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                                                                  Exhibit 10.57


                              AMENDMENT TO THE
          NEW METROPOLITAN LIFE AUXILIARY RETIREMENT BENEFITS PLAN

         The NEW METROPOLITAN LIFE AUXILIARY RETIREMENT BENEFITS PLAN ("Plan")
is hereby amended as follows:

         1.       Article 1 of the Plan is hereby amended to provide as follows:

                  "Article 1 - PURPOSE OF PLAN

                  The purpose of the Plan is to provide to certain participants
         employed by Metropolitan Life Insurance Company (the Company) and
         Metropolitan Property and Casualty Insurance Company (the Subsidiary)
         and their beneficiaries under the Metropolitan Life Retirement Plan for
         United States Employees ("the Retirement Plan") the excess amount that
         would have been payable under the Retirement Plan in the absence of the
         limitations under (i) section 415 of the Internal Revenue Code of 1986
         (as amended) ("the Internal Revenue Code"), and (ii) section 401(a)(17)
         of the Internal Revenue Code."




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         2.       Article 2 of the Plan is hereby amended as follows:

         "Article 2 - PARTICIPATION

                  (A) Except as provided in Paragraph (B) below, a Participant
         under the Plan is any Company or Subsidiary employee participating in
         the Retirement Plan (a) whose benefits are reduced because of the
         application of (i) section 415 of the Internal Revenue Code, or (ii)
         section 401(a)(17) of the Internal Revenue Code.

                  (B)(1) No individual shall be a Participant if on or after
         January 1, 1995 he or she is a participant in the Metropolitan Life
         Supplemental Retirement Plan.

                     (2) If on or after January 1, 1995 a Participant becomes
         eligible to participate in the Metropolitan Life Supplemental
         Retirement Plan, his or her Participation in the Plan shall cease on
         that date and all the benefits under the Plan that accrued through that
         date shall be forfeited under this Plan; instead, such accruals shall
         be part of such individual's benefits under the Metropolitan Life
         Supplemental Retirement Plan in which he or she will be a participant."



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3.       Article 4 of the Plan is hereby amended as follows:

         "Article 4.  UNFUNDED PLAN.
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                  The Plan is completely unfunded, and payment of benefits is
         supported only by the general assets of the Company or the Subsidiary.
         This Plan is entirely separate from the Retirement Plan, the
         Metropolitan Life Auxiliary Retirement Benefits Plan, the New
         Metropolitan Life Supplemental Auxiliary Retirement Benefits Plan, and
         the Metropolitan Supplemental Retirement Plan, and participation in
         this Plan gives a Participant no right to any funds or assets of the
         Retirement Plan, the Metropolitan Life Auxiliary Retirement Benefits
         Plan, the New Metropolitan Life Supplemental Auxiliary Retirement
         Benefits Plan, or the Metropolitan Life Supplemental Retirement Plan.
         The fact that contracts or certificates of the Company may be
         distributed to recipients of benefits under the Retirement Plan in
         discharge of the Company's or the Subsidiary's obligations thereunder
         shall in no way entitle a Participant in this Plan to receive any such
         contract or certificate in discharge of the Company's or the
         Subsidiary's obligations hereunder."


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4.       Article 6 of the Plan is hereby amended as follows:

         "Article 6.  EFFECT OF TAXES

                  In making payments under this Plan, the Company and the
         Subsidiary shall withhold any Federal, state or local income or other
         taxes it determines that it is legally obligated to withhold. In the
         event the payments received by the Participant incur greater tax
         burdens (whether income, estate or other tax burdens) than would such
         payments if they had been able to be received under the Retirement
         Plan, the Company and the Subsidiary shall have no obligation to
         reimburse the Participant for such greater tax burdens."

5.       This amendment shall be effective on January 1, 1999.



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         IN WITNESS WHEREOF, the Company has caused this amendment to be
executed in its name and behalf this day of , 2001, by its officer thereunto
duly authorized.

                                            METROPOLITAN LIFE INSURANCE COMPANY



                                            By
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ATTEST:



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