8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

Form 8-K

CURRENT REPORT PURSUANT
TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported) December 9, 2004

MetLife, Inc.

(Exact Name of Registrant as Specified in Its Charter)

Delaware

(State or Other Jurisdiction of Incorporation)

1-15787	13-4075851
(Commission File Number)	(IRS Employer Identification No.)
200 Park Avenue, New York, New York	10166-0188
(Address of Principal Executive Offices)	(Zip Code)

212-578-2211

(Registrant’s Telephone Number, Including Area Code)

N/A

(Former Name or Former Address, if Changed Since Last Report)

     Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

     o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

     o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

     o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

     o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	Item 8.01. Other Events.
	Item 9.01. Financial Statements and Exhibits.
Signatures
EXHIBIT INDEX
UNDERWRITING AGREEMENT
PRICING AGREEMENT
ELEVENTH SUPPLEMENTAL INDENTURE
OPINION OF LEBOEUF, LAMB, GREENE & MACRAE, L.L.P.

Item 8.01. Other Events.

     On December 1, 2004, MetLife, Inc., a Delaware corporation, entered into (i) an underwriting agreement (attached hereto as Exhibit 1.1 and incorporated herein by reference), and (ii) a pricing agreement relating to £350 million aggregate principal amount of 5.375% senior notes due December 9, 2024 (the “Senior Notes”) (attached hereto as Exhibit 1.2 and incorporated herein by reference), each among MetLife, Inc., Deutsche Bank AG London, HSBC Bank plc, The Royal Bank of Scotland, Barclays Bank PLC and BNP Paribas, as underwriters (the “Underwriters”), pursuant to which the Underwriters agreed to purchase the Senior Notes from MetLife, Inc.

     Senior Notes being offered and sold outside the United States are being offered and sold in reliance upon Regulation S under the Securities Act of 1933, as amended (the “Securities Act”). It has been estimated that up to £35 million, the equivalent of $66,755,000, of the Senior Notes initially offered and sold outside the United States may be resold in the United States from time to time in transactions requiring registration under the Securities Act. Such securities will be offered and sold pursuant to the shelf registration statement on Form S-3 (registration nos. 333-112073, 333-112073-01 and 333-112073-02) under the Securities Act filed with the U.S. Securities and Exchange Commission (the “Commission”) on January 21, 2004, as amended on March 4, 2004, and a prospectus supplement dated December 1, 2004 and accompanying prospectus dated March 4, 2004.

     The terms of the Senior Notes are set forth in an indenture dated as of November 9, 2001 (the “Original Indenture”) (previously filed as an exhibit to a Form 8-K filed by MetLife, Inc. with the Commission on November 28, 2001 and incorporated herein by reference), as supplemented by an Eleventh Supplemental Indenture dated as of December 9, 2004 (attached hereto as Exhibit 4.1 and incorporated herein by reference).

Item 9.01. Financial Statements and Exhibits.

     The following documents are filed with reference to and hereby incorporated by reference into the Registration Statement.

(c)       1.1	Underwriting Agreement dated December 1, 2004 among MetLife, Inc. and the Underwriters.
1.2	Pricing Agreement dated December 1, 2004, among MetLife, Inc. and the Underwriters, relating to the Senior Notes.
4.1	Eleventh Supplemental Indenture dated as of December 9, 2004 between MetLife, Inc. and J.P. Morgan Trust Company, National Association (as successor to Bank One Trust Company, N.A.), as trustee, relating to the Senior Notes.
4.2	Form of Senior Note (included as Exhibit A to Exhibit 4.1 above).
5.1	Opinion of LeBoeuf, Lamb, Greene & MacRae, L.L.P., a limited liability partnership including professional corporations.
23.1	Consent of LeBoeuf, Lamb, Greene & MacRae, L.L.P., a limited liability partnership including professional corporations (included in Exhibit 5.1 above).

Signatures

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

MetLife, Inc.
By:	/s/ Gwenn L. Carr
	Name:	Gwenn L. Carr
	Title:	Senior Vice-President and Secretary

Date: December 9, 2004

EXHIBIT INDEX

Exhibit
Number	Exhibit
1.1	Underwriting Agreement dated December 1, 2004 among MetLife, Inc. and the Underwriters.
1.2	Pricing Agreement dated December 1, 2004, among MetLife, Inc. and the Underwriters, relating to the Senior Notes.
4.1	Eleventh Supplemental Indenture dated as of December 9, 2004 between MetLife, Inc. and J.P. Morgan Trust Company, National Association (as successor to Bank One Trust Company, N.A.), as trustee, relating to the Senior Notes.
4.2	Form of Senior Note (included as Exhibit A to Exhibit 4.1 above).
5.1	Opinion of LeBoeuf, Lamb, Greene & MacRae, L.L.P., a limited liability partnership including professional corporations.
23.1	Consent of LeBoeuf, Lamb, Greene & MacRae, L.L.P., a limited liability partnership including professional corporations (included in Exhibit 5.1 above).

EX-1.1

EXHIBIT 1.1

METLIFE, INC.

DEBT SECURITIES

UNDERWRITING AGREEMENT

December 1, 2004

To the Representatives of the several
Underwriters named in the respective
Pricing Agreements hereinafter described

Ladies and Gentlemen:

     From time to time, MetLife, Inc., a Delaware corporation (the “Company”), proposes to enter into one or more Pricing Agreements (each a “Pricing Agreement”) in the form of Annex I hereto, with such additions and deletions as the parties thereto may determine and, subject to the terms and conditions stated herein and therein, to issue and sell to the firms named in Schedule I to the applicable Pricing Agreement (the “Underwriters” with respect to such Pricing Agreement and the securities specified therein) the principal amount of its securities or aggregate number of shares identified in Schedule I to the applicable Pricing Agreement (the “Securities” with respect to such Pricing Agreement).

