METROPOLITAN LIFE SEPARATE ACCOUNT E, 497, 2000-05-05

METROPOLITAN LIFE SEPARATE ACCOUNT E
497, 2000-05-05

Previous: SIERRA PACIFIC RESOURCES, 8-K, 2000-05-05

Next: LESCO INC/OH, 10-Q, 2000-05-05

<PAGE>

-----------
May 1, 2000
-----------

Preference Plus(Registered) Account Variable Annuity Contracts
Issued by Metropolitan Life Insurance Company

This Prospectus describes individual and group Preference Plus contracts for
deferred variable annuities ("Deferred Annuities") and Preference Plus immediate
variable income annuities ("Income Annuities").

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

You decide how to allocate your money among the various available investment
choices. The investment choices available to you are listed in the contract for
your Deferred Annuity or Income Annuity. Your choices may include the Fixed
Interest Account (not described in this Prospectus) and investment divisions
available through Metropolitan Life Separate Account E which, in turn, invest in
the following corresponding portfolios of the Metropolitan Series Fund, Inc.
("Metropolitan Fund") and series of the New England Zenith Fund ("Zenith Fund").
For convenience, both the portfolios and the series are referred to as
Portfolios in this Prospectus.

Lehman Brothers Aggregate Bond Index Janus Mid Cap
State Street Research Income State Street Research Aggressive Growth
State Street Research Diversified Loomis Sayles High Yield Bond
MetLife Stock Index Russell 2000(Registered) Index
Harris Oakmark Large Cap Value T. Rowe Price Small Cap Growth
T. Rowe Price Large Cap Growth Loomis Sayles Small Cap
State Street Research Growth State Street Research Aurora Small
Davis Venture Value Cap Value
Putnam Large Cap Growth Scudder Global Equity
MetLife Mid Cap Stock Index Morgan Stanley EAFE(Registered) Index
Neuberger Berman Partners Mid Cap Value Putnam International Stock (formerly
Santander International Stock)

Davis Venture Value, Putnam Large Cap Growth, MetLife Mid Cap Stock Index,
Loomis Sayles Small Cap and State Street Research Aurora Small Cap Value are
anticipated to be available on or about July 5, 2000.

How to learn more:

Before investing, read this Prospectus. The Prospectus contains information
about the Deferred Annuities, Income Annuities and Metropolitan Life Separate
Account E which you should know before investing. 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 A-PPA-51 of this Prospectus. To request a
free copy of the SAI or to ask questions, write or call:

Metropolitan Life Insurance Company
Investment and Income Center, 4th Floor
485E US Highway 1 South [GRAPHIC OMITTED]
Iselin, NJ 08830
Attention: Brian Mack
Phone: (800) 553-4459

The Securities and Exchange Commission has a Web site (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 and Zenith Fund Prospectuses are attached to the
back of this Prospectus. You should also read these prospectuses carefully
before purchasing a Deferred Annuity or Income Annuity. This Prospectus is not
valid unless attached to Metropolitan Fund and Zenith Fund Prospectuses.

- --------------------------------------------------------------------------------
Deferred Annuities Available:

o Non-Qualified

o Traditional IRA

o Roth IRA

o SIMPLE IRA

o SEP IRA

Income Annuities Available:

o Non-Qualified

o Traditional IRA

o Roth IRA

o SIMPLE IRA

o SEP IRA

A word about investment risk:

An investment in any of these variable annuities involves investment risk. You
could lose money you invest. 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.......................................A-PPA-4

Table of Expenses.....................................................A-PPA-6

Accumulation Unit Values Table.......................................A-PPA-10

MetLife..............................................................A-PPA-15

Metropolitan Life Separate Account E.................................A-PPA-15

Variable Annuities ..................................................A-PPA-16

A Deferred Annuity..............................................A-PPA-16

An Income Annuity...............................................A-PPA-16

Your Investment Choices..............................................A-PPA-17

Deferred Annuities...................................................A-PPA-19

The Deferred Annuity and Your Retirement Plan...................A-PPA-19

Automated Investment Strategies.................................A-PPA-19

Purchase Payments...............................................A-PPA-21

Allocation of Purchase Payments...............................A-PPA-21

Automated Purchase Payments...................................A-PPA-21

Electronic Applications.......................................A-PPA-21

Limits on Purchase Payments...................................A-PPA-22

The Value of Your Investment....................................A-PPA-22

Transfers.......................................................A-PPA-23

Access to Your Money............................................A-PPA-24

Systematic Withdrawal Program.................................A-PPA-24

Minimum Distribution..........................................A-PPA-25

Contract Fee....................................................A-PPA-26

Charges.........................................................A-PPA-26

Insurance-Related Charge......................................A-PPA-26

Investment-Related Charge.....................................A-PPA-26

Premium Taxes...................................................A-PPA-27

Early Withdrawal Charges........................................A-PPA-27

When No Early Withdrawal Charge Applies.......................A-PPA-28

When Another Early Withdrawal Charge May Apply ...............A-PPA-29

Free Look.......................................................A-PPA-30

Death Benefit...................................................A-PPA-30

Pay-out Options (or Income Options).............................A-PPA-30

A-PPA-2
<PAGE>

Income Annuities.....................................................A-PPA-31

Income Payment Types............................................A-PPA-32

Allocation......................................................A-PPA-34

Minimum Size of Your Income Payment.............................A-PPA-34

The Value of Your Income Payments...............................A-PPA-34

Transfers.......................................................A-PPA-35

Contract Fee....................................................A-PPA-36

Charges.........................................................A-PPA-36

Insurance-Related Charge......................................A-PPA-36

Investment-Related Charge.....................................A-PPA-36

Premium Taxes...................................................A-PPA-36

Free Look.......................................................A-PPA-37

General Information..................................................A-PPA-37

Administration..................................................A-PPA-37

Purchase Payments ............................................A-PPA-37

Confirming Transactions ......................................A-PPA-38

Processing Transactions.......................................A-PPA-38

By Telephone or Internet..................................A-PPA-38

After Your Death..........................................A-PPA-39

Third Party Requests......................................A-PPA-39

Valuation.....................................................A-PPA-39

Advertising Performance.........................................A-PPA-40

Changes to Your Deferred Annuity or Income Annuity..............A-PPA-41

Voting Rights...................................................A-PPA-41

Who Sells the Deferred Annuities and Income Annuities...........A-PPA-42

Financial Statements............................................A-PPA-43

When We Can Cancel Your Deferred Annuity
or Income Annuity............................................A-PPA-43

Income Taxes.........................................................A-PPA-43

Table of Contents for the Statement of Additional Information........A-PPA-51

Appendix for Premium Tax Table.......................................A-PPA-52

MetLife does not intend to offer the Deferred Annuities or Income Annuities
anywhere they may not lawfully be offered and sold. MetLife has not authorized
any information or representations about the Deferred Annuities or Income
Annuities other than the information in this Prospectus, the attached
prospectuses, supplements to the prospectuses or any supplemental sales material
we authorize.

[GRAPHIC OMITTED]

A-PPA-3
<PAGE>

[GRAPHIC OMITTED]

Important Terms You Should Know

Account Balance

When you purchase a Deferred Annuity, an account is set up for you the day we
receive all properly completed documents. Your Account Balance is the total
amount of money credited to you under your Deferred Annuity including money in
the investment divisions of the Separate Account and the Fixed Interest Account.

Accumulation Unit Value

With a Deferred Annuity, money paid-in or transferred into an investment
division of the Separate Account is credited to you in the form of accumulation
units. Accumulation units are established for each investment division. We
determine the value of these accumulation units 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.

Annuity Unit Value

With an Income Annuity or variable pay-out option, the money paid-in or
transferred into an investment division of the Separate Account is held in the
form of annuity units. Annuity units are established for each investment
division. We determine the value of these annuity units 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 an Income Annuity or variable pay-out option, the AIR is a percentage rate
of return assumed to determine the amount of the first variable income payment.
The AIR is also the benchmark that is used to calculate the investment
performance of a given investment division to determine all subsequent payments
to you.

Contract

A contract is the legal agreement between you and MetLife or between MetLife and
the employer, plan trustee or other entity, or the certificate issued to you
under a group annuity contract. This document contains relevant provisions of
your Deferred Annuity or Income Annuity. MetLife issues contracts for each of
the annuities described in this Prospectus.

Contract Year

Generally, the Contract Year for a Deferred Annuity is the period ending on the
last day of the month in which the anniversary of when we issued the annuity
occurs and each following 12 month period.

A-PPA-4
<PAGE>

Early Withdrawal Charge

The early withdrawal charge is the amount we deduct from your Account Balance in
addition to your requested withdrawal amount, if you withdraw money prematurely
from a Deferred Annuity. This charge is often referred to as a deferred sales
load or back-end sales load.

Investment Division

Investment divisions are subdivisions of the Separate Account. When you allocate
or transfer money to an investment division, the investment division purchases
shares of a portfolio (with the same name) within the Metropolitan Fund or
Zenith Fund.

MetLife

Metropolitan Life Insurance Company is the company that issues the Deferred
Annuities and Income Annuities. Throughout this Prospectus, MetLife is also
referred to as "we," "us" or "our."

MetLife Designated Office

Your MetLife Designated Office is the MetLife office that will generally handle
the processing of all your requests concerning your Deferred Annuity or Income
Annuity. MetLife will notify you and provide you with the address of your
MetLife Designated Office.

Separate Account

A separate account is an investment account. All assets contributed to
investment divisions under the Deferred Annuities and Income Annuities are
pooled in the Separate Account and maintained for the benefit of investors in
Deferred Annuities and Income Annuities.

Variable Annuity

An annuity in which returns/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 for any amounts allocated to the investment
divisions in a variable annuity.

You

A-PPA-5
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES--PREFERENCE PLUS DEFERRED ANNUITIES AND INCOME ANNUITIES
- --------------------------------------------------------------------------------

The following table shows the Separate Account, Metropolitan Fund and Zenith
Fund charges and expenses. The numbers in the table for the Separate Account,
the Zenith Fund and for all Portfolios of the Metropolitan Fund except the
Portfolios to be introduced on or about July 5, 2000 are based on past
experience. The numbers for the Portfolios to be introduced on or about July 5,
2000 are estimates for the current year. The numbers in the Table are subject to
change. The table is not intended to show your actual total combined expenses of
the Separate Account, Metropolitan Fund and Zenith Fund which may be higher or
lower. It does not show fees for the Fixed Interest Account or premium taxes
which may apply. We have provided examples to show you the impact of Separate
Account, Metropolitan Fund and Zenith Fund charges and expenses on a
hypothetical investment of $1,000 that has an assumed 5% annual return on the
investment.

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

Separate Account, Metropolitan Fund and Zenith Fund expenses for the fiscal
year ending December 31, 1999:

Contract Owner Transaction Expenses For All Investment Divisions Currently
Offered

Sales Load Imposed on Purchases.............................. None

Deferred Sales Load (as a percentage of the purchase
payment funding the withdrawal during the accumulation
period) (1) ............................................... From 0% to 7%

Exchange Fee................................................. None

Surrender Fee................................................ None

Annual Contract Fee (2)......................................... None

Separate Account Annual Expenses (as a percentage of average account value) (3)

General Administrative Expenses Charge....................... .50%

Mortality and Expense Risk Charge............................ .75%

Total Separate Account Annual Expenses....................... 1.25%

Metropolitan Fund Annual Expenses (as a percentage of average net assets)

<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>
Lehman Brothers Aggregate Bond Index Portfolio (8)....... .25 .15 .40 .15 .40
State Street Research Income Portfolio (4)(5)............ .32 .06 .38 .06 .38
State Street Research Diversified Portfolio (4)(5)(6).... .43 .03 .46 .02 .45
MetLife Stock Index Portfolio (4)........................ .25 .04 .29 .04 .29
Harris Oakmark Large Cap Value Portfolio (5)(6)(8)....... .75 .40 1.15 .19 .94
T. Rowe Price Large Cap Growth Portfolio (5)(6)(8)....... .69 .62 1.31 .24 .93
State Street Research Growth Portfolio (4)(5)(6) ........ .47 .04 .51 .02 .49
Putnam Large Cap Growth Portfolio (5)(11)(12)............ .80 .59 1.39 .20 1.00
MetLife Mid Cap Stock Index Portfolio (11)(12)........... .25 .65 .90 .20 .45
Neuberger Berman Partners Mid Cap Value
Portfolio (5)(6)(8).................................... .70 .48 1.18 .06 76
Janus Mid Cap Portfolio (5)(7)........................... .67 .04 .71 .04 .71
State Street Research Aggressive Growth
Portfolio (4)(5)(6) ................................... .70 .04 .74 .02 .72
Loomis Sayles High Yield Bond Portfolio (7).............. .70 .24 .94 .24 .94
------------------------------
</TABLE>

A-PPA-6
<PAGE>

Metropolitan Fund Annual Expenses
(as a percentage of average net assets) (continued)
<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>
Russell 2000(Registered) Index Portfolio (8)(9).......... .25 .64 .89 .30 .55
T. Rowe Price Small Cap Growth Portfolio (5)(6)(7)....... .52 .09 .61 .09 .61
State Street Research Aurora Small Cap Value
Portfolio (5)(11)(12).................................. .85 .23 1.08 .20 1.05
Scudder Global Equity Portfolio (5)(7)................... .67 .20 .87 .20 .87
Morgan Stanley EAFE(Registered) Index Portfolio (8)(10)... .30 1.47 1.77 .36 .66
Putnam International Stock Portfolio (4)(5) ............. .90 .22 1.12 .22 1.12
------------------------------
</TABLE>

Zenith Fund Annual Expenses
(as a percentage of average net assets)

Example

If you surrender your Deferred Annuity (withdraw all your money) at the end of
the time periods listed below, you would pay the following expenses on a $1,000
investment in each investment division listed below, assuming a 5% annual return
on assets (15):

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- ----------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Division............... $80 $97 $117 $197
State Street Research Income Division....................... 79 96 116 194
State Street Research Diversified Division.................. 80 99 120 204
MetLife Stock Index Division................................ 79 93 111 184
Harris Oakmark Large Cap Value Division..................... 87 120 156 276
T. Rowe Price Large Cap Growth Division..................... 89 125 164 292
State Street Research Growth Division ...................... 81 100 122 208
Davis Venture Value Division................................ 84 110 138 241
Putnam Large Cap Growth Division............................ 86 116 148 261
MetLife Mid Cap Stock Index Division........................ 80 98 119 202
Neuberger Berman Partners Mid Cap Value Division............ 88 121 158 279
Janus Mid Cap Division...................................... 83 107 133 230
State Street Research Aggressive Growth Division ........... 83 107 135 233
Loomis Sayles High Yield Bond Division...................... 85 114 145 254
Russell 2000(Registered) Index Division..................... 85 112 143 249
T. Rowe Price Small Cap Growth Division..................... 82 104 128 220
Loomis Sayles Small Cap Division............................ 86 116 148 261
State Street Research Aurora Small Cap Value Division....... 86 117 151 266
Scudder Global Equity Division.............................. 85 112 141 247
Morgan Stanley EAFE(Registered) Index Division.............. 94 139 187 337
Putnam International Stock Division ........................ 87 119 155 273
</TABLE>

A-PPA-7
<PAGE>

If you annuitize (elect a pay-out option under your Deferred Annuity) or do not
surrender your Deferred Annuity at the end of the time periods listed below, you
would pay the following expenses on a $1,000 investment in each investment
division listed below, assuming a 5% annual return on assets (15)(16):

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- ------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Division .............. $17 $52 $90 $197
State Street Research Income Division ...................... 17 52 89 194
State Street Research Diversified Division ................. 18 54 94 204
MetLife Stock Index Division ............................... 16 49 84 184
Harris Oakmark Large Cap Value Division .................... 25 76 129 276
T. Rowe Price Large Cap Growth Division .................... 26 81 138 292
State Street Research Growth Division ...................... 18 56 96 208
Davis Venture Value Division ............................... 21 65 112 241
Putnam Large Cap Growth Division ........................... 23 71 122 261
MetLife Mid Cap Stock Index Division ....................... 17 54 93 202
Neuberger Berman Partners Mid Cap Value Division ........... 25 77 131 279
Janus Mid Cap Division ..................................... 20 62 107 230
State Street Research Aggressive Growth Division ........... 20 63 108 233
Loomis Sayles High Yield Bond Division ..................... 22 69 119 254
Russell 2000(Registered) Index Division .................... 22 68 116 249
T. Rowe Price Small Cap Growth Division .................... 19 59 102 220
Loomis Sayles Small Cap Division ........................... 23 71 122 261
State Street Research Aurora Small Cap Value Division ...... 24 73 124 266
Scudder Global Equity Division ............................. 22 67 115 247
Morgan Stanley EAFE(Registered) Index Division ............. 31 95 161 337
Putnam International Stock Division ........................ 24 75 128 273
</TABLE>

(1) There are times when the early withdrawal charge does not apply to amounts
that are withdrawn from a Deferred Annuity. Each Contract Year you may
take the greater of 10% of your Account Balance or your purchase payments
made over 7 years ago free of early withdrawal charges.

(2) A $20 annual contract fee is imposed on money in the Fixed Interest
Account. This fee may be waived under certain circumstances. There is a
one time contract fee of $350 for Income Annuities. We do not charge this
fee if you elect a pay-out option under your Deferred Annuity and you have
owned your Deferred Annuity more than two years.

(3) Pursuant to the terms of the Contract, our total Separate Account Annual
Expenses will not exceed 1.25% of your average balance in the investment
divisions. For purposes of presentation here, we estimated the allocation
between general administrative expenses and the mortality and expense risk
charge.

(4) Prior to May 16, 1993, we paid all expenses of the Metropolitan Fund
(other than management fees, brokerage commissions, taxes, interest and
extraordinary or nonrecurring expenses) (hereafter "Expenses"). The effect
of such reimbursements is that performance results are increased.

(5) 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.

(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.

A-PPA-8
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES (continued)
- --------------------------------------------------------------------------------

(7) These Portfolios began operating on March 3, 1997. We paid all Expenses in
excess of .20% of the average net assets for each of these Portfolios
until each Portfolio's total assets reached $100 million, or until March
2, 1999, whichever came first. MetLife ceased subsidizing such Expenses
for the Janus Mid Cap, T. Rowe Price Small Cap Growth, Scudder Global
Equity and Loomis Sayles High Yield Bond Portfolios on December 31, 1997,
January 22, 1998, July 2, 1998 and March 2, 1999, respectively. All
expense information for these Portfolios reflect current expenses without
any reimbursement. The effect of such reimbursements is that performance
results are increased.

(8) These Portfolios began operating on November 9, 1998. We pay all Expenses
in excess of .20% (.25% for the Morgan Stanley EAFE(Registered) Index
Portfolio) of the average net assets for each of these Portfolios until
each Portfolio's total assets reach $100 million, or until November 8,
2000, whichever comes first. MetLife ceased subsidizing such Expenses for
Lehman Brothers Aggregate Bond Index and Russell 2000(Registered) Index
Portfolios on July 13, 1999 and December 3, 1999, respectively. All
expense information for the Lehman Brothers Aggregate Bond Index which we
ceased subsidizing reflects current expenses without any reimbursement.
The "Other Expenses Before Reimbursement" for Harris Oakmark Large Cap
Value, T. Rowe Price Large Cap Growth and Neuberger Berman Partners Mid
Cap Value 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 entire
current year. The effect of such reimbursements is that performance
results are increased.

(9) MetLife ceased subsidizing Expenses in excess of .20% of the average net
assets of the Russell 2000(Registered) Index Portfolio on December 3,
1999. Beginning on February 22, 2000, MetLife began to pay all Expenses in
excess of .30% of the average net assets for the Russell 2000(Registered)
Index Portfolio until the Portfolio's total assets reach $200 million, or
until April 30, 2001, whichever comes first. The "Other Expenses Before
Reimbursement" information for this Portfolio assumes no reduction of
expenses of any kind. The "Other Expenses After Reimbursement" for this
Portfolio reflects expenses as if the Expense reimbursement will be in
effect for the entire current year.

(10) MetLife will pay all Expenses in excess of .25% of the average net assets
for the Morgan Stanley EAFE(Registered) Index Portfolio until the
Portfolio's total assets reach $100 million, or until November 8, 2000,
whichever comes first. After such date, MetLife will continue to pay all
Expenses in excess of .40% of the Portfolio's average net assets until the
Portfolio's total assets reach $200 million, or until April 30, 2001,
whichever comes first. The "Other Expenses Before Reimbursement"
information for this Portfolio assumes no reduction of expenses of any
kind. The "Other Expenses After Reimbursement" for this Portfolio reflects
our estimate of the effect of the combined reimbursement expected for the
entire current year. The effect of such reimbursements is that performance
results are increased.

(11) Subject to state approvals, these Portfolios will become available under
the Deferred Annuities and Income Annuities on or about July 5, 2000.

(12) MetLife Mid Cap Stock Index and State Street Research Aurora Small Cap
Value Portfolios will begin operating on or about July 5, 2000. Putnam
Large Cap Growth Portfolio will begin operating on May 1, 2000 but will
become available under the Deferred Annuities and Income Annuities on or
about July 5, 2000. We will pay all Expenses in excess of .20% of the
average net assets for each of these Portfolios until each Portfolio's
total assets reach $100 million, or until July 4, 2002, whichever comes
first. The expense information shows estimates for first year expenses.

(13) New England Investment Management, Inc. ("NEIM")pays us for providing
administrative services. You do not bear these fees. NEIM absorbs the fees
payable to MetLife.

(14) NEIM pays all expenses other than brokerage costs, interest, taxes or
other extraordinary expenses, in excess of 1.00% of the average net assets
for this Portfolio. The 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 Zenith Fund.

(15) These examples assume no reimbursement of Expenses were in effect.
Therefore, these numbers reflect the highest amount you would pay on a
$1,000 investment in each investment division based on 1999 asset levels.

(16) This example assumes no early withdrawal charges are applicable. In order
to make this assumption for a pay-out option under your Deferred Annuity,
we also assumed that you selected an income payment type under which you
will receive payments over your lifetime or for a period of at least five
full years.

A-PPA-9
<PAGE>

- --------------------------------------------------------------------------------
ACCUMULATION UNIT VALUES FOR EACH INVESTMENT DIVISION
- --------------------------------------------------------------------------------
(For an accumulation unit outstanding throughout the period)

These tables and bar charts show fluctuations in the Accumulation Unit Values
for each investment division from year end to year end. The information in this
table has been derived from the Separate Account's full financial statements or
other reports (such as the annual report).

<TABLE>
<CAPTION>
- ------------------------------------------------------------------------------------------------------------------------------------
NUMBER OF
BEGINNING OF YEAR END OF YEAR ACCUMULATION
ACCUMULATION ACCUMULATION UNITS END OF YEAR
PREFERENCE PLUS DEFERRED ANNUITIES YEAR UNIT VALUE UNIT VALUE (IN THOUSANDS)
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Division.................... 1999 $10.12 $9.86 7,735
1998 10.00(d) 10.12 793

[LINE CHART]

State Street Research Income Division...................... 1999 19.33 18.65 18,535
1998 17.89 19.33 20,060
1997 16.49 17.89 16,307
1996 16.12 16.49 16,604
1995 13.65 16.12 15,252
1994 14.27 13.65 13,923
1993 12.98 14.27 14,631
1992 12.29 12.98 5,918
1991 10.60 12.29 1,210
1990 10.00(a) 10.60 32

[LINE CHART]
</TABLE>

A-PPA-10
<PAGE>

- --------------------------------------------------------------------------------
ACCUMULATION UNIT VALUES (continued)
- --------------------------------------------------------------------------------
(For an accumulation unit outstanding throughout the period)

<TABLE>
<CAPTION>
- ------------------------------------------------------------------------------------------------------------------------------------
NUMBER OF
BEGINNING OF YEAR END OF YEAR ACCUMULATION
ACCUMULATION ACCUMULATION UNITS END OF YEAR
PREFERENCE PLUS DEFERRED ANNUITIES YEAR UNIT VALUE UNIT VALUE (IN THOUSANDS)
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
State Street Research Diversified Division................. 1999 $27.05 $29.04 75,126
1998 22.89 27.05 73,897
1997 19.22 22.89 62,604

1996 17.00 19.22 52,053
1995 13.55 17.00 42,712
1994 14.15 13.55 40,962
1993 12.70 14.15 31,808
1992 11.75 12.70 7,375
1991 9.52 11.75 1,080
1990 10.00(a) 9.52 44
[LINE CHART]

MetLife Stock Index Division............................... 1999 37.08 44.24 79,702
1998 29.28 37.08 71,204
1997 22.43 29.28 58,817
1996 18.52 22.43 43,141
1995 13.70 18.52 29,883
1994 13.71 13.70 23,458
1993 12.67 13.71 18,202
1992 11.94 12.67 8,150
1991 9.32 11.94 1,666
1990 10.00(a) 9.32 55
[LINE CHART]

Harris Oakmark Large Cap Value Division.................... 1999 9.71 8.93 3,631
1998 10.00(d) 9.71 386
[LINE CHART]

T. Rowe Price Large Cap Growth Division.................... 1999 11.01 13.29 3,394
1998 10.00(d) 11.01 407

[LINE CHART]
</TABLE>

A-PPA-11
<PAGE>

<TABLE>
<CAPTION>
- ------------------------------------------------------------------------------------------------------------------------------------
NUMBER OF
BEGINNING OF YEAR END OF YEAR ACCUMULATION
ACCUMULATION ACCUMULATION UNITS END OF YEAR
PREFERENCE PLUS DEFERRED ANNUITIES YEAR UNIT VALUE UNIT VALUE (IN THOUSANDS)
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
State Street Research Growth Division...................... 1999 $34.30 $40.14 64,026
1998 27.10 34.30 64,053
1997 21.37 27.10 60,102
1996 17.71 21.37 49,644
1995 13.47 17.71 38,047
1994 14.10 13.47 32,563
1993 12.48 14.10 24,608
1992 11.32 12.48 9,432
1991 8.61 11.32 2,824
1990 10.00(a) 8.61 178
[LINE CHART]

Neuberger Berman Partners Mid Cap Value Division........... 1999 10.73 12.46 2,438
1998 10.00(d) 10.73 297
[LINE CHART]

Janus Mid Cap Division..................................... 1999 17.19 37.86 44,078
1998 12.69 17.19 19,031
1997 10.00(b) 12.69 7,417
[LINE CHART]

State Street Research Aggressive Growth Division........... 1999 28.12 37.01 31,947
1998 25.05 28.12 38,975
1997 23.77 25.05 43,359
1996 22.35 23.77 43,962
1995 17.47 22.35 33,899
1994 18.03 17.47 26,890
1993 14.89 18.03 17,094
1992 13.66 14.89 5,747
1991 8.31 13.66 1,060
1990 10.00(a) 8.31 49
[LINE CHART]
</TABLE>

A-PPA-12
<PAGE>

<TABLE>
<CAPTION>
- ------------------------------------------------------------------------------------------------------------------------------------
NUMBER OF
BEGINNING OF YEAR END OF YEAR ACCUMULATION
ACCUMULATION ACCUMULATION UNITS END OF YEAR
PREFERENCE PLUS DEFERRED ANNUITIES YEAR UNIT VALUE UNIT VALUE (IN THOUSANDS)
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Loomis Sayles High Yield Bond Division..................... 1999 $9.60 $11.17 4,708
1998 10.51 9.60 3,882
1997 10.00(b) 10.51 2,375
[LINE CHART]

Russell 2000(Registered) Index Division.................... 1999 10.53 12.76 5,395
1998 10.00(d) 10.53 598
[LINE CHART]

T. Rowe Price Small Cap Growth Division.................... 1999 12.02 15.19 14,007
1998 11.76 12.02 13,119
1997 10.00(b) 11.76 6,932
[LINE CHART]

Scudder Global Equity Division............................. 1999 12.43 15.36 9,323
1998 10.85 12.43 7,712
1997 10.00(b) 10.85 4,826
[LINE CHART]

Morgan Stanley EAFE(Registered) Index Division............. 1999 10.79 13.31 3,869
1998 10.00(d) 10.79 342
[LINE CHART]
</TABLE>

A-PPA-13
<PAGE>

<TABLE>
<CAPTION>
- ------------------------------------------------------------------------------------------------------------------------------------
NUMBER OF
BEGINNING OF YEAR END OF YEAR ACCUMULATION
ACCUMULATION ACCUMULATION UNITS END OF YEAR
PREFERENCE PLUS DEFERRED ANNUITIES YEAR UNIT VALUE UNIT VALUE (IN THOUSANDS)
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Putnam International Stock Division........................ 1999 $16.07 $18.49 13,052
1998 13.28 16.07 14,330
1997 13.77 13.28 15,865
1996 14.19 13.77 17,780
1995 14.25 14.19 17,553
1994 13.74 14.25 16,674
1993 9.41 13.74 6,921
1992 10.61 9.41 966
1991 10.00(c) 10.61 92
[LINE CHART]
</TABLE>

- ----------
In addition to the above mentioned Accumulation Units, there were cash reserves
of $45,884,050 as of December 31, 1999, applicable to Income Annuities
(including those not described in this Prospectus) receiving annuity payouts.

(a) Inception Date July 2, 1990.
(b) Inception Date March 3, 1997.
(c) Inception Date July 1, 1991.
(d) Inception Date November 9, 1998.

[GRAPHIC OMITTED]

A-PPA-14
<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 with 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 the
Preference Plus Account Variable Annuity Contracts and some other 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 Deferred Annuities and Income Annuities 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.

A-PPA-15
<PAGE>

Variable Annuities

There are two types of variable annuities described in this Prospectus: Deferred
Annuities and Income Annuities. These annuities are "variable" because the value
of your account or income payment varies based on the investment performance of
the investment divisions you choose. In short, the value of your Deferred
Annuity, your income payments under a variable pay-out option of your Deferred
Annuity, or your income payments under your Income Annuity, may go up or down.
Since the investment performance is not guaranteed, your money is at risk. The
degree of risk will depend on the investment divisions you select. The
Accumulation Unit Value or Annuity Unit Value for each investment division rises
or falls based on the investment performance (or "experience") of the Portfolio
with the same name.

The Deferred Annuities have a fixed interest rate option called the "Fixed
Interest Account." With the Fixed Interest Account, your money earns a rate of
interest that we guarantee. Income Annuities and the variable pay-out options
under the Deferred Annuities have a fixed payment option called the "Fixed
Income Option." Under the Fixed Income Option, we guarantee the amount of your
fixed income payments. These fixed options are not described in this Prospectus
although we occasionally refer to them.

A Deferred Annuity

You accumulate money in your account during the pay-in phase by making one or
more purchase payments. MetLife will hold your money and credit investment
returns as long as the money remains in your account.

All IRA's receive tax deferral under the Internal Revenue Code. There are no
additional tax benefits by funding an IRA with a Deferred Annuity. Therefore,
there should be reasons other than tax deferral for acquiring the Deferred
Annuity such as the availability of a guaranteed income for life or the death
benefit.

The pay-out phase begins when you either take all of your money out of the
account or elect to have us pay you "income" payments using the money in your
account. The number and the amount of the income payments you receive will
depend on such things as the type of pay-out option you choose, your investment
choices, and the amount used to provide your income payments. Because Deferred
Annuities offer various insurance benefits such as payment options, including
our guarantee of income for your lifetime, they are "annuities."

An Income Annuity

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

Group Deferred Annuities and group Income Annuities are also available. They are
offered to an employer, association, trust or other group for its employees,
members or participants.

A Deferred Annuity consists of two phases: the accumulation or "pay-in" phase
and the income or "pay-out" phase.
- --------------------------------------------------------------------------------

A-PPA-16
<PAGE>

choice over which MetLife will make income payments. Income Annuities also have
other features. The amount of the income payments you receive will depend on
such things as the type of pay-out option you choose, your investment choices
and the amount of your purchase payment.

Your Investment Choices

The Metropolitan Fund, the Zenith Fund and each of their Portfolios are more
fully described in their respective prospectuses and SAIs. The Metropolitan Fund
and Zenith Fund prospectuses are attached at the end of this Prospectus. You
should read these prospectuses carefully before making purchase payments to the
investment divisions. The SAIs are available upon your request.

Your 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 appropriate Fund prospectus for more
information regarding the investment objectives and investment practices of each
Portfolio. Since your Account Balance or income payments are subject to the
risks associated with investing in stocks and bonds, your Account Balance or
variable income payments based on amounts allocated to the investment divisions
may go down as well as up.

The following list of investment choices includes five Portfolios that, subject
to state approval, we anticipate will be available on or about July 5, 2000.

Lehman Brothers Aggregate Bond Index Portfolio
State Street Research Income 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
Davis Venture Value Portfolio
Putnam Large Cap Growth Portfolio
Metlife Mid Cap Stock Index Portfolio
Neuberger Berman Partners Mid Cap Value Portfolio
Janus Mid Cap Portfolio
State Street Research Aggressive Growth Portfolio
Loomis Sayles High Yield Bond Portfolio
Russell 2000(Registered) Index Portfolio
T. Rowe Price Small Cap Growth Portfolio
Loomis Sayles Small Cap Portfolio
State Street Research Aurora Small Cap Value Portfolio
Scudder Global Equity Portfolio
Morgan Stanley EAFE(Registered) Index Portfolio
Putnam International Stock Portfolio

- --------------------------------------------------------------------------------
The investment divisions generally offer the opportunity for greater returns
over the long term than our guaranteed fixed rate option.

The degree of investment risk you assume will depend on the investment divisions
you choose. We have listed your choices (including those anticipated to be
available July 5, 2000) in the approximate order of risk from the most
conservative to the most aggressive.

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 investment divisions and Portfolios are
not those mutual funds. The portfolios most likely will not have the same
performance experience as any publicly available mutual fund.
- --------------------------------------------------------------------------------

A-PPA-17
<PAGE>

Subject to state approval, the Davis Venture Value, Putnam Large Cap Growth,
MetLife Mid Cap Stock Index, Loomis Sayles Small Cap and State Street Research
Aurora Small Cap Value Portfolios will be available on or about July 5, 2000.

Some of the investment choices may not be available under the terms of your
Deferred Annuity or Income Annuity. Your contract will indicate the investment
divisions that are available to you. Your investment choices may be limited
because:

o Some of the investment divisions are not approved in your state.

o Your employer, association or other group contract holder limits the
number of available investment divisions.

o We have restricted the available investment divisions.

o For Income Annuities, some states limit you to four choices (four
investment divisions or three investment divisions and the Fixed Income
Option).

The investment divisions buy and sell shares of corresponding mutual fund
portfolios. These Portfolios, which are part of either the Metropolitan Fund or
the Zenith 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 to you under the Deferred Annuities or
Income Annuities. You pay no transaction expenses (i.e., front-end 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 and the Zenith
Fund are available only by purchasing annuities and life insurance policies from
MetLife or certain of its affiliated insurance companies and are never sold
directly to the public.

The Metropolitan Fund and the Zenith Fund are "series" type funds 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
fund. Except for the Janus Mid Cap Portfolio, 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. The Zenith Fund pays New England Investment Management, Inc.
("NEIM") a monthly fee as its investment manager. These fees, as well as the
operating expenses paid by each Portfolio, are described in the applicable
prospectus and SAI for the Metropolitan Fund or Zenith Fund.

In addition, the Metropolitan Fund and the Zenith Fund prospectuses each discuss
other separate accounts of MetLife and and its affiliated insurance companies
that invest in the Metropolitan Fund or the Zenith Fund. The risks of these
arrangements are also discussed in each Fund's prospectus.

A-PPA-18
<PAGE>

Deferred Annuities

This Prospectus describes five kinds of Deferred Annuities under which you can
accumulate money:

[GRAPHIC OMITTED]

o Non-Qualified

o Traditional IRAs (Individual Retirement Annuities)

o Roth IRAs (Roth Individual Retirement Annuities)

o Simple IRAs (Savings Incentive Match Plan for Employees Individual
Retirement Annuities)

o SEPs (Simplified Employee Pensions)

Certain group Deferred Annuities may be issued to a bank that does nothing but
hold them as contract holder.

The Deferred Annuity and Your Retirement Plan

If you participate through a retirement plan, the Deferred Annuity may provide
that all or some of your rights as described in this Prospectus are subject to
the plan's terms. Limitations on your rights may apply to investment choices,
purchase payments, withdrawals, transfers, the death benefit and pay-out
options. We may rely on your employer's or plan administrator's statements to us
as to the terms of the plan or your entitlement to any amounts. We will not be
responsible for determining what your plan says. You should consult your
Deferred Annuity contract and plan document to see how you may be affected.

Automated Investment Strategies

There are five automated investment strategies available to you. These
investment strategies are available to you without any additional charges. As
with any investment program, no strategy can guarantee a gain - you can lose
money. We may modify or terminate any of the strategies at any time. You may
have only one automated investment strategy in effect at a time.

The Equity Generator(Service Mark): An amount equal to the interest earned in
the Fixed Interest Account is transferred monthly to either the MetLife Stock
Index or State Street Research Aggressive Growth investment division, based on
your selection.

As an added benefit of this strategy, as long as 100% of your contributions are
allocated to the Fixed Interest Account for the life of your Deferred Annuity
and you never request allocation changes or transfers, you will not pay more in
early withdrawal charges than your contract earns. Early withdrawal charges may
be taken from any of your earnings.

- --------------------------------------------------------------------------------
These Deferred Annuities may be either issued to you as an individual or to a
group (you are then a participant under the group's Deferred Annuity).

We created these investment strategies to help you manage your money. You decide
if one is appropriate for you, based upon your risk tolerance and savings goals.
Also, the strategies were designed to help you take advantage of the
tax-deferred status of a Non-Qualified annuity.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

A-PPA-19
<PAGE>

[GRAPHIC OMITTED]

The Equalizer(Service Mark): You start with equal amounts of money in the Fixed
Interest Account and your choice of either the MetLife Stock Index Division or
the State Street Research Aggressive Growth Division. Each quarter amounts are
transferred between the Fixed Interest Account and your chosen investment
division to make the value of each equal. Say you choose the MetLife Stock Index
Division. If over the quarter, it outperforms the Fixed Interest Account, money
is transferred to the Fixed Interest Account. Conversely, if the Fixed Interest
Account outperforms the MetLife Stock Index Division, money is transferred into
the MetLife Stock Index Division.

[GRAPHIC OMITTED]

The Rebalancer(Service Mark): You select a specific asset allocation for your
entire Account Balance from among the investment divisions and the Fixed
Interest Account. Each quarter, we transfer amounts among these options to bring
the percentage of your Account Balance in each option back to your original
allocation. In the future, we may permit you to allocate less than 100% of your
Account Balance to this strategy.

[GRAPHIC OMITTED]

The Index Selector(Service Mark): You may select one of five asset allocation
models which are designed to correlate to various risk tolerance levels. Based
on the model you choose, your entire Account Balance is divided among the Lehman
Brothers Aggregate Bond Index, MetLife Stock Index, Morgan Stanley
EAFE(Registered) Index, Russell 2000(Registered) Index and MetLife Mid Cap Stock
Index (available on or about July 5, 2000) investment divisions and the Fixed
Interest Account. On or about July 5, 2000, the models will be revised to
include the MetLife Mid Cap Stock Index Division. Each quarter, the percentage
in each of these investment divisions and the Fixed Interest Account is brought
back to the original percentage by transferring amounts among the investment
divisions and the Fixed Interest Account.

In the future, we may permit you to allocate less than 100% of your Account
Balance to this strategy. This strategy may experience more volatility than our
other strategies. The models are subject to change from time to time. We provide
the elements to formulate the models. We may rely on a third party for its
expertise in creating appropriate allocations.

[GRAPHIC OMITTED]

The Allocator(Service Mark): Each month a dollar amount you choose is
transferred from the Fixed Interest Account to any of the investment divisions
you choose. You select the day of the month and the number of months over which
the transfers will occur. A minimum transfer of $50 is the only requirement.

The Equity Generator and the Allocator are dollar cost averaging strategies.
Dollar cost averaging involves investing at regular intervals of time. Since
this involves continuously investing regardless of fluctuating prices, you
should consider whether you can continue the strategy through periods of
fluctuating prices.

A-PPA-20
<PAGE>

Purchase Payments

There is no minimum purchase payment. You may continue to make purchase payments
while you receive Systematic Withdrawal Program payments, as described later in
this Prospectus, unless your purchase payments are made through automatic
payroll deduction, check-o-matic, salary reduction or salary deduction.

Allocation of Purchase Payments

You decide how your money is allocated among the Fixed Interest Account and the
investment divisions. You can change your allocations for future purchase
payments. We will make allocation changes when we receive your request for a
change. You may also specify an effective date for the change as long as it is
within 30 days after we receive the request.

Automated Purchase Payments

If you purchase a Traditional IRA, a Roth IRA or a Non-Qualified Deferred
Annuity, you may elect to have purchase payments made automatically. With
"automatic payroll deduction" your employer deducts an amount from your salary
and makes the purchase payment for you. With "check-o-matic" your bank deducts
money from your checking account and makes the purchase payment for you.

Electronic Applications

When circumstances permit, we may be able to electronically submit your complete
initial application to your MetLife Designated Office. If you elect to use this
process, our local office or your sales representative will actually transmit
the record of your purchase payment and application. Your actual purchase
payment, application and other related documents will then be forwarded to your
MetLife Designated Office. We may, for certain Deferred Annuities, treat the
electronic purchase payment as though we had received payment at your MetLife
Designated Office in order to credit and value the purchase payment.

We may do this if:

o The electronic purchase payment is received at your MetLife Designated
Office and accompanied by a properly completed electronic application
record; and

o Your money, application and other documentation are received in good order
at your MetLife Designated Office within five business days following the
transmission of the electronic record. Generally, the electronic record is
received at your MetLife Designated Office the business day following its
transmission by the sales representative or local office.

- --------------------------------------------------------------------------------
You may make purchase payments to your Deferred Annuity whenever you choose, up
to the date you begin receiving payments from a pay-out option. However, Federal
tax rules may limit the amount and frequency of your purchase payments.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

A-PPA-21
<PAGE>

If, however, your purchase payment and paper copy of the application are
received at your MetLife Designated Office before the electronic record,
then your purchase payment will be credited and valued as of the date it
is received.

Limits on Purchase Payments

Your ability to make purchase payments may be limited by:

o Federal tax laws;

o Our right to limit the total of your purchase payments to $500,000. We may
change the maximum by telling you in writing at least 90 days in advance;
and

o Regulatory requirements. For example, if you reside in Washington or
Oregon, we may be required to limit your ability to make purchase payments
after you have held the Deferred Annuity for more than three years, if the
Deferred Annuity was issued to you after you turn age 60; or after you
turn age 63, if the Deferred Annuity was issued before you were age 61.

The Value of Your Investment

[GRAPHIC OMITTED]

Accumulation Units are credited to you when you make purchase payments or
transfers into an investment division. When you withdraw or transfer money from
an investment division, accumulation units are liquidated. We determine the
number of accumulation units by dividing the amount of your purchase payment,
transfer or withdrawal by the Accumulation Unit Value on the date of the
transaction.

This is how we calculate the Accumulation Unit Value for each investment
division:

o First, we determine the change in investment performance (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 our insurance-related charge
(general administrative expense and mortality and expense risk charges)
for each day since the last Accumulation Unit Value was calculated; and

o Finally, we multiply the previous Accumulation Unit Value by this result.

A-PPA-22
<PAGE>

Examples

Calculating the Number of Accumulation Units

Assume you make a purchase payment of $500 into one investment division and that
investment division's Accumulation Unit Value is currently $10.00. You would be
credited with 50 accumulation units.

$500 = 50 accumulation units
----
10

Calculating the Accumulation Unit Value

Assume yesterday's Accumulation Unit Value was $10.00 and the number we
calculate for today's investment experience (minus charges) for an underlying
portfolio is 1.05. Today's Accumulation Unit Value is $10.50. The value of your
$500 investment is then $525 ($500 x 1.05 = $525).

[GRAPHIC OMITTED]

$10.00 x 1.05 = $10.50 is the new Accumulation Unit Value

However, assume that today's investment experience (minus charges) is .95
instead of 1.05. Today's Accumulation Unit Value is $9.50. The value of your
$500 investment is then $475 ($500 x 9.50 = $475).

$10.00 x .95 = $9.50 is the new Accumulation Unit Value

Transfers

You can make tax-free transfers between investment divisions or between the
investment divisions and the Fixed Interest Account. For us to process a
transfer, you must tell us:

o The percentage or dollar amount of the transfer;

o The investment divisions (or Fixed Interest Account) from which you want
the money to be transferred;

o The investment divisions (or Fixed Interest Account) to which you want the
money to be transferred; and

o Whether you intend to start, stop or modify an automated investment
strategy by making the transfer.

Each Fund may restrict or refuse purchases or redemptions of shares in their
Portfolios as a result of certain market timing activities. You should read the
Fund prospectuses for more details.

Your transfer request must be completed prior to 4:00 p.m. Eastern time on one
of our business days if you want the transaction to take place on that day. All
other transfer requests will be processed our next business day.

We may require you to:

o Use our forms;

o Maintain a minimum Account Balance (if the transfer is in connection with
an automated investment strategy); or

- --------------------------------------------------------------------------------
You may transfer money within your contract. You will not incur current taxes on
your earnings or any early withdrawal charges as a result of transferring your
money.
- --------------------------------------------------------------------------------

A-PPA-23
<PAGE>

o Transfer a minimum amount if the transfer is in connection with the
Allocator.

Access To Your Money

You may withdraw either all or part of your Account Balance from the Deferred
Annuity. Other than those made through the Systematic Withdrawal Program,
withdrawals must be at least $500 (or the Account Balance, if less). To process
your request, we need the following information:

o The percentage or dollar amount of the withdrawal; and

o The investment divisions (or Fixed Interest Account) from which you want
the money to be withdrawn.

Generally, if you request, we will make payments directly to other investments
on a tax-free basis. You may only do so if all applicable tax and state
regulatory requirements are met and we receive all information necessary for us
to make the payment. We may require you to use our forms.

Systematic Withdrawal Program

Under this program and subject to approval in your state, you may choose to
automatically withdraw a specific dollar amount or a percentage of your Account
Balance each Contract Year. This amount is then paid in equal portions
throughout the Contract Year, according to the time frame you select, e.g.,
monthly, quarterly, semi-annually or annually. Once the Systematic Withdrawal
Program is initiated, the payments will automatically renew each Contract Year.
Income taxes, tax penalties and early withdrawal charges may apply to your
withdrawals.

If you elect to withdraw a dollar amount, we will pay you the same dollar amount
each Contract Year. If you elect to withdraw a percentage of your Account
Balance, each Contract Year, we recalculate the dollar amount you will receive
based on your new Account Balance.

Calculating Your Payment Based on a Percentage Election for the First Contract
Year You Elect the Systematic Withdrawal Program: If you choose to receive a
percentage of your Account Balance, we will determine the dollar amount payable
on the date these payments begin. When you first elect the program, we will pay
this dollar amount over the remainder of the Contract Year. For example, if you
select to receive payments on a monthly basis with the percentage of your
Account Balance you request equaling $12,000, and there are six months left in
the Contract Year, we will pay you $2,000 a month.

Calculating Your Payment for Subsequent Contract Years of the Systematic
Withdrawal Program: For each subsequent year that your Systematic Withdrawal
Program remains in effect, we will deduct from your Deferred Annuity and pay you
over the Contract Year either the dollar amount that you chose or a dollar
amount equal to the percentage of your Account Balance you chose. For example,
if you select to receive payments on a

- --------------------------------------------------------------------------------
Income taxes, tax penalties and early withdrawal charges may apply to any
withdrawal you make.

[GRAPHIC OMITTED]

We will withdraw your systematic withdrawal program payments from the Fixed
Interest Account or investment divisions you select, either pro rata or in the
proportions you request. Each payment must be at least $50.
- --------------------------------------------------------------------------------

A-PPA-24
<PAGE>

monthly basis, ask for a percentage and that percentage of your Account Balance
equals $12,000 at the start of a Contract Year, we will pay you $1,000 a month.

If you do not provide us with your desired allocation, or there are insufficient
amounts in the investment divisions or the Fixed Interest Account that you
selected, the payments will be taken out pro rata from the Fixed Interest
Account and any investment divisions in which you then have money.

Selecting a Payment Date: Your payment date is the date we make the withdrawal.
When you select or change a payment date, we must receive your request at least
10 days prior to the selected payment date. If we do not receive your request in
time, we will make the payment a month after the date you selected. If you do
not select a payment date, we will automatically begin systematic withdrawals
within 30 days after we receive your request. Changes in the dollar amount,
percentage, or timing of payments can be made once a year at the beginning of
any Contract Year. However, we must receive your request at least 30 days in
advance. If you make any of these changes, we will treat your contract as though
you were starting a new Systematic Withdrawal Program.

