METLIFE INSURANCE COMPANY OF CONNECTICUT
                   (formerly, The Travelers Insurance Company)
            METLIFE OF CT SEPARATE ACCOUNT QP FOR VARIABLE ANNUITIES
                                GOLD TRACK SELECT

                    METLIFE INSURANCE COMPANY OF CONNECTICUT
            METLIFE OF CT SEPARATE ACCOUNT QPN FOR VARIABLE ANNUITIES
                         METLIFE RETIREMENT PERSPECTIVES
                   UNALLOCATED GROUP VARIABLE ANNUITY CONTRACT

                    METLIFE INSURANCE COMPANY OF CONNECTICUT
           METLIFE OF CT SEPARATE ACCOUNT FIVE FOR VARIABLE ANNUITIES
                 METLIFE LIFE AND ANNUITY COMPANY OF CONNECTICUT
               (formerly, The Travelers Life and Annuity Company)
            METLIFE OF CT SEPARATE ACCOUNT SIX FOR VARIABLE ANNUITIES
                       METLIFE RETIREMENT ACCOUNT ANNUITY




                             NOTICE OF SUBSTITUTION

                                August 15, 2006


The proposed substitution of shares of Third Avenue Small Cap Value Portfolio
(Replacement Fund) for shares of Lazard Retirement Small Cap Portfolio (Existing
Fund) about which we notified you earlier this year will be completed on or
around November 13, 2006.

It was determined NOT to proceed with the substitution of Janus Aggressive
Growth Portfolio for Van Kampen LIT Emerging Growth Portfolio.

We believe that the proposed substitution is in the best interest of Contract
Owners. The Replacement Fund has at least similar investment objectives and
policies as the Existing Fund. The Company will bear all expenses related to the
substitutions, and they will have no tax consequences for you.

Please note that:

    o    No action is required on your part at this time. You will not need to
         file a new election or take any immediate action.

    o    The elections you have on file for allocating your Contract Value and
         Purchase Payments will be redirected to the Replacement Fund unless you
         change your elections and transfer your Contract Value before the
         substitution takes place.

    o    You may transfer amounts in your Contract among the variable
         Subaccounts and the fixed option as usual. The substitution itself will
         not be treated as a transfer for purposes of the transfer provisions of
         your Contract, subject to the Company's restrictions on transfers to
         prevent or limit "market timing" and excessive trading activities by
         Contract Owners or agents of Contract Owners.

    o    If you make one transfer from one of the above Existing Funds before
         the substitution, or from the Replacement Fund after the substitution,
         any transfer charge that might





         otherwise be imposed will be waived from the date of this Notice
         through the date that is 30 days after the substitution.

    o    On the effective date of the substitution, your Contract Value in the
         Subaccount will be the same as before the substitution. However, the
         number of units you receive in the Replacement Fund will be different
         from the number of units in your Existing Fund, due to the difference
         in unit values.

    o    There will be no tax consequences to you.

Following the substitution, we will send you a prospectus for Met Investors
Series Trust as well as notice of the actual date of the substitution and
confirmation of transfers. Please contact us at 1-800-233-3591 if you have any
questions.