     The terms and rights of any particular issuance of Securities shall be as specified in the Pricing Agreement relating thereto and in or pursuant to the Senior Indenture or Subordinated Indenture, as specified in such Pricing Agreement, in each case as supplemented by one or more Supplemental Indentures (each such Senior Indenture or Subordinated Indenture, as so supplemented, an “Indenture”) or the Amended and Restated Certificate of Incorporation of the Company (including the applicable Certificate of Designation), as applicable (each a “Securities Agreement”), and identified in such Pricing Agreement.

     Particular sales of Securities may be made from time to time to the Underwriters of such Securities, for whom the firms designated as representatives of the Underwriters of such Securities in the Pricing Agreement relating thereto will act as representatives (the “Representatives”). The term “Representatives” also refers to a single firm acting as sole representative of the Underwriters and to Underwriters who act without any firm being designated as their representative. This Underwriting Agreement shall not be construed as an obligation of the Company to sell any of the Securities or as an obligation of any of the Underwriters to purchase the Securities. The obligation of the Company to issue and sell any of the Securities and the obligation of any of the Underwriters to purchase any of the Securities shall be evidenced by the Pricing Agreement with respect to the Securities specified therein.

     Each Pricing Agreement shall specify the aggregate principal amount of such Securities or the total number of shares, as the case may be, the initial public offering price of such Securities, the purchase price to the Underwriters of such Securities, the names of the Underwriters of such Securities, the names of the Representatives of such Underwriters and the principal amount or number of shares, as the case may be, of such Securities to be purchased by each Underwriter. In addition, such Pricing Agreement shall set forth the date, time and manner of delivery of such Securities and payment therefor. Such Pricing Agreement shall also specify (in a manner not inconsistent with the applicable Securities Agreements and the registration statement and prospectus with respect thereto) the terms of such Securities. A Pricing Agreement shall be in the form of an executed writing (which may be in counterparts), and may be evidenced by an exchange of telegraphic communications or any other rapid transmission device designed to produce a written record of communications transmitted. The obligations of the Underwriters under this Agreement and each Pricing Agreement shall be several and not joint.

     1. Representations and Warranties. The Company represents and warrants to the Underwriters as of the date hereof and as of the Closing Date (as hereinafter defined), and agrees with each of the Underwriters, as follows:

     (a) The Company has filed with the Securities and Exchange Commission (the “Commission”) a registration statement on Form S-3 (No. 333-112073) under the Securities Act of 1933, as amended (the “Act”), which has become effective, for the registration under the Act of the Securities. The Company meets the requirements for use of Form S-3 under the Act. No stop order suspending the effectiveness of the registration statement has been issued under the Act and no proceedings for that purpose have been instituted or are pending or, to the knowledge of the Company, are contemplated by the Commission, and any request on the part of the Commission for additional information has been complied with. The Company proposes to file with the Commission pursuant to Rule 424 under the Act a supplement or supplements to the form of prospectus included in such registration statement relating to the Securities and the plan of distribution thereof. Such registration statement, including the exhibits thereto, as amended at the date of this Agreement, is hereinafter called the “Registration Statement”; such prospectus in the form in which it appears in the Registration Statement is hereinafter called the “Base Prospectus”; and such supplemented form of prospectus, in the form in which it shall first be filed with the Commission pursuant to Rule 424 (including the Base Prospectus as so supplemented), is hereinafter called the “Final Prospectus.” Any preliminary form of the Final Prospectus which has heretofore been filed pursuant to Rule 424 is hereinafter called the “Preliminary Prospectus.” Any reference herein to the Registration Statement, the Base Prospectus, any Preliminary Prospectus or the Final Prospectus shall be deemed to refer to and include the documents incorporated by reference therein pursuant to Item 12 of Form S-3 which were filed under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), on or before the date of this Agreement, or the issue date of the Base Prospectus, any Preliminary Prospectus or the Final Prospectus, as the case may be; and any reference herein to the terms “amend,” “amendment” or “supplement” with respect to the Registration Statement, the Base Prospectus, any Preliminary Prospectus or the Final Prospectus shall be deemed to refer to and include the filing of any document under the Exchange Act after the date of this Agreement, or the issue date of the Base Prospectus, any Preliminary Prospectus or the Final Prospectus, as the case may be, deemed to be incorporated therein by reference; each Preliminary Prospectus and the prospectuses filed as part of the Registration Statement as originally filed or as part of any amendment thereto, or filed pursuant to Rule 424 under the Act, complied when so filed in all material respects with the Act and the rules thereunder and each Preliminary Prospectus and the Final Prospectus delivered to the Representatives for use in connection with this offering was identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation S-T;

     (b) As of the date hereof, when the Final Prospectus is first filed or transmitted for filing pursuant to Rule 424 under the Act, when, prior to the Closing Date (as hereinafter defined), any amendment to the Registration Statement becomes effective (including the filing of any document incorporated by reference in the Registration Statement), when any supplement to the Final Prospectus is filed with the Commission and at the Closing Date, (i) the Registration Statement, as amended as of any such time, and the Final Prospectus, as amended or supplemented as of any such time, and, in the case of Securities issued pursuant to an Indenture, such Indenture, will comply in all material respects with the applicable requirements of the Act, the Trust Indenture Act of 1939, as amended (the “Trust Indenture Act”), and the Exchange Act and the respective rules thereunder and (ii) neither the Registration Statement, as amended as of any such time, nor the Final Prospectus, as amended or supplemented as of any such time, will contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary in order to make the statements therein not misleading; provided, however, that the Company makes no representations or warranties as to (i) that part of the Registration Statement which shall constitute the trustee’s Statement of Eligibility and Qualification (Form T-1) under the Trust Indenture Act (the “Form T-1s”) or (ii) the information contained in or omitted from the Registration Statement, the Final Prospectus or the Preliminary Prospectus or any amendment thereof or supplement thereto in reliance upon and in conformity with information relating to such Underwriter or the underwriting arrangements furnished in writing to the Company by any Underwriter expressly for use in the Registration Statement and the Final Prospectus;

