<PAGE>
-----------
May 1, 2000
-----------
MetLife Settlement Plus(Service Mark), A Variable Income Annuity
Issued by Metropolitan Life Insurance Company
This Prospectus describes an income annuity contract (the "Income Annuity")
which may be used to fund the financial obligations for periodic payments under
a structured settlement.
================================================================================
Money is allocated among the Income Annuity's available investment choices. The
choices may include the Fixed Income Option (not described in this Prospectus)
and investment divisions available through Metropolitan Life Separate Account E
which divisions, in turn, invest in the following corresponding portfolios of
the Metropolitan Series Fund, Inc. ("Metropolitan Fund"):
MetLife Stock Index Harris Oakmark Large Cap Value
State Street Research Growth Lehman Brothers Aggregate Bond Index
State Street Reseach Diversified T. Rowe Price Large Cap Growth
How to learn more:
Before agreeing to a structured settlement pursuant to which settlement money
may be invested in an Income Annuity, read this Prospectus. The Prospectus
contains information about the Income Annuity and Metropolitan Life Separate
Account E which you should know before making your decision. Keep this
Prospectus for future reference. For more information, request a copy of the
Statement of Additional Information ("SAI"), dated May 1, 2000. The SAI is
considered part of this Prospectus as though it were included in the Prospectus.
The Table of Contents of the SAI appears on page 24 of this Prospectus. To
request a free copy of the SAI or to ask questions, write or call:
Metropolitan Life Insurance Company
Structured Settlement Group
200 Park Avenue Area 5P
New York, NY 10166-0188 [GRAPHIC OMITTED]
Attention: MetLife Settlement Plus
Phone: (800) 638-0051
The Securities and Exchange Commission has a website (http://www.sec.gov) which
you may visit to view this Prospectus, SAI and other information. The Securities
and Exchange Commission has not approved or disapproved these securities or
determined if this Prospectus is truthful or complete. Any representation
otherwise is a criminal offense.
The current Metropolitan Fund Prospectus is attached to the back of this
Prospectus. You should also read the Metropolitan Fund Prospectus carefully
before agreeing to a structured settlement pursuant to which an Income Annuity
may be purchased. This Prospectus is not valid unless attached to a Metropolitan
Fund Prospectus.
- --------------------------------------------------------------------------------
Income Annuity
This Income Annuity provides a stream of payments. Your income payments will
vary to reflect the performance of the portfolios underlying the selected
investment divisions. In addition, the amount of your income payment is also
based on the amount of the purchase payment, the income payment type and
personal factors such as your age.
A word about investment risk:
An investment in any variable annuity involves investment risk. As a result, the
value of your income payments will fluctuate and may decrease. Money invested is
NOT:
o a bank deposit or obligation;
o federally insured or guaranteed; or
o endorsed by any bank or other financial institution.
- --------------------------------------------------------------------------------
MetLife(Registered)
<PAGE>
TABLE OF CONTENTS
Important Terms You Should Know ........................................... 4
Table of Expenses ......................................................... 6
MetLife ................................................................... 8
Metropolitan Life Separate Account E ...................................... 8
Settling Your Claim ....................................................... 9
The Income Annuity ........................................................ 9
Investment Choices ..................................................... 10
Income Payment Types ................................................... 11
Allocation of Purchase Payment ......................................... 12
The Value of Your Income Payments ...................................... 13
Initial Variable Income Payment....................................... 13
Annuity Units......................................................... 13
AIR................................................................... 13
Valuation............................................................. 14
Contract Fee ........................................................... 15
Assignment Fee ......................................................... 15
Premium Taxes .......................................................... 15
Charges ................................................................ 16
Separate Account Charge .............................................. 16
Investment-Related Charge ............................................ 16
General Information ....................................................... 16
Administration ......................................................... 16
Purchase Payments .................................................... 16
Receiving Income Payments and Information ............................ 17
Advertising Performance ................................................ 17
Changes to the Income Annuity .......................................... 18
Voting Rights .......................................................... 19
Who Sells the Income Annuity ........................................... 19
Purchases in Certain States ............................................ 19
Financial Statements ................................................... 20
<PAGE>
Federal Tax Treatment ..................................................... 20
Tax Treatment of Income Payments Received in Settlement
of Personal Physical Injury Claims .................................. 20
A Defendant May Assign Its Obligation to Make Income
Payments to You ..................................................... 21
Using the Income Annuity to Fund Qualified Assignments ................. 21
Owners Other than MIAC.................................................. 23
Table of Contents for the Statement for Additional Information ............ 24
Appendix for Premium Tax Table ............................................ 25
MetLife does not intend to offer the Income Annuity anywhere it may not lawfully
be offered and sold. MetLife has not authorized any information or
representations about the Income Annuity other than the information in this
Prospectus, the attached prospectus, supplements to the prospectuses or any
supplemental sales material we authorize.
[GRAPHIC OMITTED]
3
<PAGE>
[GRAPHIC OMITTED]
Important Terms You Should Know
Annuity Units
An annuity unit is the unit of measurement used to determine the amount of each
variable income payment. The initial variable income payment is converted into
annuity units for a specific investment division by dividing the initial
variable income payment by the annuity unit value for that investment division
on the day we receive all properly completed documents. The resulting number of
annuity units under the Income Annuity remains constant for the life of the
contract.
Annuity Unit Value
We determine the value of annuity units for each investment division each day
the New York Stock Exchange is open for regular trading. The values increase or
decrease based on the investment performance of the corresponding underlying
portfolios.
Assumed Investment Return (AIR)
Under the Income Annuity, the AIR is a hypothetical percentage rate of return
used to determine the amount of the initial variable income payment. The AIR is
also the benchmark that is used to measure the investment performance of a given
investment division to determine the amount of all subsequent income payments to
you.
Claim
A claim is your request to be compensated or provided with other relief for a
loss because of a personal physical injury or physical sickness. Your claim may
be resolved in a number of ways including, for example, voluntary agreement of
the parties, as in a pre-trial settlement, operation of law, a court ordered
judgment, or an administrative ruling. For convenience, we use this term
regardless of whether or not a legal proceeding has been instituted.
Contract
A contract is the legal agreement between the owner and MetLife. Although you
are not the owner of the contract, usually you will receive a copy of the
contract and the income payments under the contract. The contract contains the
relevant provisions of the Income Annuity. MetLife issues the contract for the
Income Annuity described in this Prospectus. In some cases, you may receive a
certificate rather than a contract which contains the relevant provisions of the
Income Annuity. Throughout this Propectus we refer to either a contract or a
certificate as a contract.
