<PAGE>
Supplement to Prospectus for Metropolitan Life Separate Account E for Preference
Plus(R) Account Group and Individual Annuity Contracts dated May 1, 1997.
1. Add the following sentence immediately after the fifth paragraph on the
first page of the prospectus (A-PPA-1):
INTERESTS IN THE SEPARATE ACCOUNT AND THE FIXED INTEREST ACCOUNT ARE NOT
DEPOSITS OR OBLIGATIONS OF, OR INSURED, OR GUARANTEED BY THE U.S.
GOVERNMENT, ANY BANK OR OTHER DEPOSITORY INSTITUTION. UNITS ARE NOT
DEPOSITS OR OBLIGATIONS OF, OR GUARANTEED OR ENDORSED BY, ANY FINANCIAL
INSTITUTION, ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION,
THE FEDERAL RESERVE BOARD OR ANY OTHER AGENCY, AND INVOLVE INVESTMENT RISK,
INCLUDING THE POSSIBLE LOSS OF PRINCIPAL AMOUNT INVESTED.
KEEP THIS SUPPLEMENT WITH YOUR PROSPECTUS
October 3, 1997
RSCPPA-A SUPPLEMENT
<PAGE>
Supplement to Prospectus for Metropolitan Life Separate Account E for Enhanced
TSA, Enhanced Non-Qualified, Enhanced IRA, Enhanced PEDC and Enhanced 403 (a)
Preference Plus and Financial Freedom Group Annuity Contracts dated May 1, 1997.
1. Add the following sentence before the last sentence of the first paragraph
titled "THE USE OF CERTAIN TERMS IN THIS PROSPECTUS" ON PAGE FFA-10:
Under the Non-Qualified Contract and Income Annuity for (S)415(m) qualified
governmental excess benefit arrangements, the trustee or employer retains
all rights to control the money under the Contract and Income Annuity.
2. The second sentence of the second paragraph on FFA-17 is changed to read as
follows:
These Contracts include Tax Sheltered Annuities (TSAs) under (S)403(b) of
the Internal Revenue Code ("Code"), Qualified Annuity Plans (403(a)) under
(S)403(a), Tax Deferred Annuities (Non-Qualified) under (S)72, Individual
Retirement Annuities (IRAs) under (S)408(b), Public Employee Deferred
Compensation (PEDC) under (S)457, Tax Deferred Annuities (Non-Qualified)
under (S)72 for (S)457(f) deferred compensation plans, (S)451 deferred fee
arrangements, (S)451 deferred compensation plans, and (S)457 (e)(11)
severance and death benefit plans, and Tax Deferred Annuities (Non-
Qualified) under (S)72 for (S)415(m) qualified governmental excess benefit
arrangements.
3. The first sentence of the third paragraph on page FFA-17 is changed to read
as follows:
This Prospectus covers two categories of Contracts: certain Enhanced
Preference Plus Contracts and FFA Contracts (the latter being available
only to a limited number of TSA plans, (S)403(a) plans, (S)457(f) deferred
compensation plans, (S)451 deferred fee arrangements, (S)451 deferred
compensation plans, (S)457(e)(11) severance and death benefit plans and
(S)415(m) qualified governmental excess benefit arrangements).
4. The last sentence of the second paragraph under "WHEN AND TO WHOM WILL THE
DEATH BENEFIT BE PAID?" ON PAGE FFA-27 IS CHANGED TO READ AS FOLLOWS:
The death benefit is paid to the trustee or employer under the Non-
Qualified FFA Contract for (S)415(m) qualified governmental excess benefit
arrangements, unless otherwise stated in your Plan, and to the
participant's employer or a trustee under the PEDC Contract.
KEEP THIS SUPPLEMENT WITH YOUR PROSPECTUS
October 3, 1997
RSC-FFA SUPPLEMENT
<PAGE>
5. The last sentence under "WILL WE CONFIRM YOUR TRANSACTIONS?" on page FFA-33
is changed to read as follows:
As soon as administratively feasible, MetLife will send confirmations
quarterly for purchase transactions under Enhanced TSA Preference Plus, TSA
FFA Contracts and the Non-Qualified FFA Contract for (S)415(m) qualified
governmental excess benefit arrangements made on the basis of salary
reduction or deduction.
6. The second sentence of the first paragraph on page FFA-34 is changed to
read as follows:
Under (S)457(f) deferred compensation plans, (S)451 deferred fee
arrangements, (S)451 deferred compensation plans, (S)457(e)(11) severance
and death benefit plans, TSA Contracts and Income Annuities, and Non-
Qualified FFA Contract and Income Annuity for (S)415(m) qualified
governmental excess benefit arrangements under which either the employer or
trustee retains all rights, we will provide you with the number of copies
of voting instructions soliciting materials that you request so that you
may furnish such materials to participants who may give you voting
instructions.