     (c) Each document incorporated or deemed to be incorporated by reference in the Registration Statement and the Final Prospectus, when they became effective or at the time they were or hereafter are filed with the Commission, complied and will comply in all material respects with the Act or the Exchange Act, as applicable, and, when read together with the other information in the Final Prospectus, at the time the Registration Statement became effective, at the time the Final Prospectus was issued and at the Closing Date (as hereinafter defined) did not and will not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading;

     (d) Neither the Company nor any subsidiary of the Company that would qualify as a “Significant Subsidiary” of the Company under Regulation S-X and is listed on Annex II hereto (each, a “Significant Subsidiary”) (for avoidance of doubt, One Madison Investment (Cayco) Limited shall be deemed not to be a Significant Subsidiary for purposes of this Agreement) has sustained since the date of the latest audited financial statements included or incorporated by reference in the Final Prospectus any loss or interference material to the business of the Company and its subsidiaries considered as a whole, other than as described in or contemplated by the Final Prospectus, from fire, explosion, flood or other calamity, whether or not covered by insurance, or from any labor dispute or court or governmental action, order or decree; and, since the respective dates as of which information is given in the Registration Statement and the Base Prospectus, otherwise than as described or contemplated in the Final Prospectus, there has not been any (i) material addition, or development involving a prospective material addition, to the liability of Metropolitan Life Insurance Company (“MetLife”) for future policy benefits, policyholder account balances and other claims, other than in the ordinary course of business, (ii) material decrease in the surplus of MetLife or material change in the capital stock or other ownership interests (other than issuances of common stock upon the exercise of outstanding employee stock options or pursuant to existing employee compensation plans or on the conversion or exchange of convertible or exchangeable securities outstanding on the date of the applicable Pricing Agreement) of the Company or any Significant Subsidiary or any material increase in the long-term debt of the Company or its subsidiaries, considered as a whole, or (iii) material adverse change, or development involving a prospective material adverse change, in or affecting the business, financial position, reserves, surplus, equity or results of operations (in each case considered either on a statutory accounting or U.S. generally accepted accounting principles (“GAAP”) basis, as applicable) of the Company and its subsidiaries considered as a whole;

     (e) The Company and each Significant Subsidiary has good and marketable title in fee simple to all material real property and good and marketable title to all material personal property owned by it, in each case free and clear of all liens, encumbrances and defects, except such as are described in the Final Prospectus or such as would not have a material adverse effect on the business, financial position, equity, reserves, surplus or results of operations of the Company and its subsidiaries, considered as a whole (“Material Adverse Effect”), and do not materially interfere with the use made and proposed to be made of such property by the Company or any Significant Subsidiary, and any material real property and material buildings held under lease by the Company or any of its subsidiaries are held under valid, subsisting and enforceable leases with such exceptions as are not material and do not materially interfere with the use made and currently proposed to be made of such property and buildings by the Company or any Significant Subsidiary;

     (f) The Company has been duly incorporated and is validly existing as a corporation in good standing under the laws of the State of Delaware, with power and authority (corporate and other) to own its properties and conduct its business as described in the Final Prospectus and has been duly qualified as a foreign corporation for the transaction of business and is in good standing under the laws of each other jurisdiction in which its ownership or lease of property or the conduct of its business requires such qualification and good standing, except to the extent that the failure to be so qualified and in good standing would not have a Material Adverse Effect; there are no subsidiaries of the Company that are Significant Subsidiaries that are not listed on Annex II hereto (other than One Madison Investment (Cayco) Limited); MetLife duly converted from a mutual life insurance company to a stock life insurance company on April 7, 2000 in accordance with the Plan of Reorganization of MetLife under Section 7312 of the New York Insurance Law; and each Significant Subsidiary is validly existing as a corporation and is in good standing under the laws of its jurisdiction of incorporation, with power and authority (corporate and other) to own its properties and conduct its business as described in the Final Prospectus; and each Significant Subsidiary is duly qualified as a foreign corporation for the transaction of business and is in good standing under the laws of each other jurisdiction in which its ownership or lease of property or the conduct of its business requires such qualification and good standing, except to the extent that the failure to be so qualified and in good standing would not have a Material Adverse Effect;

     (g) The Company has the corporate power and authority to execute and deliver this Agreement, the applicable Pricing Agreements, the applicable Securities Agreements and the Securities and to consummate the transactions contemplated hereby and thereby;

     (h) The Company has an authorized capitalization as set forth and described in the Final Prospectus, and all of the issued shares of capital stock of the Company have been duly authorized and validly issued and are fully paid and nonassessable; none of the outstanding shares of capital stock of the Company was issued in violation of the preemptive or other similar rights of any securityholder of the Company; except as disclosed in the Final Prospectus, there are no outstanding options or warrants to purchase, or any preemptive rights or other rights to subscribe for or to purchase, any

securities or obligations convertible into or any contracts or commitments to sell shares of the Company’s capital stock or any such options, rights, warrants, convertible securities or obligations; the description of the Company’s stock option and purchase plans and the options or other rights granted and exercised thereunder set forth in the Final Prospectus accurately and fairly describe the information required to be shown with respect to such plans, arrangements, options and rights; except as disclosed in the Final Prospectus, there are no rights of any person, corporation or other entity to require registration of any shares of common stock or any other securities of the Company in connection with the filing of the Registration Statement and the issuance and sale of the Securities to the Underwriters pursuant to this Agreement and the applicable Pricing Agreements; and all of the issued shares of capital stock or other ownership interests of each Significant Subsidiary have been duly and validly authorized and issued, are fully paid and nonassessable and (except as described in the Final Prospectus and except for directors’ qualifying shares) are owned directly or indirectly by the Company free and clear of all liens, encumbrances, equities or claims;