Defendant
The defendant is the person or entity you allege is responsible for your claim.
The defendant's liability insurance company may make payments to you and/or may
assume the responsibility to respond to your claim or may also be a party to
your claim. For convenience, when we refer to the defendant, we also mean the
defendant's liability insurance company. We use the term "defendant" even if no
lawsuit has begun.
4
<PAGE>
Investment Division
Investment divisions are subdivisions of the Separate Account. When money is
allocated to an investment division, the investment division purchases shares of
a portfolio (with the same name) within the Metropolitan Fund.
MetLife
Metropolitan Life Insurance Company is the company that issues the Income
Annuity. Throughout this Prospectus, MetLife is also referred to as "we," "us"
or "our."
MetLife Designated Office
The MetLife Designated Office will handle the processing of all requests
concerning the Income Annuity. MetLife will notify you and provide you with the
address of the MetLife Designated Office.
Metropolitan Insurance and Annuity Company (MIAC)
MIAC is a wholly-owned subsidiary of MetLife. Typically, the liability for
making the payments to an injured party under a settlement of your claim is
assigned by the defendant to MIAC under a qualified assignment. MIAC assumes the
obligation to make income payments to you and may purchase the Income Annuity to
fund its obligation. MIAC owns the Income Annuity. However, another subsidiary
of MetLife may act as the assignee. For convenience, we use MIAC throughout this
Prospectus when discussing assignments to MIAC or any other MetLife affiliate.
Owner
The owner of the Income Annuity is the entity which purchases the Income Annuity
to provide for payments due to you under a settlement of your claim. The owner
exercises all rights of ownership. You are not the owner.
Separate Account
A separate account is an investment account. All assets contributed to
investment divisions under the Income Annuity are pooled in the Separate Account
and maintained for the benefit of investors in the Income Annuity and other
MetLife products.
You (Your)
In this Prospectus, "you" means the injured party(ies) for whom the Income
Annuity is purchased to provide the payments due under a settlement of a claim.
Variable Annuity
A variable annuity is an annuity in which income payments are based upon the
performance of investments such as stocks and bonds held by one or more
underlying portfolios. You assume the investment risk in a variable annuity.
Your income payment will fluctuate based on the performance of the investment
divisions listed in the contract.
5
<PAGE>
- --------------------------------------------------------------------------------
TABLE OF EXPENSES--INCOME ANNUITY
- --------------------------------------------------------------------------------
The following table shows the Separate Account and Metropolitan Fund charges and
expenses applied to the Income Annuity. The numbers in the table for the
Separate Account and the numbers for the Metropolitan Fund are based on past
experience. The numbers in this table are subject to change. It is not intended
to show the actual total combined expenses of the Separate Account and the
Metropolitan Fund which may be higher or lower. The table does not show premium
taxes which may apply.
- --------------------------------------------------------------------------------
One Time Contractowner Transaction Expense
Contract Fee(1)............................................... $350
Separate Account and Metropolitan Fund Annual Expenses
Separate Account Annual Expenses (as a percentage of average
account value for the fiscal year ending December 31, 1999)(2) 1.25%
Metropolitan Fund Annual Expenses (as a percentage of average net assets for the
fiscal year ending December 31, 1999)
<TABLE>
<CAPTION>
------------------------------
OTHER EXPENSES TOTAL EXPENSES OTHER EXPENSES TOTAL EXPENSES
MANAGEMENT BEFORE BEFORE AFTER AFTER
FEES REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
MetLife Stock Index Portfolio (3) ...................... .25 .04 .29 .04 .29
State Street Research Diversified Portfolio (3)(4)(6) .. .43 .03 .46 .02 .45
State Street Research Growth Portfolio (3)(4)(6) ....... .47 .04 .51 .02 .49
Harris Oakmark Large Cap Value Portfolio (4)(5)(6) ..... .75 .40 1.15 .19 .94
T. Rowe Price Large Cap Growth Portfolio (4)(5)(6) ..... .69 .62 1.31 .24 .93
Lehman Brothers Aggregate Bond Index Portfolio (5) ..... .25 .15 .40 .15 .40
------------------------------
</TABLE>
Following are the expenses on a $1,000 investment in each investment division
listed below, assuming a 5% annual return on assets(7):
1 3 5 10
YEAR YEARS YEARS YEARS
- --------------------------------------------------------------------------------
MetLife Stock Index Portfolio.................... $16 $49 $84 $184
State Street Research Diversified Portfolio...... 18 54 94 204
State Street Research Growth Portfolio .......... 18 56 96 208
Harris Oakmark Large Cap Value Portfolio......... 25 76 129 276
T. Rowe Price Large Cap Growth Portfolio......... 26 81 138 292
Lehman Brothers Aggregate Bond Index Portfolio... 17 52 90 197
(1) In addition, a one time assignment fee of $750 is assessed when the
defendant assigns its liability to make payments to you under the
structured settlement to one of our affiliates, like MIAC. The defendant
pays this fee.
(2) Pursuant to the terms of the contract, our total Separate Account Annual
Expenses will not exceed 1.25% of the average value of amounts in the
investment divisions.
(3) Prior to May 16, 1993, we paid all expenses of the Metropolitan Fund
(other than management fees, brokerage commissions, taxes, interest and
extraordinary or non-recurring expenses)(hereafter "Expenses"). The effect
of such reimbursements is that performance results are increased.
(4) Each Portfolio's management fee decreases when its assets grow to certain
dollar amounts. The "break point" dollar amounts at which the management
fee declines are more fully explained in the prospectus and Statement of
Additional Information for the Metropolitan Fund.
(5) These Portfolios began operating on November 9, 1998. We paid all Expenses
in excess of .20% of the average net assets for each of these Portfolios
until the Portfolio's total assets reached $100 million, or until November
8, 2000, whichever came first. We ceased subsidizing such Expenses for the
Lehman Brothers Aggregate Bond Index Portfolio on July 13, 1999. The
expense information for the Lehman Brothers Aggregate Bond Index Portfolio
reflects current expenses without any reimbursement. The "Other Expenses
Before Reimbursement" for Harris Oakmark Large Cap Value and T. Rowe Price
Large Cap Growth Portfolios assumes no reduction of expenses of any kind.
The information for the Portfolios which we are still subsidizing reflects
the effect of the anticipated reimbursement of Expenses during the current
year. The effect of such reimbursements is that performance results are
increased.