7. The first sentence of the first paragraph under "HOW DO FEDERAL INCOME
TAXES AFFECT YOUR DEFERRED CONTRACT?" on page FFA-37 is replaced with the
following two sentences:
Generally, contributions under the Contracts will be contributed on a
"before-tax" basis. Contributions under Non-Qualified Contracts will be
contributed on an "after-tax" basis, however, we believe that contributions
to the Non-Qualified FFA Contract for (S)415(m) qualified governmental
excess benefit arrangements will also be on a "before-tax" basis.
8. Add the following sentence after the first sentence in the first full
paragraph in the right column on page FFA-37:
We believe that distributions under the Non-Qualified FFA Contract for
(S)415(m) qualified governmental excess benefit arrangements will also be
subject to Federal income tax withholding unless the payee elects to have
no withholding.
KEEP THIS SUPPLEMENT WITH YOUR PROSPECTUS
S-2
October 3, 1997
<PAGE>
9. Add the following paragraph before "Non-Qualified Contracts" on page FFA-42:
Non-Qualified Contract for (S)415(m) Qualified Governmental Excess Benefit
Arrangements. Section 415(m) qualified governmental excess benefit plans
are available to state and local governments which sponsor plans subject to
the (S)415 limits on the amount of annual plan contributions and benefits.
If a qualified governmental excess benefit arrangement meets certain
requirements, it could provide benefits that cannot be provided under a
government plan subject to the (S)415 limits. For purposes of the
qualified governmental excess benefit arrangement, participants are taxed
the same way as if the arrangement were a non-qualified deferred
compensation plan maintained by an employer not exempt from tax. Since
qualified governmental excess benefit arrangements were introduced into the
tax law in August, 1996, and since many aspects of these arrangements have
yet to be clarified by the Internal Revenue Service, entities considering
the purchase of this Contract to fund a qualified governmental excess
benefit arrangement should consult with their own tax advisors regarding
the application of the relevant rules to their particular situation.
10. The first sentence of the third paragraph under "HOW DO FEDERAL INCOME
TAXES AFFECT YOUR INCOME ANNUITY?" ON PAGE FFA-43 IS REPLACED WITH THE
FOLLOWING THREE SENTENCES:
Income payments generally will be subject to Federal income tax withholding
unless the payee elects to have no withholding. Income payments under the
PEDC and Non-Qualified Income Annuities will not be subject to Federal
income tax withholding. We believe, however, that income payments under the
Non-Qualified FFA Income Annuities for (S)415(m) qualified governmental
excess benefit arrangements will be subject to Federal income tax
withholding unless the payee elects to have no withholding.
KEEP THIS SUPPLEMENT WITH YOUR PROSPECTUS
S-3
October 3, 1997
<PAGE>
11. The first sentence of the first paragraph under "HOW DO FEDERAL INCOME
TAXES AFFECT YOUR INCOME ANNUITY?" on page FFA-43 is replaced with the
following two sentences:
Generally, all purchase payments under the Income Annuities will be on
"before-tax" basis. Purchase payments under the Non-Qualified Income
Annuities will be on an "after-tax" basis, however, we believe that
purchase payments to the Non-Qualified FFA Income Annuities for (S)415(m)
qualified governmental excess benefit arrangements will be on a "before-
tax" basis.
12. Add the following paragraph before "Non-Qualified Income Annuities" on page
FFA-46:
Non-Qualified Income Annuity for (S)415(m) Qualified Governmental Excess
Benefit Arrangements. Section 415(m) qualified governmental excess benefit
plans are available to state and local governments which sponsor plans
subject to the (S)415 limits on the amount of annual plan contributions and
benefits. If a qualified governmental excess benefit arrangement meets
certain requirements, it could provide benefits that cannot be provided
under a government plan subject to the (S)415 limits. For purposes of the
qualified governmental excess benefit arrangement, participants are taxed
the same way as if the arrangement were a non-qualified deferred
compensation plan maintained by an employer not exempt from tax. Since
qualified governmental excess benefit arrangements were introduced into the
tax law in August, 1996, and since many aspects of these arrangements have
yet to be clarified by the Internal Revenue Service, entities considering
the purchase of this Income Annuity to fund a qualified governmental excess
benefit arrangement should consult with their own tax advisors regarding
the application of the relevant rules to their particular situation.
KEEP THIS SUPPLEMENT WITH YOUR PROSPECTUS
S-4
October 3, 1997