     (i) The Securities have been duly authorized and, when the Securities are issued and delivered pursuant to this Agreement and the applicable Pricing Agreements, such Securities will have been duly executed, authenticated, issued and delivered (and, in the case of Securities representing capital stock of the Company, will be fully paid and nonassessable) and will constitute valid and legally binding obligations of the Company, enforceable against the Company in accordance with their terms, and will be entitled to the benefits provided by the applicable Securities Agreements; such Securities Agreements have been duly authorized, executed and delivered by the Company and, in the case of Securities issued pursuant to an Indenture, such Indenture has been duly qualified under the Trust Indenture Act and, on the Closing Date for any Securities, each Securities Agreement will constitute a valid and legally binding agreement of the Company, enforceable against the Company in accordance with its terms, subject, as to enforcement, to bankruptcy, insolvency, fraudulent transfer, moratorium and other similar laws relating to or affecting creditors’ rights generally and to general principles of equity; and the Securities will be substantially in the form contemplated by the applicable Securities Agreements, and the Securities and the applicable Securities Agreements conform in all material respects to the descriptions thereof contained in the Final Prospectus;

     (j) Each of MetLife, General American Life Insurance Company, New England Life Insurance Company and Metropolitan Property and Casualty Insurance Company (each, an “Insurance Subsidiary” and collectively, the “Insurance Subsidiaries”) is licensed as an insurance company in its respective jurisdiction of incorporation and is duly licensed or authorized as an insurer in each other jurisdiction where it is required to be so licensed or authorized to conduct its business, in each case with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect; except as otherwise described in the Final Prospectus, each Insurance Subsidiary has all other approvals, orders, consents, authorizations, licenses, certificates, permits, registrations and qualifications (collectively, the “Approvals”) of and from all insurance regulatory authorities to conduct its business, with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect; there is no pending or, to the knowledge of the Company, threatened action, suit, proceeding or investigation that could reasonably be expected to lead to any revocation, termination or suspension of any such Approval, the revocation, termination or suspension of which would have, individually or in the aggregate, a Material Adverse Effect; and, to the knowledge of the Company, no insurance regulatory agency or body has issued any order or decree impairing, restricting or prohibiting the payment of dividends by any Insurance Subsidiary to its parent which would have, individually or in the aggregate, a Material Adverse Effect;

     (k) Each of the Company, the Insurance Subsidiaries and State Street Research & Management Company has all necessary Approvals of and from, and has made all filings, registrations and declarations (collectively, the “Filings”) with, all insurance regulatory authorities, all Federal, state, local and other governmental authorities, all self-regulatory organizations and all courts and other tribunals, which are necessary to own, lease, license and use its properties and assets and to conduct its business in the manner described in the Final Prospectus, except where the failure to have such Approvals or to make such Filings would not have, individually or in the aggregate, a Material Adverse Effect; to the knowledge of the Company, each of the Company, the Insurance Subsidiaries and State Street Research & Management Company is in compliance with all applicable laws, rules, regulations, orders, by-laws and similar requirements, including in connection with registrations or memberships in self-regulatory organizations, and all such Approvals and Filings are in full force and effect and none of the Company, any Insurance Subsidiary or State Street Research & Management Company has received any notice of any event, inquiry, investigation or proceeding that would reasonably be expected to result in the suspension, revocation or limitation of any such Approval or otherwise impose any limitation on the conduct of the business of the Company or such subsidiary, except as described in the Final Prospectus or except for any such non-compliance, suspension, revocation or limitation which would not have, individually or in the aggregate, a Material Adverse Effect;

     (l) Each Insurance Subsidiary is in compliance with and conducts its businesses in conformity with all applicable insurance laws and regulations of its respective jurisdiction of incorporation and the insurance laws and regulations of other jurisdictions which are applicable to it, in each case with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect;

     (m) State Street Research & Management Company is duly registered as an investment advisor in each jurisdiction where it is required to be so registered to conduct its business with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect; State Street Research & Management Company has all other necessary Approvals of and from all applicable regulatory authorities, including any self-regulatory organization, to conduct its businesses, in each case with such exceptions, as would not have, individually or in the aggregate, a Material Adverse Effect; except as otherwise described in the Final Prospectus, State Street Research & Management Company has not received any notification from any applicable regulatory authority to the effect that any additional Approvals from such regulatory authority are needed to be obtained by such subsidiary in any case where it could be reasonably expected that (x) State Street Research & Management Company would in fact be required either to obtain any such additional Approvals or cease or otherwise limit engaging in certain business and (y) the failure to have such Approvals or limiting such business would have a Material Adverse Effect; and State Street Research & Management Company is in compliance with the requirements of the investment advisor laws and regulations of each jurisdiction which are applicable to such subsidiary, and has filed all notices, reports, documents or other information required to be filed thereunder, in each case with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect;

