.   Ashton Judiciary Square, LLC (DE)                             

     61.   Sandpiper Cove Associates, LLC (DE) - 90.59% membership interest of
          Sandpiper Cove Associates, LLC is owned by MLIC and 9.41% is owned
by Metropolitan Tower Realty Company.                   

62.   1900 McKinley Properties, LP (DE) - 99.9% LP interest of 1900 
        McKinley Properties, LP is owned by MLIC and 0.1% GP interest is
owned by Metropolitan Tower Realty Company, Inc.        

63.   Marketplace Residences, LLC (DE)                              

64.   ML Swan Mezz, LLC (DE)                                        

a)    ML Swan GP, LLC (DE)                              

65.   ML Dolphin Mezz, LLC (DE)                                     

a)    ML Dolphin GP, LLC (DE)                           

66.   Haskell East Village, LLC (DE)                                

67.   MetLife Cabo Hilton Member, LLC (DE) - 54.129% of MetLife Cabo
           Hilton Member, LLC is owned by MLIC, 16.9% by General American Life
           Insurance Company, 16.9% by MetLife Investors USA Insurance Company
and 12.071% by MetLife Insurance Company of Connecticut.

68.   ML Terraces, LLC (DE)                                         

69.   Chestnut Flats Wind, LLC (DE)                                 

70.   MetLife 425 MKT Member, LLC (DE)                              

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)                       

        1)   Dewey Square Tower Associates, LLC (MA)

    72.   MetLife THR Investor, LLC (DE) - 85% of MetLife THR Investors, LLC
is owned by MLIC and 15% is owned by MICC.              

  73.   ML Southmore, LLC (DE) - 75.12% of ML Southmore, LLC is owned by
MLIC and 24.88% is owned by MICC.                       

74.   ML - AI MetLife Member 1, LLC (DE) - 83.675% of the membership
  interest is owned by MLIC, 5.762% by MLI USA and 4.801% by
Metropolitan Property and Casualty Insurance Company.   

         a)   ML - AI Venture 1, LLC (DE) - 51% of ML-AI Venture 1, LLC is
            owned by ML-AI MetLife Member 1, LLC and 49% is owned by a
              third party. MetLife Investment Management, LLC is the asset
manager.                                      

i)   ML-AI 125 Wacker, LLC (DE)               

75.   MetLife CB W/A, LLC (DE)                                      

 76.   MetLife Camino Ramon Member, LLC (DE) - 78.6% of MetLife Camino
      Ramon Member, LLC is owned by MLIC and 21.4% is owned by MICC.

O.    MetLife Capital Trust IV (DE)                                             

P.    MetLife Insurance Company of Connecticut (MICC) (CT) - 86.72% is owned by 
MetLife, Inc. and 13.28% by MetLife Investors Group, Inc.           

1.    MetLife Property Ventures Canada ULC (Canada)                 

      2.    Pilgrim Alternative Investments Opportunity Fund III Associates, LLC
           (CT) - 67% is owned by MetLife Insurance Company of Connecticut and
33% is owned by third party.                            

3.    Metropolitan Connecticut Properties Ventures, LLC (DE)        

4.    MetLife Canadian Property Ventures LLC (NY)                   

5.    Euro TI Investments LLC (DE)                                  

6.    Greenwich Street Investments, L.L.C. (DE)                     

  a)    Greenwich Street Capital Offshore Fund, Ltd. (Virgin
Islands)                                    

b)    Greenwich Street Investments, L.P. (DE)           

7.    One Financial Place Corporation (DE) - 100% is owned in the   
aggregate by MetLife Insurance Company of Connecticut.  

8.    Plaza LLC (CT)                                                

9.    TIC European Real Estate LP, LLC (DE)                         

10.   MetLife European Holdings, LLC (DE)                           

a)    MetLife Assurance Limited (United Kingdom)        

11.   Travelers International Investments Ltd. (Cayman Islands)     

12.   Euro TL Investments LLC (DE)                                  

13.   Corrigan TLP LLC (DE)                                         

14.   TLA Holdings LLC (DE)                                         

a)    The Prospect Company (DE)                         

     15.   TRAL & Co. (CT) - TRAL & Co. is a general partnership. Its partners
          are MetLife Insurance Company of Connecticut and Metropolitan Life
Insurance Company.                                      

