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SUPPLEMENT DATED MAY 15, 1996
TO PROSPECTUS DATED DECEMBER 1, 1995
FOR GROUP VARIABLE UNIVERSAL LIFE INSURANCE POLICIES
AND CERTIFICATES ISSUED UNDER THE GROUP POLICIES
This Supplement should be read in conjunction with the Metropolitan Life
Separate Account UL Prospectus dated December 1, 1995 (the "Prospectus").
1. Except as provided below, the Money Market investment division is no longer
available under the Group Policies or Certificates for allocations of net
premiums or transfers of cash values; therefore, all references to the Money
Market investment division as a potential investment option in the
Prospectus should be disregarded. The elimination of the Money Market
investment division as an investment option does not apply to any Group that
has received a written quotation regarding the Group Policy and the
Certificates from Metropolitan Life Insurance Company ("MetLife"), including
a quotation for the cost of insurance rates applicable to such Group, before
May 15, 1996.
2. Except as otherwise provided below, the definition of "Allocation Date" is
eliminated. This means that the initial premium payment under a Certificate
will be allocated to the Separate Account and/or the Fixed Account in
accordance with the Owner's instructions on the Investment Start Date,
rather than the Allocation Date. Notwithstanding the foregoing, to the
extent provided in any Certificate, the definition and application of
"Allocation Date" shall be restored except that every reference to the Money
Market investment division shall be changed to a reference to the Fixed
Account.
3. Except as otherwise provided below, the first sentence under "Cash Value --
Calculation of Separate Account Cash Value" is deleted. Notwithstanding the
foregoing, to the extent provided in any Certificate, this sentence will be
restored, except that every reference to the Money Market investment
division shall be changed to a reference to the Fixed Account.
4. Except as otherwise provided below, the first sentence of the fourth
paragraph and the word "Thereafter" in the next sentence under "Payment and
Allocation of Premiums -- Premiums" are deleted. Notwithstanding the
foregoing, to the extent provided in any Certificate, this portion will be
restored, except that every reference to the Money Market investment
division shall be changed to a reference to the Fixed Account.
5. Except as otherwise provided below, the second, third and fourth sentences
of the second paragraph under "Payment and Allocation of Premiums --
Allocation of Net Premiums" are deleted. Notwithstanding the foregoing, to
the extent provided in any Certificate, this portion will be restored,
except that every reference to the Money Market investment division shall be
changed to a reference to the Fixed Account.
6. References to the Money Market investment division under the "Allocator"
systematic investment strategy are hereby changed to the Fixed Account.
7. The illustrations of death benefit, [cash surrender values] and cash values
under "Illustrations of Death Benefit, Cash Values [Cash Surrender Values]
and Accumulated Premiums" take into account the daily charge to the
Metropolitan Series Fund, Inc. (the "Fund") for investment management
services and Fund expenses attributable to the Money Market Portfolio of the
Fund. Since, the charge and expenses attributable to the Money Market
Portfolio will not apply to Groups except for a Group that has received the
written quotation referred to in Paragraph (1) above, the illustrations of
death benefit, [cash surrender values] and cash values will be different
than if such charge and expenses are included in the illustrations. Using
the 1995 expenses, the effect of eliminating the Money Market Portfolio
figures from the calculation of the death benefit, [cash surrender values]
and cash values under this section of the Prospectus would be to decrease
the value of each by an immaterial amount.
Metropolitan Life Insurance Company
One Madison Avenue
New York, NY 10010
96051CDW(exp0896)MLI-LD