     (n) The issue and sale of the Securities pursuant to any Pricing Agreement, and compliance by the Company with all of the provisions of the Securities, the applicable Securities Agreements, this Agreement and any Pricing Agreement, and the consummation of the transactions herein and therein contemplated, will not conflict with or result in a breach or violation of any of the terms or provisions of, or constitute a default under, any indenture, mortgage, deed of trust, loan agreement, or other agreement or instrument to which the Company or any Significant Subsidiary is a party or by which the Company or any Significant Subsidiary is bound or to which any of the property or assets of the Company or any Significant Subsidiary is subject, or which affects the validity, performance or consummation of the transactions contemplated by this Agreement, nor will such action result in any violation of the provisions of the certificate of incorporation or by-laws of the Company or any Significant Subsidiary or any statute or any order, rule or regulation of any court or insurance regulatory authority or other governmental agency or body having jurisdiction over the Company or any Significant Subsidiary or any of their properties, in each case other than such breaches, conflicts, violations, or defaults which (other than a violation of the certificate of incorporation or by-laws or similar organizational documents of the Company or a Significant Subsidiary), individually or in the aggregate, would not have a Material Adverse Effect and would not adversely affect the validity or performance of the Company’s obligations under the Securities, the applicable Securities Agreements, this Agreement and any Pricing Agreement, and no Approval of or Filing with any such court or insurance regulatory authority or other governmental agency or body is required for the issue or sale of the Securities, except (i) the registration under the Act of the Securities and (ii) such Approvals or Filings as may be required under the Trust Indenture Act or state securities or Blue Sky laws in connection with the purchase and distribution of the Securities by the Underwriters;

     (o) Other than as set forth in the Final Prospectus, there are no legal or governmental proceedings pending to which the Company or any of its subsidiaries is a party or to which any property of the Company or any of its subsidiaries is subject, challenging the transactions contemplated by this Agreement and the applicable Pricing Agreements or which, if determined adversely to the Company or its subsidiaries, could reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect; and, to the knowledge of the Company, no such proceedings are threatened or contemplated by governmental authorities or threatened by others;

     (p) Neither the Company nor any Significant Subsidiary is in violation of any of its certificate of incorporation or by-laws or in default in the performance or observance of any obligation, agreement, covenant or condition contained in any indenture, mortgage, deed of trust, loan agreement, lease or other agreement or instrument to which it is a party or by which it is bound or to which any of its property or assets is subject, which violation or default would have, individually or in the aggregate, a Material Adverse Effect;

     (q) The statements set forth in the Final Prospectus under the captions “Description of Debt Securities” and “Description of the Senior Notes”, insofar as they purport to constitute a summary of the terms of the Securities, under the caption “Underwriting”, and under the captions “Business—Regulation”, “Business—Competition” and

“Legal Proceedings”, which have been incorporated therein by reference to the Company’s Annual Report on Form 10-K for the year ended December 31, 2003, as updated by the Final Prospectus, insofar as they purport to describe the provisions of the laws and documents referred to therein, are accurate and complete in all material respects;

     (r) The financial statements of the Company and its consolidated subsidiaries included or incorporated by reference in the Registration Statement, together with the related schedules and notes, comply in all material respects with the requirements of the Act and the Exchange Act, as applicable, and present fairly in all material respects the financial position, the results of operations and the changes in cash flows of such entities in conformity with GAAP at the respective dates or for the respective periods to which they apply; and such financial statements and related notes and schedules, if any, have been prepared in accordance with GAAP consistently applied throughout the periods involved, except for any normal year-end adjustments and except as described therein;

     (s) Deloitte & Touche LLP, which has audited certain consolidated financial statements of the Company and its subsidiaries, is an Independent Registered Public Accounting Firm as required by the Act and the rules and regulations of the Commission thereunder;

     (t) Neither the Company nor any Significant Subsidiary is, or after giving effect to the issue and sale of the Securities pursuant to any Pricing Agreement will be, an “investment company,” as such term is defined in the Investment Company Act of 1940, as amended (the “Investment Company Act”), and the rules and regulations thereunder, although certain separate accounts of MetLife and of certain Insurance Subsidiaries are required to register as investment companies under the Investment Company Act;

     (u) This Agreement and the applicable Pricing Agreements with respect to the applicable Securities have been duly authorized, executed and delivered by the Company;

     (v) There are no contracts or documents which are required to be described in the Registration Statement, the Final Prospectus or the documents incorporated by reference therein or to be filed as exhibits thereto which have not been so described and filed as required; and

     (w) None of the Company or its subsidiaries or, to the best of their knowledge, any of their directors, officers or affiliates, has taken or will take, directly or indirectly, any action designed to, or that might reasonably be expected to cause or result in stabilization or manipulation of the price of the Securities in violation of Regulation M under the Exchange Act.

     2. Purchase and Sale. Subject to the terms and conditions and in reliance upon the representations and warranties set forth herein, the Company agrees to sell to each Underwriter, and each Underwriter agrees, severally and not jointly, to purchase from the Company, at the purchase price set forth in Schedule II to the applicable Pricing Agreement the principal amount or number of shares, as the case may be, of the Securities set forth opposite such Underwriter’s name in Schedule I to the applicable Pricing Agreement.

     3. Delivery and Payment. Securities to be purchased by each Underwriter pursuant to the Pricing Agreement relating thereto, in definitive form to the extent practicable, and in such authorized denominations and registered in such names as the Representatives may request upon at least forty-eight hours’ prior notice to the Company, shall be delivered by or on behalf of the Company to the Representatives for the account of such Underwriter at the office, on the date and at the time specified in the applicable Pricing Agreement (or such later date not later than five business days after such specified date as the Representatives shall designate), which date and time may be postponed by agreement between the Representatives and the Company or as provided in Section 8 hereof (such date and time of delivery and payment for the Securities being herein called the “Closing Date”). Delivery of the Securities shall be made to the Underwriters for the respective accounts of the several Underwriters against payment by the several Representatives of the purchase price thereof by wire transfer of Federal (same-day) funds to the account specified by the Company or as otherwise set forth in the applicable Pricing Agreement.