6
<PAGE>
(6) The Metropolitan Fund directed certain portfolio trades to brokers who
paid a portion of the Fund's expenses. In addition, the Fund has entered
into arrangements with its custodian whereby credits realized as a result
of this practice were used to reduce a portion of each participating
portfolio's custodian fees. The "Other Expenses After Reimbursement"
reflect this reduction. The effect of the reduction is that performance
results are increased.
(7) The example assumes that no income payments were made during the period.
In addition, the example assumes no reimbursement of expenses were in
effect. As a result, the numbers reflect the highest amount you would pay
on a $1,000 investment in each investment division.
Annuity Unit Values
This table shows the change in the Annuity Unit Values for each investment
division. The information has been derived from the Separate Account's full
financial statements or other reports (such as the annual report) and reflects
the application of a 5% AIR.
<TABLE>
<CAPTION>
- --------------------------------------------------------------------------------------------------------------------
BEGINNING OF YEAR END OF YEAR
YEAR ANNUITY UNIT VALUE(a) ANNUITY UNIT VALUE
- --------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C>
MetLife Stock Index Division ............................ 1999 $9.46 $10.18
State Street Research Diversified Division .............. 1999 9.48 9.94
State Street Research Growth Division ................... 1999 9.20 10.12
Harris Oakmark Large Cap Value Division ................. 1999 8.05 7.92
T. Rowe Price Large Cap Growth Division ................. 1999 9.47 10.68
Lehman Brothers Aggregate Bond Index Division ........... 1999 9.85 9.71
</TABLE>
(a) The inception date for the Income Annuity was November 1, 1999.
[GRAPHIC OMITTED]
7
<PAGE>
[GRAPHIC OMITTED]
MetLife
Metropolitan Life Insurance Company ("MetLife") is a wholly-owned subsidiary of
MetLife, Inc., a publicly traded company. Our main office is located at One
Madison Avenue, New York, New York 10010. MetLife was formed under the laws of
New York State in 1868. Headquartered in New York City, we are a leading
provider of insurance and financial services to a broad spectrum of individual
and group customers. With approximately $420 billion of assets under management
as of December 31, 1999 on a pro-forma basis, including the acquisition of
GenAmerica Corp., MetLife provides individual insurance and investment products
to approximately 9 million households in the United States. MetLife also
provides group insurance and investment products to corporations and other
institutions employing over 33 million employees and members.
Metropolitan Life Separate Account E
We established Metropolitan Life Separate Account E on September 27, 1983. The
purpose of the Separate Account is to hold the variable assets that underlie
some of the variable annuity contracts we issue. We have registered the Separate
Account with the Securities and Exchange Commission as a unit investment trust
under the Investment Company Act of 1940.
The Separate Account's assets are solely for the benefit of those who invest in
the Separate Account and no one else, including our creditors. We are obligated
to pay all money we owe under the Income Annuity even if that amount exceeds the
assets in the Separate Account. The assets of the Separate Account are held in
our name on behalf of the Separate Account and legally belong to us. All the
income, gains, and losses (realized or unrealized) resulting from these assets
are credited to or charged against the contracts issued from this Separate
Account without regard to our other business.
8
<PAGE>
[GRAPHIC OMITTED]
Settling Your Claim
If you have brought a claim for personal physical injury or physical sickness
(sometimes you are called the claimant or plaintiff), your claim may be resolved
to include a schedule of future payments to be made to you. Because the
frequency of the income payments, the period of time over which the payments are
made and the amount of each payment may be "structured" by you and the defendant
to meet your financial and medical needs, it is called a "Structured
Settlement."
This Structured Settlement is then generally reflected in a contract between you
and the defendant based on your mutual agreement (a settlement agreement) or in
an order issued by a court or administrative tribunal (judgment).
Customarily, as part of the Structured Settlement, the defendant will be
released from any further liability related to the claim provided that you
receive future income payments at the specified times. Often the defendant, with
your consent, will assign the liability to make your scheduled income payments
to another person or company (an assignee) through a "qualified assignment."
Under the qualified assignment, the assignee (also the purchaser) assumes the
obligation to pay you according to the schedule of payments contained in the
qualified assignment.
When the liability is assigned to another person or company, the assignee may
purchase the Income Annuity to use as the funding vehicle for making the income
payments to you. The Income Annuity provides a stream of periodic income
payments. MIAC (or other assignee) is the owner of the Income Annuity. As the
owner, MIAC has the right to designate the payee of each income payment we make
under the Income Annuity. Usually, you and/or your beneficiary are designated as
the payees to receive income payments.
You are the annuitant. An annuitant is the person whose life is the measure for
determining the timing and sometimes the dollar amount of payments under an
annuity. If the Income Annuity that is purchased so provides, upon your death,
your beneficiaries may receive continuing payments.
The Income Annuity
This Income Annuity can be designed to provide you with a stream of payments
that is customized to meet your anticipated income needs. This includes payments
for your lifetime or over a specified period. It is a "variable" annuity because
the value of your income payment varies based on the investment performance of
the investment divisions identified in the Structured Settlement. In short, the
value of your income payments under the Income Annuity may go up or down. Since
the investment performance is not guaranteed, the money is at risk. The degree
of risk will depend on the investment divisions selected. The annuity unit value
for each investment
[GRAPHIC OMITTED]
9
<PAGE>
division rises or falls relative to the AIR based on the investment performance
(or "experience") of the Portfolio with the same name.
The Income Annuity is purchased with one purchase payment. The amount of the
income payments you receive will depend on such things as personal factors such
as your age, the income payment type selected and the amount of the purchase
payment under the Structured Settlement intended to be allocated to the
investment divisions of the Income Annuity. The frequency you receive income
payments will be in accordance with the schedule of payments stipulated in the
Structured Settlement.
Certain versions of the Income Annuity have a fixed payment option called the
Fixed Income Option. Under the Fixed Income Option, we guarantee the amount of
your fixed income payments. The Fixed Income Option is not described in this
Prospectus although we occasionally refer to it.
Investment Choices
The Metropolitan Fund and each Portfolio are more fully described in the
Metropolitan Fund's prospectus and its SAI. The Metropolitan Fund's prospectus
is attached at the end of this Prospectus. You should read the Metropolitan Fund
prospectus carefully before agreeing to a Structured Settlement pursuant to
which it is contemplated that the Income Annuity will be purchased to fund the
obligation to make periodic payments to you. The SAI is available upon your
request.