16.   MetLife Investors USA Insurance Company (MLI USA) (DE)        

a)    MetLife Renewables Holding, LLC (DE)              

i)    Greater Sandhill I, LLC (DE)          

17.   TLA Holdings II LLC (DE)                                      

18.   TLA Holdings III LLC (DE)                                     

 19.   MetLife Greenstone Southeast Venture, LLC (DE) - 95% of MetLife
       Greenstone Southeast Venture, LLC is owned by MetLife Insurance
          Company of Connecticut and 5% is owned by Metropolitan Connecticut
Properties Ventures, LLC.                               

a)    MLGP Lakeside, LLC (DE)                           

Q.    MetLife Reinsurance Company of South Carolina (SC)                        

R.    MetLife Investment Management, LLC (DE)                                   

1.   MetLife International PE Fund I GP LLC (DE)                    

           a)    MetLife International PE Fund I, LP (Cayman Islands) - 92.5935%
                 of the Limited Partnership interests of this entity is owned by
               MetLife Alico Life Insurance K.K., 4.115% is owned by MetLife
                 Mexico S.A., 2.716% is owned by MetLife Limited (Hong Kong) and
              the remaining 0.576% is owned by Metropolitan Life Insurance
Company of Hong Kong Limited.                 

2.   MetLife Loan Asset Management LLC (DE)                         

3.   MetLife Core Property Fund GP, LLC (DE)                        

           a)   MetLife Core Property Fund, LP (DE) - MetLife Core Property Fund
                GP, LLC is the general partner of MetLife Core Property Fund, LP
               (the "Fund"). A substantial majority of the limited partnership
              interests in the Fund are held by third parties. The following
           affiliates hold a minority share of the limited partnership
               interests in the Fund: Metropolitan Life Insurance Company owns
            23.7%, General American Life Insurance Company owns 0.1% and
   MetLife Insurance Company of Connecticut owns 0.2%.

i)   MetLife Core Property REIT, LLC (DE)       

                  aa)   MetLife Core Property Holdings, LLC (DE) - MetLife
                     Core Property Holdings, LLC holds the following
                        single-property limited liability companies: MCP 7
                          Riverway, LLC, MCP SoCal Industry- Redondo, LLC, MCP
                 SoCal Industrial-Springdale, LLC, MCP SoCal
          Industrial-Concourse, LLC, MCP SoCal
         Industrial-Kellwood, LLC, MCP SoCal
                           Industrial-Bernado, LLC, MCP SoCal Industrial-Canyon,
                       LLC, MCP SoCal Industrial-Anaheim, LLC, MCP SoCal
                          Industrial-LAX, LLC, MCP SoCal Industrial-Fullerton,
                       LLC, MCP SoCal Industrial-Ontario, LLC, MCP SoCal
                        Industrial-Loker, LLC, MCP Paragon Point, LLC, MCP
                         4600 South Syracuse, LLC, MCP The Palms Doral, LLC,
                          MCP Waterfront 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 and MCP Ashton South End,
LLC                       

S.    MetLife Standby I, LLC (DE)                                               

1.   MetLife Exchange Trust I (DE)                                  

T.    MetLife Services and Solutions, LLC (DE)                                  

1.   MetLife Solutions Pte. Ltd. (Singapore)                        

a)    MetLife Services East Private Limited (India)       

    b)    MetLife Global Operations Support Center Private Limited
                 (India) - 99.99999% is owned by MetLife Solutions Pte. Ltd. and
  0.00001% is owned by Natiloportem Holdings, Inc.

U.    SafeGuard Health Enterprises, Inc. (DE)                                   

1.   MetLife Health Plans, Inc. (DE)                                

2.   SafeGuard Health Plans, Inc. (CA)                              

3.   SafeHealth Life Insurance Company (CA)                         

4.   SafeGuard Health Plans, Inc. (FL)                              

5.   SafeGuard Health Plans, Inc. (NV)                              

6.   SafeGuard Health Plans, Inc. (TX)                              

V.    MetLife Capital Trust X (DE)                                              

W.    Cova Life Management Company (DE)                                         

X.    MetLife Reinsurance Company of Charleston (SC)                            

Y.    MetLife Reinsurance Company of Vermont (VT)                               

Z.    Delaware American Life Insurance Company (DE)                             

AA.   Federal Flood Certification LLC (TX)                                      

AB.   American Life Insurance Company (ALICO) (DE)                              

