METROPOLITAN LIFE INSURANCE COMPANY

                               [200 Park Avenue

                              New York, NY 10166]

             457(B) PLAN ENDORSEMENT (GOVERNMENTAL AND TAX-EXEMPT)

This Endorsement forms a part of the Contract/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 that is intended to
satisfy the requirements of Section 457(b) of the Code (the "Plan") and
established and maintained by a state or local governmental employer within the
meaning of Section 457(e)(1)(A) of the Code (a "Governmental Employer") or by a
tax-exempt employer within the meaning of Section 457(e)(1)(B) of the Code (a
"Tax-Exempt Employer"). The effective date of this Endorsement is the issue
date of the Contract or such later date necessary to maintain the status of the
plan under Section 457(b) of the Code. If there is a conflict between the terms
of this Endorsement and the terms of the Contract (including any prior
endorsements or riders thereto), 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;
       and

    (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. 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 employer that established the Plan or by such other duly designated
   person. 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.

4. If the Plan was established by a Governmental Employer:

    (a)If the Contractholder is not a trust described in Section 457(g) of the
       Code that is treated as 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.

    (b)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.

    (c)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(c)(4) 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.

5. If the Plan was established by a Tax-Exempt Employer, all interests under
   this Contract remain the property of the Tax-Exempt Employer (or a grantor
   trust established by the Tax-Exempt Employer) and are subject to the claims
   of the Tax-Exempt Employer's creditors in bankruptcy or insolvency.

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6. Distributions under this Contract and annuities purchased hereunder shall
   meet the requirements of Section 72(s) of the Code, as applicable, including
   the following:

    (a)The requirements of this Paragraph 6 shall apply separately to the
       interest in the Contract held by the Contractholder in respect of each
       Plan participant as determined by the account balance records maintained
       for the Plan. No participant or other person has a beneficial interest
       in the Contract by reason of this Paragraph 6, however.

    (b)The following definitions apply for purposes of this Paragraph 6. The
       holder of an interest in the Contract is (i) the participant or other
       primary annuitant, the events in the life of which are of primary
       importance in affecting the timing or amount of payout of that interest,
       if the Contractholder is not an individual, or (ii) the Contractholder,
       if the Contractholder is an individual. The annuity starting date is as
       defined in Section 72(c)(4) of the Code. The designated beneficiary is
       as defined in Section 72(s)(4) of the Code. If the designated
       beneficiary referred in Paragraph 6(d)(i) is the surviving spouse of the
       holder, Paragraph 6(c) and (d) are applied by treating the surviving
       spouse as the holder. If the Contractholder is not an individual, a
       change in the primary annuitant in respect of an interest in the
       Contract is treated as the death of the holder.

    (c)If any holder of an interest in the Contract in respect of a participant
       dies on or after the annuity starting date and before that entire
       interest in the Contract has been distributed, the remaining interest
       shall be distributed at least as rapidly as under the method of
       distribution being used as of the date of death.

    (d)If any holder of an interest in the Contract in respect of a participant
       dies before the annuity starting date, that entire interest in the
       Contract shall be distributed within five years after the death of that
       holder. If any portion of that interest (i) is payable to or for the
       benefit of a designated beneficiary, and will be distributed over the
       life of that designated beneficiary or over a period not extending
       beyond the life expectancy, and (ii) those distributions begin not later
       than one year after the death of the holder's death or such later date
       as regulations under the Code prescribe, this Paragraph 6(d) is
       satisfied in respect of that portion.

7. 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.

8. 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
457(b) or other provisions 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 [President].

                                                  [GRAPHIC]

                                                  [PRESIDENT]

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