Although we need your written authorization to begin this program, you may
cancel this program at any time by telephone or by writing to us at your MetLife
Designated Office. However, you may only restart this program once each Contract
Year.

Systematic Withdrawal Program payments may be subject to an early withdrawal
charge unless an exception to this charge applies. For purposes of determining
how much of the annual payment amount is exempt from this charge under the free
withdrawal provision (discussed later), all Systematic Withdrawal Program
payments in a Contract Year are characterized as a single lump sum withdrawal as
of your first payment date in that Contract Year. When you first elect the
program, we will calculate the percentage of your Account Balance your
Systematic Withdrawal Payment represents based on your Account Balance on the
first Systematic Withdrawal Program payment date. For all subsequent Contract
Years, we will calculate the percentage of your Account Balance your Systematic
Withdrawal payment represents based on your Account Balance on the first
Systematic Withdrawal Program payment date of that Contract Year. We will
determine separately the early withdrawal charge and any relevant factors (such
as applicable exceptions) for each Systematic Withdrawal Program payment as of
the date it is withdrawn from your Deferred Annuity.

Minimum Distribution

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

If you would like to receive your systematic withdrawal payment on or about the
first of the month, you should request that the payment date be the 20th day of
the month.

Your Account Balance will be reduced by the amount of your systematic withdrawal
payments and applicable withdrawal charges. Payments under this program are not
the same as income payments you would receive from a Deferred Annuity pay-out
option or under an Income Annuity.
- --------------------------------------------------------------------------------

A-PPA-25
<PAGE>

may request that we pay it to you in installments throughout the calendar year.
However, we may require that you maintain a certain Account Balance at the time
you request these payments.

Contract Fee

There is no Separate Account annual contract fee.

o For the Non-Qualified, Traditional IRA, Roth IRA and SEP Deferred
Annuities, you pay a $20 annual fee from the Fixed Interest Account at the
end of each Contract Year if your Account Balance is less than $20,000 and
you are not enrolled in the check-o-matic or automatic payroll deduction
programs.

o For the SIMPLE IRA Deferred Annuity, you pay a $20 annual fee from the
Fixed Interest Account at the end of each Contract Year if your Account
Balance is less than $20,000 and you do not make a purchase payment during
the Contract Year.

Charges

There are two types of charges you pay while you have money in an investment
division:

o Insurance-related charge, and

o Investment-related charge.

Insurance-Related Charge

You will pay an insurance-related charge for the Separate Account that is no
more than 1.25% annually of the average value of the amount you have in the
Separate Account. This charge pays us for general administrative expenses and
for the mortality and expense risk of the Deferred Annuity.

General administrative expenses we incur include financial, actuarial,
accounting, and legal expenses.

The mortality portion of the insurance-related charge pays us for the risk that
you may live longer than we estimated. Then, we could be obligated to pay you
more in payments from a pay-out option than we anticipated. Also, we bear the
risk that the guaranteed death benefit we would pay should you die during your
"pay-in" phase is larger than your Account Balance. We also bear the risk that
our expenses in administering the Deferred Annuities may be greater than we
estimated (expense risk).

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 you pay depends on which investment divisions you
select. Amounts for each investment division for the previous year are listed in
the Table of Expenses.

- --------------------------------------------------------------------------------
The charges you pay will not reduce the number of accumulation units credited to
you. Instead, we deduct the charges each time we calculate the Accumulation Unit
Value.

MetLife guarantees that the Separate Account insurance-related charge will not
increase while you have a Deferred Annuity.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

A-PPA-26
<PAGE>

Premium Taxes

Some jurisdictions tax what are called "annuity considerations." These may apply
to purchase payments, Account Balances and death benefits. In most
jurisdictions, we currently do not deduct any money from purchase payments,
Account Balances or death benefits to pay these taxes. Generally, our practice
is to deduct money to pay premium taxes (also known as "annuity" taxes) only
when you exercise a pay-out option. In certain jurisdictions, we may also deduct
money to pay premium taxes on lump sum withdrawals or when you exercise a
pay-out option. We may deduct an amount to pay premium taxes some time in the
future since the laws and the interpretation of the laws relating to annuities
are subject to change.

Premium taxes, if applicable, currently range from .5% to 5.0% depending on the
Deferred Annuity you purchase and your home state or jurisdiction. A chart in
the Appendix shows the jurisdictions where premium taxes are charged and the
amount of these taxes.

Early Withdrawal Charges

An early withdrawal charge of up to 7% may apply if you withdraw purchase
payments within 7 years of when they were credited to your Deferred Annuity. To
determine the early withdrawal charge for Deferred Annuities, we treat your
Fixed Interest Account and Separate Account as if they were a single account and
ignore both your actual allocations and the Fixed Interest Account or investment
division from which the withdrawal is actually coming. To do this, we first
assume that your withdrawal is from amounts (other than earnings) that can be
withdrawn without an early withdrawal charge, then from other amounts (other
than earnings) and then from earnings, each on a "first-in-first-out" (oldest
money first) basis. Once we have determined the amount of the early withdrawal
charge, we will then withdraw it from the Fixed Interest Account and the
investment divisions in the same proportion as the withdrawal is being made. In
determining what the withdrawal charge is, we do not include earnings, although
the actual withdrawal to pay it may come from earnings.

For partial withdrawals, the early withdrawal charge is determined by dividing
the amount that is subject to the early withdrawal charge by 100% minus the
applicable percentage shown in the following chart. Then we will make the
payment directed and withdraw the early withdrawal charge.

For a full withdrawal, we multiply the amount to which the withdrawal charge
applies by the percentage shown, keep the result as an early withdrawal charge
and pay you the rest. We will treat your request as a request for a full
withdrawal if your Account Balance is not sufficient to pay both the requested
withdrawal and the early withdrawal charge.

The early withdrawal charge on purchase payments withdrawn is as follows:

- --------------------------------------------------------------------------------
You will not pay an early withdrawal charge on any purchase payments made more
than 7 years ago.

We do not include your earnings when calculating early withdrawal charges.
However, if the early withdrawal charge is greater than the available purchase
payments, then we will take the early withdrawal charges, in whole or in part,
from your earnings.
- --------------------------------------------------------------------------------

A-PPA-27
<PAGE>

During Purchase Payment Year

Year 1 2 3 4 5 6 7 8 & Later
Percentage 7% 6% 5% 4% 3% 2% 1% 0%

By law, your total early withdrawal charges applied to amounts in the investment
divisions will never exceed 9% of all your purchase payments in the investment
divisions.

The early withdrawal charge reimburses us for our costs in selling the Deferred
Annuities. We may use our profits (if any) from the mortality and expense risk
charge to pay for our costs to sell the Deferred Annuities which exceed the
amount of early withdrawal charges we collect. However, we believe that our
sales costs may exceed the early withdrawal charges we collect. If so, we will
pay the difference out of our general profits.

When No Early Withdrawal Charge Applies

In some cases, we will not charge you the early withdrawal charge when you make
a withdrawal. We may, however, ask you to prove that you meet any conditions
listed below.

You do not pay an early withdrawal charge:

o On transfers you make within your Deferred Annuity.

o On withdrawals of purchase payments you made over seven years ago.

o If you choose payments over one or more lifetimes or for a period of at
least five years (without the right to accelerate the payments).

o If you die during the pay-in phase. Your beneficiary will receive the full
death benefit without deduction.

o If you withdraw up to to 10% of your Account Balance in a Contract Year.
This 10% total withdrawal may be taken in an unlimited number of partial
withdrawals during that Contract Year. Each time you make a withdrawal, we
calculate what percentage your withdrawal represents at that time. Only
when the total of these percentages exceeds 10% will you have to pay early
withdrawal charges.

o If the withdrawal is required for you to avoid Federal income tax
penalties or to satisfy Federal income tax rules or Department of Labor
regulations that apply to your Deferred Annuity. This exception does not
apply if you have a Non-Qualified or Roth IRA Deferred Annuity.

o Because you accept an amendment converting your Traditional IRA Deferred
Annuity to a Roth IRA Deferred Annuity.

o If your Contract provides for this, on your first withdrawal to which an
early withdrawal charge would otherwise apply, and either you or your
spouse:

- --------------------------------------------------------------------------------
Early withdrawal charges never apply to transfers among investment divisions or
transfers to or from the Fixed Interest Account.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

A-PPA-28
<PAGE>

o Has been a resident of certain nursing home facilities for a minimum
of 90 consecutive days; or

o Is diagnosed with a terminal illness and not expected to live more
than a year.

When Another Early Withdrawal Charge May Apply

[GRAPHIC OMITTED]

If you transferred money from certain eligible MetLife contracts into a Deferred
Annuity, you may have different early withdrawal charges for these transfer
amounts. Any purchase payments made after the transfer are subject to the usual
early withdrawal charge schedule.

o Amounts transferred before January 1, 1996:

We credit your transfer amounts with the time you held them under
your original contract. Or, if it will produce a lower charge, we
use the following schedule to determine early withdrawal charges
(determined as previously described) for transferred amounts from
your original contract:

During Purchase Payment Year

Year 1 2 3 4 5 6 and Beyond
Percentage 5% 4% 3% 2% 1% 0%

o Amounts transferred on or after January 1, 1996:

o For certain contracts which we issued at least two years before the
date of transfer (except as noted below), we apply the withdrawal
charge under your original contract but not any of the original
contract's exceptions or reductions to the withdrawal charge
percentage that do not apply to a Deferred Annuity. Or, if it will
produce a lower charge, we use the following schedule to determine
early withdrawal charges for transferred amounts from your original
contract:

After the Transfer

Year 1 2 3 4 5 6 and Beyond
Percentage 5% 4% 3% 2% 1% 0%

o If we issued the other contract less than two years before the date
of the transfer or it has a separate withdrawal charge for each
purchase payment, we treat your purchase payments under the other
contract as if they were made under the Deferred Annuity as of the
date we received them under that contract.

o Alternatively, if provided for in your Deferred Annuity, we credit your
purchase payments with the time you held them under your original
contract.

A-PPA-29
<PAGE>

Free Look

[GRAPHIC OMITTED]

You may cancel your Deferred Annuity within a certain time period. This is known
as a "free look." We must receive your request to cancel in writing. The number
of days for this "free look" varies from state to state. The time period may
also vary depending on your age and whether you purchased your Deferred Annuity
from us directly, through the mail or with money from another annuity or life
insurance policy. Not all contracts issued are subject to free look provisions
under state law. Depending on state law, we may refund all of your purchase
payments or your Account Balance as of the date your properly completed refund
request is received at your MetLife Designated Office.

Death Benefit

One of the insurance guarantees we provide you under your Deferred Annuity is
that your beneficiaries will be protected against market downturns. You name
your beneficiary(ies). If you die during the pay-in phase, the death benefit the
beneficiary receives will be the greatest of:

o Your Account Balance;

o Your highest Account Balance as of December 31 following the end of your
fifth Contract Year and at the end of every other five year period. In any
case, less any later partial withdrawals, fees and charges; or

o The total of all of your purchase payments less any partial withdrawals.

We will only pay the death benefit when we receive both proof of death and
appropriate instructions for payment.

Your beneficiary has the option to apply the death benefit (less any applicable
premium taxes) to a pay-out option offered under your Deferred Annuity. Your
beneficiary may, however, decide to take a lump sum cash payment.

Pay-out Options (or Income Options)

You may convert your Deferred Annuity into a regular stream of income after your
"pay-in" or "accumulation" phase. When you select your pay-out option, you will
be able to choose from the range of options we then have available. You have the
flexibility to select a stream of income to meet your needs. If you decide you
want a pay-out option, we withdraw some or all of your Account Balance (less any
premium taxes and applicable contract fees), then we apply the net amount to the
option. You are not required to hold your Deferred Annuity for any minimum time
period before you may annuitize. However, if you annuitize within two years of
purchasing the Deferred Annuity, a $350 contract fee applies. Generally, you may
defer receiving payments for up to one year after you have chosen your pay-out
option. The variable pay-out option may not be available in certain states.

- --------------------------------------------------------------------------------
The pay-out phase is often referred to as either "annuitizing" your contract or
taking an income annuity.

Should our current immediate annuity rates for a fixed pay-out option provide
for greater payments than those quoted in your contract, we will use the current
rates.
- --------------------------------------------------------------------------------

A-PPA-30
<PAGE>

When considering a pay-out option, you should think about whether you want:

o Payments guaranteed by us for the rest of your life (or for the rest of
two lives) or for a specified period;

o A fixed dollar payment or a variable payment;

o A refund feature.

Your income payment amount will depend upon your choices. For lifetime options,
the age and sex of the measuring lives (annuitants) will also be considered. For
example, if you select a pay-out option guaranteeing payments for your lifetime
and your spouse's lifetime, your payments will typically be lower than if you
select a pay-out option with payments over only your life time. The terms of the
Contract supplement to your Deferred Annuity will determine when your income
payments start and the frequency with which you will receive your income
payments.

By the date specified in your contract, if you do not either elect to continue
the contract, select a pay-out option or withdraw your entire Account Balance,
and your Deferred Annuity was not issued under a retirement plan, we will
automatically issue you a life annuity with a 10 year guarantee. In that case,
if you do not tell us otherwise, your Fixed Interest Account Balance will be
used to provide a Fixed Income Option and your Separate Account Balance will be
used to provide a variable pay-out option. However, if we do ask you what you
want us to do and you do not respond, we may treat your silence as a request by
you to continue your Deferred Annuity.

Because the features of variable pay-out options under the Deferred Annuities
are identical to the features of Income Annuities, please read the sections
under the "Income Annuities" heading for more information.

Income Annuities

Income Annuities provide you with a regular stream of payments for either your
lifetime or a specific period. You have the flexibility to select a stream of
income to meet your needs. Income Annuities can be purchased so that you begin
receiving payments immediately or you can apply the Account Balance of your
Deferred Annuity to a pay-out option to receive payments during your "pay-out"
phase. With an Income Annuity, you must start receiving payments within the
first year after the annuity is issued. The Income Annuity currently may not be
available in certain states.

[GRAPHIC OMITTED]

We do not guarantee that your variable payments will be a specific amount of
money. You may choose to have a portion of the payment fixed and guaranteed
under the Fixed Income Option.

Using proceeds from the following types of arrangements, you may purchase Income
Annuities to receive immediate payments:

o Non-Qualified o Roth IRA o SIMPLE IRA

o Traditional IRA o SEP IRA

- --------------------------------------------------------------------------------
You may choose the frequency of your income payments. For example, you may
receive your payments on a monthly, quarterly, semiannual or annual basis.
- --------------------------------------------------------------------------------

A-PPA-31
<PAGE>

If you have accumulated amounts in any of the listed investment vehicles, your
lump sum withdrawal from that investment vehicle may be used to purchase an
appropriate Income Annuity as long as income tax requirements are met.

If your retirement plan has purchased an Income Annuity, your choice of pay-out
options may be subject to the terms of the plan. We may rely on your employer's
or plan administrator's statements to us as to the terms of the plan or your
entitlement to any payments. We will not be responsible for interpreting the
terms of your plan. You should review your plan document to see how you may be
affected.

Income Payment Types

Currently, we provide you with a wide variety of income payment types to suit a
range of personal preferences.

There are three people who are involved in payments under your Income Annuity:

o Owner: the person or entity which has all rights under the Income Annuity
including the right to direct who receives payment.

o Annuitant: the person whose life is the measure for determining the
duration and sometimes the dollar amount of payments.

o Beneficiary: the person who receives continuing payments/or a lump sum
payment if the owner dies.

Your income payment amount will depend in large part on the type of income
payment you choose. For example, if you select a "Lifetime Income Annuity for
Two," your payments will typically be lower than if you select a "Lifetime
Income Annuity." The terms of your contract will determine when your income
payments start and the frequency with which you will receive your income
payments. The following income payment types are available:

Lifetime Income Annuity: A variable income that is paid as long as the annuitant
is living.

Lifetime Income Annuity with a Guarantee Period: A variable income that
continues as long as the annuitant is living but is guaranteed to be paid for a
number of years. If the annuitant dies before all of the guaranteed payments
have been made, payments are made to the owner of the annuity (or the
beneficiary, if the owner dies during the guarantee period) until the end of the
guaranteed period. No payments are made once the guarantee period has expired
and the annuitant is no longer living.

- --------------------------------------------------------------------------------
Many times, the Owner and the Annuitant are the same person.

When deciding how to receive income, consider:

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.
- --------------------------------------------------------------------------------

A-PPA-32
<PAGE>

Lifetime Income Annuity with a Refund: A variable income that is paid as long as
the annuitant is living and guarantees that the total of all income payments
will not be less than the purchase payment that we received. If the annuitant
dies before the total of all income payments received equals the purchase
payment, we will pay the owner (or the beneficiary, if the owner is not living)
the difference in a lump sum.

Lifetime Income Annuity for Two: A variable income that is paid as long as
either of the two annuitants is living. After one annuitant dies, payments
continue to be made as long as the other annuitant is living. In that event,
payments may be the same as those made while both annuitants were living or may
be a smaller percentage that is selected when the annuity is purchased. No
payments are made once both annuitants are no longer living.

[GRAPHIC OMITTED]

Lifetime Income Annuity for Two with a Guarantee Period: A variable income that
continues as long as either of the two annuitants is living but is guaranteed to
be paid (unreduced by any percentage selected) for a number of years. If both
annuitants die before all of the guaranteed payments have been made, payments
are made to the owner of the annuity (or the beneficiary, if the owner dies
during the guarantee period) until the end of the guaranteed period. If one
annuitant dies after the guarantee period has expired, payments continue to be
made as long as the other annuitant is living. In that event, payments may be
the same as those made while both annuitants 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 annuitants are no longer living.

Lifetime Income Annuity for Two with a Refund: A variable income that is paid as
long as either annuitant is living and guarantees that all income payments will
not be less than the purchase payment that we received. After one annuitant
dies, payments continue to be made as long as the other annuitant is living. In
that event, payments may be the same as those made while both annuitants were
living or may be a smaller percentage that is selected when the annuity is
purchased. If both annuitants die before the total of all income payments
received equals the purchase payment, we will pay the owner (or the beneficiary,
if the owner is not living) the difference in a lump sum.

Income Annuity for a Guaranteed Period: A variable income payable for a
guaranteed period of 5 to 30 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 the owner dies before the end
of the guarantee period, payments are made to the beneficiary until the end of
the guarantee period. No payments are made after the guarantee period has
expired.

A-PPA-33
<PAGE>

Allocation

You decide how your money is allocated among the Fixed Income Option and the
investment divisions.

[GRAPHIC OMITTED]

Minimum Size of Your Income Payment

Your initial income payment must be at least $50. If you live in Massachusetts,
the initial income payment must be at least $20. This means that the amount of
your purchase payment or the amount used from a Deferred Annuity to provide a
pay-out option must be large enough to produce this minimum initial income
payment.

The Value of Your Income Payments

Annuity Units

Annuity units are credited to you when you make a purchase payment or transfer
into an investment division. Before we determine the number of annuity units to
credit to you, we reduce a purchase payment (but not a transfer) by any premium
taxes and the contract fee, if applicable. We then compute an initial income
payment amount using the Assumed Investment Return ("AIR"), your income payment
type and the age and sex of the measuring lives. We then divide the initial
income payment (allocated to an investment division) by the Annuity Unit Value
on the date of the transaction. The result is the number of annuity units
credited for that investment division. 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. When you
transfer money from an investment division, annuity units in that investment
division are liquidated.

AIR

Your income payments are determined by using the AIR to benchmark the investment
experience of the investment divisions you select. The AIR is stated in your
contract and may range from 3% to 6%. The higher your AIR, the higher your
initial variable income payment will be. Your next payments will increase in
proportion to the amount the actual investment experience of your chosen
investment divisions exceeds the AIR and Separate Account charges (the net
investment return). Likewise, your payments will decrease to the extent the
investment experience of your chosen investment divisions is less than the AIR
and Separate Account charges. A lower AIR will result in a lower initial
variable income payment, but subsequent variable income payments will increase
more rapidly or decline more slowly than if you had a higher AIR as changes
occur in the actual investment experience of the investment divisions.

- --------------------------------------------------------------------------------
The AIR is stated in your contract and may range from 3% to 6%.
- --------------------------------------------------------------------------------

A-PPA-34
<PAGE>

The amount of each variable income payment is determined ten days prior to your
income payment date. If your first income payment is less than 10 days after
your Contract's issue date, then the amount of that payment will be determined
on your Contract's issue date.

Valuation

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 your insurance-related charge
(general administrative expenses and mortality and expense risk charges)
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 your 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.

Transfers

You can make transfers among investment divisions or from the investment
divisions to the Fixed Income Option. Once you transfer money into the Fixed
Income Option, you may not later transfer it into an investment division. There
is no early withdrawal charge to make a transfer. If you reside in certain
states you may be limited to four options (including the Fixed Interest Option).

[GRAPHIC OMITTED]

For us to process a transfer, you must tell us:

o The percentage or dollar amount of the transfer;

o The investment divisions (or Fixed Income Option) to which you want to
transfer; and

o The investment division from which you want to transfer.

We may require that you use our forms to make transfers.

Each Fund may restrict or refuse purchases or redemptions of shares in their
Portfolios as a result of certain market timing activities. You should read the
Fund prospectuses for more details.

- --------------------------------------------------------------------------------
Once you transfer money into the Fixed Income Option you may not later transfer
it into an investment division.
- --------------------------------------------------------------------------------

A-PPA-35
<PAGE>

Contract Fee

A one time $350 contract fee is taken from your purchase payment when you
purchase an Income Annuity prior to allocating the remainder of the purchase
payment to either the investment divisions and/or the Fixed Income Option. This
charge covers our administrative costs including preparation of the Income
Annuities, review of applications and recordkeeping. If you select a pay-out
option under your Deferred Annuity and you purchased that Deferred Annuity at
least two years ago, we will waive the contract fee.

Charges

There are two types of charges you pay if you allocate any of your purchase
payment to the investment divisions:

o Insurance-related charge; and

o Investment-related charge.

Insurance-Related Charge

[GRAPHIC OMITTED]

General administrative expenses we incur include financial, actuarial,
accounting, and legal expenses.

The mortality portion of the insurance-related charge pays us for the risk that
you may live longer than we estimated. Then, we could be obligated to pay you
more in payments than we anticipated.

We also bear the risk that our expenses in administering the Income Annuities
will be greater than we estimated (expense risk).

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 you pay depends on the investment divisions you select.
Amounts for each investment division for the previous year are listed in the
Table of Expenses.

Premium Taxes

Some jurisdictions tax what are called "annuity considerations." We deduct money
to pay "premium" taxes (also known as "annuity" taxes) when you make the
purchase payment.

Premium taxes, if applicable, currently range from .5% to 5.0% depending on the
Income Annuity you purchased and your home state or jurisdiction.

- --------------------------------------------------------------------------------
The charges you pay will not reduce the number of annuity units credited to you.
Instead, we deduct the charges when calculating the Annuity Unit Value.
- --------------------------------------------------------------------------------

A-PPA-36
<PAGE>

A chart in the Appendix shows the jurisdictions where premium taxes are charged
and the amount of these taxes.

Free Look

You may cancel your Income Annuity within a certain time period. This is known
as a "free look." We must receive your request to cancel in writing. The number
of days for this "free look" varies from state to state. The "free look" may
also vary depending on your age and whether you purchased your Income Annuity
from us directly, through the mail or with money from another annuity or life
insurance policy. Not all contracts issued are subject to free look provisions
under state law. Depending on state law, we may refund all of your purchase
payment or the value of your annuity units as of the date your properly
completed refund request is received at your MetLife Designated Office.

General Information

Administration

All transactions will be processed in the manner described below.

Purchase Payments

Send your purchase payments, by check or money order made payable to "MetLife,"
to your MetLife Designated Office. We will provide you with all necessary forms.
We must have all properly completed documents to credit your purchase payments.

[GRAPHIC OMITTED]

Purchase payments (including any portion of your Account Balance under a
Deferred Annuity which you apply to a pay-out option) are effective and valued
as of 4:00 p.m. Eastern time, on the day we receive them in good order at your
MetLife Designated Office, except when they are received:

o On a day when the Accumulation Unit Value/Annuity Unit Value is not
calculated, or

o After 4:00 p.m. Eastern time.

In those cases, the purchase payments will be effective the next day the
Accumulation Unit Value or Annuity Unit Value, as applicable, is calculated.

Usually, your initial purchase payment is credited to you within two days of
receipt at your MetLife Designated Office. However, if you fill out our forms
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 you and give you the reasons
for the delay. At that time, you will be asked whether you agree to let us keep
your money until the problem is resolved. If you do not agree or we cannot reach
you by the fifth business day, your money will be returned.

- --------------------------------------------------------------------------------
You do not have a "free look" if you are electing income payments in the pay-out
phase of your Deferred Annuity.

Generally, your properly completed requests including all subsequent purchase
payments are effective the day we receive them at your MetLife Designated
Office.
- --------------------------------------------------------------------------------

A-PPA-37
<PAGE>

Under certain group Deferred Annuities and group Income Annuities, your
employer, or the group in which you are a participant or member must identify
you on their reports to us and tell us how your money should be allocated among
the investment divisions and the Fixed Interest Account/Fixed Income Option.

Confirming Transactions

You will receive a written statement confirming that a transaction was recently
completed. Certain transactions made on a periodic basis, such as check-o-matic,
Systematic Withdrawal Program payments, and automated investment strategy
transfers, may be confirmed quarterly.

Processing Transactions

We permit you to request transactions by mail and telephone. We anticipate
making Internet access available to you in the future. We may suspend or
eliminate telephone or Internet privileges at any time, without prior notice. We
reserve the right not to accept requests for transactions by facsimile. We
reserve the right to refuse any transaction request where the request would tend
to disrupt contract administration or is not in the best interests of the
contract holders or the Separate Account.

[GRAPHIC OMITTED]

By Telephone or Internet

You may request a variety of transactions and obtain information by telephone 24
hours a day, 7 days a week, unless prohibited by state law. Likewise, in the
future, you may be able to request a variety of transactions and obtain
information through Internet access, unless prohibited by state law. Some of the
information and transactions accessible to you include:

o Account Balance

o Unit Values

o Current rates for the Fixed Interest Account

o Transfers

o Changes to investment strategies

o Changes in the allocation of future purchase payments.

Your transaction must be completed prior to 4:00 p.m. Eastern time on one of our
business days if you want the transaction to take place on that day.
Transactions will not be processed on a day when the Accumulation or Annuity
Unit Value is not calculated or after 4:00 p.m. Eastern time. We will process
these transactions on our next business day.

- --------------------------------------------------------------------------------
You may authorize your sales representative to make telephone transactions on
your behalf. You must complete our form and we must agree.
- --------------------------------------------------------------------------------

A-PPA-38
<PAGE>

We have put into place reasonable security procedures to insure that
instructions communicated by telephone or Internet are genuine. For example, all
telephone calls are recorded. Also, you will be asked to provide some personal
data prior to giving your instructions over the telephone or through the
Internet. When someone contacts us by telephone or Internet and follows our
security procedures, we will assume that you are authorizing us to act upon
those instructions. Neither the Separate Account nor MetLife will be liable for
any loss, expense or cost arising out of any requests that we or the Separate
Account reasonably believe to be authentic. In the unlikely event that you have
trouble reaching us, requests should be made in writing to your MetLife
Designated Office.

Response times for the telephone or Internet may vary due to a variety of
factors, including volumes, market conditions and performance of the systems. We
are not responsible or liable for:

o any inaccuracy, error, or delay in or omission of any information you
transmit or deliver to us; or

o any loss or damage you may incur because of such inaccuracy, error, delay
or omission; non-performance; or any interruption of information beyond
our control.

After Your Death

If we are notified of your death before a requested transaction is completed, we
will cancel the request. For example, if you request a transfer or withdrawal
for a date in the future under a Deferred Annuity and then die before that date,
we simply pay the death benefit instead. For Income Annuity transfers, we will
cancel the request and continue making payments to your beneficiary if your
Income Annuity so provides. Or, depending on your Income Annuity provisions, we
may continue making payments to a joint annuitant or pay your beneficiary a
refund.

Third Party Requests

Generally, we only accept requests for transactions or information from you.
Therefore, we reserve the right not to process transactions requested on your
behalf by your agent with a power of attorney or any other authorization. This
includes processing transactions by an agent you designate, through a power of
attorney or other authorization, who has the ability to control the amount and
timing of transfers for a number of other Contract owners, and who
simultaneously makes the same request or series of requests on behalf of other
Contract owners.

Valuation

We separately determine the Accumulation Unit Value and 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 you 30 days notice.

A-PPA-39
<PAGE>

When you request a transaction, we will process the transaction using the next
available Accumulation Unit Value for Deferred Annuities or Annuity Unit Value
for Income Annuities. Subject to our procedure, we will make withdrawals under a
Deferred Annuity and transfers under a Deferred Annuity or Income Annuity at a
later date, if you request. If your withdrawal request is to elect a variable
pay-out option under your Deferred Annuity, we base the number of annuity units
you receive on the next available Annuity Unit Value.

[GRAPHIC OMITTED]

Advertising Performance

We may state performance in terms of "yield," "change in Accumulation Unit
Value/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 Accumulation/Annuity Unit Value is calculated by determining the
percentage change in the value of an accumulation (or annuity) unit for a
certain period. These numbers may also be annualized. Change in
Accumulation/Annuity Unit Value may be used to demonstrate performance for a
hypothetical investment (such as $10,000) over a specified period. These
performance numbers reflect the deduction of the total Separate Account charges;
however, yield and change in Accumulation/Annuity Unit Value performance do not
reflect the possible imposition of early withdrawal charges. Early withdrawal
charges would reduce performance experience.

Average annual total return calculations reflect all Separate Account charges
and applicable early withdrawal charges. These figures also assume a steady
annual rate of return.

Performance figures will vary among the various Deferred Annuities and Income
Annuities as a result of different Separate Account charges and early withdrawal
charges. For purposes of presentation, we may assume that certain Deferred
Annuities and Income Annuities were in existence prior to their inception date.
In these cases, we calculate performance based on the historical performance of
the underlying Metropolitan Fund and Zenith Fund Portfolios. We use the actual
accumulation unit or annuity unit data after the inception date.

We calculate performance for certain investment strategies including the
Equalizer, Equity Generator and each asset allocation model of the Index
Selector. We calculate the performance as a percentage by presuming a certain
dollar value at the beginning of a period and comparing this dollar value with
the dollar value based on historical performance at the end of

- --------------------------------------------------------------------------------
All performance numbers are based upon historical earnings. These numbers are
not intended to indicate future results.
- --------------------------------------------------------------------------------

A-PPA-40
<PAGE>

that period. This percentage return assumes that there have been no withdrawals
or other unrelated transactions.

Changes to Your Deferred Annuity or Income Annuity

We have the right to make certain changes to your Deferred Annuity or 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 Deferred Annuity or Income Annuity. If the law requires,
we will also get your approval and the approval of any appropriate regulatory
authorities. Examples of the changes we may make include:

o To operate the Separate Account in any form permitted by law.

o To take any action necessary to comply with or obtain and continue any
exemptions under the law.

o To 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 To substitute for the Portfolio shares in any investment division, the
shares of another class of the Metropolitan Fund, Zenith Fund or the
shares of another investment company or any other investment permitted by
law.

o To 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 Deferred Annuities or Income Annuities.

o To make any necessary technical changes in the Deferred Annuities or
Income Annuities 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 in which you have a balance, we will notify you of the
change. You may then make a new choice of investment divisions. For Deferred
Annuities issued in Pennsylvania (and Income Annuities where required by law),
we will ask your approval before making any technical changes.

Voting Rights

Based on our current view of applicable law, you have voting interests under
your Deferred Annuity or Income Annuity concerning Metropolitan Fund or Zenith
Fund proposals that are subject to a shareholder vote. Therefore, you are
entitled to give us instructions for the number of shares which are deemed
attributable to your Deferred Annuity or Income Annuity.

A-PPA-41
<PAGE>

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.

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
your voting instructions, we will vote your interest in the same proportion as
represented by the votes we receive from other investors. Shares of the
Metropolitan Fund or Zenith 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:

o The shares for which voting instructions are received, and

o The shares 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.

[GRAPHIC OMITTED]

Who Sells the Deferred Annuities and Income Annuities

All Deferred Annuities and Income Annuities are sold through our licensed sales
representatives. We are registered with the Securities and Exchange Commission
as a broker-dealer under the Securities Exchange Act of 1934. We are also a
member of the National Association of Securities Dealers, Inc. Deferred
Annuities and Income Annuities are also sold through other registered
broker-dealers. They also may be sold through the mail.

The licensed sales representatives and broker-dealers who sell the annuities may
be compensated for these sales by commissions that we pay. There is no front-end
sales load deducted from purchase payments to pay sales commissions. The
Separate Account does not pay sales commissions. The commissions we pay range
from 0% to 6%.

We also make payments to our licensed sales representatives based upon the total
Account Balances of the Deferred Annuities assigned to the sales representative.
Under this compensation program, we pay an amount up to .12% of the total
Account Balances of the Deferred Annuities and other annuity contracts, certain
mutual fund account balances and cash values of certain life insurance policies.
These asset based commissions compensate the sales representative for servicing
the Deferred Annuities. These payments are not made for Income Annuities.

A-PPA-42
<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.

When We Can Cancel Your Deferred Annuity or Income Annuity

We may not cancel your Income Annuity.

We may cancel your Deferred Annuity only if we do not receive any purchase
payments from you for 36 consecutive months and your Account Balance is less
than $2,000. We will only do so to the extent allowed by law. If we do so for a
Deferred Annuity delivered in New York, we will return the full Account Balance.
In all other cases, you will receive an amount equal to what you would have
received if you had requested a total withdrawal of your Account Balance. Early
withdrawal charges may apply.

Income Taxes

The following information on taxes is a general discussion of the subject. It is
not intended as tax advice. The Internal Revenue Code ("Code") is complex and
subject to change regularly. Consult your own tax advisor about your
circumstances, any recent tax developments, and the impact of state income
taxation. The SAI has additional tax information. For purposes of this section,
we address Deferred Annuities and Income Annuities together as annuities. In
addition, because the tax treatment of Income Annuities and the pay-out option
under Deferred Annuities is generally the same, they are discussed together as
income payments.

MetLife does not expect to incur Federal, state or local income taxes on the
earnings or realize 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.

General

Deferred annuities are a means of setting aside money for future needs-usually
retirement. Congress recognizes how important saving for retirement is and has
provided special rules in the Code.

[GRAPHIC OMITTED]

All IRAs receive tax deferral under the Code. Although there are no additional
tax benefits by funding your IRA with an annuity, it does provide you additional
insurance benefits such as an available guaranteed income for life.

We are not responsible for determining if your employer's plan or arrangement
satisfies the requirements of the Code and/or ERISA (the Employee Retirement
Income Security Act of 1974).

- --------------------------------------------------------------------------------
Simply stated, earnings on Deferred Annuities are generally not subject to
Federal income tax until they are withdrawn. This is known as tax deferral.
- --------------------------------------------------------------------------------

A-PPA-43
<PAGE>

Withdrawals

Because these products are intended for retirement, if you make a taxable
withdrawal before age 59 1/2 you may incur a tax penalty.

[GRAPHIC OMITTED]

When money is withdrawn from your Contract (whether by you or your beneficiary),
the amount treated as taxable income differs depending on the type of:

o annuity you purchase (e.g., Non-Qualified or IRA); and

o pay-out option you elect.

We will withold a portion of the amount of your withdrawal for income taxes,
unless you elect otherwise. The amount we withhold is determined by the Code.

If you meet certain requirements, your Roth IRA earnings are free from Federal
income taxes.

Withdrawals Before Age 59 1/2

If you receive a taxable distribution from your Contract before you reach age 59
1/2, this amount may be subject to a 10% penalty tax, in addition to ordinary
income taxes.

As indicated in the chart below, some taxable distributions prior to age 59 1/2
are exempt from the penalty. Some of these exceptions include amounts received:

<TABLE>
<CAPTION>
Type of Contract
-------------------------------------------
Non Trad. Roth Simple
Qualified IRA IRA IRA SEP
--------- --- --- --- ---

<S> <C> <C> <C> <C> <C>
In a series of substantially equal
payments made annually (or more
frequently) for life or life
expectancy (SEPP) x x x x x

After you die x x x x x

After you become totally disabled
(as defined in the Code) x x x x x

To pay deductible medical expenses x x x x

To pay medical insurance premiums if
you are unemployed x x x x

For qualified higher education expenses, or x x x x

For qualified first time home purchases
up to $10,000 x x x x

After December 31, 1999 for IRS levies x x x x
</TABLE>

* For SIMPLE IRA's the tax penalty for early withdrawals is generally increased
to 25% for withdrawals within the first two years of your participation in the
SIMPLE IRA.

A-PPA-44
<PAGE>

Systematic Withdrawal Program for Substantially Equal Periodic Payments (SEPP)

If you are considering using the Systematic Withdrawal Program for the purpose
of meeting the SEPP exception to the 10% tax penalty, consult with your tax
advisor.

If you receive systematic payments that you intend to qualify for the SEPP
exception, any modifications to your payment before age 59 1/2 or within five
years after beginning Systematic Withdrawal Program payments will result in the
retroactive imposition of the 10% penalty with interest.

Minimum Distribution Requirements

As the table shows, under some contracts, generally you must begin receiving
withdrawals by April 1 of the calendar year following the year in which you
reach age 70 1/2.

A tax penalty of 50% applies to withdrawals which should have been taken but
were not. Complex rules apply to the timing and calculation of these
withdrawals.

Type of Contract
-------------------------------------------
Non- Trad. Roth Simple
Qualified IRA IRA IRA SEP
--------- --- --- --- ---
70 1/2 Minimum
distribution no yes no yes yes
rules apply

Non-Qualified Annuities

o Contributions to Non-Qualified contracts are on an "after-tax" basis, so
you only pay income taxes on your earnings. Generally, these earnings are
taxed when you receive them from the contract.

o Your Non-Qualified contract may be exchanged for another Non-Qualified
annuity without paying income taxes if certain Code requirements are met.

o When a non-natural person owns a Non-Qualified contract, the annuity will
generally not be treated as an annuity for tax purposes and thus loses the
benefit of tax deferral. Corporations and certain other entities are
generally considered non-natural persons. However, an annuity owned by a
non-natural person as agent for an individual will be treated as an
annuity for tax purposes.

o Annuities issued after October 21, 1988 by the same insurance company or
an affiliate in the same year are combined for tax purposes. As a result,
a greater portion of your withdrawals may be considered taxable income
than you would otherwise expect.

- --------------------------------------------------------------------------------
You may combine the money required to be withdrawn from each of your Traditional
IRAs and withdraw this amount from any one or more of them.

After-tax means that your purchase payments for your annuity do not reduce your
taxable income or give you a tax deduction.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

A-PPA-45
<PAGE>

Diversification

In order for your Non-Qualified Contract to be considered an annuity contract
for Federal income tax purposes, we must comply with certain diversification
standards with respect to the investments underlying the Contract. We believe
that we satisfy and will continue to satisfy these diversification standards.
Inadvertent failure to meet these standards may be correctable. Failure to meet
these standards would result in immediate taxation to Contract owners of gains
under their Contract.

Changes to tax rules and interpretations

Changes in applicable tax rules and interpretations can adversely affect the tax
treatment of your Contract. These changes may take effect retroactively.
Examples of changes that could create adverse tax consequences include:

o Possible taxation of transfers between investment divisions.

o Possible taxation as if you were the owner of your portion of the Separate
Account's assets.

o Possible limits on the number of funding options available or the
frequency of transfers among them.

In those limited situations where the annuity is beneficially owned by a
non-natural person and the annuity qualifies as such for Federal income tax
purposes, the entity may have a limited ability to deduct interest or, in the
case of an insurance company, to deduct insurance reserves or incurred losses.

Purchase Payments

Although the Code does not limit the amount of your purchase payments, your
Contract may limit them.

Withdrawals

Generally, when you make a withdrawal from your non-qualified annuity, the Code
treats such a withdrawal as:

o First coming from earnings (and thus subject to income tax); and

o Then from your purchase payments (which are not subject to income tax).

o This rule does not apply to payments made pursuant to an income pay-out
option under your Contract

Different tax rules apply to payments made pursuant to an income annuity pay-out
option under your Contract. They are subject to an "exclusion ratio" or
"excludable amount" which determines how much of each payment is treated as:

A-PPA-46
<PAGE>

o A non-taxable return of your purchase payments; and

o A taxable payment of earnings.

If you choose an income annuity payout option we generally will tell you how
much of each income payment is a non-taxable return of purchase payments.
Generally, once the total amount treated as a non-taxable return of your
purchase payments equals your purchase payments (reduced by any refund or
guarantee feature as required under Federal tax law), then all remaining income
payments are fully taxable.

Under the Code, withdrawals from Non-Qualified annuities need not be made by a
particular age. However, it is possible that the Internal Revenue Service may
determine that you must take a lump sum withdrawal or elect to receive income
payments by a certain age (e.g., 85).

After Death

If you die before payments under an income annuity begin, we must make payment
of your entire interest in the contract within five years of your death or begin
payments under an income annuity allowed by the Code to your beneficiary within
one year of your death. If your spouse is your beneficiary, he or she may elect
to continue as "owner" of the Contract.

If you die after income payments begin, payments must continue to be made at
least as rapidly as before your death in accordance with the income type
selected.

If you die before all purchase payments are returned, the unreturned amount may
be deductible on your final income tax return or excluded from income by your
beneficiary if income payments continue after your death.

Individual Retirement Annuities

[Traditional IRA, Roth IRA, SIMPLE IRAs and SEPs]

Generally, except for Roth IRAs, IRAs can accept deductible (or pre-tax)
purchase payments. Deductible or pre-tax purchase payments will be taxed when
distributed from the Contract.

o Your annuity is generally not forfeitable (e.g. not subject to claims of
your creditors) and you may not transfer it to someone else.

o You can transfer your IRA proceeds to a similar IRA, (or a SIMPLE IRA to a
Traditional IRA after two years), without incurring Federal income taxes
if certain conditions are satisfied.

- --------------------------------------------------------------------------------
If you die during the accumulation phase of a Deferred Annuity and your spouse
is your beneficiary or a co-owner he or she may elect to continue as "owner" of
the Contract.

Your total annual purchase payments to all your Traditional and Roth IRAs may
not exceed the lesser of $2,000 or 100% of your compensation.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

A-PPA-47
<PAGE>

Traditional IRA Annuities

Purchase Payments

Generally:

o Purchase payments to Traditional and Roth IRAs are limited to the lesser
of 100% of compensation or $2,000 per year. A $2,000 purchase payment can
also be made for a non-working spouse provided the couple's compensation
is at least equal to their aggregate contributions.

o Purchase payments in excess of this amount may be subject to a penalty
tax.

o Purchase payments are generally permitted up to age 70 1/2.

o These age and dollar limits do not apply to tax-free rollovers or
transfers.

o If certain conditions are met, you can change your Traditional IRA
purchase payment to a Roth IRA before you file your income tax return
(including filing extensions).

Withdrawals

Withdrawals are included in income except for the portion that represents a
return of non-deductible purchase payments. This portion is determined based on
a ratio of all non-deductible purchase payments to the total values of all your
IRAs.

After Death

Generally, if you die before required minimum distribution withdrawals have
begun, we must make payment of your entire interest within five years after the
year of your death or begin income payments under an income annuity allowed by
the Code to your beneficiary by December 31st of the year after your death.

If your spouse is your beneficiary, and, if your Contract permits, your spouse
may delay the start of income payments until December 31 of the year in which
you would have reached age 70 1/2.

If you die after required withdrawals begin, payments must continue at least as
rapidly as under the distribution method in effect at your death.

Roth IRA Annuities

General

Roth IRAs are different from other IRAs because you have the opportunity to
enjoy tax-free earnings. However, you can only make after-tax purchase payments
to a Roth IRA.

- --------------------------------------------------------------------------------
In some cases, your purchase payments may be tax deductible.

If your spouse is your beneficiary and if your Contract permits, he or she may
elect to continue as "owner" of the Contract.
- --------------------------------------------------------------------------------

A-PPA-48
<PAGE>

Purchase Payments

Roth IRA purchase payments are non-deductible and are limited to the lesser of
100% of compensation or $2,000 per year. You may contribute up to the annual
purchase payment limit in 2000 if your modified adjusted gross income does not
exceed $95,000 ($150,000 for married couples filing jointly). Purchase payment
limits are phased out if your income is between:

Status Income
---------- -----------
Individual $95,000--$110,000
Married filing jointly $150,000--$160,000
Married filing separately $0--$10,000

o Annual purchase payments limits do not apply to a rollover from a Roth IRA
to another Roth IRA or a conversion from a Traditional IRA to a Roth IRA.

o You can contribute to a Roth IRA after age 70 1/2.

o If you exceed the purchase payment limits you may be subject to a tax
penalty.

o If certain conditions are met, you can change your Roth IRA contribution
to a Traditional IRA before you file your income return (including filing
extensions).

Withdrawals

Generally, withdrawals of earnings from Roth IRAs are free from Federal income
tax if they meet the following two requirements:

o The withdrawal is made:

o At least five taxable years after your first purchase payment to a Roth
IRA, and

[GRAPHIC OMITTED]

o The withdrawal is made:

o When you reach age 59 1/2;

o Upon your death or disability; or

o For a qualified first-time home purchase (up to $10,000).

Withdrawals of earnings which do not meet these requirements are taxable and a
10% penalty tax may apply if made before age 59 1/2.

Withdrawals from a Roth IRA are made first from purchase payments and then from
earnings. Generally, you do not pay income tax on withdrawals of purchase
payments. However, withdrawals of taxable converted amounts prior to age 59 1/2
will be subject to the 10% penalty tax (unless you meet an exception) if made
within 5 taxable years of such conversion.

In addition, if you withdraw converted money in 1998, 1999 or 2000 which
received the special four year income inclusion treatment discussed later,

- --------------------------------------------------------------------------------
Annual purchase payments to your IRAs, including Roth IRAs, may not exceed the
lesser of $2,000 or 100% of your "compensation" as defined by the Code, except
for "spousal" IRAs.
- --------------------------------------------------------------------------------

A-PPA-49
<PAGE>

the withdrawal will be included in income in the year of the withdrawal (in
addition to the amounts to be included under the four year income inclusion
election). The total aggregate amount to be included in income shall not exceed
the total taxable amount of the conversion.

The order in which money is withdrawn from a Roth IRA is as follows:

(All Roth IRAs owned by a taxpayer are combined for withdrawal purposes.)

o The first money withdrawn is any annual (non-conversion/rollover)
contributions to the Roth IRA. These are received tax and penalty free.

o The next money withdrawn is from conversion/rollover contributions from a
non-Roth IRA, on a first-in, first-out basis. For these purposes,
distributions are treated as coming first from the taxable portion of the
conversion/rollover contribution. As previously discussed, depending upon
when it occurs, withdrawals of taxable converted amounts may be subject to
a penalty tax, or result in the acceleration of inclusion of income.

o The next money withdrawn is from earnings in the Roth IRA. This is
received tax-free if it meets the requirements previously discussed,
otherwise it is subject to Federal income tax and an additional 10%
penalty tax may apply if you are under age 59 1/2.

Conversion

You may convert/rollover an existing IRA to a Roth IRA if your adjusted gross
income does not exceed $100,000 in the year you convert.

Except to the extent you have non-deductible IRA contributions, the amount
converted from an existing IRA into a Roth IRA is taxable. Generally, the 10%
early withdrawal penalty does not apply to conversions/rollovers. (See exception
discussed previously.) For conversions that occurred in 1998, you could have
elected to include the taxable amount in income over a four year period
beginning in 1998.

Unless you elect otherwise, amounts converted from a Traditional IRA to a Roth
IRA will be subject to income tax withholding. The amount withheld is determined
by the Code.

If you mistakenly convert or otherwise wish to change your Roth IRA contribution
to a Traditional IRA contribution, the tax law now allows you to reverse your
conversion provided you do so before you file your tax return for the year of
the contribution and if certain conditions are met.

After Death

Generally, when you die we must make payment of your entire interest within five
years after the year of your death or begin income payments under an income
annuity allowed by the Code to your beneficiary by December 31st of the year
after your death.

If your spouse is your beneficiary and if your Contract permits, he or she may
elect to continue as "owner" of the Contract.