The investment choices are:
Lehman Brothers Aggregate Bond Index Portfolio
State Street Research Diversified Portfolio
MetLife Stock Index Portfolio
Harris Oakmark Large Cap Value Portfolio [GRAPHIC OMITTED]
T. Rowe Price Large Cap Growth Portfolio
State Street Research Growth Portfolio
The investment choices are listed in the approximate risk relationship among the
available Portfolios. You should understand that each Portfolio incurs its own
risk which will be dependent upon the investment decisions made by the
respective Portfolio's investment manager. Furthermore, the name of a Portfolio
may not be indicative of all the investments held by the Portfolio. The list is
intended to be a guide. Please consult the Fund prospectus for more information
regarding the Portfolios investment objectives and investment practices of each
Portfolio. Since your variable income payments are subject to risks associated
with investing in stocks and bonds, your income payments based on amounts
allocated to the investment divisions may go down as well as up.
- --------------------------------------------------------------------------------
The investment divisions generally offer the opportunity for greater returns
over the long term than the Fixed Income Option. On the other hand, since your
income payments are subject to risks associated with investing in stocks and
bonds, income payments based upon amounts allocated to the investment divisions
will fluctuate and may be down as well as up.
The degree of investment risk assumed will depend on the investment divisions
chosen. We have listed the choices in the approximate order of risk from the
most conservative to the most aggressive.
- --------------------------------------------------------------------------------
10
<PAGE>
The investment divisions buy and sell shares of corresponding mutual fund
portfolios. These Portfolios, which are part of the Metropolitan Fund, invest in
stocks, bonds and other investments. All dividends declared by the Portfolios
are earned by the Separate Account and reinvested. Therefore, no dividends are
distributed under the Income Annuity. There are no transaction expenses (i.e.,
front-end sales or back-end sales load charges) as a result of the Separate
Account's purchase or sale of these mutual fund shares. The Portfolios of the
Metropolitan Fund are available only by purchasing MetLife annuities and life
insurance policies and are never sold directly to the public.
The Metropolitan Fund is a "series" type fund registered with the Securities and
Exchange Commission as an "open-end management investment company" under the
Investment Company Act of 1940 (the "1940 Act"). A "series" fund means that each
Portfolio is one of several available through the Metropolitan Fund. Each
Portfolio is "diversified" under the 1940 Act.
The Portfolios of the Metropolitan Fund pay us a monthly fee for our services as
investment manager. These fees, as well as the operating expenses paid by each
Portfolio, are described in the Metropolitan Fund prospectus and SAI.
In addition, the Metropolitan Fund prospectus discusses other separate accounts
of MetLife and Metropolitan Tower Life Insurance Company that invest in the
Metropolitan Fund. The risks of these arrangements are also discussed.
Income Payment Types
Currently, we provide a wide variety of income payment types. Based on the terms
of the Structured Settlement, several of these options may be combined within
the provisions of the Income Annuity.
Your income payment amount will depend in large part on the type of income
payment type chosen. For example, if a "Lifetime Income Annuity for Two" is
selected, your income payments will typically be lower than if a "Lifetime
Income Annuity" is selected. The terms of the Structured Settlement will also
determine when your income payments will start and the frequency with which you
will receive income payments. For income payment types providing for a
guaranteed period, we may provide for payment of a commuted value upon your
death if the Structured Settlement so provides.
The following income payment types are available:
Lifetime Income Annuity: A variable income that is paid as long as you are
living. Upon your death, payments stop.
Lifetime Income Annuity with a Guaranteed Period: A variable income that
continues as long as you are living but is guaranteed to be paid for a number of
years. If you die before all of the guaranteed payments have been made, payments
are made to your beneficiary until the end of the guaranteed period. No payments
are made once the guarantee period has expired and you are no longer living.
- --------------------------------------------------------------------------------
While the investment divisions and their comparably named Portfolios may have
names, investment objectives and management which are identical or similar to
publicly available mutual funds, these are not those mutual funds. The
portfolios most likely will not have the same performance experience as any
publicly available mutual fund.
- --------------------------------------------------------------------------------
11
<PAGE>
Lifetime With Non-Guaranteed Period Annuity: A variable income payable during
your life or a number of years. Payments stop at your death or at the end of the
time period, whichever happens first.
Lifetime Income Annuity for Two: A variable income that is paid as long as you
and another person are alive. After one of you dies, payments continue to be
made as long as the other person is living. In that event, payments may be the
same as those made while both of you were living or may be a smaller percentage
that is selected when the annuity is purchased. No payments are made once both
of you are no longer living.
Lifetime Income Annuity for Two with a Guaranteed Period: A variable income that
continues as long as you and another person are alive. but is guaranteed to be
paid (unreduced by any percentage selected) for a number of years. If both of
you die before all of the guaranteed payments have been made, payments are made
to your beneficiary until the end of the guaranteed period. If one of you dies
after the guarantee period has expired, payments continue to be made as long as
the other person is living. In that event, payments may be the same as those
made while both of you were living or may be a smaller percentage that is
selected when the annuity is purchased. No payments are made once the guarantee
period has expired and both of you are no longer living.
Income Annuity for a Guaranteed Period: A variable income payable for a
guaranteed period of 1 to 40 years. As an administrative practice, we will
consider factors such as your age and life expectancy in determining whether to
issue a contract with this income payment type. If you die before the end of the
guarantee period, payments are made to your beneficiary until the end of the
guarantee period. No payments are made after the guarantee period has expired.
Allocation of Purchase Payment
Money is allocated among the Fixed Income Option and the investment divisions
according to the terms of the Structured Settlement and, where applicable, the
qualified assignment agreement. We may require that a certain percentage of the
purchase payment be allocated to the Fixed Income Option. Under certain versions
of the Income Annuity, certain investment divisions or the Fixed Income Option
may not be available. You are not permitted to make transfers between the
investment divisions or between the Fixed Income Option and the investment
divisions.
[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------
Factors to consider when agreeing to the terms for your income payments in the
Structured Settlement are:
o The amount of income you need;
o The amount you expect to receive from other sources;
o The growth potential of other investments; and
o How long you would like your income to last.
12
<PAGE>
The Value of Your Income Payments
Initial Variable Income Payment
The initial variable income payment is a hypothetical payment which is
calculated based on the AIR. This initial variable income payment is used to
establish the number of annuity units. It is not the amount of your actual first
variable income payment unless your first income payment happens to be within 10
days after we issue the Income Annuity.
