METROPOLITAN LIFE INSURANCE COMPANY

                               [200 Park Avenue

                           New York, New York 10166]

                        401(A)/403(A) PLAN ENDORSEMENT

This Endorsement forms a part of the Individual Contract, Group Contract, or
Certificate (hereinafter referred to as "Contract") to which it is attached and
addresses certain requirements under the Internal Revenue Code of 1986, as
amended ("Code"). The following provisions apply to a Contract which is issued
under a plan qualified under Section 401(a) or 403(a) of the Code ("Plan"). The
effective date of this Endorsement is the issue date of the Contract or the
date the provision is necessary to maintain the status of the plan under
Section 401(a) or 403(a) of the Code. If there is a conflict between the terms
of the Contract, (including any prior endorsements or riders thereto) and the
terms of this Endorsement, the terms of this Endorsement will control. However
the Contract may contain further restrictions (including but not limited to the
types and number of contributions which will be accepted) which will continue
to apply to the extent consistent with Federal tax law.

1. Terms used in this Endorsement:

    (a)"We", "Us" or the "Company" means Metropolitan Life Insurance Company;

    (b)"You" or "Your" means the Contractholder or Owner.

2. Any Annuitant of this Contract will be a participant or beneficiary of the
   Plan and the Contractholder of this Contract will be the Owner as provided
   under the Plan. If the Plan has distributed this Contract to a participant
   or beneficiary, such participant or beneficiary will be the Annuitant and
   Contractholder.

3. If the Contractholder is not a trust described in Section 401(a) of the Code
   that is exempt from tax under Section 501(a) of the Code, this Contract
   shall be treated as a trust for purposes of Section 401(f) of the Code and
   this Contract and the benefits under it, cannot be sold, assigned,
   transferred, discounted, pledged as collateral for a loan or as security for
   the performance of an obligation or for any other purpose, or otherwise
   transferred to any person other than Us.

4. The Contractholder shall hold all Plan assets hereunder for the exclusive
   benefit of Plan participants and beneficiaries and no portion of the amount
   deposited into the Contract, or the earnings thereon may be used for, or
   diverted to, any purpose other than for the exclusive benefit of such
   persons prior to the satisfaction of all liabilities with respect to such
   persons.

5. This Contract shall be subject to the provisions, terms and conditions of
   the Plan and any payment, distribution or transfer under this Contract shall
   comply with the provisions, terms and conditions of the Plan as determined
   by the Plan administrator, trustee or other designated Plan fiduciary.
   However, the terms of the Plan cannot expand the terms of the Contract or
   impose responsibilities or duties on Us not specifically set forth in the
   Contract. We shall have no responsibility with respect to the provisions,
   terms and conditions of the Plan, under or by reason of issuance of this
   Contract, including, but not limited to, (a) determining whether any such
   payment, distribution or transfer complies with the provisions, terms and
   conditions of the Plan or with applicable law, or (b) administering the Plan.

6. A Plan participant or beneficiary may elect, at the time and in the manner
   prescribed by Us (and, where applicable, by the Contractholder), to have any
   portion of an eligible rollover distribution (within the meaning of Section
   402(f)(2)(A) of the Code) paid directly to an eligible retirement plan
   described in Section 402(c)(8)(B) of the Code that is specified by the Plan
   participant or beneficiary, by means of a direct transfer or direct rollover
   under Section 401(a)(31) of the Code.

7. If the Plan distributes this Contract to a participant or beneficiary and
   the Plan is subject to Section 401(a)(11) of the Code, benefits under the
   Contract will be provided in accordance with the applicable consent, present
   value, and other requirements of Sections 401(a)(11) and 417 of the Code
   that are applicable to the Plan.

8. We may waive by Our written notice to the Contractholder applicable
   withdrawal or surrender charges with respect to all or any portion of the
   Contract value that is directly transferred to another funding vehicle or an
   annuity contract issued by Us or one of Our affiliate companies.

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9. The Contractholder may instruct Us to deduct recordkeeping and other
   administrative fees from Plan participant and beneficiary account balances.
   Such fees shall be sent by Us directly to the party specified by the
   Contractholder. All such fees deducted from Plan participant and beneficiary
   account balances shall not be subject to any otherwise applicable withdrawal
   or surrender charge.

We have the right to interpret this Contract's provisions in accordance with
the Code and to amend or modify this Contract or Endorsement to the extent
necessary to comply with any law, regulation, ruling or other requirement
deemed by us to be necessary under the applicable requirements of
Section 401(a) or 403(a) of the Code.

All other terms and conditions of the Contract remain unchanged.

Metropolitan Life Insurance Company has caused this Endorsement to be signed by
its [Secretary].


                                                  [GRAPHIC]

                                                  [Secretary]

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