- --------------------------------------------------------------------------------
If you are married but file separately, you may not convert an existing IRA into
a Roth IRA.
- --------------------------------------------------------------------------------

A-PPA-50
<PAGE>

Table of Contents for the Statement of Additional Information

Page

Cover Page..................................................................1

Table of Contents...........................................................1

Independent Auditors........................................................2

Services ...................................................................2

Distribution of Certificates and Interests in the
Deferred Annuities and Income Annuities...............................2

Early Withdrawal Charge.....................................................2

Experience Factor...........................................................2

Variable Income Payments....................................................2

Investment Management Fees..................................................5

Performance Data and Advertisement of
the Separate Account..................................................6

Voting Rights...............................................................8

ERISA ......................................................................9

Taxes .....................................................................10

Performance Data...........................................................24

Financial Statements of the Separate Account...............................35

Financial Statements of MetLife............................................63

[GRAPHIC OMITTED]

A-PPA-51
<PAGE>

[GRAPHIC OMITTED]

Appendix

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
Deferred Annuity or Income Annuity.

Non-Qualified IRA, SIMPLE IRA
Deferred Annuities and SEP Deferred
and Income Annuities and
Annuities Income Annuities(1)

California............ 2.35% 0.5%(2)

Maine................. 2.0% --

Nevada................ 3.5% --

Puerto Rico........... 1.0% 1.0%

South Dakota.......... 1.25% --

U.S. Virgin Islands... 5.0% 5.0%

West Virginia......... 1.0% 1.0%

Wyoming............... 1.0% --

- ----------
(1) Premium tax rates applicable to IRA, SIMPLE IRA and SEP Deferred Annuities
and Income Annuities purchased for use in connection with individual
retirement trust or custodial accounts meeting the requirements of Section
408(a) of the Code are included under the column heading "IRA, SIMPLE IRA
and SEP Deferred Annuities and Income Annuities."

(2) With respect to Deferred Annuities and Income Annuities purchased for use
in connection with individual retirement trust or custodial accounts
meeting the requirements of Section 408(a) of the Code, the annuity tax
rate in California is 2.35% instead of 0.5%.

PEANUTS(Copyright) United Feature Syndicate, Inc.

(Copyright) 2000 Metropolitan Life Insurance Company

A-PPA-52
<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
Attn: Brian Mack
Investment & Income Center, 4th Floor
485E US Highway 1 South
Iselin, NJ 08830
<PAGE>

MetLife(Registered) -----------------
PRSRT STD
Metropolitan Life Insurance Company U.S. Postage Paid
Johnstown Office, 500 Schoolhouse Road METLIFE
Johnstown, PA 15904-2914 -----------------

Address Service Requested

<PAGE>

-----------
May 1, 2000
-----------

Preference Plus(Registered) Account Variable Annuity Contracts
Issued by Metropolitan Life Insurance Company

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

You decide how to allocate your money among the various available investment
choices. The investment choices available to you are listed in the contract for
your Deferred Annuity or Income Annuity. Your choices may include the Fixed
Interest Account (not described in this Prospectus) and investment divisions
available through Metropolitan Life Separate Account E which, in turn, invest in
the following corresponding portfolios of the Metropolitan Series Fund, Inc.
("Metropolitan Fund") and series of the New England Zenith Fund ("Zenith Fund")
and a portfolio of the Calvert Variable Series, Inc. ("Calvert Fund"). For your
convenience, both the portfolios and the series are referred to as Portfolios in
this Prospectus.

Lehman Brothers Aggregate Bond Index Neuberger Berman Partners Mid
State Street Research Income Cap Value
State Street Research Diversified Janus Mid Cap
Calvert Social Balanced State Street Research Aggressive
MetLife Stock Index Growth
Harris Oakmark Large Cap Value Loomis Sayles High Yield Bond
T. Rowe Price Large Cap Growth Russell 2000(Registered) Index
State Street Research Growth T. Rowe Price Small Cap Growth
Davis Venture Value Loomis Sayles Small Cap
Putnam Large Cap Growth State Street Research Aurora
MetLife Mid Cap Stock Index Small Cap Value
Scudder Global Equity
Morgan Stanley EAFE(Registered) Index
Putnam International Stock (formerly
Santander International Stock)

How to learn more:

Before investing, read this Prospectus. The Prospectus contains information
about the Deferred Annuities, Income Annuities and Metropolitan Life Separate
Account E, which you should know before investing. 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 B-PPA-52 of this Prospectus. To request a
free copy of the SAI or to ask questions, write or call:

Metropolitan Life Insurance Company
Investment & Income Center, 4th Floor
485 E US Highway 1 South [GRAPHIC OMITTED]
Iselin, NJ 08830
Attention: Brian Mack
Phone: (800) 553-4459

The current Metropolitan Fund and Zenith Fund prospectuses and, if applicable,
the Calvert Fund prospectus are attached to the back of this prospectus. You
should also read these prospectuses carefully before purchasing a Deferred
Annuity or Income Annuity. This Prospectus is not valid unless attached to
Metropolitan Fund, Zenith Fund and, if applicable, Calvert Fund prospectuses.

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

Deferred Annuities Available:

o TSA

o PEDC

o Keogh

o 403(a)

Income Annuities Available:

o TSA

o PEDC

o Keogh

o 403(a)

A word about investment risk:

An investment in any of these variable annuities involves investment risk. You
could lose money you invest. 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 ................................. B-PPA-4

Table of Expenses ............................................... B-PPA-6

Accumulation Unit Values Table .................................. B-PPA-10

MetLife ......................................................... B-PPA-16

Metropolitan Life Separate Account E ............................ B-PPA-16

Variable Annuities .............................................. B-PPA-17

A Deferred Annuity .......................................... B-PPA-17

An Income Annuity ........................................... B-PPA-17

Your Investment Choices ......................................... B-PPA-18

Deferred Annuities .............................................. B-PPA-20

The Deferred Annuity and Your Retirement Plan ............... B-PPA-20

Automated Investment Strategies ............................. B-PPA-21

Purchase Payments ........................................... B-PPA-22

Allocation of Purchase Payments ........................... B-PPA-22

Limits on Purchase Payments ............................... B-PPA-23

The Value of Your Investment ................................ B-PPA-23

Transfers ................................................... B-PPA-24

Access to Your Money ........................................ B-PPA-25

Systematic Withdrawal Program for TSA
Deferred Annuities ........................................ B-PPA-25

Minimum Distribution ...................................... B-PPA-27

Contract Fee ................................................ B-PPA-27

Charges ..................................................... B-PPA-27

Insurance-Related Charge .................................. B-PPA-27

Investment-Related Charge ................................. B-PPA-28

Premium Taxes ............................................... B-PPA-28

Early Withdrawal Charges .................................... B-PPA-28

When No Early Withdrawal Charge Applies ................... B-PPA-29

When Another Early Withdrawal Charge May Apply ............ B-PPA-32

Free Look ................................................... B-PPA-33

Death Benefit ............................................... B-PPA-33

Pay-out Options (or Income Options) ......................... B-PPA-34

Income Annuities ................................................ B-PPA-35

Income Payment Types ........................................ B-PPA-35

Allocation .................................................. B-PPA-37

B-PPA-2
<PAGE>

Minimum Size of Your Income Payment .......................... B-PPA-37

The Value of Your Income Payments ............................ B-PPA-37

Transfers .................................................... B-PPA-38

Contract Fee ................................................. B-PPA-39

Charges ...................................................... B-PPA-39

Insurance-Related Charge ................................... B-PPA-39

Investment-Related Charge .................................. B-PPA-39

Premium Taxes ................................................ B-PPA-40

Free Look .................................................... B-PPA-40

General Information .............................................. B-PPA-40

Administration ............................................... B-PPA-40

Purchase Payments .......................................... B-PPA-40

Confirming Transactions .................................... B-PPA-41

Processing Transactions .................................... B-PPA-41

By Telephone or Internet ................................. B-PPA-41

After Your Death ......................................... B-PPA-42

Third Party Requests ..................................... B-PPA-42

Valuation .................................................. B-PPA-42

Advertising Performance ...................................... B-PPA-43

Changes to Your Deferred Annuity or Income Annuity ........... B-PPA-44

Voting Rights ................................................ B-PPA-44

Who Sells the Deferred Annuities and Income Annuities ........ B-PPA-45

Financial Statements ......................................... B-PPA-46

Your Spouse's Rights ......................................... B-PPA-46

When We Can Cancel Your Deferred Annuity or
Income Annuity ............................................... B-PPA-47

Income Taxes ..................................................... B-PPA-47

Table of Contents of the Statement of Additional
Information ...................................................... B-PPA-52

Appendix for Premium Tax Table ................................... B-PPA-53

Appendix II for Texas Optional Retirement Program ................ B-PPA-54

MetLife does not intend to offer the Deferred Annuities or Income Annuities
anywhere they may not lawfully be offered and sold. MetLife has not authorized
any information or representations about the Deferred Annuities or Income
Annuities other than the information in this Prospectus, any attached
prospectuses or supplements to the prospectuses or any supplemental sales
material we authorize.

B-PPA-3
<PAGE>

[GRAPHIC OMITTED]

Important Terms You Should Know

Account Balance

Accumulation Unit Value

Annuity Unit Value

Assumed Investment Return (AIR)

Contract

Contract Year

Generally, the Contract Year for a Deferred Annuity is the period ending on the
last day of the month in which the anniversary of when we issued the annuity
occurs and each following 12 month period. However, depending on underwriting
and plan requirements, the first Contract Year may range from the initial three
to 15 months after the Deferred Annuity is issued.

B-PPA-4
<PAGE>

Early Withdrawal Charge

Investment Division

MetLife

Metropolitan Life Insurance Company is the company that issues the Deferred
Annuities and Income Annuities. Throughout this Prospectus, MetLife is also
referred to as "we," "us" or "our."

MetLife Designated Office

The MetLife Designated Office is the MetLife office that will generally handle
the processing of all your requests concerning your Deferred Annuity or Income
Annuity. MetLife will notify you and provide you with the address of your
MetLife Designated Office.

Separate Account

Variable Annuity

You

In this Prospectus, depending on the context, "you" may mean either the
purchaser of the Deferred Annuity or Income Annuity, or, the participant or
annuitant for whom money is invested under certain group arrangements. In cases
where we are referring to giving instructions or making payments to us for PEDC
contracts, "you" means the trustee. For Keogh contracts, "you" means the trustee
of the Keogh plan. Under PEDC or Keogh plans where the participant or annuitant
is allowed to choose among investment choices, "you" means the participant or
annuitant who is giving us instructions about the investment choices.

B-PPA-5
<PAGE>

The following table shows the Separate Account, Metropolitan Fund, Zenith Fund
and Calvert Fund charges and expenses. The numbers in the table for the Separate
Account, the Zenith Fund, the Calvert Fund and all Divisions of the Metropolitan
Fund except the Portfolios to be introduced on or about July 5, 2000 are based
on past experience. The numbers for the Portfolios to be introduced on or about
July 5, 2000 are estimates for the current year. The numbers in the table are
subject to change. The table is not intended to show your actual total combined
expenses of the Separate Account, Metropolitan Fund, Zenith Fund and Calvert
Fund which may be higher or lower. It does not show fees for the Fixed Interest
Account or premium taxes which may apply. We have provided examples to show you
the impact of Separate Account, Metropolitan Fund, Zenith Fund and Calvert Fund
charges and expenses on a hypothetical investment of $1,000 that has an assumed
5% annual return on the investment.

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

Separate Account, Metropolitan Fund, Zenith Fund and Calvert Fund expenses for
the fiscal year ending December 31, 1999:

Contract Owner Transaction Expenses For All Investment Divisions Currently
Offered

Sales Load Imposed on Purchases ............................ None

Deferred Sales Load (as a percentage of the purchase payment
funding the withdrawal during the accumulation period) (1) From 0% to 7%

Exchange Fee ............................................... None

Surrender Fee .............................................. None

Annual Contract Fee (2) ....................................... None

Separate Account Annual Expenses (as a percentage of average
account value) (3)

General Administrative Expenses Charge ..................... .50%

Mortality and Expense Risk Charge .......................... .75%

Total Separate Account Annual Expenses ..................... 1.25%

Metropolitan Fund Annual Expenses (as a percentage of average net assets)

<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>
Lehman Brothers Aggregate Bond Index Portfolio (8) ...... .25 .15 .40 .15 .40
State Street Research Income Portfolio (4)(5) ........... .32 .06 .38 .06 .38
State Street Research Diversified Portfolio (4)(5)(6) ... .43 .03 .46 .02 .45
MetLife Stock Index Portfolio (4) ....................... .25 .04 .29 .04 .29
Harris Oakmark Large Cap Value Portfolio (5)(7)(8) ...... .75 .40 1.15 .19 .94
T. Rowe Price Large Cap Growth Portfolio (5)(6)(8) ...... .69 .62 1.31 .24 .93
State Street Research Growth Portfolio (4)(5) ........... .47 .04 .51 .02 .49
Putnam Large Cap Growth Portfolio (11)(12) .............. .80 .59 1.39 .20 1.00
MetLife Mid Cap Stock Index Portfolio (11)(12) .......... .25 .65 .90 .20 .45
Neuberger Berman Partners Mid Cap Value Portfolio
(5)(6)(8) ................................... .70 .48 1.18 .06 .76
Janus Mid Cap Portfolio (5)(7) .......................... .67 .04 .71 .04 .71
State Street Research Aggressive Growth Portfolio
(4)(5)(6) ............................................. .70 .04 .74 .02 .72
Loomis Sayles High Yield Bond Portfolio (7) ............. .70 .24 .94 .24 .94
Russell 2000(Registered) Index Portfolio (8)(9) ......... .25 .64 .89 .30 .55
T. Rowe Price Small Cap Growth Portfolio (5)(7) ......... .52 .09 .61 .09 .61
------------------------------
</TABLE>

B-PPA-6
<PAGE>

TABLE OF EXPENSES (continued)

Metropolitan Fund Annual Expenses
(as a percentage of average net assets) (continued)

Zenith Fund Annual Expenses
(as a percentage of average net assets)

Loomis Sayles Small Cap Series (11)(13)(14) ............ .90 .10 1.00 .10 1.00
------------------------------
</TABLE>

Calvert Fund Annual Expenses
(as a percentage of average net assets)

Example

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- -----------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Division ....... $ 80 $ 97 $117 $197
State Street Research Income Division ............... 79 96 116 194
State Street Research Diversified Division .......... 80 99 120 204
Calvert Social Balanced Division .................... 85 112 143 249
MetLife Stock Index Division ........................ 79 93 111 184
Harris Oakmark Large Cap Value Division ............. 87 120 156 276
T. Rowe Price Large Cap Growth Division ............. 89 125 164 292
State Street Research Growth Division ............... 81 100 122 208
Davis Venture Value Division ........................ 84 110 138 241
Putnam Large Cap Growth Division .................... 86 116 148 261
MetLife Mid Cap Stock Index Division ................ 80 98 119 202
Neuberger Berman Partners Mid Cap Value Division .... 88 121 158 279
Janus Mid Cap Division .............................. 83 107 133 230
State Street Research Aggressive Growth Division .... 83 107 135 233
Loomis Sayles High Yield Bond Division .............. 85 114 145 254
Russell 2000(Registered) Index Division ............. 85 112 143 249
T. Rowe Price Small Cap Growth Division ............. 82 104 128 220
Loomis Sayles Small Cap Division .................... 86 115 148 261
State Street Research Aurora Small Cap Value Division 86 117 151 266
Scudder Global Equity Division ...................... 85 112 141 247
Morgan Stanley EAFE(Registered) Index Division ...... 94 139 187 337
Putnam International Stock Division ................. 87 119 155 273
</TABLE>

B-PPA-7
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES (continued)
- --------------------------------------------------------------------------------

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- -----------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Division ....... $ 17 $ 52 $ 90 $197
State Street Research Income Division ............... 17 52 89 194
State Street Research Diversified Division .......... 18 54 94 204
Calvert Social Balanced Division .................... 22 68 116 249
MetLife Stock Index Division ........................ 16 49 84 184
Harris Oakmark Large Cap Value Division ............. 25 76 129 276
T. Rowe Price Large Cap Growth Division ............. 26 81 138 292
State Street Research Growth Division ............... 18 56 96 208
Davis Venture Value Division ........................ 21 65 112 241
Putnam Large Cap Growth Division .................... 23 71 122 261
MetLife Mid Cap Stock Index Division ................ 17 54 93 202
Neuberger Berman Partners Mid Cap Value Division .... 25 77 131 279
Janus Mid Cap Division .............................. 20 62 107 230
State Street Research Aggressive Growth Division .... 20 63 108 233
Loomis Sayles High Yield Bond Division .............. 22 69 119 254
Russell 2000(Registered) Index Division ............. 22 68 116 249
T. Rowe Price Small Cap Growth Division ............. 19 59 102 220
Loomis Sayles Small Cap Division .................... 21 71 122 261
State Street Research Aurora Small Cap Value Division 24 73 124 266
Scudder Global Equity Division ...................... 22 67 115 247
Morgan Stanley EAFE(Registered) Index Division ...... 31 95 161 337
Putnam International Stock Division ................. 24 75 128 273
</TABLE>

(1) There are times when the early withdrawal charge does not apply to amounts
that are withdrawn from a Deferred Annuity. Each Contract Year you may
take the greater of 10% (20% under certain Deferred Annuities) of your
Account Balance or your purchase payments made over 7 years ago free of
early withdrawal charges.

B-PPA-8
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES (continued)
- --------------------------------------------------------------------------------

(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 Reimbursements"
reflect this reduction. The effect of the reduction is that performance
results are increased.

(8) These Portfolios began operating on November 9, 1998. We pay all Expenses
in excess of .20% (.25% for the Morgan Stanley EAFE(Registered) Index
Portfolio) of the average net assets for each of the Portfolios until each
Portfolio's total assets reach $100 million, or until November 8, 2000,
whichever comes first. MetLife ceased subsidizing such Expenses for Lehman
Brothers Aggregate Bond Index and Russell 2000(Registered) Index
Portfolios on July 13, 1999 and December 3, 1999, respectively. All
expense information for the Lehman Brothers Aggregate Bond Index which we
ceased subsidizing reflects current expenses without any reimbursement.
The "Other Expenses Before Reimbursement" for Harris Oakmark Large Cap
Value, T. Rowe Price Large Cap Growth and Neuburger Berman Partners Mid
Cap Value Porfolios 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 reimbursement is that performance results are
increased.

(9) MetLife ceased subsidizing Expenses in excess of .20% of the average net
assets of the Russell 2000(Registered) Index Portfolio on December 3,
1999. Beginning on February 22, 2000, MetLife began to pay all Expenses in
excess of .30% of the average net assets for the Russell 2000(Registered)
Index Portfolio until the Portfolio's assets reach $200 million, or until
April 30, 2001, whichever comes first. The "Other Expenses Before
Reimbursement" information for this Portfolio assumes no reduction of
expenses of any kind. The "Other Expenses After Reimbursement" for this
Portfolio reflects expenses as if the Expense reimbursement will be in
effect for the entire current year.

(10) MetLife will pay Expenses in excess of .25% of the average net assets for
the Morgan Stanley EAFE(Registered) Index Portfolio until the Portfolio's
total assets reach $100 million, or until November 8, 2000, whichever
comes first. After such date, MetLife will continue to pay all Expenses in
excess of .40% of the Portfolio's average net assets until the Portfolio's
total assets reach $200 million, or until April 30, 2001, whichever comes
first. The "Other Expenses Before Reimbursement" information for this
Portfolio assumes no reduction of expenses of any kind. The "Other
Expenses After Reimbursement" for this Portfolio reflects our estimate of
the effect of the combined reimbursement expected for the current year.
The effect of all such reimbursements is that the performance results are
increased.

(11) Subject to state approval, these Portfolios will become available under
the Deferred Annuities and Income Annuities on or about July 5, 2000.

(12) MetLife Midcap Stock Index and State Street Research Aurora Small Cap
Value Portfolios will begin operating on or about July 5, 2000. Putnam
Large Cap Growth Portfolio will begin operating on May 1, 2000 but will
become available under the Deferred Annuities and Income Annuities on or
about July 5, 2000. We will pay all Expenses in excess of .20% of the
average net assets for each of these Portfolios until each Porfolio's
total assets reach $100 million, or July 4, 2002, whichever comes first.
The expense information shows estimates for first year expenses.

(13) New England Investment Management, Inc. ("NEIM") pays us for providing
administrative services. You do not bear these fees. NEIM absorbs the fees
payable to MetLife.

(14) NEIM pays all expenses other than brokerage costs, interest, taxes or
other extraordinary expenses, in excess of 1.00% of the average net assets
for this Portfolio. The 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 Zenith Fund.

(15) The Portfolio has an offset expense arrangement with its custodian bank
whereby the custodian's and transfer agent's fees may be paid indirectly
by credits earned on the Portfolio's uninvested cash balances. These
credits are used to reduce the Portfolio's expenses.

(16) These examples assume no reimbursement of Expenses were in effect.
Therefore, these numbers reflect the highest amount you would pay on a
$1,000 investment division based on 1999 asset levels.

(17) This example assumes no early withdrawal charges are applicable. In order
to make this assumption for a pay-out option under your Deferred Annuity,
we also assumed that you selected an income payment type under which you
will receive payments over your lifetime or for a period of at least five
full years.

B-PPA-9
<PAGE>

<TABLE>
<CAPTION>
- --------------------------------------------------------------------------------------------------------------------------------
NUMBER OF
BEGINNING OF YEAR END OF YEAR ACCUMULATION
ACCUMULATION ACCUMULATION UNITS END OF YEAR
PREFERENCE PLUS DEFERRED ANNUITIES YEAR UNIT VALUE UNIT VALUE (IN THOUSANDS)
- --------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
[LINE CHART]

Lehman Brothers Aggregate Bond Index Division ............... 1999 $ 10.12 $ 9.86 7,735
1998 10.00(e) 10.12 793

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
State Street Research Income Division ....................... 1999 19.33 18.65 18,535
1998 17.89 19.33 20,060
1997 16.49 17.89 16,307
1996 16.12 16.49 16,604
1995 13.65 16.12 15,252
1994 14.27 13.65 13,923
1993 12.98 14.27 14,631
1992 12.29 12.98 5,918
1991 10.60 12.29 1,210
1990 10.00(a) 10.60 32
</TABLE>

[GRAPHIC OMITTED]

B-PPA-10
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
State Street Research Diversified Division .................. 1999 $27.05 $29.04 75,126
1998 22.89 27.05 73,897
1997 19.22 22.89 62,604
1996 17.00 19.22 52,053
1995 13.55 17.00 42,712
1994 14.15 13.55 40,962
1993 12.70 14.15 31,808
1992 11.75 12.70 7,375
1991 9.52 11.75 1,080
1990 10.00(a) 9.52 44

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
Calvert Social Balanced Division ............................ 1999 25.45 28.21 1,453
1998 22.16 25.45 1,367
1997 18.68 22.16 1,181
1996 16.80 18.68 995
1995 13.11 16.80 787
1994 13.71 13.11 630
1993 12.86 13.71 473
1992 12.10 12.86 239
1991 10.58 12.10 63
1990 10.00(b) 10.58 0
</TABLE>

B-PPA-11
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
MetLife Stock Index Division ................................ 1999 $37.08 $44.24 79,702
1998 29.28 37.08 71,204
1997 22.43 29.28 58,817
1996 18.52 22.43 43,141
1995 13.70 18.52 29,883
1994 13.71 13.70 23,458
1993 12.67 13.71 18,202
1992 11.94 12.67 8,150
1991 9.32 11.94 1,666
1990 10.00(a) 9.32 55
[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
Harris Oakmark Large Cap Value Division ..................... 1999 9.71 8.93 3,631
1998 10.00(e) 9.71 386

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
T. Rowe Price Large Cap Growth Division ..................... 1999 11.01 13.29 3,394
1998 10.00(e) 11.01 407
</TABLE>

B-PPA-12
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
State Street Research Growth Division ....................... 1999 $34.30 $40.14 64,026
1998 27.10 34.30 64,053
1997 21.37 27.10 60,102
1996 17.71 21.37 49,644
1995 13.47 17.71 38,047
1994 14.10 13.47 32,563
1993 12.48 14.10 24,608
1992 11.32 12.48 9,432
1991 8.61 11.32 2,824
1990 10.00(a) 8.61 178
[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
Neuberger Berman Partners Mid Cap Value Division ............ 1999 10.73 12.46 2,438
1998 10.00(e) 10.73 297

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
Janus Mid Cap Division ...................................... 1999 17.19 37.86 44,078
1998 12.69 17.19 19,031
1997 10.00(c) 12.69 7,417
</TABLE>

B-PPA-13
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
State Street Research Aggressive Growth Division ............ 1999 $28.12 $37.01 31,947
1998 25.05 28.12 38,975
1997 23.77 25.05 43,359
1996 22.35 23.77 43,962
1995 17.47 22.35 33,899
1994 18.03 17.47 26,890
1993 14.89 18.03 17,094
1992 13.66 14.89 5,747
1991 8.31 13.66 1,060
1990 10.00(a) 8.31 49

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
Loomis Sayles High Yield Bond Division ...................... 1999 9.60 11.17 4,708
1998 10.51 9.60 3,882
1997 10.00(c) 10.51 2,375

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
Russell(Registered) 2000 Index Division ..................... 1999 10.53 12.76 5,395
1998 10.00(e) 10.53 598

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
T. Rowe Price Small Cap Growth Division ..................... 1999 12.02 15.19 14,007
1998 11.76 12.02 13,119
1997 10.00(c) 11.76 6,932
</TABLE>

B-PPA-14
<PAGE>

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
Scudder Global Equity Division .............................. 1999 $12.43 $15.36 9,323
1998 10.85 12.43 7,712
1997 10.00(c) 10.85 4,826

[LINE CHART]

Morgan Stanley EAFE(Registered) Index Division .............. 1999 10.79 13.31 3,869
1998 10.00(e) 10.79 342

[LINE CHART]

<CAPTION>
<S> <C> <C> <C> <C>
Putnam International Stock Division ......................... 1999 16.07 18.49 13,052
1998 13.28 16.07 14,330
1997 13.77 13.28 15,865
1996 14.19 13.77 17,780
1995 14.25 14.19 17,553
1994 13.74 14.25 16,674
1993 9.41 13.74 6,921
1992 10.61 9.41 966
1991 10.00(d) 10.61 92
</TABLE>

(a) Inception Date July 2, 1990.

(b) Inception Date September 17, 1990.

(d) Inception Date July 1, 1991.

(e) Inception Date November 9, 1998.

B-PPA-15
<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 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
with over 33 million employees and members.

Metropolitan Life Separate Account E

B-PPA-16
<PAGE>

Variable Annuities

A Deferred Annuity

You accumulate money in your account during the pay-in phase by making one or
more purchase payments. MetLife will hold your money and credit any investment
returns as long as the money remains in your account.

The pay-out phase begins when you either take all of your money out of the
account or elect to have us pay you "income" payments using the money in your
account. The number and the amount of the income payments you receive will
depend on such things as the type of pay-out option you choose, your investment
choices, and the amount used to provide your income payments. Because Deferred
Annuities offer various insurance benefits such as pay-out options, including
our guarantee of income for your lifetime, they are "annuities."

All TSA, PEDC, Keogh and 403(a) arrangements receive tax deferral under the
Internal Revenue Code and/or the plan. There are no additional tax benefits by
funding these tax qualified arrangements with a Deferred Annuity. Therefore,
there should be reasons other than tax deferral, such as the availability of a
guaranteed income for life or the death benefit, for acquiring the Deferred
Annuity within these arrangements.

An Income Annuity

- --------------------------------------------------------------------------------
Group Deferred Annuities and group Income Annuities are also available. They are
offered to an employer, association, trust or other group for its employees,
members or participants.

[GRAPHIC OMITTED]

A Deferred Annuity consists of two phases: the accumulation or "pay-in" phase
and the income or "pay-out" phase.
- --------------------------------------------------------------------------------

B-PPA-17
<PAGE>

stream for both your lifetime, as well as the lifetime of another person (such
as a spouse). Some Income Annuities guarantee a time period of your choice over
which MetLife will make income payments. Income Annuities also have other
features. The amount of the income payments you receive will depend on such
things as the type of pay-out option you choose, your investment choices and the
amount of your purchase payment.

Your Investment Choices

The Metropolitan Fund, the Zenith Fund, the Calvert Fund and each of their
Portfolios are more fully described in their respective prospectuses and SAIs.
The Metropolitan Fund and the Zenith Fund prospectuses are attached at the end
of this Prospectus. If the Calvert Social Balanced Portfolio is available to
you, then you will also receive a Calvert Fund prospectus. You should read the
prospectuses carefully before making purchase payments to the investment
divisions. The SAIs are available upon your request.

Your 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 appropriate Fund prospectus for more
information regarding the investment objectives and investment practices of each
Portfolio. Since your Account Balance or income payments are subject to the
risks associated with investing in stocks and bonds, your Account Balance and
income payments based upon amounts allocated to the investment divisions may go
down as well as up. The following list of investment choices includes five
Portfolios that, subject to state approval, we anticipate will be available on
or about July 5, 2000.

Lehman Brothers Aggregate Bond Index Portfolio
State Street Research Income Portfolio
State Street Research Diversified Portfolio
Calvert Social Balanced Portfolio
MetLife Stock Index Portfolio
Harris Oakmark Large Cap Value Portfolio
T. Rowe Price Large Cap Growth Portfolio
State Street Research Growth Portfolio
Davis Venture Value Portfolio
Putnam Large Cap Growth Portfolio
MetLife Mid Cap Stock Index Portfolio
Neuberger Berman Partners Mid Cap Value Portfolio
Janus Mid Cap Portfolio

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 investment divisions and Portfolios are
not those mutual funds. The Portfolios most likely will not have the same
performance experience as any publicly available mutual fund.
- --------------------------------------------------------------------------------

B-PPA-18
<PAGE>

State Street Research Aggressive Growth Portfolio
Loomis Sayles High Yield Bond Portfolio
Russell 2000(Registered) Index Portfolio
T. Rowe Price Small Cap Growth Portfolio
Loomis Sayles Small Cap Portfolio
State Street Research Aurora Small Cap Value Portfolio
Scudder Global Equity Portfolio
Morgan Stanley EAFE(Registered) Index Portfolio
Putnam International Stock Portfolio

Some of the investment choices may not be available under the terms of the
Deferred Annuity or Income Annuity. The contract will indicate the investment
divisions that are available to you. Your investment choices may be limited
because:

o Some of the investment divisions are not approved in your state.

o Your employer, association or other group contract holder limits the
number of available investment divisions.

o We have restricted the available investment divisions.

o For Income Annuities, some states limit you to four choices (four
investment divisions or three investment divisions and the Fixed Income
Option).

The investment divisions buy and sell shares of corresponding mutual fund
portfolios. These Portfolios, which are part of either the Metropolitan Fund,
the Zenith Fund or the Calvert 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 to you under the
Deferred Annuities or Income Annuities. You pay no transaction expenses (i.e.,
front-end 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 and the Zenith Fund are available only by purchasing annuities and life
insurance policies from MetLife or certain of its affiliated insurance companies
and are never sold directly to the public. The Calvert Social Balanced Portfolio
is made available by the Calvert Fund only through various insurance company
annuities and life insurance policies.

The Metropolitan Fund, Zenith Fund and the Calvert Fund are "series" type funds
registered with the Securities and Exchange Commission as an

B-PPA-19
<PAGE>

"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 fund. Except for the Janus Mid Cap and the Calvert
Social Balanced Portfolios, 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. The Zenith Fund pays New England Investment Management, Inc.
("NEIM") a monthly fee as its investment manager. The Calvert Social Balanced
Portfolio pays Calvert Asset Management Company, Inc. a monthly fee as its
investment manager. These fees, as well as the operating expenses paid by each
Portfolio, are described in the applicable prospectus and SAIs for the
Metropolitan Fund, Zenith Fund and the Calvert Fund.

In addition, the Metropolitan Fund and Zenith Fund prospectuses each discuss
other separate accounts of MetLife and its affiliated insurance companies that
invest in the Metropolitan Fund or the Zenith Fund. The Calvert Fund prospectus
discusses different separate accounts of the various insurance companies that
invest in the portfolios of the Calvert Fund. The risks of these arrangements
are also discussed in each Fund's prospectus.

Deferred Annuities

This Prospectus describes four kinds of Deferred Annuities under which you can
accumulate money:

- --------------------------------------------------------------------------------
o TSA (Tax Sheltered Annuity)

o PEDC (Public Employee Deferred Compensation)

o Keogh (Keogh plans under Section.401)

o 403(a) (Qualified Annuity plans under Section.403(a))

Certain group Deferred Annuities may be issued to a bank that does nothing but
hold them as contract holder. Deferred Annuities may be either:

o Allocated (your Account Balance records are kept for you as an
individual); or

o Unallocated (Account Balance records are kept for a plan or group as a
whole).

The Deferred Annuity and Your Retirement Plan

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

These Deferred Annuities may be either issued to you as an individual or to a
group (you are then a participant under the group's Deferred Annuity).
- --------------------------------------------------------------------------------

B-PPA-20
<PAGE>

loans, the death benefit and pay-out options. The Deferred Annuity may provide
that a plan administrative fee will be paid by making a withdrawal from your
Account Balance. We may rely on your employer's or plan administrator's
statements to us as to the terms of the plan or your entitlement to any amounts.
We will not be responsible for determining what your plan says. You should
consult the Deferred Annuity contract and plan document to see how you may be
affected. If you are a Texas Optional Retirement Program participant, please see
Appendix II for specific information which applies to you.

Automated Investment Strategies

There are five automated investment strategies available to you. These
investment strategies are available to you without any additional charge.
However, the investment strategies are not available to Keogh Deferred Annuities
or other unallocated contracts. As with any investment program, no strategy can
guarantee a gain - you can lose money. We may modify or terminate any of the
strategies at any time. You may have only one automated investment strategy in
effect at a time.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

B-PPA-21
<PAGE>

[GRAPHIC OMITTED]

Purchase Payments

There is no minimum purchase payment except for the unallocated Keogh Deferred
Annuity. If you have an unallocated Keogh Deferred Annuity, each purchase
payment must be at least $2,000. In addition, your total purchase payments must
be at least $15,000 for your first Contract Year and $5,000 for each subsequent
Contract Year. You may continue to make purchase payments while you receive
Systematic Withdrawal Program payments, as described later in this Prospectus,
unless your purchase payments are made through salary reduction or salary
deduction.

Allocation of Purchase Payments

B-PPA-22
<PAGE>

Limits on Purchase Payments

Your ability to make purchase payments may be limited by:

o Federal tax laws.

o Our right to limit the total of your purchase payments to $500,000. We may
change the maximum by telling you in writing at least 90 days in advance.

o For Keogh, TSA, PEDC and 403(a) Deferred Annuities, if you should leave
your job.

o Receiving systematic termination payments (described later).

The Value of Your Investment

This is how we calculate the Accumulation Unit Value for each investment
division:

o First, we determine the change in investment performance (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 our insurance-related charge
(general administrative expenses and mortality and expense risk charges)
for each day since the last Accumulation Unit Value was calculated; and

o Finally, we multiply the previous Accumulation Unit Value by this result.

[GRAPHIC OMITTED]

B-PPA-23
<PAGE>

Examples

Calculating the Number of Accumulation Units

Assume you make a purchase payment of $500 into one investment division and that
investment division's Accumulation Unit Value is currently $10.00. You would be
credited with 50 accumulation units.

$500 = 50 accumulation units
----
10

Calculating the Accumulation Unit Value

$10.00 x 1.05 = $10.50 is the new Accumulation Unit Value

$10.00 x .95 = $9.50 is the new Accumulation Unit Value

Transfers

You can make tax-free transfers between investment divisions or between the
investment divisions and the Fixed Interest Account. For us to process a
transfer, you must tell us:

o The percentage or dollar amount of the transfer;

o The investment divisions (or Fixed Interest Account) from which you want
the money to be transferred;

o The investment divisions (or Fixed Interest Account) to which you want the
money to be transferred; and

o Whether you intend to start, stop or modify an automated investment
strategy by making the transfer.

Each Fund may restrict or refuse purchases or redemptions of shares in their
Portfolios as a result of certain market timing activities. You should read the
Fund prospectuses for more details.

Your transfer request must be completed prior to 4:00 pm Eastern time on one of
our business days if you want the transaction to take place on that day. All
other transfer requests will be processed our next business day.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You may transfer money within your contract. You will not incur current taxes on
your earnings or any early withdrawal charges as a result of transferring your
money.
- --------------------------------------------------------------------------------

B-PPA-24
<PAGE>

We may require you to:

o Use our forms;

o Maintain a minimum Account Balance (if the transfer is in connection with
an automated investment strategy or if there is an outstanding loan from
the Fixed Interest Account); or

o Transfer a minimum amount if the transfer is in connection with the
Allocator.

Access To Your Money

You may withdraw either all or a part of your Account Balance from the Deferred
Annuity. Other than those made through the Systematic Withdrawal Program,
withdrawals must be at least $500 (or the Account Balance, if less). To process
your request, we need the following information:

o The percentage or dollar amount of the withdrawal; and

o The investment divisions (or Fixed Interest Account) from which you want
the money to be withdrawn.

If you are a member of the Michigan Education Association and employed with a
school district which purchased a TSA Deferred Annuity before January 15, 1996,
then you must tell us the source of money from which we may take a withdrawal.
This includes salary reduction, elective deferrals, direct rollovers, direct
transfers or employer contributions.

Systematic Withdrawal Program For TSA Deferred Annuities

If we agree and if approved in your state for TSA Deferred Annuities, you may
choose to automatically withdraw a specific dollar amount or a percentage of
your Account Balance each Contract Year. This amount is then paid in equal
portions throughout the Contract Year according to the time frame you select,
e.g., monthly, quarterly, semi-annually or annually. Once the Systematic
Withdrawal Program is initiated the payments will automatically renew each
Contract Year. Income taxes, tax penalties and early withdrawal charges may
apply to your withdrawals.

If you elect to withdraw a dollar amount we will pay you the same dollar amount
each Contract Year. If you elect to withdraw a percentage of your Account
Balance, each Contract Year we recalculate the dollar amount you will receive
based on your new Account Balance.

- --------------------------------------------------------------------------------
Income taxes, tax penalties and early withdrawal charges may apply to any
withdrawal you make.

[GRAPHIC OMITTED]

We will withdraw your systematic withdrawal program payments from the Fixed
Interest Account or investment divisions you select, either pro rata or in the
proportions you request. Each payment must be at least $50. Tax law generally
prohibits withdrawals from TSA Deferred Annuities before you reach age 59 1/2.
- --------------------------------------------------------------------------------

B-PPA-25
<PAGE>

Selecting a Payment Date: Your payment date is the date we make the withdrawal.
When you select or change a payment date, we must receive your request at least
10 days prior to the selected payment date. If we do not receive your request in
time, we will make the payment a month after the date you selected. If you do
not select a payment date, we will automatically begin systematic withdrawals
within 30 days after we receive your request. Changes in the dollar amount,
percentage, or timing of payments can be made once a year at the beginning of
any Contract Year. However, we must receive your request at least 30 days in
advance. If you make any of these changes we will treat your request as though
you were starting a new Systematic Withdrawal Program.

- --------------------------------------------------------------------------------
If you elect to receive payments through this program, you must either be over
59 1/2 years old or have left your job. You are not eligible for systematic
withdrawals if you have an outstanding loan.

[GRAPHIC OMITTED]

If you would like to receive your systematic withdrawal payment by the first of
the month you should request that the payment date be the 20th of the prior
month.

B-PPA-26
<PAGE>

Systematic Withdrawal Program payment date. For all subsequent Contract Years,
we will calculate the percentage of your Account Balance your Systematic
Withdrawal Program payment represents based on your Account Balance on the first
Systematic Withdrawal Program payment date of that Contract Year. We will
determine separately the early withdrawal charge and any relevant factors (such
as applicable exceptions) for each Systematic Withdrawal Program payment as of
the date it is withdrawn from your Deferred Annuity.

Minimum Distribution

In order for you to comply with certain tax law provisions, you may be required
to take money out of your Deferred Annuity. Rather than receiving your minimum
required distribution in one annual lump-sum payment, you may request that we
pay it to you in installments throughout the calendar year. However, we may
require that you maintain a certain Account Balance at the time you request
these payments.

Contract Fee

There is no Separate Account annual contract fee.

o For all contracts, except the Keogh Deferred Annuity and certain TSA
Deferred Annuities, you pay a $20 annual fee from the Fixed Interest
Account at the end of each Contract Year, if your Account Balance is less
than $10,000 and if you do not make purchase payments during the year.

o For the Keogh Deferred Annuity with individual participant recordkeeping
(allocated) you pay a $20 charge applied against any amounts in the Fixed
Interest Account.

o For the Keogh Deferred Annuity with no individual participant
recordkeeping (unallocated), there is no contract fee.

o There is no contract fee for certain TSA Deferred Annuities.

Charges

There are two types of charges you pay while you have money in an investment
division:

o Insurance-related charge, and

o Investment-related charge.

Insurance-Related Charge

MetLife guarantees that the Separate Account insurance-related charge will not
increase while you have a Deferred Annuity.
- --------------------------------------------------------------------------------

B-PPA-27
<PAGE>

General administrative expenses we incur include financial, actuarial,
accounting, and legal expenses.

The mortality portion of the insurance-related charge pays us for the risk that
you may live longer than we estimated. Then, we could be obligated to pay you
more in payments from a pay-out option than we anticipated. Also, for allocated
Deferred Annuities, we bear the risk that the guaranteed death benefit we would
pay should you die during your "pay-in" phase is larger than your Account
Balance. We also bear the risk that our expenses in administering the Deferred
Annuities may be greater than we estimated (expense risk).

Investment-Related Charge

Premium Taxes

Some jurisdictions tax what are called "annuity considerations." These may apply
to purchase payments, Account Balances and death benefits. In most
jurisdictions, we currently do not deduct any money from purchase payments,
Account Balances or death benefits to pay these taxes. Generally, our practice
is to deduct money to pay premium taxes (also known as "annuity taxes") only
when you exercise a pay-out option. In certain jurisdictions, we may also deduct
money to pay premium taxes on lump sum withdrawals or when you exercise a
pay-out option. We may deduct an amount to pay premium taxes some time in the
future since the laws and the interpretation of the laws relating to annuities
are subject to change.

Early Withdrawal Charges

An early withdrawal charge of up to 7% may apply if you withdraw purchase
payments within 7 years of when they were credited to your Deferred Annuity. To
determine the early withdrawal charge for Deferred Annuities, we treat your
Fixed Interest Account and Separate Account as if they were a single account and
ignore both your actual allocations and the Fixed Interest Account or investment
division from which the withdrawal is actually coming. To do this, we first
assume that your withdrawal is from amounts (other than earnings) that can be
withdrawn without an early withdrawal charge, then from other amounts (other
than earnings) and

[GRAPHIC OMITTED]

B-PPA-28
<PAGE>

then from earnings, each on a "first-in-first-out" (oldest money first) basis.
Once we have determined the amount of the early withdrawal charge, we will then
withdraw it from the Fixed Interest Account and the investment divisions in the
same proportion as the withdrawal is being made. In determining what the
withdrawal charge is, we do not include earnings, although the actual withdrawal
to pay it may come from earnings.

The early withdrawal charge on purchase payments withdrawn is as follows:

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

During Purchase Payment/Contract Year

Year 1 2 3 4 5 6 7 8 & Later

Percentage 7% 6% 5% 4% 3% 2% 1% 0%

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

If you are a member of the Michigan Education Association and employed by a
school district which purchased a TSA Deferred Annuity before January 15, 1996,
then we impose the early withdrawal charge in the above table for the first
seven Contract Years.

By law, your total early withdrawal charges applied to the investment divisions
will never exceed 9% of all your purchase payments in the investment divisions.

When No Early Withdrawal Charge Applies

In some cases, we will not charge you the early withdrawal charge when you make
a withdrawal. We may, however, ask you to prove that you meet any conditions
listed below.

You do not pay an early withdrawal charge:

o On transfers you make within your Deferred Annuity.

o On withdrawals of purchase payments you made over seven years ago.

- --------------------------------------------------------------------------------
You will not pay an early withdrawal charge on any purchase payments made more
than 7 years ago.

We do not include your earnings when calculating early withdrawal charges.
However, if the early withdrawal charge is greater than the rest of your
purchase payments, then we will take the early withdrawal charges, in whole or
in part, from your earnings.

Early withdrawal charges never apply to transfers among investment divisions or
transfers to or from the Fixed Interest Account.

[GRAPHIC OMITTED]

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

B-PPA-29
<PAGE>

o If you choose payments over one or more lifetimes or for a period of at
least five years (without the right to accelerate the payments).

o If you die during the pay-in phase. Your beneficiary will receive the full
death benefit without deduction.

o If you withdraw up to 10% (20% for the unallocated Keogh and certain TSA
Deferred Annuities) of your Account Balance each Contract Year. This 10%
(or 20%) total withdrawal may be taken in an unlimited number of partial
withdrawals during that Contract Year. Each time you make a withdrawal, we
calculate what percentage your withdrawal represents at that time. Only
when the total of these percentages exceeds 10% (or 20%) will you have to
pay early withdrawal charges. If you have a Keogh Deferred Annuity,
generally you are allowed to take the "free withdrawal" on top of any
other withdrawals which are otherwise exempt from the early withdrawal
charge. This is not true if your other withdrawals are in connection with
a systematic termination or purchase payments made over 7 years ago.

o If the withdrawal is required for you to avoid Federal income tax
penalties or to satisfy Federal income tax rules or Department of Labor
regulations that apply to your Deferred Annuity.

o Systematic Termination. For unallocated Keogh and certain TSA Deferred
Annuities, and the TSA Deferred Annuity for certain Texas institutions of
higher education which takes effect when the institution withdraws its
endorsement of the TSA Deferred Annuity or if you retire or leave your job
according to the requirements of the Texas Optional Retirement Program,
you may withdraw your total Account Balance without an early withdrawal
charge when the Account Balance is paid in annual installments based on
the following percentages of your Account Balance for that year's
withdrawal:

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

Contract Year

Year 1* 2 3 4 5

Percentage 20% 25% 33 1/3% 50% remainder

* Less that Contract Year's withdrawals

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

Any money you withdraw in excess of these percentages in any Contract Year
will be subject to early withdrawal charges. You may stop the systematic
termination of the contract. If you ask to restart systematic termination,
you begin at the beginning of the schedule listed above.

o If you are disabled and request a total withdrawal. Disability is defined
in the Federal Social Security Act. If the Keogh or TSA Deferred Annuity
is issued in connection with your retirement plan which is subject to the
Employee Retirement Income Security Act of 1974 and if your plan document
defines disability, your plan's definition governs.

B-PPA-30
<PAGE>

o If you retire:

o For the Keogh, TSA and 403(a) Deferred Annuities, if there is a plan
and you retire according to the requirements of the plan. This
exemption does not apply to withdrawals of money transferred into
these TSA Deferred Annuities from other investment vehicles on a tax
free basis (plus earnings on such amounts).

o For the unallocated Keogh Deferred Annuity, if your plan defines
retirement and you retire under that definition. If you are a
"restricted" participant, according to the terms of the Deferred
Annuity, you must have participated in the Deferred Annuity for the
time stated in the contract.

o For certain TSA Deferred Annuities without a plan, if you have
continuously participated for at least 10 years. This exemption does
not apply to withdrawals of money transferred into these TSA
Deferred Annuities from other investment vehicles on a tax free
basis (plus earnings on such amounts). Continuously participated
means that your contract must be in existence for 10 years prior to
the requested withdrawal.

o For the allocated Keogh Deferred Annuity, if you have continuously
participated for at least 7 years.

o For the PEDC Deferred Annuity, if you retire.

o For certain TSA Deferred Annuities, if you retired before the
contract was purchased (including money transferred from other
investment vehicles on a tax free basis plus earnings on that
money).

o If you leave your job:

o For the unallocated Keogh Deferred Annuity, however if you are a
"restricted" participant, according to the terms of the Deferred
Annuity, you must have participated in the Deferred Annuity for the
time stated in the contract.

o For the TSA and 403(a) Deferred Annuities, only if you have
continuously participated for at least 10 years. This exemption does
not apply to withdrawals of money transferred into TSA and 403(a)
Deferred Annuities from other investment vehicles on a tax free
basis (plus earnings on such amounts). Continuously participated
means that your contract must be in existence for 10 years prior to
the requested withdrawal.

o For the allocated Keogh Deferred Annuity, only if you have
continuously participated for at least 7 years.

o For PEDC, if you leave your job with the employer that bought the
Deferred Annuity or the employer in whose arrangement you
participate.

