METROPOLITAN LIFE INSURANCE COMPANY

                                [200 Park Place

                              New York, NY 10166]

DEATH BENEFIT ENDORSEMENT

This Endorsement is effective on the Contract Date, unless another date is
specified.

                           DEATH BENEFIT PROVISIONS

A death benefit is payable to You in a single sum upon the death of a
Participant before the Annuity Commencement Date. A death benefit is also
payable under those Annuity Options which provide for death benefits. We will
pay the death benefit as described below upon receiving Due Proof of Death
along with Your Written Request noting the Cash Value amount and total Purchase
Payments that are attributable to the Participant under the Plan. In addition,
We will require copies of records and any other reasonable proof We find
necessary to verify the Cash Value and total Purchase Payments attributable to
the Participant under the Plan. At Your Written Request, We will pay the death
benefit to the Participant's Beneficiary.

DEATH PROCEEDS PRIOR TO THE ANNUITY COMMENCEMENT DATE

If the Participant dies before age 75 and before the Annuity Commencement Date,
We will pay the greater of a) or b) below, less any applicable Premium Tax,
prior surrender(s) not previously deducted and any outstanding loan balance (if
applicable) as of the date We receive Due Proof of Death:

    a) the Cash Value that You have informed Us is attributable to the
       Participant under the Plan; or

    b) the total net Purchase Payments that You have informed Us are
       attributable to the Participant under the Plan.

If the Participant dies on or after age 75 and before the Annuity Commencement
Date, We will pay the Cash Value that You have informed Us is attributable to
the Participant under the Plan, less any applicable Premium Tax, prior
surrender(s) not previously deducted and any outstanding loan balance (if
applicable) as of the date We receive Due Proof of Death.

DEATH PROCEEDS AFTER THE ANNUITY COMMENCEMENT DATE

If the Annuitant dies on or after the Annuity Commencement Date, We will pay
the Beneficiary a death benefit consisting of any benefit remaining under the
Annuity Option then in effect.

INTEREST ON DEATH PROCEEDS

Any interest on death proceeds will be paid in accordance with rules in effect
in the state where the contract is issued for delivery.

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

[Graphic]

[President]

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