1.    MetLife ALICO Life Insurance K.K. (Japan)                     

a)  Nagasaki Operation Yugen Kaisha (Japan)       

b)  Communication One Kabushiki Kaisha (Japan)    

c)  Financial Learning Kabushiki Kaisha (Japan)   

2.    MetLife Global Holding Company I GmbH (Swiss I) (Switzerland) 

   a)  MetLife Global Holding Company II GmbH (Swiss II)
(Switzerland)                             

                i)  MetLife Emeklilik ve Hayat A.S. (Turkey) - 99.9788% 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 Maser D (Russia)          

                          1) ZAO ALICO Insurance Company (Russia) - 51% of ZAO
                            ALICO Insurance Company is owned by ZAO Master D
                      and 49% is owned by MetLife Global Holding
Company II GmbH.    

      ii) MetLife EU Holding Company Limited (Ireland)

                   aa) MetLife Europe Limited (Ireland) - 93% of MetLife
                           Europe Limited is owned by MetLife EU Holding Company
       Limited and 7% is owned by ALICO.

                          1. MetLife Pension Trustees Limited (United Kingdom)

bb) Agenvita S.r.l. (Italy)       

                    cc) MetLife Europe Insurance Limited (Ireland)- 93% of
                          MetLife Europe Insurance Limited is owned by MetLife
                          EU Holding Company Limited and 7% is owned by ALICO.

           dd) MetLife Europe Services Limited (Ireland)

            ee) MetLife Insurance Limited (United Kingdom)

  ff) MetLife Limited (United Kingdom)

             gg) MetLife Services, Sociedad Limitada (Spain)

                  hh) MetLife Insurance S.A./NV (Belgium) - 99.999% of
                      MetLife Insurance S.A./NV is owned by MetLife EU
                    Holding Company Limited and 0.001% is owned by
Natilportem Holdings, Inc.

   ii) MetLife Solutions S.A.S. (France)

  jj) Metlife Biztosito Zrt. (Hungary)

                          1) First American-Hungarian Insurance Agency Limited
(Hungary)           

              kk) Metropolitan Life Asigurari S.A. (Romania) -
                        99.9982018% of Metropolitan Life Asigurari S.A. is
                         owned by MetLife EU Holding Company Limited and the
                    remaining 0.0017982% is owned by International
              Technical and Advisory Services Limited.

                       1) ALICO Societate de Administrare a unui Fond de
                      Pensii Administrat Privat S.A. (Romania) -
                              99.9748% of ALICO Societate de Administrare a unui
                              Fond de Pensii Administrat Privat S.A. is owned by
                             ALICO Asigurari Romania S.A. and 0.0252% is owned
         by AMPLICO Services Sp z.o.o.

                    2) Metropolitan Training and Consulting S.R.L.
(Romania)           

                      3) APF Societate de Administrare a Fondurilor De
                          Pensii Facultative (APF) (Romania) - 99.99% of
                            APF is owned by Metropolitan Life Asigurari S.A.
               and 0.01% is owned by ITAS Limited.

             ll) MetLife AMSLICO poist'ovna, a.s. (Slovakia)

                        1) ALICO Services Central Europe s.r.o. (Slovakia)

                      2) ALICO Funds Central Europe sprav. spol., a.s.
(Slovakia)          

           mm) MetLife pojist'ovna a.s. (Czech Republic)

                     nn) AMPLICO Life-First American Polish Life Insurance &
        Reinsurance Company, S.A. (Poland)

            a) Amplico Services Sp z.o.o. (Poland)

                       b) AMPLICO Towartzystwo Funduszky Inwestycyjnych,
S.A. (Poland)       

                        c) AMPLICO Powszechne Towartzystwo Emerytalne S.A.
                            (Poland) - 50% of AMPLICO Powszechne Towarzystwo
                          Emerytalne S.A. is owned by AMPLICO Life-First
                        American Polish Life Insurance & Reinsurance
                           Company, S.A. and the remaining 50% is owned by
               MetLife EU Holding Company Limited.

            oo) MetLife Holdings (Cyprus) Limited (Cyprus)

                         a) American Life Insurance Company (Cyprus) Limited
(Cyprus)            

                      pp) ALICO Bulgaria Zhivotozastrahovatelno Druzhestvo EAD
(Bulgaria)                

                    qq) MetLife Alico Life Insurance Company S.A. (Greece)

                        a) ALICO Mutual Fund Management Company (Greece) -
                          90% of ALICO Mutual Fund Management Company is
                              owned by MetLife Alico Life Insurance Company S.A.
                             (Greece) and the remaining interests are owned by
third parties.      