Annuity Units
Annuity units are credited for that portion of the purchase payment allocated to
an investment division on the day we receive all properly completed documents.
Before we determine the number of annuity units credited under the Income
Annuity, we reduce the purchase payment by the contract fee and premium taxes,
if applicable. We then compute an initial variable income payment amount using
the Assumed Investment Return ("AIR"), the income payment type and the age and
sex of the annuitant which is the measuring life (or lives if income payments
are to be paid over the lives of more than one person). We then divide the
initial variable income payment amount by the Annuity Unit Value. The result is
the number of annuity units credited for that investment division. The number of
annuity units remains the same for the life of the Income Annuity.
Example: Determining the Number of Annuity Units
Assume the following:
o We calculate an initial variable income payment (e.g., $500) based on the
AIR, income payment type, your age and sex, the amount of the purchase
payment and the first income payment date as specified in the Structured
Settlement;
o The Structured Settlement provides that this $500 is allocated in equal
amounts to two investment divisions (e.g., $250 to each); and
o On the day we receive all properly completed documents and issue the
Contract, the annuity unit values for the investment divisions are $9.9926
and $12.4362.
We credit the Income Annuity with annuity units as follows:
$250 / 9.9926 = 25.0185 annuity units
$250 / 12.4362 = 20.1026 annuity units
Then, when we calculate your variable income payment, we multiply the number of
annuity units by the current annuity unit value. See the example under
"Calculating Annuity Unit Values."
AIR as a Benchmark for Income Payments
Your income payments are determined by using the AIR to benchmark the investment
experience of the chosen investment divisions. Your payments will increase in
proportion to the amount the actual
13
<PAGE>
investment experience of the chosen investment divisions exceeds the AIR and
Separate Account charges (the net investment return). Likewise, your income
payments will decrease to the extent the actual investment experience of the
chosen investment divisions is less than the AIR and Separate Account charges.
The amount of each variable income payment is determined ten days prior to your
income payment date or on the contract's issue date, if later than the income
payment date.
The Effect of the AIR on Variable Income Payments
If the net investment experience: Your variable income payment will:
Exceeds the AIR Increase
Equals the AIR Stay the Same
Is less than the AIR Decrease
Example for a 5% AIR
Assume that the initial variable income payment for an investment division is
$1,000. And, one year later when we calculate your actual first income payment
the investment experience for the investment division (minus charges) is up 10%
(exceeds the AIR). Your variable income payment attributed to that investment
division is $1,047.62. The percentage change between the initial variable income
payment and your actual income payment is a 4.7% increase.
However, assume instead that the investment experience (minus charges) is down
10% (does not exceed the AIR). Your variable income payment is $857.14. Note
that the percentage change between the initial variable income payment and your
actual income payment is a 14.3% decrease.
Calculating Annuity Unit Values
We separately determine the annuity unit value for each investment division once
each day when the New York Stock Exchange is open for trading. If permitted by
law, we may change the period between calculations, but we will give the owner
30 days' notice.
This is how we calculate the annuity unit value for each investment division:
o First, we determine the change in investment experience (including any
investment-related charge) for the underlying portfolio from the previous
trading day to the current trading day;
o Next, we subtract the daily equivalent of the Separate Account charge for
each day since the last day the annuity unit value was calculated. The
resulting number is the net investment return;
o Then, we multiply by an adjustment based on the AIR for each day since the
last Annuity Unit Value was calculated; and
o Finally, we multiply the previous annuity unit value by this result.
- --------------------------------------------------------------------------------
The AIR is stated in the contract and may range from 1% to 6%. The current
contract AIR is 5%. A contract could also reflect a different AIR negotiated by
the parties to the Structured Settlement.
Here is how the AIR effects variable income payments: a higher AIR will result
in a higher initial variable income payment. A lower AIR will result in a lower
initial variable income payment. With a lower AIR, subsequent variable income
payments will increase more rapidly or decline more slowly than with a higher
AIR as changes occur in the actual investment experience of the investment
divisions.
- --------------------------------------------------------------------------------
14
<PAGE>
[GRAPHIC OMITTED]
Example: Calculating the Annuity Unit Value
Assume the following:
o Yesterday's annuity unit value was $10.20;
o The number we calculate for today's change in investment experience (minus
the investment-related charge) is 1.02 (up 2%);
o The daily equivalent of the Separate Account charge is .000034035; and,
o The daily equivalent of the discount factor AIR for a 5% AIR is .99986634.
The new annuity unit value is:
(1.02 - .000034035) x .99986634 x $10.20 = $10.40
However, now assume that today's change in investment experience (minus the
investment-related charge) is .98 (down 2%) instead of 1.02.
The new annuity unit value is:
(.98 - .000034035) x .99986634 x $10.20 = $9.99
Contract Fee
A one time $350 contract fee is taken from the purchase payment when an Income
Annuity is purchased prior to allocating the remainder of the purchase payment
to the investment divisions. This charge covers our administrative costs
including preparation of the Income Annuity, review of applications and
recordkeeping.
Assignment Fee
If the Income Annuity is purchased by MIAC, there is a one time assignment fee
of $750. You do not pay the fee. The defendant pays the fee only if the
obligation to pay you is assigned to MIAC. This charge covers MIAC's
administrative and recordkeeping costs associated with assuming the liability
for making payments to you and for being the owner of the Income Annuity.
Premium Taxes
Some jurisdictions tax purchase payments for the Income Annuity. We deduct money
from the purchase payment to pay "premium" taxes (also known as "annuity"
taxes).
A chart in the Appendix shows the jurisdictions where premium taxes are
currently charged and the percentage amount which must be added to the purchase
payment to pay for the premium taxes. If an assignment is made and MIAC is the
owner, a premium tax is not applicable.
[GRAPHIC OMITTED]
15
<PAGE>
Charges
There are two types of charges paid if any of the purchase payment is allocated
to the investment divisions:
o Separate Account charge; and
o Investment-related charge.
Separate Account Charge
There is a Separate Account charge. This charge is no more than 1.25% annually
of the average value of amounts in the Separate Account. This charge includes
insurance-related charges for the risk that you may live longer than we
estimated. Then, we would be obligated to pay you more in payments than we
anticipated. The charge also includes the risk that our expenses in
administering the Income Annuity will be greater than we estimated. The Separate
Account charge also pays us for our miscellaneous administrative costs. These
costs which we incur include financial, actuarial, accounting and legal
expenses.