B-PPA-31
<PAGE>

o For certain TSA Deferred Annuities, if you leave your job with the
employer you had at the time you purchased this annuity.

o For certain TSA Deferred Annuities, if you left your job before the
contract was purchased(including money transferred from other
investment vehicles on a tax free basis plus earnings on that
money).

o For Keogh and certain TSA Deferred Annuities, if your plan terminates and
the Account Balance is transferred into another annuity contract we issue.

o For PEDC, unallocated Keogh and certain TSA Deferred Annuities, if you
suffer from an unforeseen hardship.

o For Keogh Deferred Annuities, if you make a direct transfer to another
investment vehicle we have preapproved. For the unallocated Keogh Deferred
Annuity, if you are a "restricted" participant, according to the terms of
the Deferred Annuity, you also must roll over your Account Balance to a
MetLife individual retirement annuity within 120 days after you are
eligible to receive a plan distribution.

When Another Early Withdrawal Charge May Apply

o Amounts transferred before January 1, 1996:

We credit your transfer amounts with the time you held them under your
original contract. Or, if it will produce a lower charge, we use the
following schedule to determine early withdrawal charges (determined as
previously described) for transferred amounts from your original contract:

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

During Purchase Payment Year

Year 1 2 3 4 5 6 and Beyond

Percentage 5% 4% 3% 2% 1% 0%

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

o Amounts transferred on or after January 1, 1996:

o For certain contracts which we issued at least two years before the
date of the transfer (except as noted below), we apply the
withdrawal charge under your original contract but not any of the
original contract's exceptions or reductions to the withdrawal
charge percentage that do not apply to a Deferred Annuity. Or, if it
will produce a lower charge, we use the following schedule to
determine early withdrawal charges (determined as previously
described) for transferred amounts from your original contract:

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

B-PPA-32
<PAGE>

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

After the Transfer

Year 1 2 3 4 5 6 and Beyond

Percentage 5% 4% 3% 2% 1% 0%

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

o Alternatively, if provided for in your Deferred Annuity, we credit your
purchase payments with the time you held them under your original
contract.

Free Look

You may cancel the Deferred Annuity within a certain time period. This is known
as a "free look." We must receive your request to cancel in writing. The number
of days for this "free look" varies from state to state. The time period may
also vary depending on your age and whether you purchased the Deferred Annuity
from us directly, through the mail or with money from another annuity or life
insurance policy. Not all contracts issued are subject to free look provisions
under state law. Depending on state law, we may refund all of your purchase
payments or your Account Balance as of the date your properly completed refund
request is received at your MetLife Designated Office.

Death Benefit

One of the insurance guarantees we provide you under the Deferred Annuity is
that your beneficiaries will be protected against market downturns. You name
your beneficiary(ies) for TSA and 403(a) Deferred Annuities. Your beneficiary
under a PEDC Deferred Annuity is the trustee or employer. Under a Keogh Deferred
Annuity the death benefit is paid to the plan's trustee. If you die during the
pay-in phase, the death benefit your beneficiary receives will be the greatest
of:

o Your Account Balance;

o The total of all of your purchase payments less any partial withdrawals.

In each case, we deduct the amount of any outstanding loans from the death
benefit.

For the allocated Keogh Deferred Annuity, your death benefit under the
Deferred Annuity will be no more than your Account Balance.

We will only pay the death benefit when we receive both proof of death and
appropriate instructions for payment.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

There is no death benefit for the unallocated Keogh Deferred Annuity.
- --------------------------------------------------------------------------------

B-PPA-33
<PAGE>

Pay-out Options (or Income Options)

You may convert your Deferred Annuity into a regular stream of income after your
"pay-in" or "accumulation" phase. When you are selecting your pay-out option,
you will be able to choose from the range of options we then have available. You
have the flexibility to select a stream of income to meet your needs. If you
decide you want a pay-out option, we withdraw some or all of your Account
Balance (less any premium taxes, applicable contract fees and outstanding
loans), then we apply the net amount to the option. You are not required to hold
your Deferred Annuity for any minimum time period before you may annuitize.
However, if you annuitize within two years of purchasing the Deferred Annuity, a
$350 contract fee applies. Generally, you may defer receiving payments for up to
one year after you have chosen your pay-out option. The variable pay-out option
may not be available in certain states.

When considering a pay-out option, you should think about whether you want:

o Payments guaranteed by us for the rest of your life (or for the rest of
two lives) or for a specified period;

o A fixed dollar payment or a variable payment;

o A refund feature.

Your income payment amount will depend upon your choices. For lifetime options,
the age and sex of the measuring lives (annuitants) will also be considered. For
example, if you select a pay-out option guaranteeing payments for your lifetime
and your spouse's lifetime, your payments will typically be lower than if you
select a pay-out option with payments over only your lifetime. The terms of the
Contract supplement to your Deferred Annuity will determine when your income
payments start and the frequency with which you will receive your income
payments.

- --------------------------------------------------------------------------------
The pay-out phase is often referred to as either "annuitizing" your contract or
an income annuity.

B-PPA-34
<PAGE>

Income Annuities

Income Annuities provide you with a regular stream of payments for either your
lifetime or a specific period. You have the flexibility to select a stream of
income to meet your needs. Income Annuities can be purchased so that you begin
receiving payments immediately or you can apply the Account Balance of the
Deferred Annuity to a pay-out option to receive payments during your "pay-out"
phase. With an Income Annuity, you must start receiving payments within the
first year after the annuity is issued. The Income Annuity currently may not be
available in certain states.

We do not guarantee that your variable payments will be a specific amount of
money. You may choose to have a portion of the payment fixed and guaranteed
under the Fixed Income Option.

Using proceeds from the following types of arrangements, you may purchase Income
Annuities to receive immediate payments:

o TSA

o PEDC

o Keogh

o 403(a)

Income Payment Types

Currently, we provide you with a wide variety of income payment types to suit a
range of personal preferences.

There are three people who are involved in payments under your Income Annuity:

o Owner: the person or entity which has all rights under the Income Annuity
including the right to direct who receives payment.

o Annuitant: the person whose life is the measure for determining the
duration and sometimes the dollar amount of payments.

o Beneficiary: the person who receives continuing payments or a lump sum
payment if the owner dies.

[GRAPHIC OMITTED]

Many times the Owner and the Annuitant are the same person.
- --------------------------------------------------------------------------------

B-PPA-35
<PAGE>

Lifetime Income Annuity: A variable income that is paid as long as the annuitant
is living.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

When deciding how to receive income, consider:

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.
- --------------------------------------------------------------------------------

B-PPA-36
<PAGE>

Allocation

You decide how your money is allocated among the Fixed Income Option and the
investment divisions.

Minimum Size of Your Income Payment

The Value of Your Income Payments

Annuity Units

AIR

- --------------------------------------------------------------------------------
The AIR is stated in your contract and may range from 3% to 6%.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

B-PPA-37
<PAGE>

the higher your initial variable income payment will be. Your next payments will
increase in proportion to the amount the actual investment experience of your
chosen investment divisions exceeds the AIR and Separate Account charges (the
net investment return). Likewise, your payments will decrease to the extent the
investment experience of your chosen investment divisions is less than the AIR
and Separate Account charges. A lower AIR will result in a lower initial
variable income payment, but subsequent variable income payments will increase
more rapidly or decline more slowly than if you had a higher AIR as changes
occur in the actual investment experience of the investment divisions.

Valuation

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 Then, we multiply by an adjustment based on your 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.

Transfers

You can make transfers among investment divisions or from the investment
divisions to the Fixed Income Option. Once you transfer money into the Fixed
Income Option you may not later transfer it into an investment division. There
is no early withdrawal charge to make a transfer. If you reside in certain
states you may be limited to four options (including the Fixed Interest Option).

For us to process a transfer, you must tell us:

o The percentage or dollar amount of the transfer;

o The investment division (or Fixed Income Option) to which you want to
transfer; and

o The investment division from which you want to transfer.

We may require that you use our forms to make transfers.

Each Fund may restrict or refuse purchases or redemptions of shares in their
Portfolios as a result of certain market timing activities. You should

- --------------------------------------------------------------------------------
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.

[GRAPHIC OMITTED]

Once you transfer money into the Fixed Income Option you may not later transfer
it into an investment division.
- --------------------------------------------------------------------------------

B-PPA-38
<PAGE>

read the Fund prospectuses for more details.

Contract Fee

Charges

There are two types of charges you pay if you allocate any of your purchase
payment to the investment divisions:

o Insurance-related charge; and

o Investment-related charge.

Insurance-Related Charge

General administrative expenses we incur include financial, actuarial,
accounting, and legal expenses.

The mortality portion of the insurance-related charge pays us for the risk that
you may live longer than we estimated. Then, we could be obligated to pay you
more in payments than we anticipated.

We also bear the risk that our expenses in administering the Income Annuities
will be greater than we estimated (expense risk).

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 you pay depends on the investment divisions you select.
Amounts for each investment division are listed in the Table of Expenses.

B-PPA-39
<PAGE>

Premium Taxes

Some jurisdictions tax what are called "annuity considerations." We deduct money
to pay "premium" taxes (also known as "annuity" taxes) when you make the
purchase payment.

Premium taxes, if applicable, currently range from .5% to 5.0% depending on the
Income Annuity you purchased and your home state or jurisdiction. A chart in the
Appendix shows the jurisdictions where premium taxes are charged and the amount
of these taxes.

Free Look

General Information

Administration

All transactions will be processed in the manner described below.

Purchase Payments

o On a day when the Accumulation Unit Value/Annuity Unit Value is not
calculated, or

o After 4:00 p.m. Eastern time.

In those cases, the purchase payments will be effective the next day the
Accumulation Unit Value or Annuity Unit Value, as applicable, is calculated.

Usually, your initial purchase payment is credited to you within two days of
receipt at your MetLife Designated Office. However, if you fill out our forms

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You do not have a "free look" if you are electing income payments in the pay-out
phase of your Deferred Annuity.

[GRAPHIC OMITTED]

B-PPA-40
<PAGE>

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 you and give you the reasons
for the delay. At that time, you will be asked whether you agree to let us keep
your money until the problem is resolved. If you do not agree or we cannot reach
you by the fifth business day, your money will be returned.

Under certain group Deferred Annuities and group Income Annuities, your
employer, the trustee of the Keogh plan (if an allocated Deferred Annuity) or
the group in which you are a participant or member must identify you on their
reports to us and tell us how your money should be allocated among the
investment divisions and the Fixed Interest Account/Fixed Income Option.

Confirming Transactions

You will receive a written statement confirming that a transaction was recently
completed. Certain transactions made on a periodic basis, such as Systematic
Withdrawal Program payments and automated investment strategy transfers, may be
confirmed quarterly. Salary reduction or deduction purchase payments under TSA
Deferred Annuities are confirmed quarterly.

Processing Transactions

By Telephone or Internet

You may request a variety of transactions and obtain information by telephone 24
hours a day, 7 days a week, unless prohibited by state law or your employer.
Likewise, in the future, you may be able to request a variety of transactions
and obtain information through Internet access, unless prohibited by state law.
Some of the information and transactions accessible to you include:

o Account Balance

o Unit Values

o Current rates for the Fixed Interest Account

o Transfers

o Changes to investment strategies

o Changes in the allocation of future purchase payments.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You may authorize your sales representative to make telephone transactions on
your behalf. You must complete our form and we must agree. This does not apply
if you have a Keogh Deferred Annuity or Income Annuity.
- --------------------------------------------------------------------------------

B-PPA-41
<PAGE>

Annuity Unit Value is not calculated or after 4:00 p.m. Eastern time. We will
process these transactions on our next business day.

We have put into place reasonable security procedures to insure that
instructions communicated are genuine. For example, all telephone calls are
recorded. Also, you will be asked to provide some personal data prior to giving
your instructions over the telephone or the Internet. When someone contacts us
by telephone or Internet and follows our security procedures, we will assume
that you are authorizing us to act upon those instructions. Neither the Separate
Account nor MetLife will be liable for any loss, expense or cost arising out of
any requests that we or the Separate Account reasonably believe to be authentic.
In the unlikely event that you have trouble reaching us, requests should be made
in writing to your MetLife Designated Office.

Response times for telephone or Internet may vary due to a variety of factors,
including volumes, market conditions and performance of systems. We are not
responsible or liable for:

o any inaccuracy, error, or delay in or omission of any information you
transmit or deliver to us; or

o any loss or damage you may incur because of such inaccuracy, error, delay
or omission; non-performance or any interruption of information beyond our
control.

After Your Death

If we are notified of your death before a requested transaction is completed, we
will cancel the request. For example, if you request a transfer or withdrawal
for a date in the future under a Deferred Annuity and then die before that date,
we simply pay the death benefit instead. For Income Annuity transfers, we will
cancel the request and continue making payments to your beneficiary if your
Income Annuity so provides. Or, depending on your Income Annuity's provisions,
we may continue making payments to a joint annuitant or pay your beneficiary a
refund.

Third Party Requests

Generally, we only accept requests for transactions or information from you.
Therefore, we reserve the right not to process transactions requested on your
behalf by your agent with a power of attorney or any other authorization. This
includes processing transactions by an agent you designate, through a power of
attorney or other authorization, who has the ability to control the amount and
timing of transfers for a number of other Contracts owners, and who
simultaneously makes the same request or series of requests on behalf of other
Contract owners.

Valuation

B-PPA-42
<PAGE>

Advertising Performance

We may state performance in terms of "yield," "change in Accumulation Unit
Value/Annuity Unit Value," "average annual total return," or some combination of
these terms.

Average annual total return calculations reflect all Separate Account charges
and applicable early withdrawal charges. These figures also assume a steady
annual rate of return.

Performance figures will vary among the various Deferred Annuities and Income
Annuities as a result of different Separate Account charges and early withdrawal
charges. For purposes of presentation, we may assume that certain Deferred
Annuities and Income Annuities were in existence prior to their inception date.
In these cases, we calculate performance based on the historical performance of
the underlying Metropolitan Fund, Zenith Fund and Calvert Fund Portfolios. We
use the actual accumulation unit or annuity unit data after the inception date.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

All performance numbers are based upon historical earnings. These numbers are
not intended to indicate future results.
- --------------------------------------------------------------------------------

B-PPA-43
<PAGE>

Changes to Your Deferred Annuity or Income Annuity

o To operate the Separate Account in any form permitted by law.

o To take any action necessary to comply with or obtain and continue any
exemptions under the law.

o To make any necessary technical changes in the Deferred Annuities or
Income Annuities in order to conform with any of the above-described
actions.

Voting Rights

Based on our current view of applicable law, you have voting interests under
your Deferred Annuity or Income Annuity concerning Metropolitan Fund, Zenith
Fund and Calvert Fund proposals that are subject to a shareholder vote.
Therefore, you are entitled to give us instructions for the number of shares
which are deemed attributable to your Deferred Annuity or Income Annuity.

B-PPA-44
<PAGE>

You will be entitled to give instructions regarding the votes attributable to
your Deferred Annuity or Income Annuity in your sole discretion. Under the Keogh
Deferred Annuities, participants may instruct you to give us instructions
regarding shares deemed attributable to their contributions to the Deferred
Annuity. Under the Keogh Deferred Annuities, we will provide you with the number
of copies of voting instruction soliciting material that you request so that you
may furnish such materials to participants who may give you voting instructions.
Neither the Separate Account nor MetLife has any duty to inquire as to the
instructions received or your authority to give instructions; thus, as far as
the Separate Account, and any others having voting interests in respect of the
Separate Account are concerned, such instructions are valid and effective.

o The shares for which voting instructions are received, and

o The shares 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 each Portfolio's shares based on our judgment.

Who Sells the Deferred Annuities and Income Annuities

The licensed sales representatives and broker-dealers who sell the annuities may
be compensated for these sales by commissions that we pay. There is

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

B-PPA-45
<PAGE>

no front-end sales load deducted from purchase payments to pay sales
commissions. The Separate Account does not pay sales commissions. The
commissions we pay range from 0% to 6%.

From time to time, MetLife may pay organizations or associations a fee,
reimburse them for certain expenses, lease office space from them, purchase
advertisement in their publications or enter into other such arrangements in
connection with their endorsing or sponsoring MetLife's variable annuity
contracts or services, for permitting MetLife to undertake certain marketing
efforts with the organizations' members in connection with sales of MetLife
variable annuities, or some combination thereof. Additionally, MetLife has
retained consultants who are paid a fee for their efforts in establishing and
maintaining relationships between MetLife and various organizations.

Financial Statements

Your Spouse's Rights

If you received your contract through a qualified retirement plan and your plan
is subject to ERISA (the Employee Retirement Income Security Act of 1974) and
you are married, the income payments, withdrawal and loan provisions, and
methods of payment of the death benefit under your Deferred Annuity or Income
Annuity may be subject to your spouse's rights.

If your benefit is worth $5,000 or less, your plan may provide for distribution
of your entire interest in a lump sum without your spouse's consent.

For details or advice on how the law applies to your circumstances, consult your
tax advisor or attorney.

B-PPA-46
<PAGE>

When We Can Cancel Your Deferred Annuity or Income Annuity

We may not cancel your Income Annuity.

We may cancel your Deferred Annuity only if we do not receive any purchase
payments from you for 36 consecutive months and your Account Balance is less
than $2,000, except for the unallocated Keogh Deferred Annuity. For the
unallocated Keogh Deferred Annuity we may cancel the Deferred Annuity if we do
not receive purchase payments from you for 12 consecutive months and your
Account Balance is less than $15,000. If we cancel a Deferred Annuity delivered
in New York, we will return the full Account Balance. In all other cases, you
will receive an amount equal to what you would have received if you had
requested a total withdrawal of your Account Balance. Early withdrawal charges
may apply. Certain Deferred Annuities do not contain these cancellation
provisions.

Income Taxes

The following information on taxes is a general discussion of the subject. It is
not intended as tax advice. The Internal Revenue Code ("Code") is complex and
subject to change regularly.

You should read the general provisions and any sections relating to your type of
annuity to familiarize yourself with some of the tax rules for your particular
contract. The SAI has additional tax information.

For purposes of this section, we address Deferred Annuities and Income Annuities
together as annuities.

General

Deferred annuities are a means of setting aside money for future needs--usually
retirement. Congress recognizes how important saving for retirement is and has
provided special rules in the Code.

Because these products are intended for retirement, if you make withdrawals
before age 59 1/2 you may incur a tax penalty.

We are not responsible for determining if your employer's plan or arrangement
satisfies the requirements of the Code and/or ERISA.

- --------------------------------------------------------------------------------
Consult your own tax advisor about your circumstances, any recent tax
developments and the impact of state income taxation.

Simply stated, income tax rules for Deferred Annuities generally provide that
earnings are not subject to tax until withdrawn. This is referred to as tax
deferral.
- --------------------------------------------------------------------------------

B-PPA-47
<PAGE>

Purchase Payments

Generally, all purchase payments will be contributed on a "before-tax" basis.
This means that the purchase payments either reduce your income, entitle you to
a tax deduction or are not subject to current income tax.

Under some circumstances "after-tax" purchase payments can be made to certain
annuities. These purchase payments do not reduce your taxable income or give you
a tax deduction.

There are different annual purchase payments limits for the annuities offered in
this prospectus. Purchase payments in excess of the limits may result in adverse
tax consequences.

Withdrawals

Because your purchase payments are generally on a before-tax basis, you pay
income taxes on the full amount of money you withdraw as well as income earned
under the contract. If you made any after-tax contributions they would not be
subject to income tax.

If certain requirements are met, you may be able to transfer amounts in your
contract to another eligible retirement plan or IRA. For PEDC contracts, you can
only transfer such amounts to another PEDC plan.

Minimum Distribution Requirements

Generally, you must begin receiving withdrawals from your Contract by April 1 of
the calendar year following the later of:

o The year you turn age 70 1/2 or;

o Provided you do not own 5% or more of your employer, and to the extent
permitted by your plan and contract, the year you retire.

Complex rules apply to timing and calculating these withdrawals. A tax penalty
of 50% applies to withdrawals which should have been taken but were not.

Although the minimum distribution requirements for PEDC are similar to those for
TSA, 403(a) and Keogh, there are some differences.

Please consult the section for the type of annuity you purchased to determine if
there are restrictions on withdrawals.

Withdrawals Before Age 59 1/2

If you receive a taxable distribution from your Contract before you reach age 59
1/2, this amount may be subject to a 10% penalty tax in addition to ordinary
income taxes. This does not apply to PEDC annuities.

As indicated in the chart below, some taxable distributions prior to age 59 1/2
are exempt from the penalty. Some of these exceptions include any amounts
received:

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

Withdrawals and income payments are included in income except for the portion
that represents a return of non-deductible purchase payments.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

B-PPA-48
<PAGE>

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

Type of Contract
---------------------------
TSA Keogh 403(a)
--- ----- ------
In a series of substantially
equal payments made annually
(or more frequently) for life
or life expectancy, after you
have separated from service x x x

After you die x x x

After you become totally
disabled (as defined in the Code) x x x

To pay deductible medical expenses x x x

After separation from service
if you are over age 55 x x x

After December 31, 1999
for IRS levies x x x

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

Mandatory 20% Withholding (Except PEDC)

We are required to withhold 20% of the taxable portion of your withdrawal that
constitutes an "eligible rollover distribution" for Federal income taxes. This
rule does not apply to PEDC contracts. We are not required to withhold this
money if you direct us, the trustee or the custodian of the plan to directly
rollover your eligible rollover distribution to a traditional IRA, or another
eligible retirement plan.

Generally, an "eligible rollover distribution" is any taxable amount you receive
from your contract. However, it does not include taxable distributions that are:

o A series of substantially equal payments made at least annually for:

o Your life or life expectancy

o Both you and your beneficiary's lives or life expectancies

o A specified period of 10 years or more

o Withdrawals to satisfy minimum distribution requirements

o Certain withdrawals on account of financial hardship

Other exceptions to the definition of eligible rollover distribution may exist.

For taxable withdrawals that are not "eligible rollover distributions," the Code
requires different withholding rules. The withholding amounts are determined at
the time of payment. In certain instances, you may elect out of these
withholding requirements.

Systematic Withdrawal Program for Substantially Equal Periodic Payments (SEPP)

If you are considering using the Systematic Withdrawal Program (currently only
available for TSA Deferred Annuities) for the purpose of meeting the SEPP
exception to the 10% tax penalty, consult with your tax advisor.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

B-PPA-49
<PAGE>

After Death

If you die before required minimum distribution withdrawals have begun, we must
make payment of your entire interest in the Contract within five years after the
year of your death or begin payments under an income annuity allowed by the Code
to your beneficiary by December 31st of the year after your death.

If your spouse is your beneficiary and if your Contract permits, your spouse may
delay the start of income payments until December 31st of the year in which you
would have reached age 70 1/2.

If you die after required withdrawals begin, payments must continue at least as
rapidly as under the distribution method in effect at your death.

TSA Annuities

General

TSAs fall under ss.403(b) of the Code, which provides certain tax benefits to
eligible employees of public school systems and organizations that are tax
exempt under ss.501(c)(3) of the Code.

Your Deferred Annuity is not forfeitable (e.g., not subject to claims of your
creditors) and you may not transfer it to someone else.

Withdrawals

If you are under 59 1/2, you cannot withdraw money from your Contract unless the
withdrawal:

o Relates to purchase payments made prior to 1989 (and pre-1989 earnings on
those purchase payments).

o Is directly transferred to otherss.403(b) arrangements;

o Relates to amounts that are not salary reduction elective deferrals;

o Is after you die, leave your job or become disabled (as defined by the
Code); or

o Is for financial hardship (but only to the extent of purchase payments) if
your plan allows it.

See the general heading under Income Taxes for a brief description of the tax
rules that apply to TSA Annuities.

Keogh Annuities

General

Pension and profit-sharing plans satisfying certain Code provisions are
considered to be "Keogh" plans.

See the general heading under Income Taxes for a brief description of the tax
rules for Keogh Annuities.

- --------------------------------------------------------------------------------
You may be subject to the 10% penalty tax if you withdraw money before you turn
age 59 1/2.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

B-PPA-50
<PAGE>

PEDC

General

PEDC plans are available to state or local governments and certain tax-exempt
organizations as described in ss.457 of the Code. The plans are not available
for churches and qualified church-controlled organizations.

PEDC annuities maintained by a state or local government are for the exclusive
benefit of plan participants and their beneficiaries.

PEDC annuities other than those maintained by state or local governments are
solely the property of the employer and are subject to the claims of the
employer's general creditors until they are "made available" to you.

Withdrawals

Generally, monies in your Contract can not be "made available" to you until you:

o Reach age 70 1/2

o Leave your job

o Have an unforeseen emergency (as defined by the Code)

Special Rules

Special rules apply to certain non-governmental PEDC plans deferring
compensation from taxable years beginning before January 1, 1987 (or beginning
later but based on an agreement in writing on August 16, 1986).

See the general heading under Income Annuities for a brief description of the
tax rules that apply to PEDC annuities.

403(a)

General

The employer adopts a 403(a) plan as a qualified retirement plan to provide
benefits to participating employees. The plan generally works in a similar
manner to a corporate qualified retirement plan except that the 403(a) plan does
not have a trust or a trustee.

See the general heading under Income Taxes for a brief description of the tax
rules that apply to 403(a) annuities.

B-PPA-51
<PAGE>

Table of Contents for the Statement of Additional Information

Page

Cover Page ............................................................. 1

Table of Contents ...................................................... 1

Independent Auditors ................................................... 2

Services ............................................................... 2

Distribution of Certificates and Interests in the
Deferred Annuities and Income Annuities ............................ 2

Early Withdrawal Charge ................................................ 2

Experience Factor ...................................................... 2

Variable Income Payments ............................................... 2

Investment Management Fees ............................................. 5

Performance Data and Advertisement of
the Separate Account ............................................... 6

Voting Rights .......................................................... 8

ERISA .................................................................. 9

Taxes .................................................................. 10

Performance Data ....................................................... 24

Financial Statements of the Separate Account ........................... 35

Financial Statements of MetLife ........................................ 63

[GRAPHIC OMITTED]

B-PPA-52
<PAGE>

Appendix

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
Deferred Annuity or Income Annuity.

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

Keogh and PEDC
TSA Deferred 403(a) Deferred Deferred and
and Income and Income Income
Annuities Annuities Annuities (1)

California .............. 0.5% 0.5% 2.35%

Maine ................... -- -- --

Nevada .................. -- -- --

Puerto Rico ............. 1.0% 1.0% 1.0%

South Dakota ............ -- -- --

U.S. Virgin Islands ..... 5.0% 5.0% 5.0%

West Virginia ........... 1.0% 1.0% 1.0%

Wyoming ................. -- -- --

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

- ----------
(1) Premium tax rates applicable to Deferred and Income Annuities purchased
under retirement plans of public employers meeting the requirements of ss.401(a)
of the Code are included under the column headed "Keogh Deferred and Income
Annuities."

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

PEANUTS(Copyright) United Feature Syndicate, Inc.

(Copyright)2000 Metropolitan Life Insurance Company

B-PPA-53
<PAGE>

Appendix II

What You Need To Know If You Are a Texas Optional Retirement Program Participant

If you are a participant in the Texas Optional Retirement Program, Texas law
permits us to make withdrawals on your behalf only if you die, retire or
terminate employment in all Texas institutions of higher education, as defined
under Texas law. Any withdrawal you ask for requires a written statement from
the appropriate Texas institution of higher education verifying your vesting
status and (if applicable) termination of employment. Also, we require a written
statement from you that you are not transferring employment to another Texas
institution of higher education. If you retire or terminate employment in all
Texas institutions of higher education or die before being vested, amounts
provided by the state's matching contribution will be refunded to the
appropriate Texas institution. We may change these restrictions or add others
without your consent to the extent necessary to maintain compliance with the
law.

B-PPA-54
<PAGE>

[This page intentionally left blank]

B-PPA-55
<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

/ / Calvert Social Balanced Portfolio

/ / I have changed my address. My current address is:

_______________________ Name_______________________
(Contract Number)

Address_______________________

_______________________ _______________________
(Signature) zip

Metropolitan Life Insurance Company
Attn: Brian Mack
Investment & Income Center, 4th Floor
485E US Highway 1 South
Iselin, NJ 08830
<PAGE>

-----------------
PRSRT STD

U.S. Postage Paid

METLIFE
-----------------

MetLife(Registerd)
Metropolitan Life Insurance Company
Johnstown Office, 500 Schoolhouse Road
Johnstown, PA 15904-2914

Address Service Requested

<PAGE>

-----------
May 1, 2000
-----------

Preference Plus(Registered) Account Variable Annuity Contracts
Issued by Metropolitan Life Insurance Company

This Prospectus describes group Preference Plus contracts for deferred variable
annuities ("Deferred Annuities") and Preference Plus immediate variable income
annuities ("Income Annuities").

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

You decide how to allocate your money among the various available investment
choices. The investment choices available to you are listed in the contract for
your Deferred Annuity or Income Annuity. Your choices may include the Fixed
Interest Account (not described in this Prospectus) and investment divisions
available through the Metropolitan Life Separate Account E which, in turn,
invest in the following corresponding portfolios of the Metropolitan Series
Fund, Inc. ("Metropolitan Fund") and series of the New England Zenith Fund
("Zenith Fund"). For convenience, both the portfolios and the series are
referred to as Portfolios in this Prospectus.

Lehman Brothers Aggregate Bond Index Janus Mid Cap
State Street Research Income State Street Research Aggressive
State Street Research Diversified Growth
MetLife Stock Index Loomis Sayles High Yield Bond
Harris Oakmark Large Cap Value Russell 2000(Registered) Index
T. Rowe Price Large Cap Growth T. Rowe Price Small Cap Growth
State Street Research Growth Loomis Sayles Small Cap
Davis Venture Value State Street Research Aurora Small Cap
Putnam Large Cap Growth Value
MetLife Mid Cap Stock Index Scudder Global Equity
Neuberger Berman Partners Mid Cap Morgan Stanley EAFE(Registered) Index
Value Putnam International Stock

How to learn more:

Before investing, read this Prospectus. The Prospectus contains information
about the Deferred Annuities, Income Annuities and Metropolitan Life Separate
Account E which you should know before investing. 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 C-PPA-55 of this Prospectus. To request a
free copy of the SAI or to ask questions, write or call:

Metropolitan Life Insurance Company
Investment & Income Center, 4th Floor
485E US Highway 1 South [GRAPHIC OMITTED]
Iselin, NJ 08830
Attention: Brian Mack
Phone: (800) 553-4459

The current Metropolitan Fund and Zenith Fund Prospectuses are attached to the
back of this Prospectus. You should also read these Prospectuses carefully
before purchasing a Deferred Annuity or Income Annuity. This Prospectus is not
valid unless attached to Metropolitan Fund and Zenith Fund Prospectuses.

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

Deferred Annuities Available:

o Non-Qualified

o Traditional IRA

o Roth IRA

o Unallocated Keogh

Income Annuities Available:

o Non-Qualified

o Traditional IRA

o Roth IRA

o Unallocated Keogh

A word about investment risk:

An investment in any of these variable annuities involves investment risk. You
could lose money you invest. 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 ...................................... C-PPA-4

Table of Expenses .................................................... C-PPA-6

Accumulation Unit Values Table ....................................... C-PPA-10

MetLife .............................................................. C-PPA-15

Metropolitan Life Separate Account E ................................. C-PPA-15

Variable Annuities ................................................... C-PPA-15

A Deferred Annuity ................................................ C-PPA-16

An Income Annuity ................................................. C-PPA-16

Your Investment Choices .............................................. C-PPA-17

Deferred Annuities ................................................... C-PPA-19

The Deferred Annuity and Your
Retirement Plan ................................................. C-PPA-19

Automated Investment Strategies ................................... C-PPA-19

Purchase Payments ................................................. C-PPA-21

Allocation of Purchase Payments ................................. C-PPA-21

Automated Purchase Payments ..................................... C-PPA-21

Limits on Purchase Payments ..................................... C-PPA-22

The Value of Your Investment ...................................... C-PPA-22

Transfers ......................................................... C-PPA-23

Access to Your Money .............................................. C-PPA-24

Systematic Withdrawal Program ................................... C-PPA-24

Minimum Distribution ............................................ C-PPA-26

Contract Fee ...................................................... C-PPA-26

Charges ........................................................... C-PPA-26

Insurance-Related Charge ........................................ C-PPA-26

Investment-Related Charge ....................................... C-PPA-26

Premium Taxes ..................................................... C-PPA-27

Early Withdrawal Charges .......................................... C-PPA-27

When No Early Withdrawal Charge Applies ......................... C-PPA-28

When Another Early Withdrawal Charge May Apply .................. C-PPA-30

Free Look ......................................................... C-PPA-31

Death Benefit ..................................................... C-PPA-31

Pay-out Options (or Income Options) ............................... C-PPA-32

C-PPA-2
<PAGE>

Income Annuities ..................................................... C-PPA-33

Income Payment Types .............................................. C-PPA-34

Minimum Size of Your Income Payment ............................... C-PPA-35

The Value of Your Income Payments ................................. C-PPA-35

Transfers ......................................................... C-PPA-36

Contract Fee ...................................................... C-PPA-37

Charges ........................................................... C-PPA-37

Insurance-Related Charge ........................................ C-PPA-37

Investment-Related Charge ....................................... C-PPA-38

Premium Taxes ..................................................... C-PPA-38

Free Look ......................................................... C-PPA-38

General Information .................................................. C-PPA-38

Administration .................................................... C-PPA-38

Purchase Payments ............................................... C-PPA-38

Confirming Transactions ......................................... C-PPA-39

Processing Transactions ......................................... C-PPA-39

By Telephone or Internet ...................................... C-PPA-39

After Your Death .............................................. C-PPA-40

Third Party Requests .......................................... C-PPA-40

Valuation ..................................................... C-PPA-41

Advertising Performance C-PPA-41

Changes to Your Deferred Annuity or
Income Annuity .................................................. C-PPA-42

Voting Rights ..................................................... C-PPA-43

Who Sells the Deferred Annuities and
Income Annuities ................................................ C-PPA-44

Financial Statements .............................................. C-PPA-44

Your Spouse's Rights .............................................. C-PPA-44

When We Can Cancel Your Deferred Annuity or
Income Annuity .................................................. C-PPA-45

Income Taxes ......................................................... C-PPA-45

Table of Contents for the Statement of Additional Information ........ C-PPA-55

Appendix for Premium Tax Table ....................................... C-PPA-56

[GRAPHIC OMITTED]

C-PPA-3
<PAGE>

[GRAPHIC OMITTED]

Important Terms You Should Know

Account Balance

Accumulation Unit Value

Annuity Unit Value

Assumed Investment Return (AIR)

Contract

A contract is the legal agreement between you and MetLife or between MetLife and
the employer, plan trustee or other entity, or the certificate issued to you
under a group annuity contract. You as the participant or annuitant receive a
certificate under the Contract. This document contains relevant provisions of
your Deferred Annuity or Income Annuity. MetLife issues contracts for each of
the annuities described in this Prospectus.

Contract Year

Generally, the Contract Year for a Deferred Annuity is the period ending on the
last day of the month in which the anniversary of when we issued the annuity
occurs and each following 12 month period. However, for the unallocated Keogh
Deferred Annuity depending on underwriting and plan requirements, the first
Contract Year may range from the initial three to 15 month period after the
contract is issued.

C-PPA-4
<PAGE>

Early Withdrawal Charge

The early withdrawal charge is the amount we deduct from your Account Balance in
addition to your requested withdrawal amount if you withdraw money prematurely
from a Deferred Annuity. This charge is often referred to as a deferred sales
load or back-end sales load.

Investment Division

MetLife

Metropolitan Life Insurance Company is the company that issues the Deferred
Annuities and Income Annuities. Throughout this Prospectus, MetLife is also
referred to as "we," "us" or "our."

MetLife Designated Office

Separate Account

Variable Annuity

You

In this Prospectus, depending on the context, "you" may mean either the
purchaser of the Deferred Annuity or Income Annuity or the participant or
annuitant for whom money is invested under group arrangements. In cases where we
are referring to giving instructions or making payments to us for the
unallocated Keogh Deferred Annuity, "you" means the trustee of the Keogh plan.

C-PPA-5
<PAGE>

The following table shows the Separate Account, Metropolitan Fund and Zenith
Fund charges and expenses. The numbers in the table for the Separate Account,
the Zenith Fund and for all Portfolios of the Metropoilitan Fund except the
Portfolios to be introduced on or about July 5, 2000 are based on past
experience. The numbers for the Portfolios to be introduced on or about July 5,
2000 are estimates for the current year. The numbers in the table are subject to
change. The table is not intended to show your actual total combined expenses of
the Separate Account, Metropolitan Fund and Zenith Fund which may be higher or
lower. It does not show fees for the Fixed Interest Account or premium taxes
which may apply. We have provided examples to show you the impact of Separate
Account, Metropolitan Fund and Zenith Fund charges and expenses on a
hypothetical investment of $1,000 that has an assumed 5% annual return on the
investment.

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

Separate Account, Metropolitan Fund and Zenith Fund expenses for the fiscal year
ending December 31, 1999:

Contract Owner Transaction Expenses For All Investment Divisions Currently
Offered

Sales Load Imposed on Purchases................................ None

Deferred Sales Load (as a percentage of the purchase payment
funding the withdrawal during the accumulation period) (1).... From 0% to 7%

Exchange Fee................................................... None

Surrender Fee.................................................. None

Annual Contract Fee (2)........................................... None

Separate Account Annual Expenses (as a percentage of average
account value) (3)

General Administrative Expenses Charge......................... .20%

Mortality and Expense Risk Charge.............................. .75%

Total Separate Account Annual Expenses......................... .95%

Metropolitan Fund Annual Expenses (as a percentage of average net assets)

<TABLE>
<CAPTION>
------------------------------
MANAGE- OTHER EXPENSES TOTAL EXPENSES OTHER EXPENSES TOTAL EXPENSES
MENT BEFORE BEFORE AFTER AFTER
FEES REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Portfolio (8)........ .25 .15 .40 .15 .40
State Street Research Income Portfolio (4)(5)............. .32 .06 .38 .06 .38
State Street Research Diversified Portfolio (4)(5)(6)..... .43 .03 .46 .02 .45
MetLife Stock Index Portfolio (4)......................... .25 .04 .29 .04 .29
Harris Oakmark Large Cap Value Portfolio (5)(6)(8)........ .75 .40 1.15 .19 .94
T. Rowe Price Large Cap Growth Portfolio (5)(6)(8)........ .69 .62 1.31 .24 .93
State Street Research Growth Portfolio (4)(5)(6).......... .47 .04 .51 .02 .49
Putnam Large Cap Growth Portfolio (11)(12)................ .80 .59 1.39 .20 1.00
MetLife Mid Cap Stock Index Portfolio (11)(12)............ .25 .65 .90 .20 .45
Neuberger Berman Partners Mid Cap Value
Portfolio (5)(6)(8)...................................... .70 .48 1.18 .06 .76
Janus Mid Cap Portfolio (5)(7)............................ .67 .04 .71 .04 .71
State Street Research Aggressive Growth
Portfolio (4)(5)(6) ..................................... .70 .04 .74 .02 .72
------------------------------
</TABLE>

C-PPA-6
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES (continued)
- --------------------------------------------------------------------------------

Metropolitan Fund Annual Expenses
(as a percentage of average net asset)(continued)

<TABLE>
<CAPTION>
------------------------------
MANAGE- OTHER EXPENSES TOTAL EXPENSES OTHER EXPENSES TOTAL EXPENSES
MENT BEFORE BEFORE AFTER AFTER
FEES REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
Loomis Sayles High Yield Bond Portfolio (7)............... .70 .24 .94 .24 .94
Russell 2000(Registered) Index Portfolio (8)(9)........... .25 .64 .89 .30 .55
T. Rowe Price Small Cap Growth Portfolio (5)(7)........... .52 .09 .61 .09 .61
State Street Research Aurora Small Cap Value
Portfolio (5)(11)(12).................................... .85 .23 1.08 .20 1.05
Scudder Global Equity Portfolio (5)(7).................... .67 .20 .87 .20 .87
Morgan Stanley EAFE(Registered) Index Portfolio (8)(10)... .30 1.47 1.77 .36 .66
Putnam International Stock Portfolio (4)(5) .............. .90 .22 1.12 .22 1.12
------------------------------
</TABLE>

<TABLE>
<CAPTION>
Zenith Fund Annual Expenses
(as a percentage of average net asset)
------------------------------
MANAGE- OTHER EXPENSES TOTAL EXPENSES OTHER EXPENSES TOTAL EXPENSES
MENT BEFORE BEFORE AFTER AFTER
FEES REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
Davis Venture Value Series (11)(13)....................... .75 .06 .81 .06 .81
Loomis Sayles Small Cap Series (11)(13)(14)............... .90 .10 1.00 .10 1.00
</TABLE>

Example

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- ----------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Division.......... $77 $87 $101 $163
State Street Research Income Division.................. 76 87 100 161
State Street Research Diversified Division............. 77 89 104 170
MetLife Stock Index Division........................... 75 84 95 151
Harris Oakmark Large Cap Value Division................ 84 111 140 245
T. Rowe Price Large Cap Growth Division ............... 86 116 149 262
State Street Research Growth Division ................ 78 91 106 175
Davis Venture Value Division........................... 81 100 122 208
Putnam Large Cap Growth Growth Division................ 83 106 133 229
MetLife Mid Cap Stock Index Division................... 77 89 103 169
Neuberger Berman Partners Mid Cap Value Division....... 85 112 142 248
Janus Mid Cap Division................................. 80 97 117 198
State Street Research Aggressive Growth Division....... 80 98 119 201
Loomis Sayles High Yield Bond Division................. 82 104 129 223
Russell 2000(Registered) Index Division................ 82 103 127 218
T. Rowe Price Small Cap Growth Division................ 79 94 112 187
Loomis Sayles Small Cap Division....................... 83 106 133 230
State Street Research Aurora Small Cap Value Division.. 83 108 135 234
Scudder Global Equity Division ........................ 81 102 126 215
Morgan Stanley EAFE(Registered) Index Division......... 91 130 172 308
Putnam International Stock Division ................... 84 110 139 242
</TABLE>

C-PPA-7
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES (continued)
- --------------------------------------------------------------------------------

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- ----------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Division.......... $14 $43 $74 $163
State Street Research Income Division ................. 14 42 73 161
State Street Research Diversified Division ............ 14 45 78 170
MetLife Stock Index Division .......................... 13 40 68 151
Harris Oakmark Large Cap Value Division ............... 22 66 114 245
T. Rowe Price Large Cap Growth Division ............... 23 71 122 262
State Street Research Growth Division ................. 15 46 80 175
Davis Venture Value Division........................... 18 56 96 208
Putnam Large Cap Growth Division....................... 20 62 106 229
MetLife Mid Cap Stock Index Division................... 14 45 77 169
Neuberger Berman Partners Mid Cap Value Division....... 22 67 116 248
Janus Mid Cap Division ................................ 17 53 91 198
State Street Research Aggressive Growth Division ...... 17 54 92 201
Loomis Sayles High Yield Bond Division ................ 19 60 103 223
Russell 2000(Registered) Index Division................ 19 58 100 218
T. Rowe Price Small Cap Growth Division................ 16 50 86 187
Loomis Sayles Small Cap Division....................... 20 62 106 230
State Street Research Aurora Small Cap Value Division.. 21 63 109 234
Scudder Global Equity Division......................... 19 58 99 215
Morgan Stanley EAFE(Registered) Index Division......... 28 85 146 308
Putnam International Stock Division.................... 21 66 113 242
</TABLE>

(2) A $20 annual contract fee may be imposed on money in the Fixed Interest
Account. This fee may be waived under certain circumstances.

(3) Pursuant to the terms of the Contract, our total Separate Account Annual
Expenses will not exceed .95% of your average balance in the investment
divisions. For purposes of presentation here, we estimated the allocation
between general administrative expenses and the mortality and expense risk
charge.

(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 Reimbursements"
reflects this reduction. The effect of the reduction is that performance
results are increased.

C-PPA-8
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES (continued)
- --------------------------------------------------------------------------------

Portfolios on December 31, 1997, January 22, 1998, July 2, 1998 and March
2, 1999, respectively. All expense information for these Portfolios
reflect current expenses without any reimbursement. The effect of such
reimbursements is that performance results are increased.

(9) MetLife ceased subsidizing expenses in excess of .20% of the average net
assets of the Russell 2000(Registered) Index Portfolio on December 3,
1999. Beginning on February 22, 2000, MetLife began to pay all Expenses in
excess of .30% of the average net assets for the Russell 2000(Registered)
Index Portfolio until the Portfolio's total assets reach $200 million, or
until April 30, 2001, whichever comes first. The "Other Expenses Before
Reimbursement" information for this Portfolio assumes no reduction of
expenses of any kind. The "Other Expenses After Reimbursement" for this
Portfolio reflects expenses as if the Expense reimbursement will be in
effect for the entire current year.

(11) Subject to state approvals, these Portfolios will become available under
the Deferred Annuities and Income Annuities on or about July 5, 2000.

(13) New England Investment Management, Inc. ("NEIM") pays us for providing
administrative services. You do not bear these fees. NEIM absorbs the fees
payable to MetLife.

C-PPA-9
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Division ............................ 1999 $10.12 $9.89 61
1998 10.00(d) 10.12 11

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
State Street Research Income Division .............................. 1999 35.52 34.38 114
1998 32.77 35.52 161
1997 30.13 32.77 139
1996 29.36 30.13 128
1995 24.79 29.36 123
1994 25.83 24.79 125
1993 23.43 25.83 151
1992 22.12 23.43 0
1991 19.02 22.12 0
1990 17.91(a) 19.02 0
</TABLE>

[GRAPHIC OMITTED]

C-PPA-10
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
State Street Research Diversified Division ......................... 1999 $39.79 $42.85 365
1998 33.57 39.79 415
1997 28.11 33.57 390
1996 24.78 28.11 371
1995 19.69 24.78 346
1994 20.51 19.69 341
1993 18.36 20.51 360
1992 16.93 18.36 50
1991 13.68 16.93 0
1990 14.34 (a) 13.68 0

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
MetLife Stock Index Division ....................................... 1999 41.28 49.39 733
1998 32.50 41.28 748
1997 24.83 32.50 701
1996 20.44 24.83 629
1995 15.07 20.44 518
1994 15.04 15.07 432
1993 13.86 15.04 399
1992 13.02 13.86 12
1991 10.13 13.02 0
1990 10.85(a) 10.13 0

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
Harris Oakmark Large Cap Value Division ............................ 1999 9.72 8.96 15
1998 10.00(d) 9.72 2
</TABLE>

C-PPA-11
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
T. Rowe Price Large Cap Growth Division ............................ 1999 $11.01 $13.33 29
1998 10.00(d) 11.01 3

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
State Street Research Growth Division .............................. 1999 76.19 89.41 399
1998 60.00 76.19 445
1997 47.19 60.00 443
1996 38.99 47.19 402
1995 29.57 38.99 334
1994 30.85 29.57 296
1993 27.22 30.85 258
1992 24.63 27.22 5
1991 18.67 24.63 0
1990 21.66(a) 18.67 0

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
Neuberger Berman Partners Mid Cap Value Division ................... 1999 10.73 12.50 8
1998 10.00(d) 10.73 5

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
Janus Mid Cap Division ............................................. 1999 17.29 38.18 239
1998 12.72 17.29 100
1997 10.00(b) 12.72 54
</TABLE>

C-PPA-12
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
State Street Research Aggressive Growth Division ................... 1999 $42.82 $56.52 265
1998 38.02 42.82 321
1997 35.98 38.02 340
1996 33.72 35.98 341
1995 26.29 33.72 254
1994 27.05 26.29 189
1993 22.26 27.05 163
1992 20.37 22.26 1
1991 12.35 20.37 0
1990 14.85(a) 12.35 0

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
Loomis Sayles High Yield Bond Division ............................. 1999 9.65 11.26 35
1998 10.53 9.65 33
1997 10.00(b) 10.53 15

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
Russell 2000(Registered) Index Division ............................ 1999 10.53 12.81 37
1998 10.00(d) 10.53 16

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
T. Rowe Price Small Cap Growth Division ............................ 1999 12.08 15.32 75
1998 11.79 12.08 94
1997 10.00(b) 11.79 85
</TABLE>

C-PPA-13
<PAGE>

[LINE CHART]

<S> <C> <C> <C> <C>
Scudder Global Equity Division ..................................... 1999 $12.49 $15.49 64
1998 10.88 12.49 88
1997 10.00(b) 10.88 62

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
Morgan Stanley EAFE(Registered) Index Division ..................... 1999 10.80 13.36 50
1998 10.00(d) 10.80 13

<CAPTION>
[LINE CHART]

<S> <C> <C> <C> <C>
Putnam International Stock Division ................................ 1999 16.43 18.96 272
1998 13.54 16.43 318
1997 13.99 13.54 324
1996 14.38 13.99 368
1995 14.40 14.38 396
1994 13.84 14.40 446
1993 9.45 13.84 339
1992 10.63 9.45 1
1991 10.00(c) 10.63 0
</TABLE>

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

In addition to the above mentioned Accumulation Units, there were cash reserves
of $45,884,050 as of December 31, 1999, applicable to Income Annuities
(including those not described in this Prospectus) receiving annuity payouts.