3.    Pharaonic American Life Insurance Company (Egypt) - 84.125% of
           Pharaonic American Life Insurance Company is owned by ALICO and the
remaining interests are owned by third parties.         

     4.    American Life Insurance Company (Pakistan) Ltd. (Pakistan) - 81.96%
            of American Life Insurance Company (Pakistan) Ltd. is owned by ALICO
and the remaining interests are owned by third parties. 

5.    International Investment Holding Company Limited (Russia)     

6.    MetLife Akcionarsko Drustvo za Zivotno Osiguranje (Serbia) -  
        99.98% of MetLife Akcionarska Drustvoza za Zivotno Osiguranje is
        owned by ALICO and the remaining 0.02% is owned by International
Technical and Advisory Services Limited.                

7.    ALICO Management Services Limited (United Kingdom)            

8.    ZEUS Administration Services Limited (United Kingdom)         

   9.    ALICO Trustees Ltd. (United Kingdom) - 50% of ALICO Trustees (UK)
     Ltd. is owned by ALICO and the remaining interest is owned by
International Technical and Advisory Services Limited.  

  10.   PJSC ALICO Ukraine (Ukraine) - 99.9988% of PJSC ALICO Ukraine is
      owned by ALICO 0.0006% is owned by International Technical and
       Advisory Services Limited and the remaining 0.0006% is owned by
Borderland Investment Limited.                          

11.   Borderland Investment Limited (USA-Delaware)                  

           a)    ALICO Hellas Single Member Limited Liability Company (Greece)

12.   International Technical and Advisory Services Limited (ITAS)  
(USA-Delaware)                                          

13.   ALICO Operations Inc. (USA-Delaware)                          

a)    MetLife Asset Management Corp. (Japan)            

   14.   MetLife Colombia Seguros de Vida S.A. (Colombia) - 94.9899823% of
           MetLife Colombia Seguros de Vida S.A. is owned by ALICO, 5.0100106%
         is owned by International Technical and Advisory Services Limited
and the remaining interests are owned by third parties. 

  15.   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 International
Technical and Advisory Services Limited.                

      16.   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).                                  

  17.   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)            

18.   Alpha Properties, Inc. (USA-Delaware)                         

19.   Beta Properties, Inc. (USA-Delaware)                          

20.   Delta Properties Japan, Inc. (USA-Delaware)                   

21.   Epsilon Properties Japan, Inc. (USA-Delaware)                 

22.   Iris Properties, Inc. (USA-Delaware)                          

23.   Kappa Properties Japan, Inc. (USA-Delaware)                   

AC.   MetLife Global Benefits, Ltd. (Cayman Islands)                            

AD.   Inversiones Metlife Holdco Dos Limitada (Chile) - 99.999338695% of        
Inversiones MetLife Holdco Dos Limitada is owned by MetLife, Inc.,  
0.00065469% is owned by MetLife International Holdings, Inc. and    
0.000006613% is owned by Natiloportem.                              

AE.   MetLife Consumer Services, Inc. (DE)                                      

AF.   MetLife Reinsurance Company of Delaware (DE)                              

1) The voting securities (excluding directors' qualifying shares, if any) of    
each subsidiary shown on the organizational chart are 100% owned by their       
respective parent corporation, unless otherwise indicated.                      

2) The Metropolitan Money Market Pool and MetLife Intermediate Income Pool are  
pass-through investment pools, of which Metropolitan Life Insurance Company     
and/or its subsidiaries and/or affiliates are general partners.                 

3) The MetLife, Inc. organizational chart does not include real estate joint    
ventures and partnerships of which MetLife, Inc. and/or its subsidiaries is an  
investment partner. In addition, certain inactive subsidiaries have also been   
omitted.                                                                        

4) MetLife Services EEIG is a cost-sharing mechanism used in the EU for EU-     
affiliated members.                                                             

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ITEM 27.    NUMBER OF CONTRACT OWNERS                                           

As of January 31, 2014, there were 415,286 owners of qualified contracts and    
185,826 owners of non-qualified contracts offered by the Registrant (MetLife    
Investors USA Separate Account A).                                              

ITEM 28.    INDEMNIFICATION                                                     

The Depositor's parent, MetLife, Inc. has secured a Financial Institution Bond  
in the amount of $50,000,000, subject to a $5,000,000 deductible. MetLife, Inc. 
also maintains a Directors' and Officers' Liability and Corporate Reimbursement 
Insurance Policy with limits of $400 million under which the Depositor and      
MetLife Investors Distribution Company, the Registrant's underwriter (the       
"Underwriter"), as well as certain other subsidiaries of MetLife are covered. A 
provision in MetLife, Inc.'s by-laws provides for the indemnification (under    
certain circumstances) of individuals serving as directors or officers of       
certain organizations, including the Depositor and the Underwriter.             