Investment-Related Charge
This charge has two components. The first pays the investment managers for
managing money in the Portfolios. The second consists of Portfolio operating
expenses. The percentage paid depends on the selected investment divisions.
Amounts for each investment division for the previous year are listed in the
Table of Expenses.
General Information
Administration
All transactions will be processed in the manner described below. Generally,
administrative requests are effective the day we receive them at the MetLife
Designated Office.
[GRAPHIC OMITTED]
Purchase Payments
The purchase payment is sent by check or wire made payable to "MetLife" to the
MetLife Designated Office. We will provide all necessary forms. We must have all
completed documents to credit the purchase payment.
Purchase payments are effective and valued as of 4:00 p.m. Eastern time, on the
day we receive them in good order at the MetLife Designated Office, except when
they are received:
o On a day when the annuity unit value is not calculated, or
o After 4:00 p.m. Eastern time.
- --------------------------------------------------------------------------------
The charges paid will not reduce the number of annuity units credited under the
Income Annuity. Instead, we deduct the charges when calculating the annuity unit
value.
- --------------------------------------------------------------------------------
16
<PAGE>
In those cases, the purchase payments will be effective the next day the annuity
unit value, as applicable, is calculated.
Usually, the initial purchase payment is credited under the Income Annuity
within two days of receipt at the MetLife Designated Office of documentation
that an Income Annuity is to be purchased. However, if the forms are filled out
incorrectly or incompletely or other documentation is not completed properly, we
have up to five business days to credit the payment. If the problem cannot be
resolved by the fifth business day, we will notify the purchaser and give the
reasons for the delay. At that time, the purchaser will be asked whether to
agree to let us keep the money until the problem is resolved. If the purchaser
does not agree or we cannot reach the purchaser by the fifth business day, the
money will be returned.
[GRAPHIC OMITTED]
Receiving Income Payments and Information
Based on the provisions of the Structured Settlement, the Income Annuity may
provide you with income payments that begin immediately after the issue date of
the Income Annuity and/or income payments that begin at some future date (i.e.,
delayed income payments). Each income payment stream, whether immediate or
delayed, will be paid from each of the investment divisions and/or Fixed Income
Option based on the allocation for that income payment described in the
Structured Settlement. Lump sum income payments are paid only from the Fixed
Income Option.
You may elect to have your payments sent to your residence or have us deposit
payments directly into your bank account. If you elect to have your payment
direct deposited, you will receive in the mail a stub statement for the payment.
Your stub statement will indicate information, such as the amount of your
payment, the number of units for each investment division and the corresponding
annuity unit value. Periodically, you may receive additional information from us
about the Income Annuity.
[GRAPHIC OMITTED]
Advertising Performance
We periodically advertise the performance of the investment divisions. You may
get performance information from a variety of sources including your statements,
the Internet, annual reports and semiannual reports.
We may demonstrate performance in terms of "yield," "change in annuity unit
value," "average annual total return," or some combination of these terms.
Yield is the net income generated by an investment in a particular investment
division for 30 days or a month. These figures are expressed as percentages.
This percentage yield is compounded semiannually.
Change in Annuity Unit Value is calculated by determining the percentage change
in the value of an annuity unit for a certain period. These numbers may also be
annualized.
Annualized change in annuity value (i.e., average annual total return)
calculations reflect the Separate Account charge. These figures also assume a
steady annual rate of return.
- --------------------------------------------------------------------------------
All performance numbers are based upon historical earnings. These numbers are
not intended to indicate future results.
- --------------------------------------------------------------------------------
17
<PAGE>
We may demonstrate hypothetical values of income payments (e.g., beginning with
an initial income payment of $500) over a specified period based on historical
net asset values of the Portfolios. These presentations reflect the benchmark
AIR, deduction of the Separate Account charge and the investment-related charge.
We may assume that the Income Annuity was in existence prior to its inception
date. If so, we calculate performance based on the historical performance of the
underlying Portfolio for the period before the inception date of the Income
Annuity. We use the actual annuity unit data after the inception date.
Historical performance information should not be relied on as a guarantee of
future performance results.
Changes to the Income Annuity
We have the right to make certain changes to the Income Annuity, but only as
permitted by law. We make changes when we think they would best serve the
interest of annuity owners or would be appropriate in carrying out the purposes
of the Income Annuity. If the law requires, we will also get the owner's
approval and the approval of any appropriate regulatory authorities. Examples of
the changes we may make include the right to:
o Operate the Separate Account in any form permitted by law.
o Take any action necessary to comply with or obtain and continue any
exemptions under the law.
o Transfer any assets in an investment division to another investment
division, or to one or more separate accounts, or to our general account,
or to add, combine or remove investment divisions in the Separate Account.
o Substitute for the Portfolio shares in any investment division, the shares
of another class of the Metropolitan Fund or the shares of another
investment company or any other investment permitted by law.
o Change the way we assess charges, but without increasing the aggregate
amount charged to the Separate Account and any currently available
portfolio in connection with the Income Annuity.
o Make any necessary technical changes in the Income Annuity in order to
conform with any of the above-described actions.
If any changes result in a material change in the underlying investments of an
investment division for which annuity units have been credited, we will notify
the owner of the change. The Structured Settlement may provide for an alternate
choice of investment division in which an equivalent number of annuity units
will be credited if an investment division to which money has been allocated
becomes no longer available or for which there is a change in the underlying
Portfolio. Otherwise, you will not have any right to choose an alternate
investment division. Where required by law, we will ask the owner's approval
before making any technical changes.
18
<PAGE>
Voting Rights
Based on our current view of applicable law, the owner has voting interests
under the Income Annuity concerning Metropolitan Fund proposals that are subject
to a shareholder vote. Therefore, the owner is entitled to give us instructions
for the number of shares which are deemed attributable to the Income Annuity.
We will vote the shares of each of the underlying Portfolios held by the
Separate Account based on instructions we receive from those having a voting
interest in the corresponding investment divisions. However, if the law or the
interpretation of the law changes, we may decide to exercise the right to vote
the Portfolio's shares based on our own judgment. In those cases where MIAC is
the owner of the Income Annuity, the shares of each underlying Portfolio will be
voted in the same proportion as the shares for which voting instructions are
received by the Separate Account.
There are certain circumstances under which we may disregard voting
instructions. However, in this event, a summary of our action and the reasons
for such action will appear in the next semiannual report. If we do not receive
voting instructions, we will vote the interests under the Income Annuity in the
same proportion as represented by the voting instructions we receive from other
investors. Shares of the Metropolitan Fund that are owned by our general account
or by any of our unregistered separate accounts will be voted in the same
proportion as the aggregate of the shares:
o For which voting instructions are received, and
o That are voted in proportion to such voting instructions.
