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September 12, 2000
Metropolitan Life Insurance Company
One Madison Avenue
New York, NY 10010
Dear Sirs:
This opinion is furnished in connection with the filing of Post-Effective
Amendment No. 10 to Registration Statement No. 33-57320 on Form S-6
("Registration Statement") which covers premiums received under Flexible Premium
Variable Life Insurance Policies ("Policies") offered by Metropolitan Life
Insurance Company ("MLIC") in each State where they have been approved by
appropriate State insurance authorities. As a Vice-President and Actuary of
MLIC, I have reviewed the Policy forms and I am familiar with the Registration
Statement and Exhibits thereto.
In my opinion, the illustrations of Policy death benefits, cash values, cash
surrender values and accumulated premiums in Exhibit 1A. (5) (i) included in the
Registration Statement, based on the assumptions stated therein, are consistent
with the provisions of the Policy forms. Also, in my opinion, the amounts
assumed in the illustrations for current Policy charges (including the decrease
in mortality and expense risk charge after 9 years) remain reasonable, based on
MLIC's current expectations.
The Policies have not been designed so as to make the relationship between
premiums and benefits, as shown in these illustrations appear to be
disproportionately more favorable to a prospective purchaser of the Policy for
standard risk males age 45, than to prospective purchasers of Policies for a
male at other ages or in other underwriting classes or for a female. Nor have
the particular illustrations shown been selected for the purpose of making that
relationship appear more favorable.
I hereby consent to the use of this opinion as an exhibit to the Registration
Statement and to the reference to my name under the heading "Legal, Accounting
and Actuarial Matters" in the prospectus contained in the registration
statement.
Very truly yours,
/s/ Michael F. Rogalski
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Michael F. Rogalski, FSA, MAAA
Vice-President and Actuary