(a) Inception Date July 2, 1990.

(b) Inception Date March 3, 1997.

(d) Inception Date November 9, 1998.

C-PPA-14
<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 is 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-form a 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 with over 33 million employees and members.

Metropolitan Life Separate Account E

Variable Annuities

C-PPA-15
<PAGE>

risk. The degree of risk will depend on the investment divisions you select. The
Accumulation Unit Value or Annuity Unit Value for each investment division rises
or falls based on the investment performance (or "experience") of the Portfolio
with the same name.

A Deferred Annuity

The pay-out phase begins when you either take all of your money out of the
account or elect to have us pay you "income" payments using the money in your
account. The number and the amount of the income payments you receive will
depend on such things as the type of pay-out option you choose, your investment
choices, and the amount used to provide your income payments. Because Deferred
Annuities offer various insurance benefits such as of pay-out options, including
our guarantee of income for your lifetime, they are "annuities."

All IRAs receive tax deferral under the Internal Revenue Code. There are no
additional tax benefits by funding an IRA with an Deferred Annuities. Therefore,
there should be reasons other than tax deferral for acquiring the Deferred
Annuity, such as the availability of a guaranteed income for life and the death
benefit, for acquiring the Deferred Annuity.

An Income Annuity

An Income Annuity, also known as an immediate annuity, only has a "pay-out"
phase. You make a single purchase payment and select the type of pay-out option
suited to your needs. Some of the pay-out options guarantee an income stream for
your lifetime; others guarantee an income stream for both your lifetime, as well
as the lifetime of another person (such as a spouse). Some Income Annuities
guarantee a time period of your choice over which MetLife will make income
payments. Income Annuities also have other features. The amount of the income
payments you receive will depend on such things as the type of pay-out option
you choose, your investment choices and the amount of your purchase payment.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

The group Deferred Annuities and group Income Annuities described in this
Prospectus are offered to an employer, association, trust or other group for its
employees, members or participants.

An Deferred Annuity consists of two phases: the accumulation or "pay-in" phase
and the income or "pay-out" phase.
- --------------------------------------------------------------------------------

C-PPA-16
<PAGE>

Your Investment Choices

The Metropolitan Fund, the Zenith Fund and each of their Portfolios are more
fully described in their respective prospectuses and SAIs. The Metropolitan Fund
and the Zenith Fund prospectuses are attached at the end of this Prospectus. You
should read these prospectuses carefully before making purchase payments to the
investment divisions. The SAIs are available upon your request.

Your 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 appropriate Fund prospectus for more
information regarding the investment objectives and investment practices of each
Portfolio. Since your Account Balance or income payments are subject to the
risks associated with investing in stocks and bonds your Account Balance or
variable income payments based on amounts allocated to the investment divisions
may go down as well as up. The following list of investment choices includes
five Portfolios that, subject to state approval, we anticipate will be available
on or about July 5, 2000:

Lehman Brothers Aggregate Bond Index Portfolio
State Street Research Income Portfolio
State Street Research Diversified Portfolio
MetLife Stock Index Portfolio
Harris Oakmark Large Cap Value Portfolio
T. Rowe Price Large Cap Growth Portfolio
State Street Research Growth Portfolio
Davis Venture Value Portfolio
Putnam Large Cap Growth Portfolio
MetLife Mid Cap Stock Index Portfolio
Neuberger Berman Partners Mid Cap Value Portfolio
Janus Mid Cap Portfolio
State Street Research Aggressive Growth Portfolio
Loomis Sayles High Yield Bond Portfolio
Russell 2000(Registered) Index Portfolio
T. Rowe Price Small Cap Growth Portfolio
Loomis Sayles Small Cap Portfolio
State Street Research Aurora Small Cap Value Portfolio
Scudder Global Equity Portfolio
Morgan Stanley EAFE(Registered) Index Portfolio
Putnam International Stock Portfolio

[GRAPHIC OMITTED]

- --------------------------------------------------------------------------------
The degree of investment risk you assume will depend on the investment divisions
you choose. We have listed your choices (including those anticipated to be
available July 5, 2000) in the approximate order of risk from the most
conservative to the most aggressive.

The investment divisions generally offer the opportunity for greater returns
over the long term than our guaranteed fixed rate option.

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 investment divisions and Portfolios are
not those mutual funds. The Portfolios most likely will not have the same
performance experience as any publicly available mutual fund.
- --------------------------------------------------------------------------------

C-PPA-17
<PAGE>

o Some of the investment divisions are not approved in your state.

o Your employer, association or other group contract holder limits the
number of available investment divisions.

o We have restricted the available investment divisions.

o For Income Annuities, some states limit you to four choices (four
investment divisions or three investment divisions and the Fixed Income
Option).

The investment divisions buy and sell shares of corresponding mutual fund
portfolios. These Portfolios, which are part of either the Metropolitan Fund or
the Zenith 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 to you under the Deferred Annuities or
Income Annuities. You pay no transaction expenses (i.e., front end 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 and the Zenith
Fund are available only by purchasing annuities and life insurance policies from
MetLife or certain of its affiliated insurance companies and are never sold
directly to the public.

The Metropolitan Fund and the Zenith Fund are both 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 fund. Except for the Janus Mid Cap Portfolio, 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. The Zenith Fund pays New England Investment Management, Inc.
("NEIM") a monthly fee as its investment manager. These fees, as well as the
operating expenses paid by each Portfolio, are described in the applicable
prospectus and SAI for the Metropolitan Fund or Zenith Fund.

In addition, the Metropolitan Fund and Zenith Fund prospectuses each discuss
other separate accounts of MetLife and its affiliated insurance companies that

C-PPA-18
<PAGE>

invest in the Metropolitan Fund or the Zenith Fund. The risks of these
arrangements are also discussed in each Fund's prospectus.

Deferred Annuities

This Prospectus describes four kinds of Deferred Annuities under which you can
accumulate money:

o Non-Qualified

o Traditional IRA (Individual Retirement Annuities)

o Roth IRAs (Roth Individual Retirement Annuities)

o Unallocated Keogh

[GRAPHIC OMITTED]

Certain group Deferred Annuities may be issued to a bank that does nothing but
hold them as contract holder. Deferred Annuities may be either:

o Allocated (your Account Balance records are kept for you as an
individual); or

o Unallocated (Account Balance records are kept for a plan or group as a
whole).

The Deferred Annuity and Your Retirement Plan

If you participate through a retirement plan, the Deferred Annuity may provide
that all or some of your rights as described in this Prospectus are subject to
the plan's terms. Limitations on your rights may apply to investment choices,
automated investment strategies, purchase payments, withdrawals, transfers, the
death benefit and pay-out options. The Deferred Annuity may provide that a plan
administrative fee will be paid by making a withdrawal from your Account
Balance. We may rely on your employer's or plan administrator's statements to us
as to the terms of the plan or your entitlement to any amounts. We will not be
responsible for determining what your plan says. You should consult the Deferred
Annuity contract and plan document to see how you may be affected.

Automated Investment Strategies

There are five automated investment strategies available to you. These
investment strategies are available to you without any additional charges.
However, the investment strategies are not available for the unallocated

C-PPA-19
<PAGE>

Keogh Deferred Annuities. As with any investment program, no strategy can
guarantee a gain - you can lose money. We may modify or terminate any of the
strategies at any time. You may have only one automated investment strategy in
effect at a time.

The Equalizer(Service Mark): You start with equal amounts of money in the Fixed
Interest Account and your choice of either the MetLife Stock Index Division or
the State Street Research Aggressive Growth Division. Each quarter amounts are
transferred between the Fixed Interest Account and, your chosen investment
division to make the value of each equal. Say you choose the MetLife Stock Index
Division. If over the quarter, it outperforms the Fixed Interest Account, money
is transferred to the Fixed Interest Account. Conversely, if the Fixed Interest
Account outperforms the MetLife Stock Index Division, money is transferred into
the MetLife Stock Index Division.

The Index Selector(Service Mark): You may select one of five asset allocation
models which are designed to correlate to various risk tolerance levels. Based
on the model you choose, your Account Balance is divided among the Lehman
Brothers Aggregate Bond Index, MetLife Stock Index, Morgan Stanley
EAFE(Registered) Index, Russell 2000(Registered) Index and MetLife Mid Cap Stock
Index (available on or about July 5, 2000) investment divisions and the Fixed
Interest Account. On or about July 5, 2000, the models will be revised to
include the MetLife Mid Cap Stock Index Division. Each quarter, the percentage
in each of these investment divisions and the Fixed Interest Account is brought
back to the original percentage by transferring amounts among the investment
divisions and the Fixed Interest Account.

- --------------------------------------------------------------------------------
We created these investment strategies to help you manage your money. You decide
if one is appropriate for you, based upon your risk tolerance and savings goals.
Also, these strategies were designed to help you take advantage of the
tax-deferred status of a Non-Qualified annuity.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

C-PPA-20
<PAGE>

Purchase Payments

You may continue to make purchase payments while you receive Systematic
Withdrawal Program payments, as described later in this Prospectus, unless your
purchase payments are made through automatic payroll deduction, check-o-matic,
salary reduction or salary deduction.

Allocation of Purchase Payments

You decide how your money is allocated among the Fixed Interest Account and the
investment divisions. You can change your allocations for future purchase
payments. We will make allocation changes when we receive your request for a
change. You may also specify an effective date for the change, as long as it is
within 30 days after we receive the request.

Automated Purchase Payments

If you purchase a Non-Qualified Deferred Annuity, you may elect to have purchase
payments made automatically. With "automatic payroll deduction," your employer
deducts an amount from your salary and makes the purchase payment for you. With
"check-o-matic" your bank deducts money from your checking account and makes the
purchase payment for you.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You may make purchase payments to your Deferred Annuity whenever you choose, up
to the date you begin receiving payments from a pay-out option. However, Federal
tax rules may limit the amount and frequency of your purchase payments.
- --------------------------------------------------------------------------------

C-PPA-21
<PAGE>

Limits on Purchase Payments

Your ability to make purchase payments may be limited by:

o Federal tax laws.

o Our right to limit the total of your purchase payments to $500,000. For
the unallocated Keogh Deferred Annuity, we limit purchase payments to
$5,000,000 per year. We may change the maximum by telling you in writing
at least 90 days in advance.

o For the unallocated Keogh Deferred Annuity, a withdrawal should you leave
your job.

o For certain Deferred Annuities, you may no longer make purchase payments
if you retire.

o Receiving systematic termination payments (described later).

The Value of Your Investment

This is how we calculate the Accumulation Unit Value for each investment
division:

o First, we determine the change in investment performance (including any
investment-related charge) for the underlying Portfolio from the previous
trading day to the current trading day;

o Finally, we multiply the previous Accumulation Unit Value by this result.

[GRAPHIC OMITTED]

C-PPA-22
<PAGE>

Examples

Calculating the Number of Accumulation Units

Assume you make a purchase payment of $500 into one investment division and that
investment division's Accumulation Unit Value is currently $10.00. You would be
credited with 50 accumulation units.

$500 = 50 accumulation units
---
10

Calculating the Accumulation Unit Value

$10.00 x 1.05 = $10.50 is the new Accumulation Unit Value

$10.00 x .95 = $9.50 is the new Accumulation Unit Value

Transfers

You can make tax-free transfers between investment divisions or between the
investment divisions and the Fixed Interest Account. Some restrictions may apply
to transfers from the Fixed Interest Account to the investment divisions. For us
to process a transfer, you must tell us:

o The percentage or dollar amount of the transfer;

o The investment divisions (or Fixed Interest Account) from which you want
the money to be transferred;

o The investment divisions (or Fixed Interest Account) to which you want the
money to be transferred; and

o Whether you intend to start, stop or modify an automated investment
strategy by making the transfer.

Each Fund may restrict or refuse purchases or redemptions of shares in their
Portfolios as a result of certain market timing activities. You should read the
Fund prospectuses for more details.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

C-PPA-23
<PAGE>

We may require you to:

o Use our forms;

o Maintain a minimum Account Balance (if the transfer is in connection with
an automated investment strategy); or

o Transfer a minimum amount if the transfer is in connection with the
Allocator.

Access To Your Money

o The percentage or dollar amount of the withdrawal; and

o The investment division (or Fixed Interest Account) from which you want
the money to be withdrawn.

Systematic Withdrawal Program

If you have certain Non-Qualified or IRA Deferred Annuities, subject to approval
in your state, you may choose to automatically withdraw a specific dollar amount
or a percentage of your Account Balance each Contract Year. This amount is then
paid in equal portions throughout the Contract Year, according to the time frame
you select, e.g., monthly, quarterly, semi-annually or annually. Once the
Systematic Withdrawal Program is initiated, the payments will automatically
renew each Contract Year. Income taxes, tax penalties and early withdrawal
charges may apply to your withdrawals.

- --------------------------------------------------------------------------------
Income taxes, tax penalties and early withdrawal charges may apply to any
withdrawal you make.

[GRAPHIC OMITTED]

We will withdraw your systematic withdrawal program payments from the Fixed
Interest Account or the investment divisions you select either pro rata or in
the proportions you request. Each payment must be at least $50.
- --------------------------------------------------------------------------------

C-PPA-24
<PAGE>

Selecting a Payment Date: Your payment date is the date we make the withdrawal.
When you select or change a payment date, we must receive your request at least
10 days prior to the selected date. If we do not receive your request in time,
we will make the payment a month after the date you selected. If you do not
select a payment date, we will automatically begin systematic withdrawals within
30 days after we receive your request. Changes in the dollar amount, percentage,
or timing of payments can be made once a year at the beginning of any Contract
Year. However, we must receive your request at least 30 days in advance. If you
make any of these changes we will treat your request as though you were starting
a new Systematic Withdrawal Program.

Systematic Withdrawal Program payments may be subject to an early withdrawal
charge unless an exception to this charge applies. For purposes of determining
how much of the annual payment amount is exempt from this charge under the free
withdrawal provision (discussed later), all Systematic Withdrawal Program
payments in a Contract Year are characterized as a single lump sum withdrawal as
of your first payment date in that Contract Year. When you first elect the
program, we will calculate the percentage of your Account Balance your
Systematic Withdrawal Program payment represents based on your Account Balance
on the first Systematic Withdrawal Program payment date. For all subsequent
Contract Years, we will calculate the percentage of your Account Balance your
Systematic Withdrawal Program payment represents based on your Account Balance
on the first Systematic Withdrawal Program payment date of that Contract Year.
We will determine separately the early withdrawal charge and any relevant
factors (such as applicable exceptions) for each Systematic Withdrawal Program
payment as of

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

If you would like to receive your Systematic Withdrawal payment by the first of
the month, you should request that the payment date be the 20th day of the
month.

Your Account Balance will be reduced by the amount of your Systematic Withdrawal
payments and applicable withdrawal charges. Payments under this program are not
the same as income payments you would receive from a Deferred Annuity pay-out
option or under an Income Annuity.
- --------------------------------------------------------------------------------

C-PPA-25
<PAGE>

the date it is withdrawn from your Deferred Annuity.

Minimum Distribution

Contract Fee

There is no Separate Account annual contract fee. You may pay a $20 annual fee
from the Fixed Interest Account at the end of each Contract Year if your Account
Balance is less than a certain amount.

Charges

There are two types of charges you pay while you have money in an investment
division:

o Insurance-related charge, and

o Investment-related charge.

Insurance-Related Charge

You will pay an insurance-related charge for the Separate Account that is no
more than .95% annually of the average value of the amount you have in the
Separate Account. This charge pays us for general administrative expenses and
for the mortality and expense risk of the Deferred Annuity.

General administrative expenses we incur include financial, actuarial,
accounting, and legal expenses.

Investment-Related Charge

This charge has two components. The first pays the investment manager for
managing money in the Portfolios. The second consists of Portfolio operating
expenses. The percentage you pay depends on which divisions you select. Amounts
for each investment division for the previous year are listed in the Table of
Expenses.

MetLife guarantees that the Separate Account insurance-related charge will not
increase while you have a Deferred Annuity.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

C-PPA-26
<PAGE>

Premium Taxes

Early Withdrawal Charges

- --------------------------------------------------------------------------------
You will not pay an early withdrawal charge on any purchase payments made more
than 7 years ago.

C-PPA-27
<PAGE>

The early withdrawal charge on purchase payments withdrawn is as follows:

During Purchase Payment Year

Year 1 2 3 4 5 6 7 8 & Later

Percentage 7% 6% 5% 4% 3% 2% 1% 0%

Early withdrawal charges may be waived for certain Deferred Annuities because we
have reduced sales costs associated with them.

By law, your total early withdrawal charges applied to amounts in the investment
divisions will never exceed 9% of all your purchase payments in the investment
divisions.

When No Early Withdrawal Charge Applies

In some cases, we will not charge you the early withdrawal charge when you make
a withdrawal. We may, however, ask you to prove that you meet any conditions
listed below.

You do not pay an early withdrawal charge:

o On transfers you make among the investment divisions or to the Fixed
Interest Account.

o On withdrawals of purchase payments you made over seven years ago.

o If you choose payments over one or more lifetimes or for a period of at
least five years (without the right to accelerate the payments).

o If you die during the pay-in phase. Your beneficiary will receive the full
death benefit without deduction.

o If you withdraw the permitted free withdrawal each Contract Year. This
total withdrawal may be taken in an unlimited number of partial
withdrawals during that Contract Year. Each time you make a withdrawal, we
calculate what percentage your withdrawal represents at that time. Only
when the total of these percentages exceeds the specified percentage will
you have to pay early withdrawal charges. For the unallocated Keogh and
certain other Deferred Annuities, generally you are allowed to take the
"free withdrawal" on top of any other withdrawals which are otherwise
exempt from the early withdrawal charge. This is not true if your other
withdrawals are in connection with a systematic termination or purchase
payments made over 7 years ago.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

C-PPA-28
<PAGE>

The percentage of your Account Balance you are permitted without an early
withdrawal charge is for:

o Unallocated Keogh Deferred Annuity, 20%.

o Non-Qualified and IRA Deferred Annuities (depending on the
Contract's terms), either 10% of your Account Balance or 10% of your
Fixed Interest Account balance only.

o If the withdrawal is required for you to avoid Federal income tax
penalties or to satisfy Federal income tax rules or Department of Labor
regulations that apply to your Deferred Annuity.

o Except for the unallocated Keogh Deferred Annuity, if your contract
provides for this, and the provision is approved in your state, on your
first withdrawal to which an early withdrawal charge would otherwise apply
and either you or your spouse:

o Has been a resident of certain nursing home facilities for a minimum
of 90 consecutive days; or

o Is diagnosed with a terminal illness and not expected to live more
than a year.

o On Systematic Termination. For the unallocated Keogh Deferred Annuity, if
the contract is terminated, the Account Balance may be systematically
withdrawn in annual installments without early withdrawal charges. You may
ask to receive your money in annual installments based on the following
percentages of your Account Balance for that year's withdrawal:

Contract Year

1* 2 3 4 5

20% 25% 33 1/3% 50% remainder

* Less that Contract Year's withdrawals

Any money you withdraw in excess of these percentages in any Contract Year will
be subject to early withdrawal charges. You may stop the systematic termination
of the contract. If you ask to restart systematic termination, you start at the
beginning of the schedule listed above.

o For the unallocated Keogh Deferred Annuity, if you are disabled and you
request a total withdrawal. Disability is defined in the Federal Social
Security Act. If the Deferred Annuity is issued in connection with your
retirement plan which is subject to the Employee Retirement Income
Security Act of 1974, and if your plan document defines disability, then
your plan's definition governs.

C-PPA-29
<PAGE>

o If you retire:

o For certain Non-Qualified Deferred Annuities, if you retire from the
employer and for certain others if you retire and receive retirement
benefits from your employer's qualified plan.

o For certain IRA Deferred Annuities, if you retire from the employer.

o If you leave your job:

o For certain Non-Qualified Deferred Annuities, you must either leave
your job with the employer or certain others if you leave your job
and you receive retirement benefits.

o For certain IRA Deferred Annuities, if you leave your job with the
employer.

o If you are a "restricted" participant, according to the terms of the
unallocated Keogh Deferred Annuity, you also must have participated
for the time stated in the contract.

o For the unallocated Keogh Deferred Annuity, if your plan terminates and
the Account Balance is transferred into another annuity contract we issue.

o For the unallocated Keogh Deferred Annuity, if you make a direct transfer
to another investment vehicle we have preapproved. If you are a
"restricted" participant, according to the terms of the Deferred Annuity,
you also must roll over your Account Balance to a MetLife individual
retirement annuity within 120 days after you are eligible to receive a
plan distribution.

o For the unallocated Keogh Deferrred Annuity, if you suffer an unforeseen
hardship.

When Another Early Withdrawal Charge May Apply

If you transferred money from certain eligible MetLife contracts into an
Deferred Annuity, you may have different early withdrawal charges for these
transfer amounts. Any purchase payments made after the transfer are subject to
the usual early withdrawal charge schedule.

o Amounts transferred before January 1, 1996:

We credit your transfer amounts with the time you held them under your
original contract. Or, if it will produce a lower charge, we use the
following schedule to determine early withdrawal charges for transferred
amounts from your original contract:

[GRAPHIC OMITTED]

C-PPA-30
<PAGE>

During Purchase Payment Year

Year 1 2 3 4 5 6 and Beyond

Percentage 5% 4% 3% 2% 1% 0%

o Transferred amounts on or after January 1, 1996:

o For certain contracts which we issued at least two years before the
date of the transfer, we apply the withdrawal charge under your
original contract but not any of the original contract's exceptions
or reductions to the withdrawal charge percentage that do not apply
to a Deferred Annuity. Or, if it will produce a lower charge, we use
the following schedule to determine early withdrawal charges for
transferred amounts from your original contract:

After the Transfer

Year 1 2 3 4 5 6 and Beyond

Percentage 5% 4% 3% 2% 1% 0%

o Alternatively, if provided for in the Deferred Annuity, we credit your
purchase payments with the time you held them under your original
contract.

Free Look

You may cancel the Deferred Annuity within a certain time period. This is known
as a "free look." We must receive your request to cancel in writing. The number
of days for this "free look" varies from state to state. The time period may
also vary depending on whether you purchased the Deferred Annuity through the
mail. Not all contracts issued are subject to free look provisions under state
law. Again, depending on state law, we may refund all of your purchase payments
or your Account Balance as of the date your refund request is received at your
MetLife Designated Office.

Death Benefit

One of the insurance guarantees we provide you under the Deferred Annuity is
that your beneficiaries will be protected against market downturns. You name the
beneficiary(ies) under the Non-Qualified and IRA Deferred Annuities.

[GRAPHIC OMITTED]

C-PPA-31
<PAGE>

If you die during the pay-in phase, the death benefit your beneficiary receives
will be the greatest of:

o Your Account Balance;

o The total of all of your purchase payments less any partial withdrawals.

Your death benefit for the unallocated Keogh Deferred Annuity is no more than
the Account Balance and is paid to the Keogh trustee.

We will only pay the death benefit when we receive both proof of death and
appropriate instructions for payment.

Pay-out Options (or Income Options)

You may convert your Deferred Annuity into a regular stream of income after your
"pay-in" or "accumulation" phase. When you are selecting your pay-out option,
you will be able to choose from the range of options we then have available. You
have the flexibility to select a stream of income to meet your needs. If you
decide you want a pay-out option, we withdraw some or all of your Account
Balance (less any premium taxes and applicable contract fees), then we apply the
net amount to the option. You are not required to hold your Deferred Annuity for
any minimum time period before you may annuitize. Generally, you may defer
receiving payments for up to one year after you have chosen your pay-out option.
The variable pay-out option may not be available in certain states.

When considering a pay-out option, you should think about whether you want:

o Payments guaranteed by us for the rest of your life (or for the rest of
two lives) or for a specified period;

o A fixed dollar payment or a variable payment;

o A refund feature.

Your income payment amount will depend upon your choices. For lifetime options,
the age and sex of the measuring lives (annuitants) will also be considered. For
example, if you select a pay-out option guaranteeing payments for your lifetime
and your spouse's lifetime, your payments will typically be lower than if you
select a pay-out option with payments over only your lifetime. The terms of the
contract supplement to your Deferred Annuity will tell you when your income
payments start and the frequency with which you will receive your income
payments.

- --------------------------------------------------------------------------------
The pay-out phase is often referred to as either "annuitizing" your contract or
taking an income annuity.

C-PPA-32
<PAGE>

By the date specified in your contract, if you do not either elect to continue
the contract, select a pay-out option or withdraw your entire Account Balance,
and your Deferred Annuity was not issued under a retirement plan, we will
automatically issue you a life annuity with a 10 year guarantee. In that case,
if you do not tell us otherwise, your Fixed Interest Account Balance will be
used to provide a Fixed Income Option and your Separate Account Balance will be
used to provide a variable pay-out option. However, if we do ask you what you
want us to do and you do not respond, then we may treat your silence as a
request to continue your Deferred Annuity.

Income Annuities

Income Annuities provide you with a regular stream of payments for either your
lifetime or a specific period. You have the flexibility to select a stream of
income to meet your needs. Income Annuities can be purchased so that you begin
receiving payments immediately or you can apply the Account Balance of the
Deferred Annuity to a pay-out option to receive payments during your "pay-out"
phase. With an Income Annuity, you must start receiving payments within the
first year after the annuity is issued. The Income Annuity currently may not be
available in certain states.

We do not guarantee that your variable payments will be a specific amount of
money. You may choose to have a portion of the payment fixed and guaranteed
under the Fixed Income Option.

Using proceeds from the following types of arrangements, you may purchase Income
Annuities to receive immediate payments:

o Non-Qualified

o Traditional IRAs

o Roth IRAs

o Unallocated Keogh

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You may choose the frequency of your income payments. For example, you may
receive your payments on a monthly, quarterly, semiannual or annual basis.
- --------------------------------------------------------------------------------

C-PPA-33
<PAGE>

Income Payment Types

Currently, we provide you with a wide variety of income payment types to suit a
range of personal preferences.

There are three people who are involved in payments under your Income Annuity:

o Owner: the person or entity which has all rights under the Income Annuity
including the right to direct who receives payment.

o Annuitant: the person whose life is the measure for determining the
duration and sometimes the dollar amount of payments.

o Beneficiary: the person who receives continuing payments or a lump sum if
the owner dies.

Your income payment amount will depend in large part on the type of income
payment you choose. For example, if you select an "Lifetime Income Annuity for
Two," your payments will typically be lower than if you select a "Lifetime
Income Annuity." The terms of your contract will determine when your income
payments start and the frequency with which you will receive your income
payments. The following income payment types are available:

Lifetime Income Annuity: A variable income that is paid as long as the annuitant
is living.

- --------------------------------------------------------------------------------
Many times the Owner and the Annuitant are the same person.

When deciding how to receive income, consider:

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.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

C-PPA-34
<PAGE>

Minimum Size of Your Income Payment

The Value of Your Income Payments

Annuity Units

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

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.
- --------------------------------------------------------------------------------

C-PPA-35
<PAGE>

your income payment type and the age and sex of the measuring lives. We then
divide the initial income payment (allocated to an investment division) by the
Annuity Unit Value on the date of the transaction. The result is the number of
annuity units credited for that investment division. When you transfer money
from an investment division, annuity units in that investment division are
liquidated.

AIR

Your income payments are determined by using the AIR to benchmark the investment
experience of the investment divisions you select. The AIR is stated in your
contract and may range from 3% to 6%. The higher your AIR, the higher your
initial variable income payment will be. Your next payments will increase in
proportion to the amount the actual investment experience of your chosen
investment divisions exceeds the AIR and Separate Account charges. Likewise,
your payments will decrease to the extent the investment experience of your
chosen investment divisions is less than the AIR and Separate Account charges
(the net investment return). A lower AIR will result in a lower initial variable
income payment, but subsequent variable income payments will increase more
rapidly or decline more slowly than if you had a higher AIR as changes occur in
the actual investment experience of the investment divisions.

The amount of each variable income payment is determined ten days prior to your
income payment date. If your first income payment is less than 10 days after
your Contract's issue date, then the amount of your payment will be determined
on your Contract's issue date.

Valuation

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 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; the
resulting number is the net investment return;

o Then, we multiply by an adjustment based on your 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.

Transfers

- --------------------------------------------------------------------------------
The AIR is stated in your contract and may range from 3% to 6%.

[GRAPHIC OMITTED]

Once you transfer money into the Fixed Income Option you may not later transfer
it into an investment division.
- --------------------------------------------------------------------------------

C-PPA-36
<PAGE>

If you reside in certain states you may be limited to four options (including
the Fixed Interest Option).

For us to process a transfer, you must tell us:

o The percentage or dollar amount of the transfer;

o The investment divisions (or Fixed Income Option) to which you want to
transfer; and

o The investment divisions from which you want to transfer.

We may require that you use our forms to make transfers.

Each Fund may restrict or refuse purchases or redemption of shares in their
Portfolios as a result of certain market timing activities. You should read the
Fund prospectuses for more details.

Contract Fee

There is no contract fee.

Charges

There are two types of charges you pay if you allocate any of your purchase
payment to the investment divisions:

o Insurance-related charge; and

o Investment-related charge.

Insurance-Related Charge

General administrative expenses we incur include financial, actuarial,
accounting, and legal expenses.

The mortality portion of the insurance-related charge pays us for the risk that
you may live longer than we estimated. Then, we could be obligated to pay you
more in payments than we anticipated.

We also bear the risk that our expenses in administering the Income Annuities
will be greater than we estimated (expense risk).

C-PPA-37
<PAGE>

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 you pay depends on the investment divisions you select.
Amounts for each investment division for the previous year are listed in the
Table of Expenses.

Premium Taxes

Some jurisdictions tax what are called "annuity considerations." We deduct money
to pay "premium" taxes (also known as "annuity" taxes) when you make the
purchase payment.

Free Look

You may cancel your Income Annuity within a certain time period. This is known
as a "free look." We must receive your request to cancel in writing. The number
of days for this "free look" varies from state to state. The "free look" may
also vary depending on whether you purchased your Income Annuity through the
mail. Not all contracts issued are subject to free look provisions under state
law. Depending on state law, we may refund all of your purchase payment or the
value of your annuity units as of the date your properly completed refund
request is received at your MetLife Designated Office.

General Information

Administration

All transactions will be processed in the manner described below.

Purchase Payments

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You do not have a free look if you are electing income payments in the pay-out
phase of your Deferred Annuity.
- --------------------------------------------------------------------------------

C-PPA-38
<PAGE>

o On a day when the Accumulation Unit Value/Annuity Unit Value is not
calculated, or

o After 4:00 p.m. Eastern time.

In those cases, the purchase payments will be effective the next day the
Accumulation Unit Value or Annuity Unit Value, as applicable, is calculated.

Confirming Transactions

Processing Transactions

By Telephone or Internet

o Account Balance

o Unit Values

o Current rates for the Fixed Interest Account

- --------------------------------------------------------------------------------
Generally, your properly completed requests including all subsequent purchase
payments are effective the day we receive them at your MetLife Designated
Office.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

C-PPA-39
<PAGE>

o Transfers

o Changes to investment strategies

o Changes in the allocation of future purchase payments.

Your transaction must be completed prior to 4:00 p.m. Eastern time on one of our
business days if you want the transaction to take place on that day.
Transactions will not be processed on a day when the Accumulation on Annuity
Unit Value is not calculated or after 4:00 p.m. Eastern time. We will process
these transactions on our next business day.

Response times for telephone or Internet may vary due to a variety of factors,
including volumes, market conditions and performance of the systems. We are not
responsible or liable for:

o any inaccuracy, error, or delay in or omission of any information you
transmit or deliver to us; or

o any loss or damage you may incur because of such inaccuracy, error, delay
or omission; non-performance; or any interruption of information beyond
our control.

After Your Death

If we are notified of your death before a requested transaction is completed, we
will cancel the request. For example, if you request a transfer or withdrawal
for a date in the future under an Deferred Annuity and then die before that
date, we simply pay the death benefit instead. For Income Annuity transfers, we
will cancel the request and continue making payments to your beneficiary if your
Income Annuity so provides. Or, depending on your Income Annuity's provisions,
we may continue making payments to a joint annuitant or pay your beneficiary a
refund.

Third Party Requests

- --------------------------------------------------------------------------------
Except for the unallocated Keogh Deferred Annuities, you may authorize your
sales representative to make telephone transactions on your behalf. You must
complete our form and we must agree.
- --------------------------------------------------------------------------------

C-PPA-40
<PAGE>

other Contract owners, and who simultaneously makes the same request or series
of requests on behalf of other Contract owners.

Valuation

When you request a transaction, we will process the transaction using the next
available Accumulation Unit Value for Deferred Annuities or Annuity Unit Value
for Income Annuities. Subject to our procedure, we will make withdrawals under
an Deferred Annuity and transfers under an Deferred Annuity or Income Annuity at
a later date, if you request. If your withdrawal request is to elect a variable
pay-out option under your Deferred Annuity, we base the number of annuity units
you receive on the next available Annuity Unit Value.

Advertising Performance

We may state performance in terms of "yield," "change in Accumulation Unit
Value/Annuity Unit Value," "average annual total return," or some combination of
these terms.

Average annual total return calculations reflect all Separate Account charges
and applicable early withdrawal charges. These figures also assume a steady
annual rate of return.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

C-PPA-41
<PAGE>

historical performance of the underlying Metropolitan Fund and Zenith Fund
Portfolios. We use the actual accumulation unit or annuity unit data after the
inception date.

Changes to Your Deferred Annuity or Income Annuity

o To operate the Separate Account in any form permitted by law.

o To take any action necessary to comply with or obtain and continue any
exemptions under the law.

o To make any necessary technical changes in the Deferred Annuities or
Income Annuities in order to conform with any of the above-described
actions.

C-PPA-42
<PAGE>

Voting Rights

You will be entitled to give instructions regarding the votes attributable to
your Non-Qualified or IRA Deferred Annuity or an Income Annuity in your sole
discretion. Under the unallocated Keogh Deferred Annuity, participants may
instruct you to give us instructions regarding shares deemed attributable to
their contributions to the Deferred Annuity. Under the unallocated Keogh
Deferred Annuity, we will provide you with the number of copies of voting
instruction soliciting materials that you request so that you may furnish such
materials to participants who may give you voting instructions. Neither the
Separate Account nor MetLife has any duty to inquire as to the instructions
received or your authority to give instructions; thus, as far as the Separate
Account, and any others having voting interests in respect of the Separate
Account are concerned, such instructions are valid and effective.

o The shares for which voting instructions are received, and

o The shares 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.

C-PPA-43
<PAGE>

[GRAPHIC OMITTED]

Who Sells the Deferred Annuities and Income Annuities

All Deferred Annuities and Income Annuities are sold through individuals who are
our licensed sales representatives. We are registered with the Securities and
Exchange Commission as a broker-dealer under the Securities Exchange Act of
1934. We are also a member of the National Association of Securities Dealers,
Inc. Deferred Annuities and Income Annuities are also sold through other
registered broker-dealers. They also may be sold through the mail.

Financial Statements

Your Spouse's Rights

If you received your contract through a qualified retirement plan and your plan
is subject to ERISA (the Employee Retirement Income Security Act of 1974) and
you are married, the income payments, withdrawal provisions, and methods of
payment of the death benefit under your Deferred Annuity or Income Annuity may
be subject to your spouse's rights.

If your benefit is worth $5,000 or less, your plan may provide for distribution
of your entire interest in a lump sum without your spouse's consent.

For details or advice on how the law applies to your circumstances, consult your
tax advisor or attorney.

C-PPA-44
<PAGE>

When We Can Cancel Your Deferred Annuity or Income Annuity

We may not cancel your Income Annuity.

We may cancel your Deferred Annuity only if we do not receive any purchase
payments from you for 36 consecutive months and your Account Balance is less
than $2,000 (except for the unallocated Keogh Deferred Annuity). We may only
cancel the unallocated Keogh Deferred Annuity if we do not receive any purchase
payments for you for 12 consecutive months and your Account Balance is less than
$15,000. We will only do so to the extent allowed by law. Certain Deferred
Annuities do not contain these cancellation provisions.

If we do cancel your Deferred Annuity delivered in New York, we will return the
full Account Balance. In all other cases, you will receive an amount equal to
what you would have received if you had requested a total withdrawal of your
Account Balance. Early withdrawal charges may apply.

Income Taxes

General

Deferred annuities are a means of setting aside money for future needs --
usually retirement. Congress recognizes how important saving for retirement is
and has provided special rules in the Code.

- --------------------------------------------------------------------------------
Simply stated, Federal income tax rules for Deferred Annuities generally provide
that earnings are not subject to tax until withdrawn. This is referred to as tax
deferral.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

C-PPA-45
<PAGE>

Withdrawals

Because these products are intended for retirement, if you make a taxable
withdrawal before age 59 1/2 you may incur a tax penalty. When money is
withdrawn from your Contract (whether by you or your beneficiary), the amount
treated as taxable income differs depending on the type of:

o annuity you purchase (e.g., Non-Qualified or IRA), and

o pay-out option you elect.

We are not responsible for determining if your employer's plan or arrangement
satisfies the requirements of the Code and/or ERISA.

If you meet certain requirements, your Roth IRA earnings are free from Federal
income taxes.

Withdrawals Before Age 59 1/2

If you receive a taxable distribution from your Contract before you reach age
59 1/2, this amount may be subject to a 10% penalty tax, in addition to ordinary
income taxes.

As indicated in the chart below, some taxable distributions prior to age 59 1/2
are exempt from the penalty. Some of these exceptions include amounts received:

[GRAPHIC OMITTED]

Type of Contract
------------------------------
Non Trad. Roth
Qualified IRA Keogh IRA
--------- ----- ----- ----
In a series of substantially equal payments
made annually (or more frequently)
for life or life expectancy (SEPP) x x x (1) x

After you die x x x x

After you become totally disabled (as
defined in the Code) x x x x

To pay deductible medical expenses x x x

To pay medical insurance premiums if
you are unemployed x x

To pay for qualified higher education
expenses, or x x

For qualified first time home purchases
up to $10,000 x x

After separation from service if you are
over age 55 x

After December 31, 1999 for IRS levies x x x

(1) You must also be separated from service

C-PPA-46
<PAGE>

Systematic Withdrawal Program for Substantially Equal Periodic Payments (SEPP)

If you are considering using the Systematic Withdrawal Program for the purpose
of meeting the SEPP exception to the 10% tax penalty, consult with your tax
advisor.

If you receive systematic payments that you intend to qualify for the SEPP
exception, any modifications to your payment before age 591/2 or within five
years after beginning Systematic Withdrawal Program payments will result in the
retroactive imposition of the 10% penalty with interest.

Non-Qualified Annuities

o Purchase payments to Non-Qualified Contracts are on an "after-tax" basis,
so you only pay income taxes on your earnings. Generally, these earnings
are taxed when received them from the Contract.

o Your Non-Qualified Contract may be exchanged for another Non-Qualified
annuity without paying income taxes if certain Code requirements are met.

o When a non-natural person owns a Non-Qualified Contract, the annuity will
generally not be treated as an annuity for tax purposes and thus lose the
benefit of tax deferral. Corporations and certain other entities are
generally considered non-natural persons. However, an annuity owned by a
non-natural person as agent for an individual will be treated as an
annuity for tax purposes.

o Annuities issued after October 21, 1988 by the same insurance company (or
an affliate) in the same year are combined for tax purposes. As a result,
a greater portion of your withdrawals may be considered taxable income
than you would otherwise expect.

o In those limited situations where the annuity is beneficially owned by a
non-natural person and the annuity qualifies as such for Federal income
tax purposes, the entity may have a limited ability to deduct interest or,
in the case of an insurance company, to deduct insurance reserves or
incurred losses.

o The IRS has not specifically approved the use of an exclusion ratio or
recovery amount with respect to a variable income annuity where transfers
are permitted between funding option or between a funding option and a
guaranteed interest option.

Diversification

In order for your Non-Qualified Contract to be considered an annuity Contract
for Federal income tax purposes, we must comply with certain diversification
standards with respect to the investments underlying the contract. We believe
that we satisfy and will continue to satisfy these diversification standards.
Inadvertent failure to meet these standards may be correctable. Failure to meet
these standards would result in immediate taxation to Contract holders of gains
under their Contract.

- --------------------------------------------------------------------------------
After-tax means that your purchase payments for your annuity do not reduce your
taxable income or give you a tax deduction.
- --------------------------------------------------------------------------------

C-PPA-47
<PAGE>

[GRAPHIC OMITTED]

Changes to tax rules and interpretations

Changes in applicable tax rules and interpretations can adversely affect the tax
treatment of your annuity. These changes may take effect retroactively. Examples
of changes that could create adverse tax consequences include:

o Possible taxation of transfers between investment divisions.

o Possible taxation as if you were the owner of your portion of the Separate
Account's assets.

o Possible limits on the number of funding options available or the
frequency of transfers among them.

Purchase Payments

Although the Code does not limit the total amount of your purchase payments,
your Contract may have a limit.

Withdrawals

Generally, when you make a withdrawal from your non-qualified annuity, the Code
treats such a withdrawal as:

o First coming from earnings (and thus subject to income tax); and

o Then from your purchase payments (which are not subject to income tax).

o A non-taxable return of your purchase payments; and

o A taxable payment of earnings.

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.

If you choose an income annuity payout option we generally will tell you how
much of each income payment is a non-taxable return of contributions. Generally,
once the total amount treated as a non-taxable return of your purchase payments
equals your purchase payments (reduced by any refund or guarantee feature as
required under Federal tax law), then all remaining income payments are fully
taxable.

C-PPA-48
<PAGE>

After Death

If you die before payments under an income annuity begin, we must make payment
of your entire interest in the Contract within five years of your death or begin
payments under an income annuity allowed by the Code to your beneficiary within
one year of your death.

If you die after income payments begin, payments must continue to be made at
least as rapidly as before your death in accordance with the income type
selected.

Individual Retirement Annuities
[Traditional IRAs and Roth IRAs]

General

Generally, except for Roth IRAs, your IRA can accept deductible (or pre-tax) and
non-deductible (after-tax) purchase payments. Deductible or pre-tax purchase
payments will be taxable when distributed from the Contract.

o Your annuity is generally not forfeitable (e.g., not subject to claims of
your creditors) and you may not transfer it to someone else.

o You can transfer your IRA proceeds to a similar IRA, without incurring
Federal income taxes if certain conditions are satisfied.

Traditional IRA Annuities

Purchase Payments

Generally:

o Purchase payments in excess of this amount may be subject to a penalty
tax.

o Purchase payments are generally permitted up to age 70 1/2.

o These age and dollar limits do not apply to tax-free rollovers or
transfers.

o If certain conditions are met, you can change your Traditional IRA
purchase payment to a Roth IRA before you file your income tax return
(including filing extensions).

Your total annual contributions to all your Traditional and Roth IRAs may not
exceed the lesser of $2,000 or 100% of your "compensation" as defined by the
Code, except for "spousal" IRAs.

In some cases, your purchase payments may be tax deductible.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

C-PPA-49
<PAGE>

Withdrawals

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.

Minimum Distribution Requirements

Generally, you must begin receiving withdrawals by April 1 of the calendar year
following the year in which you reach age 70 1/2.

A tax penalty of 50% applies to withdrawals which should have been taken but
were not. Complex rules apply to the timing and calculation of these
withdrawals.

After Death

If your spouse is your beneficiary, and, if your Contract permits, your spouse
may delay the start of income payments until December 31 of the year in which
the decedent would have reached age 70 1/2.

If you die after required withdrawals begin, payments must continue at least as
rapidly as under the distribution method in effect at your death.

Roth IRA Annuities

General

Roth IRAs are different from other IRAs because you have the opportunity to
enjoy tax-free earnings. However, you can only make after-tax purchase payments
to a Roth IRA.

Purchase Payments

Roth IRA purchase payments are non-deductible and are limited to the lesser of
100% of compensation or $2,000 per year. You may contribute up to the annual
contribution limit in 2000 if your modified adjusted gross income does not
exceed $95,000 ($150,000 for married couples filing jointly). Purchase payment
limits are phased out if your income is between:

C-PPA-50
<PAGE>

Status Income
---------- -----------
Individual $95,000--$110,000
Married filing jointly $150,000--$160,000
Married filing separately $0--$10,000

o Annual purchase payment limits do not apply to a rollover from a Roth IRA
to another Roth IRA or a conversion from a Traditional IRA to a Roth IRA.

o You can contribute to a Roth IRA after age 70 1/2.

o If you exceed the purchase payment limits, you may be subject to a tax
penalty.

o If certain conditions are met, you can change your Roth IRA contribution
to a Traditional IRA before you file your income return (including filing
extensions).

Withdrawals

Generally, withdrawals of earnings from Roth IRAs are free from Federal income
tax if they meet the following two requirements:

o The withdrawal is:

o At least five taxable years after your first purchase payment to a Roth
IRA, and

o The withdrawal is made:

o When you reach age 59 1/2;

o Upon your death or disability; or

o For a qualified first-time home purchase (up to $10,000).

Withdrawals of earnings which do not meet these requirements are taxable and a
10% penalty tax may apply if made before age 59 1/2.

In addition, if you withdraw money converted in 1998, 1999 or 2000 which
received the special four year income inclusion treatment discussed later, the
withdrawal will be included in income in the year of the withdrawal (in addition
to the amounts to be included under the four year income inclusion election).
The total aggregate amount to be included in income shall not exceed the total
taxable amount of the conversion.

- --------------------------------------------------------------------------------
Annual contributions to your IRAs, including Roth IRAs, may not exceed the
lesser of $2,000 or 100% of your "compensation" as defined by the Code, except
for "spousal" IRAs.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

C-PPA-51
<PAGE>

The order in which money is withdrawn from a Roth IRA is as follows:

(All Roth IRAs owned by a taxpayer are combined for withdrawal purposes.)

o The first money withdrawn is any annual (non-conversion/rollover) purchase
payments to the Roth IRA. These are received tax and penalty free.

o We may be required to withhold a portion of your withdrawal for income
taxes, unless you elect otherwise. The amount withheld is determined by
the Code.

Conversion

You may convert/rollover an existing IRA to a Roth IRA if your adjusted gross
income does not exceed $100,000 in the year you convert.

Except to the extent you have non-deductible IRA purchase payments, the amount
converted from an existing IRA into a Roth IRA is taxable. Generally, the 10%
early withdrawal penalty does not apply to conversions/rollovers. (See exception
discussed previously.) For conversions that occurred in 1998, you could have
elected to include the taxable amount in income over a four year period
beginning in 1998.

If you mistakenly convert or otherwise wish to change your Roth IRA purchase
payment to a Traditional IRA purchase payment, the tax law now allows you to
reverse your conversion provided you do so before you file your tax return for
the year of the purchase payment and if certain conditions are met.

Unless you elect otherwise, the amount converted from a Traditional IRA to a
Roth IRA will be subject to income tax withholding. The amount withheld is
determined by the Code.

After Death

Generally, when you die we must make payment of your entire interest within five
years after the year of your death or begin income payments

C-PPA-52
<PAGE>

under an income annuity allowed by the Code to your beneficiary by December 31st
of the year after your death.

If your spouse is your beneficiary and if your Contract permits, he or she may
elect to continue as "owner" of the Contract.

Keogh Annuities

General

Pension and profit-sharing plans satisfying certain Code provisions are
considered to be "Keogh" plans.

Purchase Payments

Under some circumstances, "after-tax" purchase payments can be made to certain
annuities. These purchase payments do not reduce your taxable income or give you
a tax deduction.

There are annual purchase payment limits for your Keogh annuities. Purchase
payments in excess of these limits may result in adverse tax consequences.