However, if the law or the interpretation of the law changes, we may decide to
exercise the right to vote the Portfolio's shares based on our judgment.
Who Sells the Income Annuity
The Income Annuity is sold through registered broker-dealers. The licensed
broker-dealers who sell the annuities may be compensated for these sales by
commissions that we pay. The commissions we pay range from 0% to 5%. There is no
front-end sales load or back-end sales load deducted from purchase payments to
pay sales commissions. The Separate Account does not pay sales commissions.
MetLife pays its distribution expenses from its general account which includes
any profits generated from its Separate Account operations.
[GRAPHIC OMITTED]
Purchases In Certain States
Although we may not cancel the Income Annuity, the owner may cancel the Income
Annuity within a certain time period if the Income Annuity is purchased in New
York, Massachusetts or North Carolina.
19
<PAGE>
Financial Statements
The financial statements and related notes for the Separate Account and MetLife
are in the SAI and are available from MetLife upon request. Deloitte & Touche,
LLP, who are independent auditors, audit these financial statements.
Federal Tax Treatment
The following tax information is only a general discussion of the tax
consequences of use of the Income Annuity in connection with the settlement of a
claim. The Internal Revenue Code ("Code") is complex and changes regularly.
Because of the complexity of the Code, the applicability of the tax laws to the
Income Annuity and to the parties to a claim and/or an assignment are subject to
varying interpretations, each party should consult his/her own tax advisor about
his/her circumstances and how the tax law and any recent developments may affect
him/her if the Income Annuity is used in connection with the settlement of a
claim.
[GRAPHIC OMITTED]
The Structured Settlement is an arrangement between you, the defendant and/or
the defendant's insurer. Neither we nor any of our affiliates assumes
responsibility for any legal, tax, or financial consequences of the Structured
Settlement to any of the parties to the claim or any assignee. In particular,
neither we nor any of our affiliates make any representations, warranties, or
guarantees as to the tax consequences of any decision you and other parties make
to settle your claim and to have income payments to you funded by an Income
Annuity.
Tax Treatment of Income Payments Received in Settlement of Personal Physical
Injury Claims
Section 104(a)(2) of the Code excludes from gross income any amounts received as
damages on account of personal physical injuries or physical sickness. Any
portion of a Structured Settlement that provides for punitive damages will not
qualify for exclusion under Section 104 (a)(2) of the Code. For qualifying
portions of a Structured Settlement, the treatment applies whether the amounts
are paid as lump sums or as periodic payments.
If the Income Annuity will be used to provide periodic payments to you as a
result of your claim, the periodic payments will be excludable from your income
only if the Income Annuity is owned by a person other than you. The Income
Annuity typically will be owned by MIAC.
We take no responsibility for determining if payments made to you as a result of
a claim, whether by use of the Income Annuity or otherwise, are excludable from
your income under Section 104(a)(2) of the Code.
20
<PAGE>
[GRAPHIC OMITTED]
A Defendant May Assign Its Obligation to Make Income Payments to You
Pursuant to Section 130 of the Code, the defendant or the defendant's insurer
may assign, with your consent, its obligation under the Structured Settlement to
make income payments to you. The entity, called the assignee, that assumes the
obligation to make income payments to you, typically will be MIAC. The
assignment by the defendant to MIAC of its obligation to make income payments to
you will be treated as a "qualified assignment" under Section 130(c) of the Code
only if the following requirements are met:
o The Structured Settlement provides that you will receive income payments
on specified dates to compensate you for your personal injury or sickness
(in a case involving physical injury or physical sickness);
o MIAC assumes the liability to make payments to you from a party to the
suit or the Structured Settlement;
o The income payments that will be made to you are fixed and determinable as
to amount and time of payment;
o You cannot accelerate, defer, increase, or decrease your income payments;
o The amount MIAC is obligated to pay you under the assignment is no greater
than the obligation of the person who assigned the liability to MIAC; and
o The income payments to you are excludable from your gross income under
Section 104(a)(1) or (2) of the Code.
If these requirements are satisfied, and the assignment to MIAC is treated as a
"qualified assignment," the defendant may deduct the full payment it makes to
MIAC in the year in which the payment is made. In addition, if these
requirements are satisfied and MIAC purchases one or more "qualified funding
assets" to fund its obligation to make income payments to you under the
assignment, the purchase payment MIAC receives from the defendant will be
excluded from MIAC's gross income to the extent the purchase payment does not
exceed the aggregate cost of the qualified funding assets.
Using the Income Annuity to Fund Qualified Assignments
If you and the defendant intend to have the Income Annuity fund a qualified
assignment, the amount of the purchase payment that is to be allocated to each
investment division, the formula for determining the
21
<PAGE>
number of annuity units to be credited to each investment division, and the
schedule for making the variable income payments must be specified in the
Structured Settlement.
The Internal Revenue Service (IRS) has issued a private letter ruling to MIAC as
the assignee of a defendant's obligation to make payments to a party that was
physically injured. In the private letter ruling, MIAC proposed to purchase a
variable income annuity as a "qualified funding asset." Under the settlement
agreement involved in the private ruling, at least 50 percent of the damages to
be applied to the purchase of the variable income annuity was to be allocated to
a fixed income option. In the private letter ruling, the IRS determined, among
other things, that:
o Periodic payments of damages that are calculated pursuant to an objective
formula based on the performance of the S&P 500 Stock Index and/or a
mutual fund designed to achieve long-term growth of capital and moderate
income are fixed and determinable as to amount and time of payment; and
o A variable income annuity purchased by MIAC from MetLife would not fail to
qualify as a qualified funding asset within the meaning of Section 130(c)
of the Code solely because of the variable payments under the annuity,
which would be reasonably related to the periodic payments under the
qualified assignment.
Private letter rulings may be relied upon only by the taxpayer(s) who requested
the ruling and only with respect to the specific facts involved in the ruling.
However, the reasoning used by the IRS in reaching its determinations in the
ruling may be useful to defendants, defendant's liability insurers, and other
assignees considering the tax treatment of the Income Annuity in connection with
the settlement of a claim. Such persons should, of course, consult their own tax
advisors to determine the tax consequences of entering into a Structured
Settlement or assigning (or accepting an assignment of) liability in connection
with which the Income Annuity will be used to fund payments to the claimant.