     4. Company Covenants. The Company agrees with each of the Underwriters of any Securities:

     (a) To prepare the Final Prospectus as amended and supplemented in relation to the applicable Securities in a form approved by the Representatives and to file timely such Final Prospectus pursuant to Rule 424(b) under the Act; to make no further amendment or any supplement to the Registration Statement or Final Prospectus as amended or supplemented after the date of the Pricing Agreement relating to the applicable Securities and prior to the Closing Date for such Securities unless the Representatives for such Securities shall have had a reasonable opportunity to review and comment upon any such amendment or supplement prior to any filing thereof; to advise the Representatives, promptly after it receives notice thereof, of the time when any amendment to the Registration Statement has been filed or becomes effective or any supplement to the Final Prospectus or any amended Final Prospectus has been filed and to furnish the Representatives with copies thereof; to file promptly all reports and any definitive proxy or information statements required to be filed by the Company with the Commission pursuant to Section 13(a), 13(c), 14 or 15(d) of the Exchange Act for so long as the delivery of a prospectus is required in connection with the offering or sale of such Securities and, during such same period, to advise the Representatives, promptly after it receives notice thereof, of (i) the issuance by the Commission of any stop order or of any order preventing or suspending the use of the Final Prospectus, (ii) the suspension of the qualification of such Securities for offering or sale in any jurisdiction or of the initiation or threatening of any proceeding for any such purpose, or (iii) any request by the Commission for the amending or supplementing of the Registration Statement or Final Prospectus or for additional information; and, in the event of the issuance of any stop order or of any order preventing or suspending the use of the Final Prospectus or suspending any such qualification, promptly to use its best efforts to obtain the withdrawal of such order;

     (b) Promptly from time to time to take such action as the Representatives may reasonably request to qualify such Securities for offering and sale under the securities laws of such jurisdictions as the Representatives may reasonably request and to comply with such laws so as to permit the continuance of sales and dealings therein in such jurisdictions for so long as may be necessary to complete the distribution of such Securities, provided that in connection therewith the Company shall not be required to qualify as a foreign corporation, to file a general consent to service of process in any jurisdiction or to subject itself to taxation in respect of doing business in any jurisdiction in which it is not otherwise subject;

     (c) To furnish the Underwriters with copies of the Final Prospectus (including as it may be amended or supplemented) in such quantities as the Representatives may from time to time reasonably request, and, if the delivery of a prospectus is required at any time in connection with the offering or sale of such Securities, and if at such time any event shall have occurred as a result of which the Final Prospectus as then amended or supplemented would include an untrue statement of a material fact or omit to state any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made when such Final Prospectus is delivered, not misleading, or, if for any other reason it shall be necessary during such period to amend or supplement the Final Prospectus or to file under the Exchange Act any document incorporated by reference in the Final Prospectus in order to comply with the Act, the Exchange Act or the Trust Indenture Act, to notify the Representatives and upon their request to prepare and furnish without charge to each Underwriter and to any dealer in securities as many copies as the Representatives may from time to time reasonably request of an amended Final Prospectus or a supplement to the Final Prospectus which will correct such statement or omission or effect such compliance; and the Final Prospectus and any amendments or supplements thereto furnished to the Representatives shall be identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation S-T;

     (d) To make generally available to securityholders of the Company as soon as practicable, but in any event not later than eighteen months after the effective date of the Registration Statement (as defined in Rule 158(c) under the Act), an earnings statement of the Company and its subsidiaries (which need not be audited) complying with Section 11(a) of the Act and the rules and regulations thereunder (including, at the option of the Company, Rule 158);

     (e) During the period beginning from the date of the Pricing Agreement for any Securities and continuing to and including the Closing Date for such Securities, not to offer, sell, contract to sell or otherwise dispose of any securities of the Company (other than pursuant to employee stock option plans existing, or on the conversion or exchange of convertible or exchangeable securities outstanding on the date of such Pricing Agreement) which are substantially similar to such Securities, without the prior written consent of the Representatives, which consent shall not be unreasonably withheld; and

     (f) During a period of five years from the effective date of the Registration Statement, to furnish to the Representatives copies of all reports or other communications (financial or other) furnished to stockholders of the

Company, and to deliver to the Representatives as soon as they are available, copies of any reports and financial statements furnished to or filed with the Commission or any national securities exchange on which the Securities or any class of securities of the Company is listed (such financial statements to be on a consolidated basis to the extent the accounts of the Company and its subsidiaries are consolidated in reports furnished to its stockholders generally or to the Commission).

     5. Fees and Expenses. The Company covenants and agrees with the several Underwriters that the Company will pay or cause to be paid the following: (i) the fees, disbursements and expenses of counsel and accountants to the Company in connection with the registration of the Securities under the Act and all other expenses in connection with the preparation, printing and filing of the Registration Statement, the Base Prospectus, any Preliminary Prospectus and the Final Prospectus and any amendments and supplements thereto and the mailing and delivering of copies thereof to the Underwriters and dealers; (ii) the cost of printing or producing this Agreement, any Pricing Agreement, any Securities Agreement, any Agreement among Underwriters, any Blue Sky Survey and any other documents in connection with the offering, purchase, sale and delivery of the Securities; (iii) all expenses in connection with the qualification of the Securities for offering and sale under state securities laws and insurance securities laws as provided in Section 4(b) hereof, including the reasonable fees and disbursements of counsel for the Underwriters in connection with such qualification and in connection with the Blue Sky Survey; (iv) the filing fees incident to, and the fees and disbursements of counsel for the Underwriters in connection with, securing any required review by the National Association of Securities Dealers, Inc. (“NASD”) of the terms of the sale of the Securities; (v) any fees charged by securities rating services for rating the Securities; (vi) the cost of preparing the Securities; (vii) the fees and expenses of any trustee, paying agent or transfer agent and the fees and disbursements of counsel for any such trustee, paying agent or transfer agent in connection with a Securities Agreement and the Securities issued pursuant to any Securities Agreement; (viii) any travel expenses of the Company’s officers and employees and any other expenses of the Company in connection with attending or hosting meetings with prospective purchasers of the Securities; and (ix) all other costs and expenses incident to the performance of the obligations of the Company hereunder which are not otherwise specifically provided for in this Section. Except as provided in this Section, and Sections 7 and 10 hereof, the Underwriters will pay all of their own costs and expenses, including the fees of their counsel, stock transfer taxes on resale of any of the Securities by them and any advertising expenses connected with any offers they may make.