Withdrawals

If certain requirements are met, you may be able to transfer amounts in your
Contract to another eligible retirement plan or IRA.

Withdrawals and income payment are included in income except for the portion
that represents a return of non-deductible purchase payments.

Minimum Distribution Requirements

Generally, you must begin receiving withdrawals from your Contract by April 1 of
the calendar year following the later of:

o The year you turn age 70 1/2 or

o Provided you do not own 5% or more of your employer, and to the extent
permitted by your plan and contract, the year you retire.

Complex rules apply to timing and calculating these withdrawals. A tax penalty
of 50% applies to withdrawals, which should have been taken but were not.

Mandatory 20% Withholding

We are required to withhold 20% of the taxable portion of your withdrawal that
constitutes an "eligible rollover distribution" for Federal income taxes. We are
not required to withhold this money if you direct us, the trustee or the
custodian of the plan to directly rollover your "eligible rollover distribution"
to a traditional IRA or another eligible retirement plan.

C-PPA-53
<PAGE>

Generally, an "eligible rollover distribution" is any taxable amount you receive
from your Contract. However, it does not include taxable distributions that are:

o A series of substantially equal payments made at least annually for:

o Your life or life expectancy

o Both you and your beneficiary's lives or life expectancies

o A specified period of 10 years or more

o To satisfy minimum distribution requirements

o Certain withdrawals on account of financial hardship

Other exceptions to the definition of "eligible rollover distributions" may
exist.

For taxable withdrawals that are not "eligible rollover distributions" the Code
requires different withholding rules which are determined at the time of
payment. You may elect out of these withholding requirements.

After Death

If you die before required minimum distribution withdrawals have begun, we must
make payment of your entire interest in the Contract within the five years after
the year of your death or begin payments under an income annuity allowed by the
Code to your beneficiary by December 31st of the year after your death.

If your spouse is your beneficiary and if your Contract permits, your spouse may
delay the start of income payments until December 31st of the year in which you
would have reached age 70 1/2.

If you die after required withdrawals begin, payments must continue at least as
rapidly as under the distribution method in effect at your death.

C-PPA-54
<PAGE>

Table of Contents for the Statement of Additional Information

Page

Cover Page ................................................................... 1

Table of Contents ............................................................ 1

Independent Auditors ......................................................... 2

Services ..................................................................... 2

Distribution of Certificates and Interests in the
Deferred Annuities and Income Annuities .................................. 2

Early Withdrawal Charge ...................................................... 2

Experience Factor ............................................................ 2

Variable Income Payments ..................................................... 2

Investment Management Fees ................................................... 5

Performance Data and Advertisement of
the Separate Account ..................................................... 6

Voting Rights ................................................................ 8

ERISA ........................................................................ 9

Taxes ........................................................................10

Performance Data .............................................................24

Financial Statements of the Separate Account .................................35

Financial Statements of MetLife ..............................................63

[GRAPHIC OMITTED]

C-PPA-55
<PAGE>

Appendix
Premium Tax Table

[GRAPHIC OMITTED]

If you are a resident of one of the following jurisdictions, the percentage
amount listed by the jurisdiction is the premium tax rate applicable to your
Deferred Annuity or Income Annuity.

Unallocated
IRA Deferred Keogh Non-Qualified
and Income Deferred and Deferred and
Annuities (1) Income Annuities Income Annuities

California ............ 0.5%(2) 0.5% 2.35%

Maine ................. -- -- 2.0%

Nevada ................ -- -- 3.5%

Puerto Rico ........... 1.0% 1.0% 1.0%

South Dakota .......... -- -- 1.25%

U.S. Virgin Islands ... 5.0% 5.0% 5.0%

West Virginia ......... 1.0% 1.0% 1.0%

Wyoming ............... -- -- 1.0%

- ----------
(1) Premium tax rates applicable to IRA Deferred and Income Annuities
purchased for use in connection with individual retirement trust or
custodial accounts meeting the requirements of Section 408(a) of the Code
are included under the column headed "IRA Deferred and Income Annuities."

(2) With respect to Deferred and Income Annuities purchased for use in
connection with individual retirement trust or custodial accounts meeting
requirements of Section 408(a) of the Code, the annuity tax rate in
California is 2.35% instead of 0.5%.

PEANUTS(Copyright) United Feature Syndicate, Inc.

(Copyright)2000 Metropolitan Life Insurance Company

C-PPA-56
<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
Attn: Brian Mack
Investment & Income Center, 4th Floor
485 E US Highway 1 South
Iselin, NJ 08830
<PAGE>

MetLife(Registered)
-----------------
Metropolitan Life Insurance Company PRSRT STD
Johnstown Office, 500 Schoolhouse Road U.S. Postage Paid
Johnstown, PA 15904-2914 METLIFE
-----------------
Address Service Requested

<PAGE>

-----------
May 1, 2000
-----------

Financial Freedom Account Variable Annuity Contracts
Issued by Metropolitan Life Insurance Company

This Prospectus describes group Financial Freedom contracts for deferred
variable annuities ("Financial Freedom Deferred Annuities") and Financial
Freedom immediate variable income annuities ("Financial Freedom Income
Annuities"). This Prospectus also describes Enhanced Preference Plus Account
Deferred Annuities ("Enhanced Deferred Annuities") and Enhanced Preference Plus
Account Income Annuities ("Enhanced Income Annuities").

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

You decide how to allocate your money among the various available investment
choices. The investment choices available to you are listed in the contract for
your Financial Freedom Deferred Annuity or Financial Freedom Income Annuity.
Your choices may include the Fixed Interest Account (not described in this
Prospectus) and investment divisions available through Metropolitan Life
Separate Account E which, in turn, invest in the following corresponding
portfolios of the Metropolitan Series Fund, Inc. ("Metropolitan Fund"), two
portfolios of the Calvert Variable Series, Inc. ("Calvert Fund"), two series of
the New England Zenith Fund ("Zenith Fund") and portfolios of the Variable
Insurance Products Fund and Variable Insurance Products Fund II ("Fidelity VIP
and VIP II Funds"). For convenience, both the portfolios and the series are
referred to as Portfolios in this Prospectus.

- --------------------------------------------------------------------------------
Fidelity Money Market MetLife Mid Cap Stock Index
Lehman Brothers Aggregate Bond Neuberger Berman Partners Mid Cap Value
Index Janus Mid Cap
State Street Research Income Calvert Social Mid Cap Growth
Fidelity Investment Grade Bond State Street Research Aggressive Growth
State Street Research Diversified Loomis Sayles High Yield Bond
Fidelity Asset Manager Russell 2000(Registered) Index
Calvert Social Balanced T. Rowe Price Small Cap Growth
MetLife Stock Index Loomis Sayles Small Cap
Fidelity Equity-Income State Street Research Aurora Small Cap Value
Harris Oakmark Large Cap Value Scudder Global Equity
T. Rowe Price Large Cap Growth Morgan Stanley EAFE(Registered) Index
State Street Research Growth Putnam International Stock (formerly
Fidelity Growth Santander International Stock)
Davis Venture Value Fidelity Overseas
Putnam Large Cap Growth
- --------------------------------------------------------------------------------

How to learn more:

Before investing, read this Prospectus. The Prospectus contains information
about the Financial Freedom Deferred Annuities, Financial Freedom Income
Annuities and Metropolitan Life Separate Account E which you should know before
investing. 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 FFA-77 of
this Prospectus. To request a free copy of the SAI or to ask questions, write or
call:

Metropolitan Life Insurance Company
Investment & Income Center, 4th Floor
485E US Highway 1 South [GRAPHIC OMITTED]
Iselin, NJ 08830
Attention: Brian Mack
Phone: (800) 553-4459

The current Metropolitan Fund and Zenith Fund prospectuses, and, if applicable,
the Calvert Fund and Fidelity VIP and Fidelity VIP II Funds prospectuses are
attached to the back of this Prospectus. You should also read these prospectuses
carefully before purchasing a Financial Freedom Deferred Annuity or Financial
Freedom Income Annuity. This Prospectus is not valid unless attached to
Metropolitan Fund, Zenith Fund, Calvert Fund and Fidelity VIP and Fidelity VIP
II Funds prospectuses, as applicable.

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

Financial Freedom Deferred Annuities Available:

o TSA

o 403(a)

o Non-Qualified (for certain deferred arrangements and plans)

Financial Freedom Income Annuities Available:

o TSA

o 403(a)

o Non-Qualified (for certain deferred arrangements and plans)

A word about investment risk:

An investment in any of these variable annuities involves investment risk. You
could lose money you invest. 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>

-----------
May 1, 2000
-----------

Enhanced Preference Plus(Registered) Account Variable Annuity Contracts Issued
by Metropolitan Life Insurance Company

This Prospectus describes group Enhanced Preference Plus contracts for deferred
variable annuities ("Enhanced Deferred Annuities") and Enhanced Preference Plus
immediate variable income annuities ("Enhanced Income Annuities"). This
Prospectus also describes Financial Freedom Account Deferred Annuities
("Financial Freedom Deferred Annuities") and Financial Freedom Account Income
Annuities ("Financial Freedom Income Annuities").

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

You decide how to allocate your money among the various available investment
choices. The investment choices available to you are listed in the contract for
your Enhanced Deferred Annuity or Enhanced Income Annuity. Your choices may
include the Fixed Interest Account (not described in this Prospectus) and
investment divisions available through Metropolitan Life Separate Account E
which, in turn, invest in the following corresponding portfolios of the
Metropolitan Series Fund, Inc. ("Metropolitan Fund"), two series of the New
England Zenith Fund ("Zenith Fund"), two portfolios of the Calvert Variable
Series, Inc. ("Calvert Fund") and portfolios of the Variable Insurance Products
Fund and Variable Insurance Products Fund II ("Fidelity VIP and VIP II
Funds"). For convenience, both the portfolios and the series are referred to as
Portfolios in this Prospectus.

- --------------------------------------------------------------------------------
Lehman Brothers Aggregate Bond Index Neuberger Berman Partners Mid Cap Value
State Street Research Income Janus Mid Cap
Fidelity Investment Grade Bond Calvert Social Mid Cap Growth
State Street Research Diversified State Street Research Aggressive Growth
Fidelity Asset Manager Loomis Sayles High Yield Bond
Calvert Social Balanced Russell 2000(Registered) Index
MetLife Stock Index T. Rowe Price Small Cap Growth
Fidelity Equity-Income Loomis Sayles Small Cap
Harris Oakmark Large Cap Value State Street Research Aurora Small Cap
T. Rowe Price Large Cap Growth Value
State Street Research Growth Scudder Global Equity
Fidelity Growth Morgan Stanley EAFE(Registered) Index
Davis Venture Value Putnam International Stock (formerly
Putnam Large Cap Growth Santander International Stock)
MetLife Mid Cap Stock Index Fidelity Overseas
- --------------------------------------------------------------------------------

How to learn more:

Before investing, read this Prospectus. The Prospectus contains information
about the Enhanced Deferred Annuities, Enhanced Income Annuities and
Metropolitan Life Separate Account E which you should know before investing.
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 FFA-77 of this
Prospectus. To request a free copy of the SAI or to ask questions, write or
call:

Metropolitan Life Insurance Company
Investment & Income Center, 4th Floor
485E US Highway 1 South [GRAPHIC OMITTED]
Iselin, NJ 08830
Attention: Brian Mack
Phone: (800) 553-4459

The current Metropolitan Fund and Zenith Fund prospectuses, and, if applicable,
the Calvert Fund and Fidelity VIP and VIP II Funds prospectuses are attached to
the back of this Prospectus. You should also read these prospectuses carefully
before purchasing an Enhanced Deferred Annuity or Enhanced Income Annuity. This
Prospectus is not valid unless attached to Metropolitan Fund, Zenith Fund,
Calvert Fund and Fidelity VIP and VIP II Funds Prospectuses, as applicable.

- --------------------------------------------------------------------------------
Enhanced Deferred Annuities Available:

o TSA

o 403(a)

o PEDC

o Traditional IRA

o Non-Qualified

o Non-Qualified (for certain deferred arrangements or plans)

Enhanced Income Annuities Available:

o TSA

o 403(a)

o PEDC

o Traditional IRA

o Non-Qualified

o Non-Qualified (for certain deferred arrangements or plans)

A word about investment risk:

An investment in any of these variable annuities involves investment risk. You
could lose money you invest. 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 ....................................... FFA-4

Table of Expenses ..................................................... FFA-7

Accumulation Unit Values Tables ....................................... FFA-16

MetLife ............................................................... FFA-30

Metropolitan Life Separate Account E .................................. FFA-30

Variable Annuities .................................................... FFA-31

A Deferred Annuity ............................................... FFA-31

An Income Annuity ................................................ FFA-31

Your Investment Choices ............................................... FFA-32

Deferred Annuities .................................................... FFA-34

The Deferred Annuity and Your Retirement Plan .................... FFA-35

Automated Investment Strategies .................................. FFA-35

Purchase Payments ................................................ FFA-37

Allocation of Purchase Payments ................................ FFA-37

Limits on Purchase Payments .................................... FFA-37

The Value of Your Investment ..................................... FFA-38

Transfers ........................................................ FFA-39

Access to Your Money ............................................. FFA-39

Systematic Withdrawal Program for
Enhanced TSA and IRA Deferred Annuities ...................... FFA-40

Minimum Distribution ........................................... FFA-41

Contract Fee ..................................................... FFA-41

Charges .......................................................... FFA-42

Insurance-Related Charge ....................................... FFA-42

Investment-Related Charge ...................................... FFA-42

Premium Taxes .................................................... FFA-43

Early Withdrawal Charges ......................................... FFA-43

When No Early Withdrawal Charge Applies ........................ FFA-44

When Another Early Withdrawal Charge May Apply ................. FFA-46

Free Look ........................................................ FFA-47

Death Benefit .................................................... FFA-47

Pay-out Options (or Income Options) .............................. FFA-48

FFA-2

<PAGE>

Income Annuities ...................................................... FFA-49

Income Payment Types ............................................. FFA-50

Allocation ....................................................... FFA-52

Minimum Size of Your Income Payment .............................. FFA-52

The Value of Your Income Payments ................................ FFA-52

Transfers ........................................................ FFA-53

Contract Fee ..................................................... FFA-53

Charges .......................................................... FFA-53

Insurance-Related Charge ....................................... FFA-54

Investment-Related Charge ...................................... FFA-54

Premium Taxes .................................................... FFA-54

Free Look ........................................................ FFA-54

General Information ................................................... FFA-55

Administration ................................................... FFA-55

Purchase Payments .............................................. FFA-55

Confirming Transactions ........................................ FFA-55

Processing Transactions ........................................ FFA-56

By Telephone or Internet .................................... FFA-56

After Your Death ............................................ FFA-57

Third Party Requests ........................................ FFA-57

Valuation ................................................... FFA-57

Advertising Performance .......................................... FFA-58

Changes to Your Deferred Annuity or Income Annuity ............... FFA-59

Voting Rights .................................................... FFA-59

Who Sells the Deferred Annuities and Income Annuities ............ FFA-60

Financial Statements ............................................. FFA-61

Your Spouse's Rights ............................................. FFA-61

When We Can Cancel Your Deferred Annuity
or Income Annuity ........................................... FFA-62

Special Charges That Apply If Your Retirement Plan
Terminates Its Deferred Annuity or Takes Other Action ............ FFA-62

Income Taxes .......................................................... FFA-63

Table of Contents for the Statement of Additional Information ......... FFA-77

Appendix for Premium Tax Table ........................................ FFA-78

Appendix II for Texas Optional Retirement Program ..................... FFA-79

MetLife does not intend to offer the Deferred Annuities or Income Annuities
anywhere they may not lawfully be offered and sold. MetLife has not authorized
any information or representations about the Deferred Annuities or Income
Annuities other than the information in this Prospectus, any attached
prospectuses, supplements to the prospectuses or any supplemental sales material
we authorize.

[GRAPHIC OMITTED]

FFA-3
<PAGE>

[GRAPHIC OMITTED]

Important Terms You Should Know

Account Balance

Accumulation Unit Value

Annuity Unit Value

Assumed Investment Return (AIR)

Contract

A contract is the legal agreement between MetLife and the employer, plan trustee
or other entity, or the certificate issued to you under a group annuity
contract. This document contains relevant provisions of your Deferred Annuity or
Income Annuity. MetLife issues contracts for each of the annuities described in
this Prospectus.

FFA-4
<PAGE>

Contract Year

Deferred Annuity

This term is used throughout this Prospectus when we are referring to both
Enhanced Deferred Annuities and Financial Freedom Deferred Annuities.

Early Withdrawal Charge

Income Annuity

This term is used throughout this Prospectus when we are referring to both
Enhanced Income Annuities and Financial Freedom Income Annuities.

Investment Division

MetLife

Metropolitan Life Insurance Company is the company that issues the Deferred
Annuities and Income Annuities. Throughout this Prospectus, MetLife is also
referred to as "we," "us" or "our."

MetLife Designated Office

FFA-5
<PAGE>

Separate Account

Variable Annuity

An annuity in which returns/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 for amounts allocated to the investment divisions
in a variable annuity.

You

In this Prospectus, depending on the context, "you" may mean either the
purchaser of the Deferred Annuity or Income Annuity, the annuitant under an
Income Annuity, or the participant or annuitant for whom money is invested under
certain group arrangements. In cases where we are referring to giving
instructions or making payments to us, for PEDC, Section 451 deferred fee
arrangements, Section 451 deferred compensation plans, Section 457(f) deferred
compensation plans, Section 457(e)(11) severance and death benefit plans and
Section 415(m) qualified governmental excess benefit arrangements, "you" means
such trustee or employer.

FFA-6

<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES--ENHANCED PREFERENCE PLUS DEFERRED ANNUITIES AND INCOME
ANNUITIES
- --------------------------------------------------------------------------------

The following table shows the Separate Account, Metropolitan Fund, Zenith Fund,
Calvert Fund and Fidelity VIP and VIP II Funds charges and expenses. The numbers
in the table for the Separate Account, Zenith Fund, Calvert Fund, Fidelity VIP
and VIP II Funds and for all Portfolios of the Metropolitan Fund except the
Portfolios to be introduced on or about July 5, 2000 are based on past
experience. The numbers for the Portfolios to be introduced on or about July 5,
2000 are estimates for the current year. The numbers in this table are subject
to change. The table is not intended to show your actual total combined expenses
which may be higher or lower. It does not show fees for the Fixed Interest
Account or premium taxes which may apply. We have provided examples to show you
the impact of Separate Account, Metropolitan Fund, Zenith Fund, Calvert Fund and
Fidelity VIP and VIP II Funds charges and expenses on a hypothetical investment
of $1,000 and an assumed 5% annual return on the investment.

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

Separate Account, Metropolitan Fund, Zenith Fund, Calvert Fund and Fidelity VIP
and VIP II Funds expenses for the fiscal year ending December 31, 1999:

Contract Owner Transaction Expenses For All Investment Divisions Currently
Offered

Sales Load Imposed on Purchases .............................. None

Deferred Sales Load (as a percentage of the purchase
payment funding the withdrawal during the accumulation
period) (1) ................................................. From 0% to 7%

Exchange Fee ................................................. None

Surrender Fee ................................................ None

Annual Contract Fee (2) .......................................... None

Separate Account Annual Expenses (as a percentage of average account value) (3)

General Administrative Expenses Charge ....................... .20%

Mortality and Expense Risk Charge ............................ .75%

Total Separate Account Annual Expenses ....................... .95%

Metropolitan Fund Annual Expenses (as a percentage of average net assets)

<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>
Lehman Brothers Aggregate Bond Index Portfolio (8) ...... .25 .15 .40 .15 .40
State Street Research Income Portfolio (4)(5) ........... .32 .06 .38 .06 .38
State Street Research Diversified Portfolio (4)(5)(6) ... .43 .03 .46 .02 .45
MetLife Stock Index Portfolio (4) ....................... .25 .04 .29 .04 .29
Harris Oakmark Large Cap Value Portfolio (5)(6)(8) ...... .75 .40 1.15 .19 .94
T. Rowe Price Large Cap Growth Portfolio (5)(6)(8) ...... .69 .62 1.31 .24 .93
State Street Research Growth Portfolio (4)(5)(6) ........ .47 .04 .51 .02 .49
Putnam Large Cap Growth Portfolio (11)(12) .............. .80 .59 1.39 .20 1.00
MetLife Mid Cap Stock Index Portfolio (11)(12) .......... .25 .65 .90 .20 .45
Neuberger Berman Partners Mid Cap Value
Portfolio (5)(6)(8) .................................... .70 .48 1.18 .06 .76
Janus Mid Cap Portfolio (5)(7) .......................... .67 .04 .71 .04 .71
State Street Research Aggressive Growth
Portfolio (4)(5)(6)..................................... .70 .04 .74 .02 .72
Loomis Sayles High Yield Bond Portfolio (7) ............. .70 .24 .94 .24 .94
------------------------------
</TABLE>

FFA-7
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES--ENHANCED PREFERENCE PLUS DEFERRED ANNUITIES AND INCOME
ANNUITIES (continued)
- --------------------------------------------------------------------------------

Metropolitan Fund Annual Expenses
(as a percentage of average net assets) (continued)

<TABLE>
<CAPTION>
------------------------------
OTHER EXPENSES TOTAL EXPENSES OTHER EXPENSES TOTAL
MANAGEMENT BEFORE BEFORE AFTER AFTER
FEES REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
Russell 2000(Registered) Index Portfolio (8)(9) ......... .25 .64 .89 .30 .55
T. Rowe Price Small Cap Growth Portfolio (5)(7) ......... .52 .09 .61 .09 .61
State Street Research Aurora Small Cap Value
Portfolio (5)(11)(12) .................................. .85 .23 1.08 .20 1.05
Scudder Global Equity Portfolio (5)(7) .................. .67 .20 .87 .20 .87
Morgan Stanley EAFE(Registered) Index Portfolio (8)(10) . .30 1.47 1.77 .36 .66
Putnam International Stock Portfolio (4)(5) ............. .90 .22 1.12 .22 1.12
------------------------------
</TABLE>

Zenith Fund Annual Expenses
(as a percentage of average net assets)

Calvert Fund Annual Expenses
(as a percentage of average net assets)

Fidelity VIP and VIP II Funds Annual Expenses
(as a percentage of average net assets) (16)

<TABLE>
<CAPTION>
------------------------------
OTHER EXPENSES TOTAL EXPENSES OTHER EXPENSES TOTAL
MANAGEMENT BEFORE BEFORE AFTER AFTER
FEES REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT REIMBURSEMENT
- ------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
Fidelity VIP II Investment Grade Bond Portfolio ......... .43 .11 .54 .11 .54
Fidelity VIP II Asset Manager Portfolio (17) ............ .53 .10 .63 .09 .62
Fidelity VIP Equity-Income Portfolio (17) ............... .48 .09 .57 .08 .56
Fidelity VIP Growth Portfolio (17) ...................... .58 .08 .66 .07 .65
Fidelity VIP Overseas Portfolio (17) .................... .73 .18 .91 .14 .87
------------------------------
</TABLE>

Example

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- ------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Division .... $ 69 $ 82 $ 97 $ 163
State Street Research Income Division ............ 69 81 96 161
Fidelity VIP II Investment Grade Bond Division ... 71 86 105 179
State Street Research Diversified Division ....... 70 84 101 170
Fidelity VIP II Asset Manager Division ........... 72 89 110 189
Calvert Social Balanced Division ................. 74 97 123 217
MetLife Stock Index Division ..................... 68 78 91 151
Fidelity VIP Equity-Income Division .............. 71 87 106 182
Harris Oakmark Large Cap Value Division .......... 77 106 137 245
T. Rowe Price Large Cap Growth Division .......... 79 111 145 262
State Street Research Growth Division ............ 70 85 103 175
</TABLE>

FFA-8
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES--ENHANCED PREFERENCE PLUS DEFERRED ANNUITIES AND INCOME
ANNUITIES (continued)
- --------------------------------------------------------------------------------

<TABLE>
<S> <C> <C> <C> <C>
Fidelity VIP Growth Division ..................... $ 72 $ 90 $ 111 $ 192
Davis Venture Value Division ..................... 74 95 119 208
Putnam Large Cap Growth Division ................. 76 101 129 229
MetLife Mid Cap Stock Index Division ............. 70 83 100 169
Neuberger Berman Partners Mid Cap Value Division . 77 107 139 248
Janus Mid Cap Division ........................... 73 92 114 198
Calvert Social Mid Cap Growth Division ........... 77 104 135 241
State Street Research Aggressive Growth Division . 73 93 115 201
Loomis Sayles High Yield Bond Division ........... 75 99 126 223
Russell 2000(Registered) Index Division .......... 74 97 123 218
T. Rowe Price Small Cap Growth Division .......... 72 89 109 187
Loomis Sayles Small Cap Division ................. 76 101 129 230
State Street Research Aurora Small Cap Value
Division ....................................... 76 102 132 234
Scudder Global Equity Division ................... 74 97 122 215
Morgan Stanley EAFE(Registered) Index Division ... 84 125 169 308
Putnam International Stock Division .............. 77 105 136 242
Fidelity VIP Overseas Division ................... 75 98 124 220
</TABLE>

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- ------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Index Division .... $ 14 $ 43 $ 74 $ 163
State Street Research Income Division ............ 14 42 73 161
Fidelity VIP II Investment Grade Bond Division ... 15 47 82 179
State Street Research Diversified Division ....... 14 45 78 170
Fidelity VIP II Asset Manager Division ........... 16 50 87 189
Calvert Social Balanced Division ................. 19 58 100 217
MetLife Stock Index Division ..................... 13 40 68 151
Fidelity VIP Equity-Income Division .............. 16 48 83 182
Harris Oakmark Large Cap Value Division .......... 22 66 114 245
T. Rowe Price Large Cap Growth Division .......... 23 71 122 262
State Street Research Growth Division ............ 15 46 80 175
Fidelity VIP Growth Division ..................... 17 51 88 192
Davis Venture Value Division ..................... 18 56 96 208
Putnam Large Cap Growth Division ................. 20 62 106 229
MetLife Mid Cap Stock Index Division ............. 14 45 77 169
Neuberger Berman Partners Mid Cap Value Division . 22 67 116 248
Janus Mid Cap Division ........................... 17 53 91 198
</TABLE>

FFA-9
<PAGE>
- --------------------------------------------------------------------------------
TABLE OF EXPENSES--ENHANCED PREFERENCE PLUS DEFERRED ANNUITIES AND INCOME
ANNUITIES (continued)
- --------------------------------------------------------------------------------

<TABLE>
<S> <C> <C> <C> <C>
Calvert Social Mid Cap Growth Division ........... $ 21 $ 65 $ 112 $ 241
State Street Research Aggressive Growth Division . 17 54 92 201
Loomis Sayles High Yield Bond Division ........... 19 60 103 223
Russell 2000(Registered) Index Division .......... 19 58 100 218
T. Rowe Price Small Cap Growth Division .......... 16 50 86 187
Loomis Sayles Small Cap Division ................. 20 62 106 230
State Street Research Aurora Small Cap Value
Division......................................... 21 63 109 234
Scudder Global Equity Division ................... 19 58 99 215
Morgan Stanley EAFE(Registered) Index Division ... 28 85 146 308
Putnam International Stock Division .............. 21 66 113 242
Fidelity VIP Overseas Division ................... 19 59 101 220
</TABLE>

FFA-10
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES--FINANCIAL FREEDOM DEFERRED ANNUITIES AND INCOME ANNUITIES
- --------------------------------------------------------------------------------

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

Separate Account, Metropolitan Fund, Zenith Fund, Calvert Fund and Fidelity VIP
and VIP II Funds expenses for the fiscal year ending December 31, 1999:

Contract Owner Transaction Expenses For All Investment Divisions Currently
Offered

Sales Load Imposed on Purchases .............................. None

Deferred Sales Load (as a percentage of the purchase
payment funding the withdrawal during the accumulation
period) ..................................................... None

Exchange Fee ................................................. None

Surrender Fee ................................................ None

Annual Contract Fee (2) .......................................... None

Separate Account Annual Expenses (as a percentage of average account value) (3)

General Administrative Expenses Charge ....................... .20%

Mortality and Expense Risk Charge ............................ .75%

Total Separate Account Annual Expenses ....................... .95%

Metropolitan Fund Annual Expenses (as percentage of average net assets)

<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>
Lehman Brothers Aggregate Bond Index Portfolio (8) ...... .25 .15 .40 .15 .40
State Street Research Income Portfolio (4)(5) ........... .32 .06 .38 .06 .38
State Street Research Diversified Portfolio (4)(5)(6) ... .43 .03 .46 .02 .45
MetLife Stock Index Portfolio (4) ....................... .25 .04 .29 .04 .29
Harris Oakmark Large Cap Value Portfolio (5)(6)(8) ...... .75 .40 1.15 .19 .94
T. Rowe Price Large Cap Growth Portfolio (5)(6)(8) ...... .69 .62 1.31 .24 .93
State Street Research Growth Portfolio (4)(5)(6) ........ .47 .04 .51 .02 .49
Putnam Large Cap Growth Portfolio (11)(12) .............. .80 .59 1.39 .20 1.00
MetLife Mid Cap Stock Index Portfolio (11)(12) .......... .25 .65 .90 .20 .45
Neuberger Berman Partners Mid Cap Value Portfolio (5)(6)(8) .70 .48 1.18 .06 .76
Janus Mid Cap Portfolio (5)(7) .......................... .67 .04 .71 .04 .71
State Street Research Aggressive Growth Portfolio (4)(5)(6) .70 .04 .74 .02 .72
------------------------------
</TABLE>

FFA-11
<PAGE>

- --------------------------------------------------------------------------------
TABLE OF EXPENSES--FINANCIAL FREEDOM DEFERRED ANNUITIES AND INCOME ANNUITIES
(continued)
- --------------------------------------------------------------------------------

Metropolitan Fund Annual Expenses
(as a percentage of average net assets) (continued)

Zenith Fund Annual Expenses
(as a percentage of average net assets)

Calvert Fund Annual Expenses
(as a percentage of average net assets)

Fidelity VIP and VIP II Funds Annual Expenses
(as a percentage of average net assets) (16)

Example

FFA-12
<PAGE>

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- ------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Calvert Social Balanced Division ................. $ 19 $ 58 $ 100 $ 217
MetLife Stock Index Division ..................... 13 40 68 151
Fidelity VIP Equity-Income Division .............. 16 48 83 182
Harris Oakmark Large Cap Value Division .......... 22 66 114 245
T. Rowe Price Large Cap Growth Division .......... 23 71 122 262
State Street Research Growth Division ............ 15 46 80 175
Fidelity VIP Growth Division ..................... 17 51 88 192
Davis Venture Value Division ..................... 18 56 96 208
Putnam Large Cap Growth Division ................. 20 62 106 229
MetLife Mid Cap Stock Index Division ............. 14 45 77 169
Neuberger Berman Partners Mid Cap Value Division . 22 67 116 248
Janus Mid Cap Division ........................... 17 53 91 198
Calvert Social Mid Cap Growth Division ........... 21 65 112 241
State Street Research Aggressive Growth Division . 17 54 92 201
Loomis Sayles High Yield Bond Division ........... 19 60 103 223
Russell 2000(Registered) Index Division .......... 19 58 100 218
T. Rowe Price Small Cap Growth Division .......... 16 50 86 187
Loomis Sayles Small Cap Division ................. 20 62 106 230
State Street Research Aurora Small Cap Value
Division........................................ 21 63 109 234
Scudder Global Equity Division ................... 19 58 99 215
Morgan Stanley EAFE(Registered) Index Division ... 28 85 146 308
Putnam International Stock Division .............. 21 66 113 242
Fidelity Overseas Division ....................... 19 59 101 220
</TABLE>

If you annuitize (elect a pay-out option under your Deferred Annuity) or do
not surrender your Deferred Annuity at the end of the time periods listed
below, you would pay the following expenses on a $1,000 investment in each
investment division listed below, assuming a 5% annual return on assets
(18)(19):

<TABLE>
<CAPTION>
1 3 5 10
YEAR YEARS YEARS YEARS
- ------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Fidelity Money Market Division ................... $ 13 $ 39 $ 67 $ 148
Lehman Brothers Aggregate Bond Index Division .... 14 43 74 163
State Street Research Income Division ............ 14 42 73 161
Fidelity VIP II Investment Grade Bond Division ... 15 47 82 179
State Street Research Diversified Division ....... 14 45 78 170
Fidelity VIP II Asset Manager Division ........... 16 50 87 189
Calvert Social Balanced Division ................. 19 58 100 217
MetLife Stock Index Division ..................... 13 40 68 151
Fidelity VIP Equity-Income Division .............. 16 48 83 182
Harris Oakmark Large Cap Value Division .......... 22 66 114 245
T. Rowe Price Large Cap Growth Division .......... 23 71 122 262
</TABLE>

FFA-13
<PAGE>

<TABLE>
<S> <C> <C> <C> <C>
State Street Research Growth Division .............. $ 15 $ 46 $ 80 $175
Fidelity VIP Growth Division ....................... 17 51 88 192
Davis Venture Value Division ....................... 18 56 96 208
Putman Large Cap Growth Division ................... 20 62 106 229
MetLife Mid Cap Stock Index Division ............... 14 45 77 169
Neuberger Berman Partners Mid Cap Value Division ... 22 67 116 248
Janus Mid Cap Division ............................. 17 53 91 198
Calvert Social Mid Cap Growth Division ............. 21 65 112 241
State Street Research Aggressive Growth Division ... 17 54 92 201
Loomis Sayles High Yield Bond Division ............. 19 60 103 223
Russell 2000(Registered) Index Division ............ 19 58 100 218
T. Rowe Price Small Cap Growth Division ............ 16 50 86 187
Loomis Sayles Small Cap Division ................... 20 62 106 230
State Street Research Aurora Small Cap Value
Division .......................................... 21 63 109 234
Scudder Global Equity Division ..................... 19 58 99 215
Morgan Stanley EAFE(Registered) Index Division ..... 28 85 146 308
Putman International Stock Division ................ 21 66 113 242
Fidelity Overseas Division ......................... 19 59 101 220
</TABLE>

(1) There are times when the early withdrawal charge does not apply to amounts
that are withdrawn from a Deferred Annuity. Each Contract Year you may
take the greater of 20% (10% for certain Enhanced Deferred Annuities) of
your Account Balance or your purchase payments made over 7 years ago free
of early withdrawal charges. There are no early withdrawal charges applied
to the Enhanced Non-Qualified Deferred Annuities for Section 457(f)
deferred compensation plans, Section 451 deferred fee arrangements,
Section 451 deferred compensation plans and Section 457(e)(11) severance
and death benefit plans.

(2) A $20 annual contract fee may be imposed on money in the Fixed Interest
Account. This fee may be waived under certain circumstances.

(3) Pursuant to the terms of the contract, our total Separate Account Annual
Expenses will not exceed .95% of your average balance in the investment
divisions. For purposes of presentation here, we estimated the allocation
between general administrative expenses and the mortality and expense risk
charge.

(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 Reimbursements"
reflect this reduction. The effect of the reduction is that performance
results are increased.

(8) These Portfolios began operating on November 9, 1998. We pay all Expenses
in excess of .20% (.25% for the Morgan Stanley EAFE(Registered) Index
Portfolio) of the average net assets for each of the Portfolios until each
Portfolio's total assets reach $100 million, or until November 8, 2000,
whichever comes first. MetLife ceased subsidizing such Expenses for Lehman
Brothers Aggregates Bond Index and Russell 2000(Registered) Index
Portfolios on July 13, 1999 and December 3, 1999, respectively. All
expense information for the Lehman Brothers Aggregate Bond Index which we
ceased subsidizing reflects current expenses without any reimbursement.
The "Other Expenses Before Reimbursement" for Harris Oakmark Large Cap
Value, T. Rowe Price Large Cap Growth and Neuberger Berman Partners Mid
Cap Value 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.

FFA-14
<PAGE>

(9) MetLife ceased subsidizing expenses in excess of .20% of the average net
assets of the Russell 2000(Registered) Index Portfolio on December 3,
1999. Beginning on February 22, 2000, MetLife began to pay all Expenses in
excess of .30% of the average net assets for the Russell 2000(Registered)
Index Portfolio until the Portfolio's total assets reach $200 million, or
until April 30, 2001, whichever comes first. The "Other Expenses Before
Reimbursement" for this Portfolio reflects expenses as if the Expense
reimbursement will be in effect for the entire current year.

(10) MetLife will pay all Expenses in excess of .25% of the average net assets
for the Morgan Stanley EAFE(Registered) Index Portfolio until the
Portfolio's total assets reach $100 million, or until November 8, 2000,
whichever comes first. After such date, MetLife will continue to pay all
Expenses in excess of .40% of the Portfolio's average net assets until the
Portfolio's total assets reach $200 million, or until April 30, 2001,
whichever comes first. The "Other Expenses Before Reimbursement"
information for this Portfolio assumes no reduction of expenses of any
kind. The "Other Expenses After Reimbursement" for this Portfolio reflects
our estimate of the effect of the combined reimbursement expected for the
current year. The effect of all such reimbursements is that performance
results are increased.

(11) Subject to state approval, these Portfolios will become available under
the Deferred Annuities and Income Annuities on or about July 5, 2000.

(13) New England Investment Management, Inc. ("NEIM") pays us for providing
administrative services. You do not bear these fees. NEIM absorbs the fees
payable to MetLife.

(14) NEIM pays all expenses other than brokerage costs, income taxes or other
extraordinary expenses in excess of 1.00% of the average net assets for
this Portfolio. The 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 Zenith Fund.

(15) The Portfolios have an offset arrangement with its custodian bank whereby
the custodians and transfer agent's fees may be paid indirectly by credits
earned on the Portfolios' uninvested cash balances. These credits are used
to reduce the Portfolios' expenses.

(16) The Fidelity VIP and VIP II Funds each have a Distribution and Service
Plan to help pay distribution costs (commonly known as a Rule 12b-1 plan).
These plans prevent the Fidelity VIP and VIP II Funds Portfolios from
paying any such costs. Rather, Fidelity & Management Research Company
("FMR") may use its management fee or other assets to pay expenses for
selling shares of the Fidelity VIP and VIP II Funds Portfolios, including
expenses of third parties. FMR or Fidelity Distributors Corp. pays MetLife
for providing certain distribution and shareholder services. Fidelity
Investments Institutional Operations Company, Inc. also pays MetLife for
providing administrative services. You are not responsible for these fees.
FMR and its affiliates absorb the fees paid to MetLife.

(17) Some of the brokerage commissions received have been used to pay the
Portfolios' expenses. This has the effect of reducing the Portfolios'
expenses. Also, the Portfolios' custodian and transfer agent may use
interest earned on uninvested cash to reduce the Portfolios' expenses. The
expense information has been restated to reflect current expenses as if
they had been in effect during the entire prior year.

(18) These examples assume reimbursement of Expenses were in effect. Therefore,
these numbers reflect the highest amount you would pay on a $1,000
investment in each investment division based on 1999 asset levels.

(19) This example assumes no early withdrawal charges are applicable. In order
to make this assumption for a pay-out option under your Deferred Annuity,
we also assumed that you selected an income payment type under which you
will receive payments over your lifetime or for a period of at least five
full years.

FFA-15
<PAGE>

- --------------------------------------------------------------------------------
ENHANCED PREFERENCE PLUS DEFERRED ANNUITIES
- --------------------------------------------------------------------------------
(For an accumulation unit outstanding throughout the period)

These tables and bar charts show fluctuations in the Accumulation Unit Values
for Enhanced Deferred Annuities for each investment division from year end to
year end. The information in this table has been derived from the Separate
Account's full financial statements or other reports (such as the annual
report).

[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Money Market Division (e) ................................. 1999 $12.62 $13.86 0
1998 12.24 12.62 0
1997 11.85 12.24 0
1996 11.46 11.85 0
1995 11.02 11.46 0
1994 10.72 11.02 12
1993 10.50 10.72 0
1992 10.33 10.50 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Division ............................ 1999 10.12 9.89 99
1998 10.00(h) 10.12 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
State Street Research Income Division .............................. 1999 35.52 34.38 393
1998 32.77 35.52 387
1997 30.13 32.77 314
1996 29.36 30.13 272
1995 24.79 29.36 213
1994 25.83 24.79 155
1993 23.43 25.83 111
1992 22.12 23.43 51
1991 19.02 22.12 3
1990 17.91(b) 19.02 0
</TABLE>

[GRAPHIC OMITTED]

FFA-16
<PAGE>

- -------------------------------------------------------------------------
ENHANCED PREFERENCE PLUS DEFERRED ANNUITIES (continued)
- -------------------------------------------------------------------------
(For an accumulation unit outstanding throughout the period)

[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Investment Grade Bond Division ............................ 1999 $16.84 $16.51 356
1998 15.62 16.84 339
1997 14.46 15.62 235
1996 14.15 14.46 165
1995 12.17 14.15 89
1994 12.77 12.17 24
1993 11.62 12.77 7
1992 10.99(d) 11.62 1

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
State Street Research Diversified Division ......................... 1999 39.79 42.85 902
1998 33.57 39.79 710
1997 28.11 33.57 515
1996 24.78 28.11 365
1995 19.69 24.78 333
1994 20.51 19.69 241
1993 18.36 20.51 125
1992 16.93 18.36 28
1991 13.68 16.93 3
1990 14.34(b) 13.68 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Asset Manager Division .................................... 1999 23.87 26.27 1,475
1998 20.94 23.87 1,439
1997 17.52 20.94 1,346
1996 15.44 17.52 1,118
1995 13.32 15.44 1,066
1994 14.32 13.32 728
1993 11.94 14.32 292
1992 11.23(d) 11.94 81
</TABLE>

FFA-17
<PAGE>

- --------------------------------------------------------------------------------
ENHANCED PREFERENCE PLUS DEFERRED ANNUITIES (continued)
- --------------------------------------------------------------------------------
(For an accumulation unit outstanding throughout the period)

[LINE CHART]
<S> <C> <C> <C> <C>
Calvert Social Balanced Division ................................... 1999 $23.40 $26.02 286
1998 20.32 23.40 250
1997 17.08 20.32 225
1996 15.31 17.08 179
1995 11.91 15.31 129
1994 12.43 11.91 90
1993 11.62 12.43 66
1992 10.90 11.62 27
1991 10.00(c) 10.90 2

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
MetLife Stock Index Division ....................................... 1999 41.28 49.39 3,697
1998 32.50 41.28 3,077
1997 24.83 32.50 2,504
1996 20.44 24.83 1,648
1995 15.07 20.44 1,062
1994 15.04 15.07 631
1993 13.86 15.04 507
1992 13.02 13.86 260
1991 10.13 13.02 0
1990 10.85(b) 10.13 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Equity-Income Division .................................... 1999 33.67 35.46 2,717
1998 30.45 33.67 2,790
1997 23.99 30.45 2,476
1996 21.19 23.99 1,775
1995 15.84 21.19 1,200
1994 15.02 15.84 513
1993 12.83 15.02 195
1992 11.75(d) 12.83 27
</TABLE>

FFA-18
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>
Harris Oakmark Large Cap Value Division ............................ 1999 $9.72 $8.96 54
1998 10.00(h) 9.72 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
T. Rowe Price Large Cap Growth Division ............................ 1999 11.01 13.33 71
1998 10.00(h) 11.01 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
State Street Research Growth Division .............................. 1999 76.19 89.41 892
1998 60.00 76.19 803
1997 47.19 60.00 656
1996 38.99 47.19 436
1995 29.57 38.99 324
1994 30.85 29.57 197
1993 27.22 30.85 123
1992 24.63 27.22 47
1991 18.67 24.63 7
1990 21.66(b) 18.67 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Growth Division ........................................... 1999 40.49 55.12 2,921
1998 29.30 40.49 2,484
1997 23.95 29.30 2,249
1996 21.08 23.95 1,757
1995 15.72 21.08 1,218
1994 15.87 15.72 641
1993 13.43 15.87 290
1992 12.05(d) 13.43 93
</TABLE>

FFA-19
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>
Neuberger Berman Partners Mid Cap Value Division ................... 1999 $10.73 $12.50 61
1998 10.00(h) 10.73 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Janus Mid Cap Division ............................................. 1999 17.29 38.18 1,964
1998 12.72 17.29 523
1997 10.00(f) 12.72 167

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Calvert Social Mid Cap Growth Division ............................. 1999 26.46 28.04 143
1998 20.58 26.46 127
1997 16.81 20.58 80
1996 15.80 16.81 57
1995 11.43 15.80 18
1994 12.81 11.43 2
1993 12.03 12.81 1
1992 10.78(d) 12.03 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
State Street Research Aggressive Growth Division ................... 1999 42.82 56.52 1,462
1998 38.02 42.82 1,533
1997 35.98 38.02 1,572
1996 33.72 35.98 1,396
1995 26.29 33.72 997
1994 27.05 26.29 625
1993 22.26 27.05 358
1992 20.37 22.26 134
1991 12.35 20.37 7
1990 14.85(b) 12.35 0
</TABLE>

FFA-20
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>
Loomis Sayles High Yield Bond Division ............................. 1999 $9.65 $11.26 148
1998 10.53 9.65 89
1997 10.00(f) 10.53 49

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Russell 2000(Registered) Index Division ............................ 1999 10.53 12.81 130
1998 10.00(h) 10.53 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
T. Rowe Price Small Cap Growth Division ............................ 1999 12.08 15.32 663
1998 11.79 12.08 657
1997 10.00(f) 11.79 279

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Scudder Global Equity Division ..................................... 1999 12.49 15.49 361
1998 10.88 12.49 256
1997 10.00(f) 10.88 120

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Morgan Stanley EAFE(Registered) Index Division ..................... 1999 10.80 13.36 80
1998 10.00(h) 10.80 0
</TABLE>

FFA-21
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>
Putnam International Stock Division ................................ 1999 $16.43 $18.96 818
1998 13.54 16.43 837
1997 13.99 13.54 853
1996 14.38 13.99 868
1995 14.40 14.38 814
1994 13.84 14.40 558
1993 9.45 13.84 191
1992 10.63 9.45 50
1991 10.00(g) 10.63 4

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Overseas Division ......................................... 1999 19.85 28.04 724
1998 17.77 19.85 656
1997 16.08 17.77 647
1996 14.34 16.08 397
1995 13.20 14.34 197
1994 13.10 13.20 93
1993 9.63 13.10 27
1992 11.22(d) 9.63 4
</TABLE>

(a) Not all investment divisions are offered under the various Enhanced
Deferred Annuities.

(b) Inception Date July 2, 1990.

(d) Inception Date May 1, 1992.

(e) No longer offered under the Enhanced Deferred Annuities

(f) Inception Date March 3, 1997.

(g) Inception Date July 1, 1991. Sales commenced for Non-Qualified Enhanced
Deferred Annuities for Section 457(f) deferred compensation plans, Section
451 deferred fee arrangements, Section 451 deferred compensation plans and
Section 451(e)(11) severance and death benefit plans in 1991.

(h) Inception Date November 9, 1998.

FFA-22
<PAGE>

- --------------------------------------------------------------------------------
FINANCIAL FREEDOM DEFERRED ANNUITIES
- --------------------------------------------------------------------------------
(For an accumulation unit outstanding throughout the period)

These tables and bar charts show fluctuations in the Accumulation Unit Values
for Financial Freedom Deferred Annuities for each investment division from year
end to year end. The information in this table has been derived from the
Separate Account's full financial statements, or other reports (such as the
annual report).