A director of the corporation shall not be personally liable to the corporation 
or its stockholders for monetary damages for breach of fiduciary duty as a      
director, except for liability (i) for any breach of the director's duty of     
loyalty to the corporation or its stockholders, (ii) for acts or omissions not  
in good faith or which would involve intentional misconduct or a knowing        
violation of law, (iii) under Section 174 of the Delaware General Corporation   
Law, or (iv) for any transaction from which the director derived any improper   
personal benefit. The foregoing sentence notwithstanding, if the Delaware       
General Corporation Law hereafter is amended to authorized further limitations  
of the liability of a director of a corporation, then a director of the         
corporation, in addition to the circumstances in which a director is not        
personally liable as set forth in the preceding sentence, shall be held free    
from liability to the fullest extent permitted by the Delaware General          
Corporation Law as so amended. Any repeal or modification of the foregoing      
provisions of this Article 7 by the stockholders of the corporation shall not   
adversely affect any right or protection of a director of the corporation       
existing at the time of such repeal or modification.                            

Insofar as indemnification for liability arising under the Securities Act of    
1933 may be permitted to directors and officers or controlling persons of the   
Company pursuant to the foregoing, or otherwise, the Company has been advised   
that in the opinion of the Securities and Exchange Commission such              
indemnification is against public policy as expressed in the Act and is,        
therefore, unenforceable. In the event that a claim for indemnification against 
such liabilities (other than the payment by the Company of expenses incurred or 
paid by a director, officer or controlling person of the Company in the         
successful defense of any action, suit or proceeding) is asserted by such       
director, officer or controlling person in connection with the securities being 
registered, the Company will, unless in the opinion of its counsel the matter   
has been settled by controlling precedent, submit to a court of appropriate     
jurisdiction the question whether such indemnification by it is against public  
policy as expressed in the Act and will be governed by the final adjudication of
such issue.                                                                     

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ITEM 29.    PRINCIPAL UNDERWRITER                                               

   (a) MetLife Investors Distribution Company is the principal underwriter
for the following investment companies (other than Registrant):                 

MetLife of CT Separate Account Eleven for Variable Annuities                    
MetLife of CT Separate Account QPN for Variable Annuities                       
MetLife of CT Fund UL for Variable Life Insurance,                              
MetLife of CT Fund UL III for Variable Life Insurance                           
Metropolitan Life Variable Annuity Separate Account II                          
Met Investors Series Trust                                                      
MetLife Investors Variable Annuity Account One                                  
MetLife Investors Variable Life Account One                                     
MetLife Investors USA Separate Account A                                        
MetLife Investors USA Variable Life Account A                                   
First MetLife Investors Variable Annuity Account One                            
General American Separate Account Eleven                                        
General American Separate Account Twenty-Eight                                  
General American Separate Account Twenty-Nine                                   
General American Separate Account Two                                           
Security Equity Separate Account 26                                             
Security Equity Separate Account 27                                             
Metropolitan Life Separate Account E                                            
Metropolitan Life Separate Account UL                                           
Metropolitan Tower Life Separate Account One                                    
Metropolitan Tower Life Separate Account Two                                    
Paragon Separate Account A                                                      
Paragon Separate Account B                                                      
Paragon Separate Account C                                                      
Paragon Separate Account D                                                      
Metropolitan Series Fund                                                        
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 and President                    
1095 Avenues of the Americas                                                    
New York, NY 10036                                                              

Paul A. LaPiana                       Director, Executive Vice President,       
11225 North Community House Road      National Sales Manager-Life               
Charlotte, NC 28277                                                             

Andrew G. Aiello                      Senior Vice President,                    
5 Park Plaza                          Channel Head - National Accounts          
Suite 1900                                                                      
Irvine, CA 92614                                                                