     6. Conditions to Underwriters’ Obligations. The obligations of the Underwriters of any Securities under the Pricing Agreement relating to such Securities shall be subject, in their discretion, to the condition that all representations and warranties and other statements of the Company herein or in certificates of any officer of the Company or any subsidiary of the Company delivered pursuant to the provisions hereof are, at and as of the Closing Date for such Securities, true and correct, the condition that the Company shall have performed all of its obligations hereunder and under the Pricing Agreement relating to such Securities to be performed at or before the Closing Date, and the following additional conditions:

     (a) The Final Prospectus shall have been filed with the Commission pursuant to Rule 424(b) within the applicable time period prescribed for such filing by the rules and regulations under the Act and in accordance with Section 4(a) hereof; no stop order suspending the effectiveness of the Registration Statement or any part thereof shall have been issued and no proceeding for that purpose shall have been initiated or threatened by the Commission; and all requests for additional information on the part of the Commission shall have been complied with to the Representatives’ reasonable satisfaction;

     (b) Willkie Farr & Gallagher LLP, counsel for the Underwriters, shall have furnished to the Underwriters such written opinion or opinions, dated such Closing Date, with respect to the incorporation of the Company, the validity of the Securities being delivered on such Closing Date, the Registration Statement and the Final Prospectus, and such other related matters as the Underwriters may reasonably request, and such counsel shall have received such papers and information as they may reasonably request to enable them to pass upon such matters;

     (c) James L. Lipscomb, Executive Vice President and General Counsel of the Company, shall have furnished to the Underwriters his written opinion, dated the Closing Date, in form and substance reasonably satisfactory to the Underwriters, to the effect that:

     (i) The Company has an authorized capitalization as set forth and described in the Final Prospectus, and all of the issued shares of capital stock of the Company have been duly authorized and validly issued and are

fully paid and nonassessable; none of the outstanding shares of capital stock of the Company was issued in violation of the preemptive or other similar rights of any securityholder of the Company; securityholders of the Company have no preemptive or other similar rights with respect to the Securities arising out of the certificate of incorporation or the by-laws of the Company or the Delaware General Corporation Law (“DGCL”); except as disclosed in the Final Prospectus, there are no rights of any person, corporation or other entity to require registration of any securities in connection with the filing of the Registration Statement and the issuance and sale of the Securities to the Underwriters pursuant to this Agreement and the applicable Pricing Agreements; the Securities to be issued and sold to the Underwriters pursuant to this Agreement, the applicable Pricing Agreements and the applicable Securities Agreements conform in all material respects to the description thereof contained in the Final Prospectus;

     (ii) All issued shares of capital stock or other ownership interests of each Significant Subsidiary have been duly authorized and validly issued, are fully paid and nonassessable, and (except as described in the Final Prospectus and except for directors’ qualifying shares) are owned directly or indirectly by the Company, free and clear of all liens, encumbrances, equities or claims, other than any lien, encumbrance, equity or claim which would not have a Material Adverse Effect;

     (iii) The Company and each Significant Subsidiary has been duly qualified as a foreign corporation for the transaction of business and is in good standing under the laws of each jurisdiction in which its ownership or lease of property or the conduct of its business requires such qualification, except to the extent that the failure to be so qualified and in good standing would not have a Material Adverse Effect;

     (iv) Each Significant Subsidiary that is required to be organized or licensed as an insurance company in its jurisdiction of incorporation is licensed as an insurance company in its jurisdiction of incorporation, and is duly licensed or authorized as an insurer in each other jurisdiction where it is required to be so licensed or authorized to conduct its business as described in the Final Prospectus, in each case with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect; and, except as otherwise described in the Final Prospectus, has all other Approvals of and from all insurance regulatory authorities to conduct its business, with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect; to such counsel’s knowledge, there is no pending or threatened action, suit, proceeding or investigation that could reasonably be expected to lead to any revocation, termination or suspension of any such Approval, the revocation, termination or suspension of which would have, individually or in the aggregate, a Material Adverse Effect; and, to such counsel’s knowledge, no insurance regulatory agency or body has issued any order or decree impairing, restricting or prohibiting the payment of dividends by any such Significant Subsidiary to its parent which would have, individually or in the aggregate, a Material Adverse Effect;

     (v) The Company and each Significant Subsidiary has all necessary Approvals of and from, and has made all Filings with, all insurance regulatory authorities, all Federal, state, local and other governmental authorities, all self-regulatory organizations and all courts and other tribunals, which are necessary to own, lease, license and use its properties and assets and to conduct its business in the manner described in the Final Prospectus, except where the failure to have such Approvals or to make such Filings would not have, individually or in the aggregate, a Material Adverse Effect; to such counsel’s knowledge, all such Approvals and Filings are in full force and effect and neither the Company nor any Significant Subsidiary has received any notice of any event, inquiry, investigation or proceeding that would reasonably be expected to result in the suspension, revocation or limitation of any such Approval or otherwise impose any limitation on the conduct of the business of the Company or any Significant Subsidiary, except as described in the Final Prospectus or except for any such suspension, revocation or limitation which would not have, individually or in the aggregate, a Material Adverse Effect;