[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Money Market Division .................................... 1999 $12.62 $13.86 761
1998 12.24 12.62 148
1997 11.85 12.24 81
1996 11.46 11.85 101
1995 11.02 11.46 41
1994 10.72 11.02 26
1993 10.50 10.72 19
1992 10.22 10.50 12
1991 10.00(b) 10.22 1,146

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Lehman Brothers Aggregate Bond Division ........................... 1999 10.12 9.89 3
1998 10.00(e) 10.12 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
State Street Research Income Division ............................. 1999 35.52 34.38 20
1998 32.77 35.52 24
1997 30.13 32.77 5
1996 29.36(a) 30.13 0
</TABLE>

[GRAPHIC OMITTED]

FFA-23
<PAGE>

- --------------------------------------------------------------------------------
FINANCIAL FREEDOM DEFERRED ANNUITIES (continued)
- --------------------------------------------------------------------------------
(For an accumulation unit outstanding throughout the period)

[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Investment Grade Bond Division ........................... 1999 $16.84 $16.51 218
1998 15.62 16.84 218
1997 14.46 15.62 170
1996 14.15 14.46 133
1995 12.17 14.15 115
1994 12.77 12.17 72
1993 11.62 12.77 46
1992 11.00 11.62 25
1991 10.00(b) 11.00 2

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
State Street Research Diversified Division ......................... 1999 39.79 42.85 59
1998 33.57 39.79 48
1997 28.11 33.57 20
1996 24.78(a) 28.11 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Asset Manager Division .................................... 1999 23.87 26.27 812
1998 20.94 23.87 815
1997 17.52 20.94 816
1996 15.44 17.52 742
1995 13.32 15.44 600
1994 14.32 13.32 511
1993 11.94 14.32 309
1992 10.78 11.94 111
1991 10.00(b) 10.78 12
</TABLE>

FFA-24
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>
Calvert Social Balanced Division ................................... 1999 $23.44 $26.06 222
1998 20.35 23.44 183
1997 17.11 20.35 162
1996 15.34 17.11 120
1995 11.93 15.34 82
1994 12.45 11.93 56
1993 11.63 12.45 35
1992 10.91 11.63 22
1991 10.00(b) 10.91 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
MetLife Stock Index Division ....................................... 1999 35.21 42.13 1,245
1998 27.72 35.21 942
1997 21.18 27.72 799
1996 17.43 21.18 514
1995 12.86 17.43 310
1994 12.83 12.86 226
1993 11.82 12.83 150
1992 11.11 11.82 1,999
1991 10.00(b) 11.11 2,181

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Equity-Income Division .................................... 1999 33.67 35.46 1,036
1998 30.45 33.67 963
1997 23.99 30.45 906
1996 21.19 23.99 659
1995 15.84 21.19 445
1994 15.02 15.84 270
1993 12.83 15.02 165
1992 11.07 12.83 66
1991 10.00(b) 11.07 4

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Harris Oakmark Large Cap Value Division ............................ 1999 9.72 8.96 6
1998 10.00(e) 9.72 0
</TABLE>

FFA-25
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>

T. Rowe Price Large Cap Growth Division ............................ 1999 $11.01 $13.33 16
1998 10.00(e) 11.01 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
State Street Research Growth Division .............................. 1999 76.19 89.41 65
1998 60.00 76.19 56
1997 47.19 60.00 32
1996 38.99(a) 47.19 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Growth Division ........................................... 1999 40.49 55.12 1,554
1998 29.30 40.49 1,363
1997 23.95 29.30 1,317
1996 21.08 23.95 1,058
1995 15.72 21.08 762
1994 15.87 15.72 508
1993 13.43 15.87 317
1992 12.40 13.43 136
1991 10.00(b) 12.40 30

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Neuberger Berman Partners Mid Cap Value Division ................... 1999 10.73 12.50 10
1998 10.00(e) 10.73 0
</TABLE>

FFA-26
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>
Janus Mid Cap Division ............................................. 1999 17.29 38.18 450
1998 12.72 17.29 140
1997 10.00(d) 12.72 52

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Calvert Social Mid Cap Growth Division ............................. 1999 26.46 28.04 145
1998 20.58 26.46 133
1997 16.81 20.58 118
1996 15.80 16.81 108
1995 11.43 15.80 62
1994 12.81 11.43 44
1993 12.03 12.81 29
1992 10.67 12.03 16
1991 10.00(b) 10.67 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
State Street Research Aggressive Growth Division ................... 1999 42.82 56.52 24
1998 38.02 42.82 22
1997 35.98 38.02 14
1996 33.72(a) 35.98 3

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Loomis Sayles High Yield Bond Division ............................. 1999 9.65 11.26 50
1998 10.53 9.65 37
1997 10.00(d) 10.53 8

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Russell 2000(Registered) Index Division ............................ 1999 10.53 12.81 30
1998 10.00(e) 10.53 0
</TABLE>

FFA-27
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>
T. Rowe Price Small Cap Growth Division ............................ 1999 12.08 15.32 317
1998 11.79 12.08 242
1997 10.00(d) 11.79 108

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Scudder Global Equity Division ..................................... 1999 12.49 15.49 178
1998 10.88 12.49 146
1997 10.00(d) 10.88 56

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Morgan Stanley EAFE(Registered) Index Division ..................... 1999 10.80 13.36 11
1998 10.00(e) 10.80 0

<CAPTION>
[LINE CHART]
<S> <C> <C> <C> <C>
Putnam International Stock Division ................................ 1999 16.43 18.96 24
1998 13.54 16.43 22
1997 13.99 13.54 10
1996 14.38(a) 13.99 0
</TABLE>

FFA-28
<PAGE>

[LINE CHART]
<S> <C> <C> <C> <C>
Fidelity Overseas Division ......................................... 1999 $19.85 $28.04 513
1998 17.77 19.85 486
1997 16.08 17.77 508
1996 14.34 16.08 365
1995 13.20 14.34 259
1994 13.10 13.20 197
1993 9.63 13.10 98
1992 10.89 9.63 24
1991 10.00(b) 10.89 4
</TABLE>

(a) Inception Date May 1, 1996.

(b) Inception Date July 1, 1991.

(d) Inception Date March 3, 1997.

(e) Inception Date November 9, 1998.

FFA-29

<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 Gen
America 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
with 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 the
Enhanced Preference Plus Account and Financial Freedom Account Variable Annuity
Contracts and some other 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.

FFA-30
<PAGE>

Variable Annuities

There are two types of variable annuities described in this Prospectus: Deferred
Annuities and Income Annuities. These annuities are "variable" because the value
of your account or income varies based on the investment performance of the
investment divisions you choose. In short, the value of your Deferred Annuity,
your income payments under a variable pay-out option of your Deferred Annuity,
or your income payments under your Income Annuity, may go up or down. Since the
investment performance is not guaranteed, your money is at risk. The degree of
risk will depend on the investment divisions you select. The Accumulation Unit
Value or Annuity Unit Value for each investment division rises or falls based on
the investment performance (or "experience") of the Portfolio with the same
name.

The Deferred Annuities have a fixed interest rate option called the "Fixed
Interest Account." With the Fixed Interest Account, your money earns a rate of
interest that we guarantee. Income Annuities and the variable pay-out options
under the Deferred Annuities have a fixed payment option called the Fixed Income
Option. Under the "Fixed Income Option," we guarantee the amount of your fixed
income payments. These fixed options are not described in this Prospectus
although we occasionally refer to them.

A Deferred Annuity

The pay-out phase begins when you either take all of your money out of the
account or elect to have us pay you "income" payments using the money in your
account. The number and the amount of the income payments you receive will
depend on such things as the type of pay-out option you choose, your investment
choices, and the amount used to provide your income payments. Because Deferred
Annuities offer various insurance benefits such as pay-out options, including
our guarantee of income for your lifetime, the Deferred Annuities are
"annuities."

All TSA, PEDC, 403(a) and IRA arrangements receive tax deferral under the
Internal Revenue Code and/or the plan. There are no additional tax benefits by
funding these tax qualified arrangements with a Deferred Annuity. Therefore,
there should be reasons other than tax deferrral, such as the availability of a
guaranteed income for life or the death benefit, for acquiring the Deferred
Annuity within these arrangements.

An Income Annuity

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

The group Deferred Annuities and group Income Annuities described in this
Prospectus are offered to an employer, association, trust or other group for its
employees, members or participants.

A Deferred Annuity consists of two phases: the accumulation or "pay-in" phase
and the income or "pay-out" phase.
- --------------------------------------------------------------------------------

FFA-31
<PAGE>

stream for your lifetime; others guarantee an income stream for both your
lifetime, as well as the lifetime of another person (such as a spouse). Some
Income Annuities guarantee a time period of your choice over which MetLife will
make income payments. Income Annuities also have other features. The amount of
the income payments you receive will depend on such things as the type of
pay-out option you choose, your investment choices and the amount of your
purchase payment.

Your Investment Choices

The Metropolitan Fund, the Zenith Fund, the Calvert Fund and Fidelity VIP and
VIP II Funds and each of their Portfolios are more fully described in their
respective prospectuses and SAIs. The Metropolitan Fund and Zenith Fund
prospectuses are attached at the end of this Prospectus. If any of the Calvert
Fund or Fidelity VIP and VIP II Funds' Portfolios are available to you, then you
will also receive their prospectuses as appropriate. You should read these
prospectuses carefully before making purchase payments to the investment
divisions. The SAI for each fund is available upon your request.

The following list of investment choices includes five Portfolios that, subject
to state approval, we anticipate will be available on or about July 5, 2000.

[GRAPHIC OMITTED]

Fidelity Money Market Portfolio
Lehman Brothers Aggregate Bond Index Portfolio
State Street Research Income Portfolio
Fidelity Investment Grade Bond Portfolio
State Street Research Diversified Portfolio
Fidelity Asset Manager Portfolio
Calvert Social Balanced Portfolio
MetLife Stock Index Portfolio
Fidelity Equity-Income Portfolio
Harris Oakmark Large Cap Value Portfolio
T. Rowe Price Large Cap Growth Portfolio
State Street Research Growth Portfolio
Fidelity Growth Portfolio
Davis Venture Value Portfolio
Putnam Large Cap Growth Portfolio
MetLife Mid Cap Stock Index Portfolio
Neuberger Berman Partners Mid Cap Value Portfolio

- --------------------------------------------------------------------------------
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 investment divisions and Portfolios are
not those mutual funds. The Portfolios most likely will not have the same
performance experience as any publicly available mutual fund.

The investment divisions generally offer the opportunity for greater returns
over the long term than our guaranteed fixed rate option.
- --------------------------------------------------------------------------------

FFA-32
<PAGE>

Janus Mid Cap Portfolio
Calvert Social Mid Cap Growth Portfolio
State Street Research Aggressive Growth Portfolio
Loomis Sayles High Yield Bond Portfolio
Russell 2000(Registered) Index Portfolio
T. Rowe Price Small Cap Growth Portfolio
Loomis Sayles Small Cap Portfolio
State Street Research Aurora Small Cap Value Portfolio
Scudder Global Equity Portfolio
Morgan Stanley EAFE(Registered) Index Portfolio
Putnam International Stock Portfolio
Fidelity Overseas Portfolio

o Some of the investment divisions are not approved in your state.

o Your employer, association or other group contract holder limits the
number of available investment divisions.

o We have restricted the available investment divisions.

o For Income Annuities, some states limit you to four choices (four
investment divisions or three investment divisions and the Fixed Income
Option).

The investment divisions buy and sell shares of corresponding mutual fund
portfolios. These Portfolios, which are either part of the Metropolitan Fund,
Zenith Fund, Calvert Fund or Fidelity VIP and VIP II Funds, invest in stocks,
bonds and other investments. Therefore, no dividends are distributed to you
under the Deferred Annuities or Income Annuities. You pay no transaction
expenses (i.e., front end 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 and Zenith Fund are available only by purchasing
annuities and life insurance policies from MetLife or certain of its affiliated
insurance companies and are never sold directly to the public. The Calvert Fund
and Fidelity VIP and VIP II Funds Portfolios are made available by the funds
only through various insurance company annuities and life insurance policies.

The Metropolitan Fund, Zenith Fund, Calvert Fund and Fidelity VIP and VIP II
Funds are "series" type funds 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 fund.

FFA-33
<PAGE>

Except for the Janus Mid Cap, Calvert Social Balanced and Calvert Social Mid Cap
Growth Portfolios, 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. The Zenith Fund pays New England Investment Management, Inc.
("NEIM") a monthly fee as its investment manager. The Portfolios of the Calvert
Fund pay Calvert Asset Management Company, Inc. a monthly fee as its investment
manager. Similarly, the Portfolios of the Fidelity VIP and VIP II Funds pay
Fidelity Management & Research Company a monthly fee as its investment manager.
These fees, as well as the operating expenses paid by each Portfolio, are
described, as applicable, in the Metropolitan Fund, Zenith Fund, the Calvert
Fund and Fidelity VIP and VIP II Funds prospectuses and SAIs.

In addition, the Metropolitan Fund and Zenith Fund prospectuses each discuss
other separate accounts of MetLife and its affiliated insurance companies that
invest in the Metropolitan Fund or the Zenith Fund. The Calvert Fund and the
Fidelity VIP and VIP II Funds prospectuses each discuss different separate
accounts of the various insurance companies that invest in each fund's
portfolios. The risks of these arrangements are also discussed in each fund's
prospectus.

Deferred Annuities

This Prospectus describes many kinds of Deferred Annuities under which you can
accumulate money:

Financial Freedom Account:
o TSA (Tax Sheltered Annuity)
o 403(a)
(Qualified
annuity plans under Section 403(a))
o Non-Qualified
(for certain
deferred arrangements
and plans)

Enhanced Preference
Plus Account:
o TSA (Tax Sheltered Annuity)
o 403(a) (Qualified annuity plans under Section 403(a))
o PEDC (Public Employee Deferred Compensation)
o Traditional IRA (Individual Retirement Annuities)
o Non-Qualified
o Non-Qualified
(for certain
deferred arrangements
and plans)

- --------------------------------------------------------------------------------
These Deferred Annuities are issued to a group. You are then a participant under
the group's Deferred Annuity.
- --------------------------------------------------------------------------------

FFA-34
<PAGE>

These Non-Qualified Deferred Annuities (for certain deferred arrangements and
plans) include Section 457(f) deferred compensation plans, Section 451 deferred
fee arrangements, Section 451 deferred compensation plans, Section 457(e)(11)
severance and death benefits plans, and for Financial Freedom Deferred Annuities
only, Section 415(m) qualified governmental excess benefit arrangements. The
Non-Qualified Deferred Annuities for Section 457(e)(11) severance and death
benefit plans have special tax risks. We no longer offer Section 457(e)(11)
severance and death benefit plans but will accept purchase payments for those
already issued.

Certain group Deferred Annuities may be issued to a bank that does nothing but
hold them as contract holder. Deferred Annuities may be either:

o Allocated (your Account Balance records are kept for you as an
individual); or

o Unallocated (Account Balance records are kept for a plan or group as a
whole).

The Deferred Annuity and Your Retirement Plan

The Deferred Annuity may provide that a plan administrative fee will be paid by
making a withdrawal from your Account Balance. Also, the Deferred Annuity may
require that you or your beneficiary obtain a signed authorization from your
employer or plan administrator to exercise certain rights. We may rely on your
employer's or plan administrator's statements to us as to the terms of the plan
or your entitlement to any amounts. We will not be responsible for determining
what your plan says. You should consult the Deferred Annuity contract and plan
document to see how you may be affected. If you are a Texas Optional Retirement
Program participant, please see Appendix II for specific information which
applies to you.

Automated Investment Strategies

There are five automated investment strategies available to you for Enhanced
Deferred Annuities. The Equity Generator is the only investment strategy
available for Financial Freedom Deferred Annuities. These investment strategies,
if available to you, are without any additional charges. As with any investment
program, no strategy can guarantee a gain - you can lose money. We may modify or
terminate any of the strategies at any time. You may have only one automated
investment strategy in effect at a time.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

FFA-35
<PAGE>

[GRAPHIC OMITTED]

The Equalizer(Service Mark): You start with equal amounts of money in the Fixed
Interest Account and your choice of either the MetLife Stock Index Division or
the State Street Research Aggressive Growth Division. Each quarter amounts are
transferred between the Fixed Interest Account and your chosen investment
division to make the values of each equal. Say you choose the MetLife Stock
Index Division. If over the quarter, it outperforms the Fixed Interest Account,
money is transferred to the Fixed Interest Account. Conversely, if the Fixed
Interest Account outperforms the MetLife Stock Index Division, money is
transferred into the MetLife Stock Index Division.

[GRAPHIC OMITTED]

The Index Selector(Service Mark): You may select one of five asset allocation
models which are designed to correlate to various risk tolerance levels. Based
on the model you choose, your entire Account Balance is divided among the Lehman
Brothers Aggregate Bond Index, MetLife Stock Index, Morgan Stanley
EAFE(Registered) Index, Russell 2000(Registered) Index and MetLife Mid Cap Stock
Index (available on or about July 5, 2000) investment divisions and the Fixed
Interest Account. On or about July 5, 2000 the models will be revised to include
the MetLife Mid Cap Stock Index Division. Each quarter, the percentage in each
of these investment divisions and the Fixed Interest Account is brought back to
the original percentage by transferring amounts among the investment divisions
and the Fixed Interest Account.

[GRAPHIC OMITTED]

FFA-36
<PAGE>

Purchase Payments

There is no minimum purchase payment.

For Non-Qualified Deferred Annuities for certain deferred arrangements or plans
(except those for Section 415(m) arrangements), we may require that each
purchase payment be at least $2,000. In addition, we may require that your total
purchase payments must be at least $15,000 for the first Contract Year and at
least $5,000 each subsequent Contract Year.

Unless limited by tax law, you may continue to make purchase payments under
Enhanced Deferred Annuities while you receive Systematic Withdrawal Program
payments, as described later in this Prospectus, unless your purchase payments
are made through automatic payroll deduction, salary reduction or salary
deduction.

In the case of TSA Deferred Annuity money being transferred from a fixed account
of another insurance company where you did not have access to your money because
the company was being rehabilitated or liquidated, we may add additional money
to the amount transferred to us to reflect the earlier lack of access.

Allocation of Purchase Payments

Limits on Purchase Payments

Your ability to make purchase payments may be limited by:

o Federal tax laws.

o Our right to limit the total of your purchase payments to $500,000. We may
change the maximum by telling you in writing at least 90 days in advance.

o Regulatory requirements. For example, if you reside in Washington or
Oregon, we may be required to limit your ability to make purchase payments
after you have held the Deferred Annuity for more than three years, if the
Deferred Annuity was issued to you after you turn 60; or after you turn
age 63, if the Deferred Annuity was issued before you were age 61. (Except
for an Enhanced PEDC Deferred Annuity.)

o A withdrawal based on your leaving your job.

o Receiving systematic termination payments (described later) from both the
Separate Account and Fixed Interest Account.

o For TSA and 403(a) Deferred Annuities if you should leave your job.

FFA-37
<PAGE>

The Value of Your Investment

[GRAPHIC OMITTED]

This is how we calculate the Accumulation Unit Value for each investment
division:

o First, we determine the change in investment performance (including any
investment-related charge) for the underlying Portfolio from the previous
trading day to the current trading day;

o Finally, we multiply the previous Accumulation Unit Value by this result.

[GRAPHIC OMITTED]

Examples

Calculating the Number of Accumulation Units

Assume you make a purchase payment of $500 into one investment division and that
investment division's Accumulation Unit Value is currently $10.00. You would be
credited with 50 accumulation units.

$500 = 50 accumulation units
----
10

Calculating the Accumulation Unit Value

$10.00 x 1.05 = $10.50 the new Accumulation Unit Value

$10.00 x .95 = $9.50 the new Accumulation Unit Value

FFA-38
<PAGE>

Transfers

You can make tax-free transfers between investment divisions or between the
investment divisions and the Fixed Interest Account. Such transfers are free of
any early withdrawal charges to you, except under certain Financial Freedom
Deferred Annuities where you may incur early withdrawal charges, if applicable,
for money transferred from the Fixed Interest Account to the investment
divisions. Some additional restrictions may also apply to transfers from the
Fixed Interest Account to the investment divisions. For us to process a
transfer, you must tell us:

o The percentage or dollar amount of the transfer;

o The investment division(s) (or Fixed Interest Account) from which you want
the money to be transferred;

o The investment division(s) (or Fixed Interest Account) to which you want
the money to be transferred; and

o Whether you intend to start, stop or modify an automated investment
strategy by making the transfer.

Each Fund may restrict or refuse purchases or redemptions of shares in their
Portfolios as a result of certain market timing activities. You should read the
Fund prospectuses for more details.

We may require you to:

o Use our forms;

o Maintain a minimum Account Balance (if the transfer is in connection with
an automated investment strategy or if there is an outstanding loan from
the Fixed Interest Account); or

o Transfer a minimum amount if the transfer is in connection with the
Allocator.

Access To Your Money

o The percentage or dollar amount of the withdrawal; and

o The investment divisions (or Fixed Interest Account) from which you want
the money to be withdrawn.

Generally, if you request, we will make payments directly to other

- --------------------------------------------------------------------------------
You may transfer money within your contract. You will not incur current taxes on
your earnings.

Income taxes, tax penalties and early withdrawal charges may apply to any
withdrawal you make.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

FFA-39
<PAGE>

investments on a tax-free basis. You may only do so if all applicable tax and
state regulatory requirements are met and we receive all information necessary
for us to make the payment. We may require you to use our forms.

Systematic Withdrawal Program for Enhanced TSA and IRA Deferred Annuities

If we agree and if approved in your state for only Enhanced TSA and IRA Deferred
Annuities, you may choose to automatically withdraw a specific dollar amount or
a percentage of your Account Balance each Contract Year. This amount is then
paid in equal portions throughout the Contract Year according to the time frame
you select, e.g., monthly, quarterly, semi-annually or annually. Once the
Systematic Withdrawal Program is initiated the payments will automatically renew
each Contract Year. Income taxes, tax penalties, and early withdrawal charges
may apply to your withdrawals.

If you elect to withdraw a dollar amount we will pay you the same dollar amount
each Contract Year. If you elect to withdraw a percentage of your Account
Balance, each Contract Year, we recalculate the dollar amount you will receive
based on your new Account Balance.

- --------------------------------------------------------------------------------
We will withdraw your systematic withdrawal program payments from the Fixed
Interest Account or investment divisions you select, either pro rata or in the
proportions you request. Each payment must be at least $50. For the TSA Enhanced
Deferred Annuity, if you elect to receive payments through this program, you
must either be 59 1/2 years old or have left your job and you must have no loan
outstanding from the Fixed Interest Account. Tax law generally prohibits
withdrawals from TSA Enhanced Deferred Annuities before you reach age 59 1/2.

[GRAPHIC OMITTED]

If you would like to receive your systematic withdrawal payment by the first of
the month, you should request that the payment date be the 20th of the prior
month.
- --------------------------------------------------------------------------------

FFA-40
<PAGE>

automatically begin systematic withdrawals within 30 days after we receive your
request. Changes in the dollar amount, percentage, or timing of payments can be
made once a year at the beginning of any Contract Year. However, we must receive
your request at least 30 days in advance. If you make any of these changes we
will treat your request as though you were starting a new Systematic Withdrawal
Program.

Systematic Withdrawal Program payments may be subject to an early withdrawal
charge unless an exception to this charge applies. For purposes of determining
how much of the annual payment amount is exempt from this charge under the free
withdrawal provision (discussed later), all Systematic Withdrawal Program
payments in a Contract Year are characterized as a single lump sum withdrawal as
of your first payment date in that Contract Year. When you first elect the
program, we will calculate the percentage of your Account Balance your
Systematic Withdrawal Program payment represents based on your Account Balance
on the first Systematic Withdrawal Program payment date. For all subsequent
Contract Years, we will calculate the percentage of your Account Balance your
Systematic Withdrawal Program payment represents based on your Account Balance
on the first Systematic Withdrawal Program payment date of that Contract Year.
We will determine separately the early withdrawal charge and any relevant
factors (such as applicable exceptions) for each Systematic Withdrawal Program
payment as of the date it is withdrawn from your Deferred Annuity.

Minimum Distribution

In order for you to comply with certain tax law provisions, you may be required
to take money out of your Deferred Annuity (i.e., the later of when you reach
70 1/2 or retire). Rather than receiving your minimum required distribution in
one annual lump-sum payment, you may request that we pay it to you in
installments throughout the calendar year. However, we may require that you
maintain a certain Account Balance at the time you request these payments.

Contract Fee

There is no Separate Account annual contract fee. You may pay a $20 annual fee
from the Fixed Interest Account at the end of each Contract Year.

- --------------------------------------------------------------------------------
Your Account Balance will be reduced by the amount of your systematic withdrawal
payments and applicable withdrawal charges. Payments under this program are not
the same as income payments you would receive from a Deferred Annuity pay-out
option or under an Income Annuity.
- --------------------------------------------------------------------------------

FFA-41
<PAGE>

Charges

There are two types of charges you pay while you have money in an investment
division:

o Insurance-related charge, and

o Investment-related charge.

Insurance-Related Charge

General administrative expenses we incur include financial, actuarial,
accounting, and legal expenses.

Investment-Related Charge

Premium Taxes

Some jurisdictions tax what are called "annuity considerations." These may apply
to purchase payments, Account Balances and death benefits. In most
jurisdictions, we currently do not deduct any money from purchase payments,
Account Balances or death benefits to pay these taxes. Generally, our practice
is to deduct money to pay premium taxes (also known as "annuity taxes") only
when you exercise a pay-out option. In certain states, we may also deduct money
to pay premium taxes on lump sum withdrawals or when you exercise a pay-out
option. We may deduct an amount to pay premium taxes some time in the future
since the laws and the interpretation of the laws relating to annuities are
subject to change.

MetLife guarantees that the Separate Account insurance-related charge will not
increase while you have a Deferred Annuity.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

FFA-42
<PAGE>

Premium taxes, if applicable, currently range from .5% to 5.0% depending on the
Deferred Annuity you purchase and your home state or jurisdiction. A chart in
the Appendix shows the states where premium taxes are charged and the amount of
these taxes.

Early Withdrawal Charges for TSA, 403(a), Non-Qualified, PEDC and IRA Enhanced
Deferred Annuities

An early withdrawal charge of up to 7% may apply if you withdraw purchase
payments within 7 years of when they were credited to your Deferred Annuity. To
determine the early withdrawal charge for the TSA, 403(a), Non-Qualified, PEDC
and IRA Enhanced Deferred Annuities, we treat your Fixed Interest Account and
Separate Account as if they were a single account and ignore both your actual
allocations and the Fixed Interest Account or investment division from which the
withdrawal is actually coming. To do this, we first assume that your withdrawal
is from amounts (other than earnings) that can be withdrawn without an early
withdrawal charge, then from other amounts (other than earnings) and then from
earnings, each on a "first-in-first-out" (oldest money first) basis. Once we
have determined the amount of the early withdrawal charge, we will then withdraw
it from the Fixed Interest Account and the investment divisions in the same
proportion as the withdrawal is being made. In determining what the withdrawal
charge is, we do not include earnings, although the actual withdrawal to pay it
may come from earnings.

For a full withdrawal, we multiply the amount to which the withdrawal charge
applies by the percentage shown; keep the result as an early withdrawal charge
and pay you the rest. We will treat your request as a request for a full
withdrawal if your Account Balance is not sufficient to pay both the requested
withdrawal and the early withdrawal charge.

The early withdrawal charge on purchase payments withdrawn is as follows:

- --------------------------------------------------------------------------------
During Purchase Payment Year

Year 1 2 3 4 5 6 7 8 & Later
Percentage 7% 6% 5% 4% 3% 2% 1% 0%
- --------------------------------------------------------------------------------

- --------------------------------------------------------------------------------
We do not include your earnings when calculating early withdrawal charges.
However, if the early withdrawal charge is greater than the rest of your
purchase payments, then we will take the early withdrawal charges, in whole or
in part, from your earnings. You will not pay an early withdrawal charge on any
purchase payments made more than 7 years ago. For Financial Freedom and certain
Non-Qualified Enhanced Deferred Annuities, early withdrawal charges do not apply
to the Separate Account. However, these charges may apply to withdrawals from
the Fixed Interest Account and to transfers from the Fixed Interest Account into
the investment divisions.
- --------------------------------------------------------------------------------

FFA-43
<PAGE>

By law, your total early withdrawal charges applied to amounts in the investment
divisions will never exceed 9% of all your purchase payments in the investment
divisions.

Because of the reduced sales costs for certain Enhanced Deferred Annuities,
there are no early withdrawal charges.

For certain deferred arrangements and plans, you pay no early withdrawal charges
on withdrawals from Financial Freedom Deferred Annuities and Non-Qualified
Enhanced Deferred Annuities.

When No Early Withdrawal Charge Applies for TSA, 403(a), Non-Qualified, PEDC and
IRA Enhanced Deferred Annuities

In some cases, we will not charge you the early withdrawal charge when you make
a withdrawal. We may, however, ask you to prove that you meet one of the
following conditions listed below.

You do not pay an early withdrawal charge:

o On transfers you make within your Deferred Annuity.

o On withdrawals of purchase payments you made over seven years ago.

o If you choose payments over one or more lifetimes or for a period of at
least five years (without the right to accelerate the payments).

o If you die during the pay-in phase. Your beneficiary will receive the full
death benefit without deduction.

o If you withdraw up to 20% (10% for certain TSA Enhanced Deferred
Annuities) of your Account Balance each Contract Year. This 20% (or 10%)
total withdrawal may be taken in an unlimited number of partial
withdrawals during that Contract Year. Each time you make a withdrawal, we
calculate what percentage your withdrawal represents at that time. Only
when the total of these percentages exceeds 20% (or 10%) will you have to
pay early withdrawal charges.

o If the withdrawal is required for you to avoid Federal income tax
penalties or to satisfy Federal income tax rules or Department of Labor
regulations that apply to your Deferred Annuity.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

Early withdrawal charges never apply to transfers among investment divisions or
transfers to the Fixed Interest Account.
- --------------------------------------------------------------------------------

FFA-44
<PAGE>

o Systematic Termination. For all Deferred Annuities except certain TSA,
Non-Qualified and IRA Enhanced Deferred Annuities, if the contract is
terminated, the Account Balance may be systematically withdrawn in annual
installments without early withdrawal charges. You may ask to receive your
money in annual installments based on the following percentages of your
Account Balance for that year's withdrawal:

- --------------------------------------------------------------------------------
Contract Year

1* 2 3 4 5
20% 25% 33 1/3% 50% remainder

* Less that Contract Year's withdrawals.
- --------------------------------------------------------------------------------

Any money you withdraw in excess of these percentages in any Contract Year will
be subject to early withdrawal charges. You may stop the systematic termination
of the contract. If you ask to restart systematic termination, you begin at the
beginning of the schedule listed above.

o If you are disabled and you request a total withdrawal. Disability is as
defined in the Federal Social Security Act.

o If you retire:

o For the Non-Qualified and certain PEDC Enhanced Deferred Annuities,
if you retire.

o For certain TSA Enhanced Deferred Annuities, if you have also
participated for at least 10 consecutive years. This does not apply
for withdrawals of money transferred into the contract from other
investment vehicles on a tax-free basis (plus earnings on such
amounts). Participated for at least 10 consecutive years means that
your contract must have been in existence for 10 years prior to the
requested withdrawal.

o For certain TSA, PEDC and 403(a) Enhanced Deferred Annuities, if you
also have participated for at least 10 consecutive years unless you
retire according to the definition of retirement stated in your
plan. Participated for at least 10 consecutive years means that your
contract must have been in existence for 10 years prior to the
requested withdrawal.

o If you leave your job with the employer that bought the Deferred Annuity.
(Except for certain TSA, Non-Qualified and IRA Enhanced Deferred
Annuities.)

o If your plan terminates and the withdrawal is transferred into another
annuity contract we issue. (Except for certain TSA, Non-Qualified and IRA
Enhanced Deferred Annuities.)

FFA-45
<PAGE>

o If your plan provides payment on account of hardship and you suffer from
an unforeseen hardship. (Except for certain TSA, 403(a), Non-Qualified and
IRA Enhanced Deferred Annuities.) For certain TSA Enhanced Deferred
Annuities, you must only have suffered an unforeseen hardship.

o If you make a direct transfer to other investment vehicles we have
pre-approved. (Except for certain TSA, Non-Qualified and IRA Enhanced
Deferred Annuities.)

o If you withdraw money under a plan provision which we have pre-approved.
(Except for certain TSA, Non-Qualified, PEDC, and IRA Enhanced Deferred
Annuities.)

When Another Early Withdrawal Charge May Apply

[GRAPHIC OMITTED]

o Amounts transferred before January 1, 1996:

We credit your transferred amounts with the time you held them under your
original contract. Or, if it will produce a lower charge, we use the
following schedule to determine early withdrawal charges for transferred
amounts from your original contract.

- --------------------------------------------------------------------------------
During Purchase Payment Year

Year 1 2 3 4 5 6 and Beyond
Percentage 5% 4% 3% 2% 1% 0%
- --------------------------------------------------------------------------------

o Amounts transferred on or after January 1, 1996:

- --------------------------------------------------------------------------------
After the Transfer

Year 1 2 3 4 5 6 and Beyond
Percentage 5% 4% 3% 2% 1% 0%
- --------------------------------------------------------------------------------

FFA-46
<PAGE>

o Alternatively, if provided for in your Deferred Annuity, we credit your
purchase payments with the time you held them under your original
contract.

[GRAPHIC OMITTED]

Free Look

Death Benefit

o Enhanced TSA

o Enhanced Non-Qualified

o Enhanced 403(a)

o Enhanced Traditional IRA

o Financial Freedom TSA

o Financial Freedom 403(a)

For the following Deferred Annuities the trustee receives the death benefit:

o Non-Qualified Deferred Annuity for

o Section 457(f) deferred compensation plan

o Section 451 deferred fee arrangements

o Section 451 deferred compensation plans

o Section 457(e)(11) severance and death benefit plans

o Section 415(m) qualified governmental excess benefit arrangements

FFA-47
<PAGE>

o For PEDC Deferred Annuities, the employer or trustee receives the death
benefit.

The death benefit your beneficiary receives will be the greatest of:

o Your Account Balance;

o The total of all of your purchase payments less any partial withdrawals.

In each case, we deduct the amount of any outstanding loans from the death
benefit.

We will only pay the death benefit when we receive both proof of death and
appropriate instructions for payment.

Pay-out Options (or Income Options)

You may convert your Deferred Annuity into a regular stream of income after your
"pay-in" or "accumulation" phase. When you are selecting your pay-out option you
will be able to choose from the range of options we then have available. You
have the flexibility to select a stream of income to meet your needs. If you
decide you want a pay-out option, we withdraw some or all of your Account
Balance (less any premium taxes, applicable contract fees and outstanding
loans), then we apply the net amount to the option. You are not required to hold
your Deferred Annuity for any minimum time period before you may annuitize.
Generally, you may defer receiving payments for up to one year after you have
chosen your pay-out option. The variable pay-out option may not be available in
certain states.

When considering whether to select a pay-out option, you should think about
whether you want:

o Payments guaranteed by us for the rest of your life (or for the rest of
two lives) or for a specified period;

o A fixed dollar payment or a variable payment;

o A refund feature.

- --------------------------------------------------------------------------------
The pay-out phase is often referred to as either "annuitizing" your contract or
taking an income annuity.

FFA-48
<PAGE>

lifetime. The terms of the contract supplement to your Deferred Annuity will
tell you when your income payments start and the frequency with which you will
receive your income payments.

By the date specified in your contract, if you do not either select a pay-out
option or withdraw your entire Account Balance, and your Deferred Annuity was
not issued under a retirement plan, we will automatically issue you a life
annuity with a 10 year guarantee. In that case, if you do not tell us otherwise,
your Fixed Interest Account Balance will be used to provide a Fixed Income
Option and your Separate Account Balance will be used to provide a variable
income option. However, if we do ask you what you want us to do and you do not
respond, we may treat your silence as a request by you to continue your Deferred
Annuity.

Income Annuities

Income Annuities provide you with a regular stream of payments for either your
lifetime or a specific period. You have the flexibility to select a stream of
income to meet your needs. Income Annuities can be purchased so that you begin
receiving payments immediately or you can apply the Account Balance of the
Deferred Annuity to a pay-out option to receive payments during your "pay-out"
phase. With an Income Annuity, you must start receiving payments within the
first year after the annuity is issued. The Income Annuity currently may not be
available in certain states.

We do not guarantee that your variable payments will be a specific amount of
money. You may choose to have a portion of the payment fixed and guaranteed
under the Fixed Income Option.

Using proceeds from the following types of arrangements, you may purchase the
following types of Income Annuities to receive immediate payments:

Financial Freedom Account: Enhanced Preference Plus Account:

o TSA o TSA
o 403(a) o 403(a)
o Non-Qualified (for certain o PEDC
deferred arrangements o Traditional IRA
and plans) o Non-Qualified
o Non-Qualified (for certain deferred
arrangements and plans)

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You may choose the frequency of your income payments. For example, you may
receive your payments on a monthly, quarterly, semi-annual or annual basis.
- --------------------------------------------------------------------------------

FFA-49
<PAGE>

These Non-Qualified Deferred Annuities (for certain deferred arrangements and
plans) include Section 457(f) deferred compensation plans, Section 451 deferred
fee arrangements, Section 451 deferred compensation plans, Section 457(e)(11)
severance and death benefits plans, and Section 415(m) qualified governmental
excess benefit arrangements. The Deferred Annuities for Section 457(e)(11)
severance and death benefit plans have special tax risks. We no longer offer the
Non-Qualified Deferred Annuities for Section 457(e)(11) severance and death
benefit plans but will accept a purchase payment for those already issued.

If your retirement plan has purchased an Income Annuity, then your choice of
pay-out options may be subject to the terms of the plan. We may rely on your
employer's or plan administrator's statements to us as to the terms of the plan
or your entitlement to any payments. We will not be responsible for interpreting
the terms of your plan. You should review your plan document to see how you may
be affected.

Income Payment Types

Currently, we provide you with a wide variety of income payment types to suit a
range of personal preferences.

There are three people who are involved in payments under your Income Annuity:

o Owner: the person or entity which has all rights under the Income Annuity
including the right to direct who receives payment.

o Annuitant: the person whose life is the measure for determining the
duration and sometimes the dollar amount of payments.

o Beneficiary: the person who may receive continuing payments or a lump sum
payment if the owner dies.

Lifetime Income Annuity: A variable income that is paid as long as the annuitant
is living.

- --------------------------------------------------------------------------------
Many times the Owner and the Annuitant are the same person.

When deciding how to receive income, consider:

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.
- --------------------------------------------------------------------------------

FFA-50
<PAGE>

[GRAPHIC OMITTED]

FFA-51
<PAGE>

Allocation

You decide how your money is allocated among the Fixed Income Option and the
investment divisions.

Minimum Size of Your Income Payment

The Value of Your Income Payments

Annuity Units

AIR

The AIR is stated in your contract and may range from 3% to 6%.
- --------------------------------------------------------------------------------

FFA-52
<PAGE>

Valuation

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 Then, we multiply by an adjustment based on your 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.

Transfers

For us to process a transfer, you must tell us:

o The percentage or dollar amount of the transfer;

o The investment divisions (or Fixed Income Option) to which you want to
transfer; and

o The investment division from which you want to transfer.

We may require that you use our forms to make transfers.

Each Fund may restrict or refuse purchases or redemptions of shares in their
Portfolios as a result of certain market timing activities. You should read the
Fund prospectuses for more details.

Your transfer request must be completed prior to 4:00 p.m. Eastern time on one
of our business days if you want the transaction to take place on that day. All
other transfers will be processed our next business day.

Contract Fee

There is no contract fee under the Income Annuities.

Charges

There are two types of charges you pay if you allocate any of your purchase
payment to the investment divisions:

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

Once you transfer money into the Fixed Income Option you may not later transfer
it into an investment division.

The charges you pay will not reduce the number of annuity units credited to you.
Instead, we deduct the charges when calculating the Annuity Unit Value.
- --------------------------------------------------------------------------------

FFA-53
<PAGE>

o Insurance-related charge; and

o Investment-related charge.

Insurance-Related Charge

General administrative expenses we incur include financial, actuarial,
accounting, and legal expenses.

The mortality portion of the insurance-related charge pays us for the risk that
you may live longer than we estimated. Then, we could be obligated to pay you
more in payments than we anticipated.

We also bear the risk that our expenses in administering the Income Annuities
will be greater than we estimated (expense risk).

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 you pay depends on the investment divisions you select.
Amounts for each investment division for the previous year are listed in the
Table of Expenses.

Premium Taxes

Some jurisdictions tax what are called "annuity considerations." We deduct money
to pay "premium" taxes (also known as "annuity" taxes) when you make the
purchase payment.

Premium taxes, if applicable, currently range from .5% to 5.0% depending on the
Income Annuity you purchased and your home state or jurisdiction. A chart that
shows the states where premium taxes are charged and the amount of these taxes
is in the Appendix.

Free Look

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You do not have a free look if you are electing income payments in the pay-out
phase of your Deferred Annuity.
- --------------------------------------------------------------------------------

FFA-54
<PAGE>

General Information

Administration

All transactions will be processed in the manner described below.

Purchase Payments

Send your purchase payments by check or money order made payable to "MetLife,"
to your MetLife Designated Office. We will provide you with all necessary forms.
We must have all properly completed documents to credit your purchase payments.

o On a day when the Accumulation Unit/Annuity Unit Value is not calculated,
or

o After 4:00 p.m. Eastern time.

In those cases, the purchase payments will be effective the next day the
Accumulation Unit Value or Annuity Unit Value, as applicable, is calculated.

Confirming Transactions

- --------------------------------------------------------------------------------
Generally, your properly completed requests including subsequent purchase
payments are effective the day we receive them at your MetLife Designated
Office.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

FFA-55
<PAGE>

Processing Transactions

We permit you to request transactions by mail and telephone. We anticipate
making Internet access available to you in the future. We may suspend or
eliminate telephone or Internet privileges at any time without prior notice. We
reserve the right not to accept requests for transactions by facsmile. We
reserve the right to refuse any transaction request where the request would tend
to disrupt contract administration or is not in the best interest of the
contract holders or the Separate Account.

By Telephone or Internet

You may request a variety of transactions and obtain information by telephone,
24 hours a day, 7 days a week, unless prohibited by state law or by your
employer. Likewise in the future, you may be able to request a variety of
transactions and obtain information through Internet access, unless prohibited
by state law. Some of the information and transactions accessible to you
include:

o Account Balance

o Unit Values

o Current rates for the Fixed Interest Account

o Transfers

o Changes to investment strategies

o Changes in the allocation of future purchase payments.

Response times for the telephone or Internet may vary due to a variety of
factors, including volumes, market conditions, and performance of systems.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

You may authorize your sales representative to make telephone transactions on
your behalf. You must complete the form and we must agree.
- --------------------------------------------------------------------------------

FFA-56
<PAGE>

We are not responsible or liable for:

o any inaccuracy, errors, or delay in or omission of any information you
transmit or deliver to us; or

o any loss or damage you may incur because of such inaccuracy, error, delay
or omission; non-performance or any interruption of information beyond our
conrol.

After Your Death

If we are notified of your death before a requested transaction is completed, we
will cancel the request. For example, if you request a transfer or withdrawal
for a date in the future under a Deferred Annuity and then die before that date,
we simply pay the death benefit instead. For Income Annuity transfers, we will
cancel the request and continue making payments to your beneficiary if your
Income Annuity so provides. Or, depending on your Income Annuity's provisions we
may continue making payments to a joint annuitant or pay your beneficiary a
refund.

Third Party Requests

Generally, we only accept requests for transactions or information from you.
Therefore, we reserve the right not to process transactions requested on your
behalf by your agent with a power of attorney or any other authorization. This
includes processing transactions by an agent you designate, through a power of
attorney or other authorization, who has the ability to control the amount and
timing of transfers for a number of other Contract owners, and who
simultaneously make the same request or series of requests on behalf of other
Contract owners.

Valuation

FFA-57
<PAGE>

Advertising Performance

We periodically advertise the performance of the investment divisions. You may
get performance information from a variety of sources including your quarterly
statements, your MetLife representative. the Internet, annual reports and
semiannual reports. We may state performance in terms of "yield," "change in
Accumulation Unit Value/Annuity Unit Value," "average annual total return," or
some combination of these terms.

Average annual total return calculations reflect all Separate Account charges
and applicable early withdrawal charges. These figures also assume a steady
annual rate of return.

Performance figures will vary among the various Deferred Annuities and Income
Annuities as a result of different Separate Account charges and early withdrawal
charges. For purposes of presentation, we may assume that certain Deferred
Annuities and Income Annuities were in existence prior to their inception date.
In these cases, we calculate performance based on the historical performance of
the underlying Metropolitan Fund, Zenith Fund, Calvert Fund and Fidelity VIP and
VIP II Funds Portfolios. We use the actual accumulation unit or annuity unit
data after the inception date.

- --------------------------------------------------------------------------------
[GRAPHIC OMITTED]

FFA-58
<PAGE>

Changes to Your Deferred Annuity or Income Annuity

o To operate the Separate Account in any form permitted by law.

o To take any action necessary to comply with or obtain and continue any
exemptions under the law.

o To make any necessary technical changes in the Deferred Annuities or
Income Annuities in order to conform with any of the above-described
actions.

Voting Rights

Based on our current view of applicable law, you have voting interests under
your Deferred Annuity or Income Annuity concerning Metropolitan Fund, Zenith
Fund, Calvert Fund and Fidelity VIP and VIPII Funds proposals that are subject
to a shareholder vote. Therefore, you are entitled to give us instructions for
the number of shares which are deemed attributable to your Deferred Annuity or
Income Annuity.

FFA-59
<PAGE>

You will be entitled to give instructions regarding the votes attributable to
your Deferred Annuity or Income Annuity in your sole discretion. Under Section
457(f) deferred compensation plans, Section 451 deferred fee arrangements,
Section 451 deferred compensation plans, Section 457(e)(11) severance and death
benefit plans and the TSA Deferred Annuity and Income Annuities under which the
employer 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.
Neither the Separate Account nor MetLife has any duty to inquire as to the
instructions received or your authority to give instructions; thus, as far as
the Separate Account, and any others having voting interests in respect of the
Separate Account are concerned, such instructions are valid and effective.

o The shares for which voting instructions are received, and

o The shares 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 Deferred Annuities and Income Annuities

[GRAPHIC OMITTED]

FFA-60
<PAGE>

[GRAPHIC OMITTED]

We also make payments to our licensed sales representatives based upon the total
Account Balances of the Deferred Annuities assigned to the sales representative.
Under this compensation program, we pay an amount up to .12% of the total
Account Balances of the Deferred Annuities, other registered variable annuity
contracts, certain mutual fund account balances and cash values of certain life
insurance policies. These asset based commissions compensate the sales
representative for servicing the Deferred Annuities. These payments are not made
for Income Annuities.

From time to time, MetLife may pay organizations or associations a fee,
reimburse them for certain expenses, lease office space from them, purchase
advertisements in their publications or enter into other such arrangements in
connection with their endorsing or sponsoring MetLife's variable annuity
contracts or services, for permitting MetLife to undertake certain marketing
efforts of the organizations' members in connection with sales of MetLIfe
variable annuities, or some combination thereof. Additionally, MetLife has
retained consultants who are paid a fee for their efforts in establishing and
maintaining relationships between MetLife and various organizations.

Financial Statements

Your Spouse's Rights

If you received your contract through a qualified retirement plan and your plan
is subject to ERISA (the Employee Retirement Income Security Act of 1974) and
you are married, the income payments, withdrawal provisions, and methods of
payment of the death benefit under your Deferred Annuity or Income Annuity may
be subject to your spouse's rights.

If your benefit is worth $5,000 or less, your plan may provide for distribution
of your entire interest in a lump sum without your spouse's consent.

For details or advice on how the law applies to your circumstances, consult your
tax advisor or attorney.

FFA-61
<PAGE>

When We Can Cancel Your Deferred Annuity or Income Annuity

We may not cancel your Income Annuity.

We may cancel your Deferred Annuity only if we do not receive any purchase
payments from you for 36 consecutive months and your Account Balance is less
than $2,000. If we do so for a Deferred Annuity delivered in New York we will
return the full Account Balance. In all other cases, you will receive an amount
equal to what you would have received if you had requested a total withdrawal of
your Account Balance. Early withdrawal charges may apply.

We may cancel your Non-Qualified Deferred Annuity for Section 457(f) deferred
compensation plans, Section 451 deferred fee arrangements, Section 451 deferred
compensation plans and Section 457(e)(11) severance and death benefit plans if
we do not receive any purchase payments from you for 12 consecutive months and
your Account Balance is less than $15,000. Certain Deferred Annuities do not
contain these cancellation provisions.

At our option, we may cancel certain TSA and PEDC Deferred Annuities if we
determine that changes to your retirement plan would cause MetLife to pay more
interest than we anticipated or to make more frequent payments than we
anticipated in connection with the Fixed Interest Account. We may also cancel
these Deferred Annuities, as legally permitted, if your retirement plan
terminates or no longer qualifies as a tax sheltered arrangement. Also, the
employer and MetLife may each cancel the Deferred Annuity upon 90 days notice to
the other party.