Jay S. Kaduson                        Senior Vice President                     
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

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                                                              

John G. Martinez                      Vice President, Chief Financial Officer   
18210 Crane Nest Dr                                                             
Tampa, FL 33647                                                                 

John P. Kyne III                      Vice President, Director of Compliance    
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

David DeCarlo                         Vice President                            
11225 North Community House Road                                                
Charlotte, NC 28277                                                             

Paul M. Kos                           Vice President                            
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

Cathy A. Sturdivant                   Vice President                            
5 Park Plaza                                                                    
Suite 1900                                                                      
Irvine, CA 92614                                                                

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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        $456,083,088        $0               $0         $0       
Distribution Company                                                              

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, 27000 Westown Parkway, Suite 200,
West Des Moines, IA 50266                         

        (c)  State Street Bank & Trust Company, 225 Franklin Street, Boston,
MA 02110                                          

          (d)  MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900,
Irvine, CA 92614                                  

     (e)  MetLife Investors USA Insurance Company, 5 Park Plaza, Suite
1900, Irvine, CA 92614                            

     (f)  Metropolitan Life Insurance Company, 18210 Crane Nest Drive,
Tampa, FL 33647                                   

          (g)  Metropolitan Life Insurance Company, 501 Boylston Street, Boston,
MA 02116                                          

       (h)  Metropolitan Life Insurance Company, 200 Park Avenue, NY 10166

ITEM 31.    MANAGEMENT SERVICES                                                 

Not Applicable.                                                                 

ITEM 32.    UNDERTAKINGS                                                        

    a. Registrant hereby undertakes to file a post-effective amendment to this
registration statement as frequently as is necessary to ensure that the audited 
financial statements in the registration statement are never more than sixteen  
(16) months old for so long as payment under the variable annuity contracts may 
be accepted.                                                                    

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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.                                     

  d. MetLife Investors USA Insurance Company ("Company") hereby represents
that the fees and charges deducted under the Contracts described in the         
Prospectus, in the aggregate, are reasonable in relation to the services        
rendered, the expenses to be incurred and the risks assumed by the Company.     

 REPRESENTATIONS

     a. 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.                           

  b. 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
Post-Effective Amendment to the Registration Statement to be signed on its      
behalf, in Boston, Massachusetts, on April 11, 2014.                            

                                        METLIFE INVESTORS USA SEPARATE ACCOUNT A
            (Registrant)

                                   By: METLIFE INVESTORS USA INSURANCE COMPANY

                 By: /s/ Gregory E. Illson
                                        ----------------------------------------
                 Gregory E. Illson
              Vice President

                                       METLIFE INVESTORS USA INSURANCE COMPANY
           (Depositor)

                 By: /s/ Gregory E. Illson
                                        ----------------------------------------
                 Gregory E. Illson
              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 11, 2014.  

/s/ Eric Thomas Steigerwalt             Chairman of the Board, President, Chief 
-------------------------------------   Executive Officer and Director          
Eric Thomas Steigerwalt                                                         

/s/ Elizabeth M. Forget                 Executive Vice President and Director   
-------------------------------------                                           
Elizabeth M. Forget                                                             

/s/ Peter M. Carlson                    Executive Vice President and Chief      
-------------------------------------   Accounting Officer                      
Peter M. Carlson                                                                

/s/ James J. Reilly                     Vice President-Finance                  
-------------------------------------   (principal financial officer)           
James J. Reilly                                                                 

/s/ Jay Stuart Kaduson                  Vice President and Director             
-------------------------------------                                           
Jay Stuart Kaduson                                                              

/s/ Stephen Myles Kessler               Vice President and Director             
-------------------------------------                                           
Stephen Myles Kessler                                                         

/s/ Lisa Stella Kuklinski               Vice President and Director             
-------------------------------------                                           
Lisa Stella Kuklinski                                                           

/s/ Susan Ann Buffum                    Director                                
-------------------------------------                                           
Susan Ann Buffum                                                                

/s/ Kumar Das Gupta                     Director                                
-------------------------------------                                           
Kumar Das Gupta                                                                 

/s/ Dina Rosalind Lumerman              Director                                
-------------------------------------                                           
Dina Rosalind Lumerman                                                          

              By: /s/ Myra L. Saul
                                      ------------------------------------
                                Myra L. Saul, Attorney-in-fact
                April 11, 2014

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