Transfers may not be made between investment divisions or into or out of the
Fixed Income Option due to the requirements of the Federal law with respect to
the receipt of periodic payments intended to be excludable from the recipient's
income under Section 104(a)(1) or 104(a)(2) of the Code.
22
<PAGE>
Owners Other than MIAC
Entities (such as a corporations) that are considering purchasing an Income
Annuity should consult with their own tax advisors prior to the purchase to
determine the tax consequences of owning the Income Annuity.
In general, under Section 72(u) of the Code, if an annuity contract is owned by
a non-natural person, the contract is not treated as an annuity for income tax
purposes and the income under the contract is treated as ordinary income
received or accrued by the owner in each taxable year. There are exceptions to
this general rule. These exceptions include contracts that are "qualified
funding assets" within the meaning of Section 130(c) of the Code (without regard
to whether there is a qualified assignment) and contracts that are "immediate
annuities" within the meaning of Section 72(u)(4) of the Code. If a contract
satisfies one of these exceptions, the income under the contract generally is
not taxed until it is received.
In addition, pursuant to Section 264(f) of the Code, if an Income Annuity is
owned by a non-natural person, or held for the benefit of a non-natural person,
a portion of the owner's otherwise deductible interest may no longer be
deductible. Similar adverse income tax consequences may occur pursuant to
Sections 805, 807 and 832 of the Code, if an Income Annuity is owned by or for
the benefit of an insurance company.
23
<PAGE>
APPENDIX FOR GRAPHIC AND IMAGE MATERIAL
Pursuant to Rule 304 of Regulation S-T, the following table presents fair and
accurate narrative descriptions of graphic and image material omitted from the
EDGAR filing due to ASCII-incompatibility and cross-references this material to
the location of each occurrence in the text.
INTRODUCTION
The prospectus included in the Form N-4 for Metropolitan Life Separate
Account E includes illustrations using various characters from the
PEANUTS(Registered) gang which are copyrighted by United Feature Syndicate,
Inc. There is a list and description of characters followed by a list of
illustrations and their page location in the prospectus.
CHARACTERS
Snoopy -- A Beagle dog
Charlie Brown -- A little boy with zigzag pattern on shirt
Woodstock -- A small bird
Lucy -- A little brunette girl
Linus -- A younger little boy with stripped shirt (Lucy's brother)
Marcie -- A little brunette girl with glasses
Franklin -- A curly haired little boy
Pigpen -- A little boy with dust cloud and smudged face
Peppermint Patty -- An athletic girl with freckles, page boy haircut and sandals
Sally -- A little blond girl with curls on top (Charlie Brown's sister)
<TABLE>
<CAPTION>
PAGE
<S> <C> <C>
1. Snoopy as MetLife Representative with briefcase First page
straightening bow tie
2. Charlie Brown on step ladder looking at fold Page 3 Table of Contents
out map
3. Snoopy in suit with pointer Page 4 Important Terms
You Should Know
4. Snoopy as MetLife Representative listening to Page 7 MetLife
crowd of Woodstocks
5. Corporate Snoopy with pointer with graph at Page 8 Settling Your Claim
meeting
6. Snoopy and Woodstock balanced on seesaw Page 9 The Income Annuity
7. Snoopy reading menu at restaurant table Page 10 Your Investment Choices
8. Snoopy as WWI flying ace dispatching Woodstocks Page 11 Allocation of
with checks Purchase Payment
9. Marcie at desk with adding machine reviewing Page 12 AIR
tape of calculations
10. Lucy with magnifying glass studying a piece of Page 14 Charges
paper
11. Woodstock writing out a check Page 15 Purchase Payments
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
PAGE
<S> <C> <C>
12. Charlie Brown receiving letter at mail box Page 15 Receiving Income Payments
and Information
13. "Colonial" Snoopy as town cryer Page 16 Advertising Performance
14. Snoopy as MetLife Representative shaking paw/ Page 18 Who Sells the
wing with Woodstock Income Annuity
15. Lucy sitting down reading Tax Code Page 21 Federal Tax Treatment
16. Snoopy crouching down on his knees, signing Page 22 A defendant may assign
a form its obligation to make
Income Payments to you
17. Lucy in her advice box with "TAXES--The Expert Page 23 Premium Tax Table
is in" printed on it advising Peppermint Patty
and Sally
18. Franklin, Snoopy, Charlie Brown, Lucy, Pigpen, Page 22 Table of Contents
Linus and Peppermint Patty for the SAI
</TABLE>
<PAGE>
Table of Contents for the Statement of Additional Information
Page
Cover Page ................................................................. 1
Table of Contents .......................................................... 1
Independent Auditors ....................................................... 2
Distribution of Certificates and Interests in the
Income Annuity .......................................................... 2
Experience Factor .......................................................... 2
Variable Income Payments ................................................... 2
Investment Management Fees ................................................. 4
Performance Data and Advertisement of
the Separate Account .................................................... 4
Financial Statements of the Separate Account ............................... 6
Financial Statements of MetLife ............................................ 33
[GRAPHIC OMITTED]
24
<PAGE>
Appendix
Premium Tax Table
If the owner is a resident of or domiciled in one of the following
jurisdictions, the percentage amount listed by that jurisdiction is the premium
tax rate which will be applied to the Income Annuity.
Income Annuities
California............ 2.35%
Maine................. 2.00%
Nevada................ 3.50%
Puerto Rico........... 1.00%
[GRAPHIC OMITTED]
South Dakota.......... 1.25%
West Virginia......... 1.00%
Wyoming............... 1.00%
U.S. Virgin Islands... 5.00%
PEANUTS(Copyright) United Feature Syndicate, Inc.
(Copyright) 2000 Metropolitan Life Insurance Company
SEC# 333-80547-4001
E00048MUA(exp0501)MLIC-LD
25
<PAGE>
Request For a Statement of
Additional Information/Change of Address
If you would like any of the following Statements of Additional Information, or
have changed your address, please check the appropriate box below and return to
the address below.
/ / Metropolitan Life Separate Account E, Metropolitan Series Fund Inc. and
New England Zenith Fund
/ / I have changed my address. My current address is:
_________________________________ Name_________________________________
(Contract Number)
Address_________________________________
_________________________________ _________________________________
(Signature) zip
Metropolitan Life Insurance Company
Structured Settlement Group
200 Park Avenue Area 5P
New York, NY 10166-0188
Attention: MetLife Settlement Plus(Service Mark)