Special Charges That Apply If Your Retirement Plan Terminates Its Deferred
Annuity or Takes Other Action

Under certain TSA Deferred Annuities, amounts equal to some or all of the early
withdrawal charge imposed under a contract of another issuer in connection with
the transfer of money into a TSA Deferred Annuity may be credited to your
Account Balance. If such amounts are credited to a TSA Deferred Annuity, special
termination charges may be imposed. These charges may also apply if the plan
introduces other funding vehicles provided by other carriers. Charges are not
imposed on plan participants; but rather are absorbed by the contract holder.
Therefore, under the Contract, the participant will incur only the withdrawal
charges, if applicable, otherwise discussed in this Prospectus. The charges to
the plan are imposed on the amount initially transferred to MetLife for the
first seven years according to the schedule in the following table:

FFA-62
<PAGE>

- --------------------------------------------------------------------------------
During Contract Year
8 &
Year 1 2 3 4 5 6 7 Beyond
Percentage 5.6% 5.0% 4.5% 4.0% 3.0% 2.0% 1.0% 0%
- --------------------------------------------------------------------------------

The charge to the plan, for partial withdrawals, is determined by multiplying
the amount of the withdrawal that is subject to the charge by the applicable
percentage shown above.

Income Taxes

The following information on taxes is a general discussion of the subject. It is
not intended as tax advice. The Internal Revenue Code (Code) is complex and
subject to change on a regular basis. You should consult your own tax advisor
about your own circumstances. You should read the general provisions and any
sections relating to your type of annuity to familiarize yourself with some of
the tax rules for your particular contract. For purposes of this section, we
address Deferred Annuities and Income Annuities together as annuities. In
addition, because the tax treatment of Income Annuities and the pay-out option
under Deferred Annuities is generally the same, they are discussed together as
income payments.

General

This section applies to TSA, 403(a), Non-Qualified, Traditional IRA and PEDC. It
does not apply to Non-Qualified Deferred Annuities for Section 451, Section
457(f) or Section 457(e)(11) plans.

Deferred annuities are a means of setting aside money for future needs-usually
retirement. Congress recognizes how important saving for retirement is and has
provided special rules in the Internal Revenue Code (Code).

Purchase payments to TSA, 403(a), and PEDC contracts are generally on a
"before-tax" basis. This means that the purchase payments either reduce your
income, entitle you to a tax deduction or are not subject to current income tax.
Under some circumstances "after-tax" contributions can be made to certain of
these annuities. These purchase payments do not reduce your taxable income or
give you a tax deduction. There are different annual purchase payment limits for
the annuities offered in this prospectus. Purchase payments in excess of the
limits may result in adverse tax consequences.

Purchase payments to a Non-Qualified annuity are on an after-tax basis.
After-tax means that your purchase payments to your annuity do not reduce your
taxable income or give you a tax deduction. Generally, Traditional IRAs can
accept deductible (or pre-tax) and non-deductible (after-tax) purchase payments.
Whether you can make deductible purchase payments to your Traditional IRA
depends on your personal situation.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

FFA-63
<PAGE>

We are not responsible for determining if your employer's plan or arrangement
satisfies the requirements of the Code and/or ERISA.

Because these products are intended for retirement, if you make a taxable
withdrawal before age 59 1/2 you may incur a tax penalty.

When money is withdrawn from your Contract (whether by you or your beneficiary),
the amount reported as income differs depending on the type of:

o annuity you purchase (e.g., Non-Qualified or IRA); and

o pay-out option you elect.

For your Traditional IRA and Non-Qualified annuities we will withhold a portion
of the amount of your withdrawal for income taxes, unless you elect otherwise.
The amount we withhold is determined by the Code. For withdrawals from a TSA or
403(a) annuity, please see the 20% mandatory withholding discussion.

Withdrawals Before Age 59 1/2 (except PEDC)

If you receive a taxable distribution from your Deferred Annuity before you
reach age 59 1/2 this amount may be subject to a 10% penalty tax, in addition to
ordinary income taxes.

As indicated in the chart below, some taxable distributions prior to age 59 1/2
are exempt from the penalty. Some of these exceptions include amounts received:

Type of Contract
--------------------------------
Non- Trad.
Qualified IRA TSA 403(a)
--------- --- --- ------

In a series of substantially equal
payments made annually (or more frequently)
for life or life expectancy (SEPP) x x x(1) x(1)

After you die x x x x

After you become totally disabled (as
defined in the Code) x x x x

After separation from service if you are
over age 55. x x

To pay deductible medical expenses x x x

To pay medical insurance premiums if
you are unemployed x

To pay for qualified higher education
expenses, or x

For qualified first time home purchases
up to $10,000 x

After December 31, 1999, for IRS levies x x x

(1) You must also be separated from service.

[GRAPHIC OMITTED]

FFA-64
<PAGE>

Mandatory 20% Withholding [For TSA and 403(a)]

For TSA and 403(a) Deferred Annuities, we are required to withhold 20% of your
withdrawal that constitutes an "eligible rollover distribution" for Federal
income taxes. We are not required to withhold this money if you direct us, the
trustee or the custodian of the plan to directly rollover your eligible rollover
distribution to a traditional IRA, or another eligible retirement plan.

An "eligible rollover distribution" is any taxable amount you receive from your
TSA or 403(a) Deferred Annuity. It does not include taxable distributions that
are:

o A series of substantially equal payments made at least annually for:

o Your life or life expectancy

o Both you and your beneficiary's lives or life expectancies

o A specified period of 10 years or more

o Withdrawals to satisfy minimum distribution requirements

o Certain withdrawals on account of financial hardship

Other exceptions to the definition of eligible rollover distribution may exist.

For taxable withdrawals that are not "eligible rollover distributions," the Code
requires different withholding rules. The withholding amount is determined at
the time of payment. In certain instances, you may elect out of these
withholding requirements.

Systematic Withdrawal Program for Substantially Equal Periodic Payments (SEPP)

If you are considering using the Systematic Withdrawal Program for the purpose
of meeting the SEPP exception to the 10% tax penalty, consult with your tax
advisor.

TSA

General

TSAs fall under Section 403(b) of the Code, which provides certain tax benefits
to eligible employees of public school systems and organizations that are tax
exempt under Section 501(c)(3) of the Code.

Your employer buys the Annuity for you although you then own it.

FFA-65
<PAGE>

Your Deferred Annuity is not forfeitable (e.g., not subject to claims of your
creditors) and you may not transfer it. However, you may transfer withdrawals to
another Section 403(b) funding vehicle or (for eligible rollover distributions)
to an IRA without Federal tax consequences if Code requirements are met.

Purchase Payments

There are annual purchase payment limits to your Deferred Annuity. Purchase
payments over this amount may be subject to adverse tax consequences. Special
rules apply to the withdrawal of excess purchase payments.

Withdrawals

Withdrawals and income payments are included in income, except for the portion
that represents a return of non-deductible purchase payments.

If you are under age 59 1/2 you cannot withdraw money from your Deferred Annuity
unless the withdrawal:

o Relates to purchase payments made prior to 1989 (and pre-1989 earnings on
those purchase payments);

o Is directly transferred to other 403(b) arrangements;

o Relates to amounts that are not salary reduction elective deferrals;

o Is after you leave your job, after you die, or become disabled (as defined
by Code); or

o Is for financial hardship (but only to the extent of purchase payments) if
your plan allows it.

If certain requirements are met, you may be able to transfer amounts in your
Deferred Annuity to another TSA or IRA.

Minimum Distribution Requirements

Generally, you must begin receiving withdrawals from your Deferred Annuity by
April 1 of the calendar year following the later of:

o The year you turn age 70 1/2 or;

o Provided you do not own 5% or more of your employer, and to the extent
permitted by your plan and Deferred Annuity, the year you retire.

Complex rules apply to timing and calculating these withdrawals. A tax penalty
of 50% applies to withdrawals which should have been taken but were not.

After Death

If you die before required minimum distribution withdrawals have begun, we must
make payment of your entire interest in the Deferred Annuity within five years
after the year of your death or begin payments under an

- --------------------------------------------------------------------------------
You may be subject to the 10% penalty tax if you withdraw money before you turn
age 59 1/2.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

FFA-66
<PAGE>

income annuity allowed by the Code to your beneficiary by December 31st of the
year after your death.

If your spouse is your beneficiary and if your Deferred Annuity permits, your
spouse may delay the start of income payments until December 31st of the year in
which you would have reached age 70 1/2.

If you die after required withdrawals begin, payments must continue at least as
rapidly as under the distribution method in effect at your death.

403(a)

General

Purchase Payments

Withdrawals

Because your purchase payments are generally on a before tax basis, you pay
income taxes on the full amount of money you withdraw as well as income earned
under the Deferred Annuity. If you made any after tax purchase payments they
would not be subject to income tax when withdrawn.

If certain requirements are met, you may be able to transfer amounts in your
Deferred Annuity to another eligible retirement plan or IRA.

Minimum Distribution Requirements

Generally, you must begin receiving withdrawals from your Deferred Annuity by
April 1 of the calendar year following the later of:

o The year you turn age 70 1/2 or;

o Provided you do not own 5% or more of your employer, and to the extent
permitted by your plan and Deferred Annuity, the year you retire.

Complex rules apply to timing and calculating these withdrawals. A tax penalty
of 50% applies to withdrawals which should have been taken but were not.

After Death

[GRAPHIC OMITTED]

FFA-67
<PAGE>

income annuity allowed by the Code to your beneficiary by December 31st of the
year after your death.

If your spouse is your beneficiary and if your Contract permits, your spouse may
delay the start of income payments until December 31st of the year in which you
would have reached age 70 1/2.

If you die after required withdrawals begin, payments must continue at least as
rapidly as under the distribution method in effect at your death.

Traditional IRA Annuities

Generally, your IRA can accept deductible (or pre-tax) and non-deductible
(after-tax) purchase payments. Deductible or pre-tax purchase payments will be
taxable when distributed from the Deferred Annuity.

o Your annuity is generally not forfeitable (e.g. not subject to claims of
your creditors) and you may not transfer it to someone else.

o You can transfer your IRA proceeds to a similar IRA, without incurring
Federal income taxes if certain conditions are satisfied.

Purchase Payments

Generally:

o Purchase payments in excess of this amount may be subject to a penalty
tax.

o Purchase payments are generally permitted up to age 70 1/2.

o These age and dollar limits do not apply to tax-free rollovers or
transfers.

o If certain conditions are met, you can change your Traditional IRA
contribution to a Roth IRA before you file your income tax return
(including filing extensions).

Withdrawals

Generally, you must begin receiving withdrawals by April 1 of the calendar year
following the year in which you reach age 70 1/2.

A tax penalty of 50% applies to withdrawals which should have been taken but
were not. Complex rules apply to the timing and calculation of these
withdrawals.

- --------------------------------------------------------------------------------
In some cases, your purchase payments may be tax deductible.

Annual contributions to all your Traditional and Roth IRAs may not exceed the
lesser of $2,000 or 100% of your compensation.

You may combine the money required to be withdrawn from each of your Traditional
IRAs and withdraw this amount from any one or more of them.
- --------------------------------------------------------------------------------

FFA-68
<PAGE>

After Death

Generally, if you die before required minimum distribution withdrawals have
begun we must make payment of your entire interest within five years after the
year of your death or begin income payments under an income annuity allowed by
the Code to your beneficiary by December 31st of the year after your death.

If your spouse is your beneficiary, and, if your Deferred Annuity permits, your
spouse may delay the start of income payments until December 31 of the year in
which you would have reached age 70 1/2.

If you die after required withdrawals begin, payments must continue at least as
rapidly as under the distribution method in effect at your death.

Non-Qualified Annuities

General

o Purchase payments made to Non-Qualified annuities are applied on an
"after-tax" basis, so you only pay income taxes on your earnings.
Generally, these earnings are taxed when you receive them from the
Deferred Annuity.

o Your Non-Qualified annuity may be exchanged for another Non-Qualified
annuity without paying income taxes if certain Code requirements are met.

o When a non-natural person owns a Non-Qualified annuity, the annuity will
generally not be treated as an annuity for tax purposes and thus loses the
benefit of tax deferral. Corporations and certain other entities are
generally considered non-natural persons. However, an annuity owned by a
non-natural person as agent for an individual will be treated as an
annuity for tax purposes.

o Annuities issued after October 21, 1988 by the same insurance company in
the same year are combined for tax purposes. As a result, a greater
portion of your withdrawals may be considered taxable income than you
would otherwise expect.

- --------------------------------------------------------------------------------
If your spouse is your beneficiary and if your Deferred Annuity permits, he or
she may elect to continue as "owner" of the Deferred Annuity.

After-tax means that your purchase payments to your annuity do not reduce your
taxable income or give you a tax deduction.
- --------------------------------------------------------------------------------

FFA-69
<PAGE>

At the present time MetLife intends to report the taxable income payments made
to you under general tax principles for variable annuities using an excludable
amount for each payment based upon your purchase payment made to provide the
income annuity divided by the expected number of payments, adjusted by any
refund feature as required under Federal tax law.

Purchase Payments

Although the Code does not limit the amount of your purchase payments, your
contract may limit them.

Withdrawals

Generally, when you make a withdrawal from your non-qualified annuity, the Code
treats such a withdrawal as:

o First coming from earnings (and thus subject to income tax); and

o Then from your purchase payments (which are not subject to income tax).

Different tax rules apply to payments made pursuant to an Income Annuity or
pay-out option under your Deferred Annuity. They are subject to an "exclusion
ratio" or "excludable amount" which determines how much of each payment is
treated as:

o A non-taxable return of your purchase payments; and

o A taxable payment of earnings.

If you choose a payout option under your Deferred Annuity we generally will tell
you how much of each income payment is a non-taxable return of contributions.
Generally, once the total amount treated as a non-taxable return of your
purchase payments equals your purchase payments (reduced by a refund or a
guarantee feature under Federal tax law), then all remaining income payments are
fully taxable.

Systematic Withdrawal Program for Substantially Equal Periodic Payments (SEPP)

If you are considering using the Systematic Withdrawal Program for the purpose
of meeting the SEPP exception to the 10% tax penalty, consult with your tax
advisor.

[GRAPHIC OMITTED]

FFA-70
<PAGE>

After Death

If you die before payments under a pay-out option under a Deferred Annuity
begins, we must make payment of your entire interest within five years of your
death or begin payments under an Income Annuity allowed by the Code to your
beneficiary within one year of your death.

If you die after income payments begin, payments must continue to be made at
least as rapidly as before your death in accordance with the income type
selected.

Non-Qualified Annuity for Section 457(f) Deferred Compensation Plans.

These are deferred compensation arrangements generally for a select group of
management or highly compensated employees and individual independent
contractors employed or engaged by state or local governments or non-church
tax-exempt organizations. In this arrangement the tax exempt entity (e.g., a
hospital) contributes your deferred compensation amounts and earnings credited
to these amounts into a trust, which at all times is subject to the claims of
the employer's bankruptcy and insolvency creditors. The trust owns a
Non-Qualified annuity which may be subject to the rules described under
"Non-Qualified Annuities." Since the trust is a grantor trust, any tax
consequences arising out of ownership of the Non-Qualified annuity will flow to
the tax-exempt entity that is the grantor of such trust. Each tax-exempt entity
should consult its own tax advisor with respect to the tax rules governing the
annuity. You can defer taxation of compensation until the first taxable year in
which there is not a substantial risk of forfeiture to your right to such
compensation.

When deferred compensation is no longer subject to a substantial risk of
forfeiture, it is immediately includable in your income and it becomes
"after-tax" contributions for the purposes of the tax rules governing income
plan payments in calculating the "exclusion ratio." Certain distributions made
before you are age 59 1/2 may be subject to a 10% tax penalty. It is unclear
whether this penalty applies with respect to distributions made for this type of
plan. Thus, you should consult your own tax advisor to clarify this issue. Since
there is some uncertainty as to how the Internal Revenue Service and the courts
will treat the "rolling vesting" aspect of this arrangement, you should consult
your own tax advisor to clarify this issue. Given the complexity and uncertainty
inherent in this area of the tax law, entities considering the purchase of this
annuity to fund a Section 457(f) deferred compensation plan should consult with
their own tax advisors regarding the major Federal tax issues under Section 457.
In connection with the sale of the Non-Qualified annuity for Section 457(f)
Deferred Compensation Plans, MetLife consulted special tax counsel regarding the
major Federal tax issues under Section 457. This advice from such counsel has
not been updated to reflect

- --------------------------------------------------------------------------------
If you die during the pay-in phase of a Deferred Annuity and your spouse is your
beneficiary or a co-owner, he or she may elect to continue as "owner" of the
contract.

[GRAPHIC OMITTED]
- --------------------------------------------------------------------------------

FFA-71
<PAGE>

changes, if any, in the law. Such advice was rendered solely to MetLife and may
not be relied upon by any person considering the purchase of the annuity.

Non-Qualified Annuity for Section 451 Deferred Fee Arrangements.

Under Section 451 deferred fee arrangements, a third party which is a tax-exempt
entity (e.g., a hospital) enters into an arrangement with a taxable entity, the
employer, that provides services to the third party. These deferred fees are
used to fund a deferred compensation plan for the taxable entity's employees who
are a select group of management or highly compensated employees or individual
independent contractors. The deferred fees are contributed by the tax-exempt
entity into a trust that is subject to the claims of its bankruptcy and
insolvency creditors, and when paid or made available to the taxable entity, are
subject to the claims of the taxable entity's bankruptcy and insolvency
creditors. Such arrangement, in accordance with the provisions of Section 451,
enables the taxable entity to defer compensation until the year in which the
amounts are paid or made available to it, and enables the employees of the
taxable entity who are participants in its deferred compensation plan to defer
compensation until the year in which the amounts are paid or made available to
them, unless under the method of accounting used in computing taxable income,
such amount is to be properly accounted for in a different period. The taxable
entity will be able to deduct as employee compensation the amounts included in
income by the participant employees of its deferred compensation plan, subject
to such sums being reasonable compensation and not disguised dividends.

A trust established by the tax-exempt entity will own a Non-Qualified annuity
which may be subject to taxation rules as described under "Non-Qualified
Annuities." Since the trust is a grantor trust, any tax consequences arising out
of ownership of the Non-Qualified annuity will flow to the tax-exempt entity
that is the grantor of such trust. Each tax-exempt entity should consult its own
tax advisor with respect to the tax rules governing the annuity. Participants in
the taxable entity's deferred compensation plan must look to the taxable entity
for payments under the plan. These persons should consult their own tax advisor
for information on the tax treatment of these payments made under the plan.

Given the complexity and uncertainty inherent in this area of the tax law,
entities considering the purchase of this annuity to fund a Section 451 deferred
fee arrangement should consult with their own tax advisors regarding the
application of the relevant rules to their particular situation. In connection
with the sale of the Non-Qualified annuity for Section 451 Deferred Fee
Arrangements, MetLife consulted special tax counsel regarding the major Federal
tax issues under Section 451. This advice from such counsel has not been updated
to reflect changes, if any, in the law and such advice was rendered solely to
MetLife and may not be relied upon by any person considering the purchase of the
annuity.

FFA-72
<PAGE>

Non-Qualified Annuity for Section 451 Deferred Compensation Plans.

Under a Section 451 deferred compensation plan, a select group of management or
highly compensated employees or individual independent contractors can defer
compensation until the year in which the amounts are paid or made available to
them unless, under the method of accounting used in computing taxable income,
such amounts are to be properly accounted for in a different period.
Participants should consult their own tax advisors for information on the tax
treatment of these payments.

A Section 451 plan could be sponsored by either a taxable entity or certain
tax-exempt entities which meet the "grandfather" requirements described below.
Taxable entities would be able to deduct, as compensation, the amounts included
in income by the participant of the deferred compensation plan, subject to such
sums being reasonable compensation and not disguised dividends. For tax-exempt
entities, if certain Tax Reform Act of 1986 "grandfather" requirements are
adhered to, Section 451 rather than Section 457 should apply to their deferred
compensation plans. Tax exempt entities should consult their own tax advisors to
ascertain whether these "grandfather" requirements are met.

A trust established by either the taxable or the grandfathered tax-exempt entity
would own a Non-Qualified annuity which may be subject to taxation rules as
described under "Non-Qualified Annuities." Since the trust would be a grantor
trust, any tax consequences arising out of ownership of the Non-Qualified
annuity will flow to the tax-exempt entity or taxable entity that is the grantor
of such trust. Such entities should consult their own tax advisors with respect
to the tax rules governing the annuity.

Given the complexity and uncertainty inherent in this area of the tax law,
entities considering the purchase of this annuity to fund a Section 451 deferred
compensation plan should consult with their own tax advisors regarding the
application of the relevant rules to their particular situation. In connection
with the sale of the Non-Qualified annuity for Section 451 Deferred Compensation
Plans, MetLife consulted special tax counsel regarding the major Federal tax
issues under Section 451. This advice from such counsel has not been updated to
reflect changes, if any, in the law and such advice was rendered solely to
MetLife and may not be relied upon by any person considering the purchase of the
annuity.

Non-Qualified Annuity for Section 457(e)(11) Severance and Death Benefit Plans.

These are severance and death benefit arrangements for adoption by tax-exempt
entities. If the employer is subject to ERISA, the arrangement must be adopted
exclusively for a select group of management or highly compensated employees or
individual independent contractors. The employer deposits deferral amounts,
which will be used to provide severance and death benefits, into a trust which
is subject at all times to

[GRAPHIC OMITTED]

FFA-73
<PAGE>

the claims of the employer's bankruptcy and insolvency creditors. As the owner
of a Non-Qualified annuity, the trust may be subject to the rules described
under "Non-Qualified Annuities." Since the trust is a grantor trust, any tax
consequences arising out of ownership of the Non-Qualified annuity will flow to
the employer, the grantor of such trust. Each employer should consult with its
own tax advisor with respect to the tax rules governing the annuity.

The Federal income tax consequences to you of this arrangement depend on whether
the program qualifies as a "bona-fide severance pay" and a "bona-fide death
benefit" plan as described in Section 457(e)(11) of the Code. If the arrangement
qualifies as a "bona-fide severance pay" and a "bona-fide death benefit" plan,
Section 451 of the Code will apply and you will not be taxed on your deferral
amounts until the tax year in which they are paid or made available to you,
unless under the method of accounting you use in computing taxable income, such
amount is to be properly accounted for in a different period. If the arrangement
does not qualify as a "bona-fide severance pay" and a "bona-fide death benefit"
plan, your deferral amounts are subject to tax in the year in which they are
deferred. In that event, if you have not reported such income, in addition to
the Federal income tax you will have to pay, you will be assessed interest, and
you may be subject to certain penalties by the Internal Revenue Service.

Special Tax Considerations for Non-Qualified Annuity for Section 457(e)(11)
Severance and Death Benefit Plans.

There is a considerable risk that this arrangement may not qualify as a
"bona-fide severance pay" plan under 457(e)(11), the application section of the
Code. The term "bona-fide severance pay" plan is not defined in that section.
The term "severance pay" plan has, however, been construed under other Code
sections and under Department of Labor regulations issued under the Employee
Retirement Income Security Act of 1974. Subsequently, the United States Court of
Appeals for the Federal Circuit indicated that for purposes of another Code
section, a severance pay plan with features similar to this arrangement, would
not qualify as a valid severance pay plan. While this decision addresses
severance pay plans in a different Code context, it is probable that a court
would consider it in determining the tax consequences of this arrangement. In
connection with the sale of the Non-Qualified annuity for Section 457(e)(11)
Severance and Death Benefit Plans, MetLife consulted special tax counsel
regarding the major Federal tax issues under Section 457. This advice received
from such counsel has not been updated to reflect this decision or other changes
in the law, and such advice was rendered solely to MetLife and may not be relied
upon by any person considering the purchase of the annuity. You should consult
with your own tax advisor to determine if the potential advantages to you of
this arrangement outweigh the potential tax risks in view of your individual
circumstances.

FFA-74
<PAGE>

Non-Qualified Annuity for Section 415(m) Qualified Governmental Excess Benefit
Plans.

Section 415(m) qualified governmental excess benefit plans are available to
state and local governments which sponsor plans subject to the Section 415
limits on the amount of annual plan contributions and benefits. If a qualified
governmental excess benefit arrangement meets certain requirements, it could
provide bene fits that cannot be provided under a government plan subject to the
Section 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 arragements were
introduced into the tax law in August, 1996, and since many aspects of these
arrangements have yet to be clarified by the IRS, entities considering the
purchase of this annuity to fund a qualified governmental excess benefit plan
should consult with their own tax advisors regarding the application of the
relevant rules to their particular situation.

PEDC

General

PEDC plans are available to State or local governments and certain tax-exempt
organizations as described in Section 457 of the Code. The plans are not
available for churches and qualified church-controlled organizations.

PEDC annuities maintained by a state or local government are for the exclusive
benefit of plan participants and their beneficiaries.

Withdrawals

Generally, because contributions are on a before-tax basis, withdrawals from
your annuity are subject to income tax.

Generally, monies in your annuity can not be "made available" to you until you:

o Reach age 70 1/2

o Leave your job

o Have an unforeseen emergency (as defined by the Code)

If certain requirements are met, you can transfer amounts in your PEDC annuity
to another PEDC plan.

FFA-75
<PAGE>

Minimum Distribution

The minimum distribution requirements for PEDC are generally similar to those
described in the TSA section, however, there are certain differences.

After Death

If you die before required minimum distribution withdrawals have begun, we must
make payment of your entire interest in the annuity within five years after the
year of your death or begin payments under an income annuity allowed by the Code
to your beneficiary by December 31st of the year after your death.

If your spouse is your beneficiary and if your annuity permits, your spouse may
delay the start of income payments until December 31st of the year in which you
would have reached age 70 1/2.

If you die after required withdrawals begin, payments must continue at least as
rapidly as under the distribution method in effect at your death.

Special Rules

See the general heading under Income Taxes for a brief description of the tax
rules that apply to PEDC annuities.

FFA-76
<PAGE>

Table of Contents for the Statement of Additional Information

Page

Cover Page ................................................................ 1

Table of Contents ......................................................... 1

Independent Auditors ...................................................... 2

Services .................................................................. 2

Distribution of Certificates and Interests in the
Deferred Annuities and Income Annuities ............................... 2

Early Withdrawal Charge ................................................... 2

Experience Factor ......................................................... 2

Variable Income Payments .................................................. 2

Investment Management Fees ................................................ 5

Performance Data and Advertisement of
the Separate Account .................................................. 6

Voting Rights ............................................................. 8

ERISA ..................................................................... 9

Taxes ..................................................................... 10

Performance Data .......................................................... 24

Financial Statements of the Separate Account .............................. 35

Financial Statements of MetLife ........................................... 63

[GRAPHIC OMITTED]

FFA-77
<PAGE>

[GRAPHIC OMITTED]

Appendix

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
Deferred Annuity or Income Annuity.

<TABLE>
<CAPTION>
TSA 403(a) PEDC Non-Qualified
Deferred Deferred Deferred IRA Deferred Deferred
and and and and and
Income Income Income Income Income
Annuities Annuities Annuities(1) Annuities(2) Annuities
<S> <C> <C> <C> <C> <C>
California ................... 0.5% 0.5% 2.35% 0.5%(3) 2.35%

Maine ........................ -- -- -- -- 2.0%

Nevada ....................... -- -- -- -- 3.5%

Puerto Rico .................. 1.0% 1.0% 1.0% 1.0% 1.0%

South Dakota ................. -- -- -- -- 1.25%

U.S. Virgin Islands .......... 5.0% 5.0% 5.0% 5.0% 5.0%

West Virginia ................ 1.0% 1.0% 1.0% 1.0% 1.0%

Wyoming ...................... -- -- -- -- 1.0%
</TABLE>

- ----------

(1) Premium tax rates applicable to Deferred Annuities and Income Annuities
purchased under retirement plans of public employers meeting the
requirements of Section 401(a) of the Code are included under the column
headed "403(a) Deferred and Income Annuities."

(2) Premium tax rates applicable to IRA Deferred Annuities and Income
Annuities purchased for use in connection with individual retirement trust
or custodial accounts meeting the requirements of Section 408(a) of the
Code are included under the column headed "IRA Deferred and Income
Annuities."

(3) With respect to Deferred Annuities and Income Annuities purchased for use
in connection with individual retirement trust or custodial accounts
meeting the requirements of Section 408(a) of the Code, the annuity tax
rate in California is 2.35% instead of 0.5%.

PEANUTS(Copyright) United Feature Syndicate, Inc.
(Copyright) 2000 Metropolitan Life Insurance Company

FFA-78
<PAGE>

Appendix II

What You Need To Know If You Are A Texas Optional Retirement Program Participant

FFA-79
<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

/ / Calvert Social Balanced Portfolio and Calvert Social Mid Cap Growth
Portfolio

/ / Fidelity Variable Insurance Products Funds

/ / I have changed my address. My current address is:

______________________________ Name___________________________
(Contract Number)

Address___________________________

_______________________________ ___________________________
(Signature) zip

Metropolitan Life Insurance Company
Attn: Brian Mack
Investment & Income Center, 4th Floor
485E US Highway 1 South
Iselin, NJ 08830

<PAGE>

-----------------
PRSRT STD
U.S. Postage Paid
METLIFE
-----------------

MetLife(Registered)

Metropolitan Life Insurance Company
Johnstown Office, 500 Schoolhouse Road
Johnstown, PA 15904-2914

Address Service Requested

<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 four prospectuses included in the Form N-4 for Metropolitan Life Separate
Account E include 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 prospectuses (by 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)

A. ILLUSTRATIONS FOR PREFERENCE PLUS ACCOUNT VARIABLE
ANNUITY CONTRACTS FOR NON-QUALIFIED, TRADITIONAL
IRA, ROTH IRA, SIMPLE IRA AND SEP IRA PAGE

1. Corporate Snoopy on winding country lane which Prospectus cover
trails off into hills in distance with large
Sun above.

1a. Snoopy as MetLife Representative with briefcase A-PPA first page
straightening bow tie

2. Charlie Brown on step ladder looking at fold A-PPA-3 Table of Contents
out map

3. Snoopy in suit with pointer A-PPA-4 Important Terms
You Should Know

4. Lucy reviewing ticker tape coming from machine A-PPA-14 Accumulation
Unit Values Tables

5. Snoopy as MetLife Representative listening to A-PPA-15 MetLife
crowd of Woodstocks

6. Snoopy and Woodstock balanced on seesaw A-PPA-16 The Variable
Annuities in this
Prospectus

7. Snoopy reading menu at restaurant table A-PPA-17 Your Investment
Choices

8. Linus building sand castle A-PPA-19 Deferred
Annuities

9. The Equity Generator(Service Mark) icon--Safe A-PPA-19 The Equity
with arrow pointing to three dimensional graph Generator

<PAGE>

A. ILLUSTRATIONS FOR PREFERENCE PLUS ACCOUNT VARIABLE
ANNUITY CONTRACTS FOR NON-QUALIFIED, TRADITIONAL
IRA, ROTH IRA, SIMPLE IRA AND SEP IRA (Continued) PAGE

10. The Equalizer(Service Mark) icon--A balancing A-PPA-20 The Equalizer
scale

11. The Rebalancer(Service Mark) icon--A pie chart A-PPA-20 The Rebalancer
with arrows around circumference

12. The Index Selector(Service Mark) icon--A world A-PPA-20 The Index
globe with arrows around it Selector

13. The Allocator(Service Mark)--A hourglass with A-PPA-20 The Allocator
safe in top portion with arrow to a three
dimensional chart in the bottom portion

14. Snoopy as MetLife Representative typing at A-PPA-21 Electronic
computer Applications

15. Woodstock making calculations on paper with A-PPA-22 The Value of
pencil Your Investment

16. Marcie at desk with adding machine reviewing A-PPA-23 Examples of
tape of calculations calculating Accumulation
Units and Accumulation
Unit Value

17. Charlie Brown struggling to reach into jar of A-PPA-24 Access to Your
money Money

18. Snoopy as WWI flying ace dispatching Woodstocks A-PPA-25 Systematic
with checks Withdrawal Program

19. Woodstock with accountant's visor and adding A-PPA-26 Charges
machine

20. Franklin with magnifying glass A-PPA-28 When No Early
Withdrawal Charge Applies

21. Woodstock moving money bag from one pile of A-PPA-29 When Another
money bags to another Early Withdrawal Charge
May Apply

22. Marcia reading a paper A-PPA-30 Free Look

23. Snoopy floating in innertube with glasses and A-PPA-31 Income Annuities
drink

24. Snoopy lounging on beach chair with sunglasses A-PPA-33 Income Payment
and drink Types

25. Woodstock writing out a check A-PPA-34 Purchasing an
Income Annuity

26. Woodstock moving money bag from one pile of A-PPA-35 Transfers
money bags to another

27. Lucy with magnifying glass studying a piece of A-PPA-36 Free Look
paper

<PAGE>

A. ILLUSTRATIONS FOR PREFERENCE PLUS ACCOUNT VARIABLE
ANNUITY CONTRACTS FOR NON-QUALIFIED, TRADITIONAL
IRA, ROTH IRA, SIMPLE IRA AND SEP IRA (Continued) PAGE

28. Charlie Brown receiving letter at mail box A-PPA-37 Confirming
Transactions

29. Charlie Brown listening on telephone A-PPA-38 Transactions by
Telephone

30. "Colonial" Snoopy as town cryer A-PPA-40 Advertising
Performance

31. Snoopy as MetLife Representative shaking paw/ A-PPA-42 Who Sells the
wing with Woodstock Deferred Annuities and
Income Annuities

32. Piggybank with "Do not open until age 59 1/2" A-PPA-43 Income Taxes--
printed on side General

33. Snoopy as "Uncle Sam" presenting a tax bill A-PPA-44 Income Taxes--
Withdrawals

34. Snoopy as "Uncle Sam" collecting taxes from A-PPA-45 Income Taxes--
Charlie Brown who is digging in his pockets Non-Qualified Annuities
for money

35. Linus "walking" the hoop with "IRAs" on side A-PPA-47 Income Taxes--
IRAs

36. Woodstock flying with check A-PPA-49 Roth IRA
Annuities--Withdrawals

37. Franklin, Snoopy, Charlie Brown, Lucy, Pigpen, A-PPA-51 Table of
Linus and Peppermint Patty Contents for the SAI

38. Lucy in her advice box with "TAXES--The Expert A-PPA-52 Annuity Tax
is in" printed on it advising Peppermint Patty Table
and Sally

<PAGE>

B. ILLUSTRATIONS FOR PREFERENCE PLUS ACCOUNT VARIABLE
ANNUITY CONTRACTS FOR TSA, PEDC, KEOGH AND 403(a) PAGE

1. Corporate Snoopy on winding country lane which Prospectus cover
trails off into hills in distance with large
Sun above.

1a. Snoopy as MetLife Representative with briefcase B-PPA first page
straightening bow tie

2. Charlie Brown on step ladder looking at fold B-PPA-3 Table of Contents
out map

3. Snoopy in suit with pointer B-PPA-4 Important Terms
You Should Know

4. Lucy reviewing ticker tape coming from machine B-PPA-10 Accumulation
Unit Values Tables

5. Snoopy as MetLife Representative listening to B-PPA-16 MetLife
crowd of Woodstocks

6. Snoopy and Woodstock balanced on seesaw B-PPA-17 The Variable
Annuities in this
Prospectus

7. Snoopy reading menu at restaurant table B-PPA-18 Your Investment
Choices

8. Linus building sand castle B-PPA-20 Deferred
Annuities

9. The Equity Generator(Service Mark) icon--Safe B-PPA-21 The Equity
with arrow pointing to three dimensional graph Generator

10. The Equalizer(Service Mark) icon--A balancing B-PPA-21 The Equalizer
scale

11. The Rebalancer(Service Mark) icon--A pie chart B-PPA-21 The Rebalancer
with arrows around circumference

12. The Index Selector(Service Mark) icon--A world B-PPA-22 The Index
globe with arrows around it Selector

13. The Allocator(Service Mark)--A hourglass with B-PPA-22 The Allocator
safe in top portion with arrow to a three
dimensional chart in the bottom portion

14. Woodstock making calculations on paper with B-PPA-23 The Value of
pencil Your Investment

15. Marcie at desk with adding machine reviewing B-PPA-24 Examples of
tape of calculations calculating Accumulation
Units and Accumulation
Unit Value

16. Charlie Brown struggling to reach into jar of B-PPA-25 Access to Your
money Money

17. Snoopy as WWI flying ace dispatching Woodstocks B-PPA-26 Systematic
with checks Withdrawal Program

18. Woodstock with accountant's visor and adding B-PPA-28 Early Withdrawal
machine Charges

<PAGE>

B. ILLUSTRATIONS FOR PREFERENCE PLUS ACCOUNT VARIABLE
ANNUITY CONTRACTS FOR TSA, PEDC, KEOGH AND 403(a)
(continued) PAGE

19. Franklin with magnifying glass B-PPA-29 When No Early
Withdrawal Charge Applies

20. Woodstock moving money bag from one pile of B-PPA-32 When Another
money bags to another Early Withdrawal Charge
May Apply

21. Marcia reading paper B-PPA-33 Free Look

22. Snoopy floating in innertube with glasses and B-PPA-35 Income Annuities
drink

23. Snoopy lounging on beach chair with sunglasses B-PPA-36 Income Payment
and drink Types

24. Snoopy with accountant's visor and adding B-PPA-37 The Value of
machine Your Income Payments

25. Woodstock moving money bag from one pile of B-PPA-38 Transfers
money bags to another

26. Lucy with magnifying glass studying a piece of B-PPA-40 Free Look
paper

27. Charlie Brown receiving letter at mail box B-PPA-41 Confirming
Transactions

28. Charlie Brown listening on telephone B-PPA-41 Transactions by
Telephone

29. "Colonial" Snoopy as town cryer B-PPA-43 Advertising
Performance

30. Snoopy as MetLife Representative shaking paw/ B-PPA-45 Who Sells the
wing with Woodstock Deferred Annuities and
Income Annuities

33. Piggybank with "Do not open until age 59 1/2" B-PPA-48 Income Taxes--
printed on side General

34. Snoopy as "Uncle Sam" presenting a tax bill B-PPA-48 Income Taxes--
Withdrawals Before Age
59 1/2

35. Snoopy as "Uncle Sam" collecting taxes from B-PPA-49 Income Taxes--
Charlie Brown who is digging in his pockets Mandatory 20% Withholding
for money

36. Woodstock flying with check B-PPA-50 TSA Annuities--
Withdrawals

37. Franklin, Snoopy, Charlie Brown, Lucy, Pigpen, B-PPA-52 Table of
Linus and Peppermint Patty Contents for the SAI

38. Lucy in her advice box with "TAXES--The Expert B-PPA-53 Annuity Tax
is in" printed on it advising Peppermint Patty Table
and Sally

<PAGE>

C. ILLUSTRATIONS FOR PREFERENCE PLUS ACCOUNT ENHANCED
VARIABLE CONTRACTS FOR NON-QUALIFIED, TRADITIONAL
IRA AND UNALLOCATED PAGE

1. Corporate Snoopy on winding country lane which Prospectus cover
trails off into hills in distance with large
Sun above.

1a. Snoopy as MetLife Representative with briefcase C-PPA first page
straightening bow tie

2. Charlie Brown on step ladder looking at fold C-PPA-3 Table of Contents
out map

3. Snoopy in suit with pointer C-PPA-4 Important Terms
You Should Know

4. Lucy reviewing ticker tape coming from machine C-PPA-10 Accumulation
Unit Values Tables

5. Snoopy as MetLife Representative listening to C-PPA-15 MetLife
crowd of Woodstocks

6. Snoopy and Woodstock balanced on seesaw C-PPA-16 The Enhanced
Variable Annuities in
this Prospectus

7. Snoopy reading menu at restaurant table C-PPA-17 Your Investment
Choices

8. Linus building sand castle C-PPA-19 Enhanced
Deferred Annuities

9. The Equity Generator(Service Mark) icon--Safe C-PPA-20 The Equity
with arrow pointing to three dimensional graph Generator

10. The Equalizer(Service Mark) icon--A balancing C-PPA-20 The Equalizer
scale

11. The Rebalancer(Service Mark) icon--A pie chart C-PPA-20 The Rebalancer
with arrows around circumference

12. The Index Selector(Service Mark) icon--A world C-PPA-20 The Index
globe with arrows around it Selector

13. The Allocator(Service Mark)--A hourglass with C-PPA-21 The Allocator
safe in top portion with arrow to a three
dimensional chart in the bottom portion

14. Woodstock making calculations on paper with C-PPA-21 The Value of
pencil Your Investment

15. Marcie at desk with adding machine reviewing C-PPA-23 Examples of
tape of calculations calculating Accumulation
Units and Accumulation
Unit Value

16. Charlie Brown struggling to reach into jar of C-PPA-24 Access to Your
money Money

17. Snoopy as WWI flying ace dispatching Woodstocks C-PPA-25 Systematic
with checks Withdrawal Program

18. Woodstock with accountant's visor and adding C-PPA-26 Charges
machine

<PAGE>

C. ILLUSTRATIONS FOR PREFERENCE PLUS ACCOUNT ENHANCED
VARIABLE CONTRACTS FOR NON-QUALIFIED, TRADITIONAL
IRA AND UNALLOCATED (continued) PAGE

19. Franklin with magnifying glass C-PPA-28 When No Early
Withdrawal Charge Applies

20. Woodstock moving money bag from one pile of C-PPA-30 When Another
money bags to another Early Withdrawal Charge
May Apply

21. Marcia reading paper C-PPA-31 Free Look

22. Snoopy floating in innertube with glasses and C-PPA-33 Enhanced Income
drink Annuities

23. Snoopy lounging on beach chair with sunglasses C-PPA-34 Income Payment
and drink Types

24. Woodstock writing out a check C-PPA-35 Purchasing an
Income Annuity

25. Woodstock moving money bag from one pile of C-PPA-36 Transfers
money bags to another

26. Lucy with magnifying glass studying a piece of C-PPA-38 Free Look
paper

27. Charlie Brown listening on telephone C-PPA-39 Transactions by
Telephone

28. "Colonial" Snoopy as town cryer C-PPA-41 Advertising
Performance

29. Snoopy as MetLife Representative shaking paw/ C-PPA-44 Who Sells the
wing with Woodstock Deferred Annuities and
Income Annuities

30. Piggybank with "Do not open until age 59 1/2" C-PPA-45 Income Taxes--
printed on side General

31. Snoopy as "Uncle Sam" presenting a tax bill C-PPA-46 Income Taxes--
Withdrawals Before Age
59 1/2

32. Woodstock flying with check C-PPA-48 Non-Qualified
Annuities--Withdrawals

33. Snoopy as "Uncle Sam" collecting taxes from C-PPA-48 Income Taxes--
Charlie Brown who is digging in his pockets Non-Qualified Annuities
for money

34. Linus "walking" the hoop with "IRAs" on side C-PPA-49 Traditional
IRA Annuities

35. Franklin, Snoopy, Charlie Brown, Lucy, Pigpen, C-PPA-55 Table of
Linus and Peppermint Patty Contents for the SAI

36. Lucy in her advice box with "TAXES--The Expert C-PPA-56 Annuity Tax
is in" printed on it advising Peppermint Patty Table
and Sally

<PAGE>

D. ILLUSTRATIONS FOR FINANCIAL FREEDOM ACCOUNT AND
ENHANCED PREFERENCE PLUS ACCOUNT VARIABLE
ANNUITIES FOR TSA, 403(a), NON-QUALIFIED AND
TRADITIONAL IRA PAGE

1. Corporate Snoopy on winding country lane which FFA Cover
trails off into hills in distance with large
Sun above.

1a. Snoopy as MetLife Representative with briefcase FFA first page
straightening bow tie

2. Corporate Snoopy on winding country lane which EPPA Cover
trails off into hills in distance with large
Sun above.

2a. Snoopy as MetLife Representative with briefcase EPPA first page
straightening bow tie

2a. Cover (FFA)

3. Charlie Brown on step ladder looking at fold FFA-3 Table of Contents
out map

4. Snoopy in suit with pointer FFA-4 Important Terms You
Should Know

5. Lucy reviewing ticker tape coming from machine FFA-16 Accumulation Unit
Values Tables For
Enhanced Preference Plus

6. Lucy reviewing ticker tape coming from machine FFA-23 Accumulation Unit
Values Tables For
Financial Freedom

7. Snoopy as MetLife Representative listening to FFA-30 MetLife
crowd of Woodstocks

8. Snoopy and Woodstock balanced on seesaw FFA-31 The Variable
Annuities in this
Prospectus

9. Snoopy reading menu at restaurant table FFA-32 Your Investment
Choices

10. Linus building sand castle FFA-34 Deferred Annuities

11. The Equity Generator(Service Mark) icon--Safe FFA-35 The Equity
with arrow pointing to three dimensional graph Generator

12. The Equalizer(Service Mark) icon--A balancing FFA-36 The Equalizer
scale

13. The Rebalancer(Service Mark) icon--A pie chart FFA-36 The Rebalancer
with arrows around circumference

14. The Index Selector(Service Mark) icon--A world FFA-36 The Index Selector
globe with arrows around it

15. The Allocator(Service Mark) icon--An hourglass FFA-36 The Allocator
with safe in top portion with arrow to a three
dimensional chart in the bottom portion

16. Woodstock making calculations on paper with FFA-38 The Value of Your
pencil Investment

17. Marcie at desk with adding machine reviewing FFA-38 Examples of
tape of calculations calculating Accumulation
Units and Accumulation
Unit Value

<PAGE>

D. ILLUSTRATIONS FOR FINANCIAL FREEDOM ACCOUNT AND
ENHANCED PREFERENCE PLUS ACCOUNT VARIABLE
ANNUITIES FOR TSA, 403(a), NON-QUALIFIED AND
TRADITIONAL IRA (continued) PAGE

18. Charlie Brown struggling to reach into jar of FFA-39 Access to
money Your Money

19. Snoopy as WWI flying ace dispatching Woodstocks FFA-40 Systematic
with checks Withdrawal Program

20. Woodstock with accountant's visor and adding FFA-42 Charges/Annuity
machine Taxes

21. Franklin with magnifying glass FFA-44 When No Early
Withdrawal Charge Applies
for TSA, 403(a), Non-
Qualified, PEDC and IRA
Enhanced Deferred
Annuities

22. Woodstock moving money bag from one pile of FFA-46 When Another Early
money bags to another Withdrawal Charge May
Apply

23. Marcia reading paper FFA-47 Free Look

24. Snoopy floating in innertube with glasses and FFA-49 Income Annuities
drink

25. Snoopy lounging on beach chair with sunglasses FFA-51 Income Payment
and drink Types

26. Woodstock moving money bag from one pile of FFA-53 Transfers
money bags to another

27. Lucy with magnifying glass studying a piece of FFA-54 Free Look
paper

28. Charlie Brown receiving letter at mail box FFA-55 Confirming
Transactions

29. Charlie Brown listening on telephone FFA-56 Transactions by
Telephone

30. "Colonial" Snoopy as town cryer FFA-58 Advertising
Performance

31. Snoopy as MetLife Representative shaking paw/ FFA-60 Who Sells the
wing with Woodstock Deferred Annuities and
Income Annuities

32. Snoopy as MetLife Representative at booth with FFA-61 Who Sells the
"Your MetLife Rep is IN" printed on it holding Deferred Annuities and
brochures Income Annuities

<PAGE>

D. ILLUSTRATIONS FOR FINANCIAL FREEDOM ACCOUNT AND
ENHANCED PREFERENCE PLUS ACCOUNT VARIABLE
ANNUITIES FOR TSA, 403(a), NON-QUALIFIED AND
TRADITIONAL IRA (continued) PAGE

33. Piggybank with "Do not open until age 59 1/2" FFA-63 Income Taxes--
printed on side General

34. Snoopy as "Uncle Sam" collecting taxes from FFA-66 Income Taxes--TSA
Charlie Brown who is digging in his pockets Annuities--Withdrawals
for money

35. "Corporate" Snoopy making presentation to FFA-67 Income Taxes--
boardroom with Franklin, Charlie Brown, Sally, 403(a)
Lucy, Linus and Peppermint Patty

36. Woodstock flying with check FFA-70 Non-Qualified
Annuities--Withdrawals

37. "Corporate" Snoopy with glasses and suspenders FFA-71 Income Taxes--
Non-Qualified Annuity for
SS 457(F) Deferred
Compensation Plans.

38. Snoopy with accountant's visor and adding FFA-73 Income Taxes--
machine Non-Qualified Annuity for
SS 451 Deferred
Compensation Plans.

39. Franklin, Snoopy, Charlie Brown, Lucy, Pigpen, FFA-76 Table of Contents
Linus and Peppermint Patty for the SAI

40. Lucy in her advice box with "TAXES--The Expert FFA-78 Premium Tax Table
is in" printed on it advising Peppermint Patty
and Sally