<PAGE>
[METLIFE LOGO APPEARS HERE]
METROPOLITAN LIFE INSURANCE COMPANY
FLEXIBLE PREMIUM MULTIFUNDED LIFE INSURANCE POLICIES
GROUP AND INDIVIDUAL VARIABLE ANNUITY CONTRACTS
LOOMIS SAYLES SMALL CAP SERIES
DAVIS VENTURE VALUE SERIES
To Life Insurance Policy and Annuity Contract Owners:
On October 30, 2000, a Special Meeting of Shareholders of the Loomis Sayles
Small Cap Series and the Davis Venture Value Series (the "Series") of the New
England Zenith Fund (the "Trust") will be held in Boston for the purposes set
forth in the attached Notice.
As you know, Metropolitan purchases shares of each Series (the "Shares") for
the corresponding investment divisions in the Metropolitan separate accounts
funding your life insurance policy or annuity contract. At the Special
Meeting, Metropolitan will vote the Shares of each Series based on the
instructions received from life insurance policy and annuity contract owners.
You may give us voting instructions for the number of Shares of each Series
attributable to your life insurance policy or annuity contract as of the
record time of 4:00 P.M., Boston time, on August 31, 2000.
The matters to be considered at the meeting are described in the attached
Notice of Meeting and Proxy Statement.
WE URGE YOU TO GIVE METROPOLITAN VOTING INSTRUCTIONS BY FILLING IN, DATING AND
SIGNING THE ENCLOSED VOTING INSTRUCTION FORM. PLEASE RETURN YOUR VOTING
INSTRUCTIONS PROMPTLY IN THE ENCLOSED ENVELOPE. NO POSTAGE IS REQUIRED IF
MAILED IN THE UNITED STATES.