     (vi) Each Significant Subsidiary that is engaged in the business of acting as a broker-dealer or an investment advisor (respectively, a “Broker-Dealer Subsidiary” and an “Investment Advisor Subsidiary”), is duly licensed or registered as a broker-dealer or investment advisor, as the case may be, in each jurisdiction where it is required to be so licensed or registered to conduct its business, in each case, with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect; each Broker-Dealer Subsidiary and each Investment Advisor Subsidiary has all other necessary Approvals of and from all applicable regulatory authorities, including any self-regulatory organization, to conduct its business, in each case with such exceptions as would not have, individually or in the aggregate, a Material Adverse Effect; except as otherwise described in the Final Prospectus, to

such counsel’s knowledge, no Broker-Dealer Subsidiary or Investment Advisor Subsidiary has received any notification from any applicable regulatory authority to the effect that any additional Approvals from such regulatory authority are needed to be obtained by such subsidiary in any case where it could be reasonably expected that (x) such Broker-Dealer Subsidiary or Investment Advisor Subsidiary would in fact be required either to obtain any such additional Approvals or cease or otherwise limit engaging in certain business and (y) the failure to have such Approvals or limiting such business would have a Material Adverse Effect;

     (vii) To such counsel’s knowledge and other than as set forth in the Final Prospectus, there are no legal or governmental proceedings pending to which the Company or any Significant Subsidiary is a party or to which any property of the Company or any Significant Subsidiary is subject, challenging the transactions contemplated by this Agreement and the applicable Pricing Agreements or which, if determined adversely to the Company or any Significant Subsidiary, individually or in the aggregate, could reasonably be expected to have a Material Adverse Effect; and, to such counsel’s knowledge and other than as described or contemplated in the Final Prospectus, no such proceedings are threatened or contemplated by governmental authorities or threatened by others;

     (viii) The issue and sale of the Securities and the execution and delivery by the Company of and the compliance by the Company with all of the provisions of the Securities, the applicable Securities Agreements, this Agreement and the applicable Pricing Agreements, and the consummation of the transactions herein and therein contemplated will not conflict with or result in a breach or violation of any of the terms and provisions of, or constitute a default under, any agreement or instrument listed as an exhibit to the Registration Statement or any other indenture, mortgage, deed of trust, loan agreement or other agreement or instrument to which, to the knowledge of such counsel, the Company or any Significant Subsidiary is a party or by which the Company or any Significant Subsidiary is bound or to which any of the property or assets of the Company or any Significant Subsidiary is subject, or which affects the validity, performance or consummation of the transactions contemplated by this Agreement, except for such conflicts, breaches, violations or defaults as would not, individually or in the aggregate, have a Material Adverse Effect and would not adversely affect the validity or performance of this Agreement, the applicable Pricing Agreements, the applicable Securities Agreements and the Securities; nor will such action result in any violation of the provisions of the certificate of incorporation or by-laws of the Company or any Significant Subsidiary or any statute or any order, rule or regulation of any court or insurance regulatory authority or other governmental agency or body having jurisdiction over the Company, any Significant Subsidiary or any of their respective properties; provided, that no opinion need be given with respect to (i) the Act, the Exchange Act, the Trust Indenture Act, the rules and regulations issued pursuant to each such act, or any order, rule or regulation made or established by the NASD, or (ii) any state securities or Blue Sky laws in connection with the purchase and distribution of the Securities by the Underwriters;

     (ix) The statements set forth in the Final Prospectus under the captions “Business—Regulation”, “Business—Competition” and “Legal Proceedings”, which have been incorporated therein by reference to the Company’s Annual Report on Form 10-K for the year ended December 31, 2003, as updated by the Final Prospectus, insofar as they purport to describe the provisions of the laws and documents referred to therein, are accurate and complete in all material respects; and

     (x) Each of the documents filed by the Company pursuant to the Exchange Act, and incorporated by reference into the Registration Statement and the Final Prospectus as of the date hereof, when it was filed, complied in all material respects with the requirements of the Exchange Act and the applicable rules and regulations of the Commission thereunder, except that such counsel need not express any opinion as to the financial statements and related notes and schedules and other financial data included or incorporated by reference therein or excluded therefrom.

     In rendering such opinion, such counsel may state that such counsel is admitted to practice law in the State of New York and that he expresses no opinion as to the laws of any jurisdiction other than the United States, the State of New York and the DGCL; and such counsel shall be entitled to rely in respect of the above opinions upon opinions of local or in-house counsel of the Company or its subsidiaries and in respect of matters of fact upon certificates of officers of the Company or its subsidiaries, provided that such counsel shall state that such counsel believes that both the Underwriters and such counsel are justified in relying upon such opinions and certificates.

     (d) The Company will furnish the Representatives with such conformed copies of such opinions, certificates, letters and documents as the Representatives reasonably request;

     (e) At 9:30 a.m., New York City time, on the effective date of any post-effective amendment to the Registration Statement filed subsequent to the date of this Agreement and at the Closing Date for the applicable Securities, Deloitte & Touche LLP shall have furnished to the Representatives a letter, dated the respective dates of delivery thereof, in form and substance reasonably satisfactory to you, confirming that they are independent registered public accountants with respect to the Company and the Company’s subsidiaries within the meaning of the Act and the Exchange Act and the respective applicable published rules and regulations thereunder, and further to the effect set forth in Annex III hereto;

     (f) [Reserved]

     (g) Neither the Company nor any Significant Subsidiary shall have sustained (i) since the date of the latest audited financial statements included or incorporated by reference in the Final Prospectus any loss or interference with its business from fire, explosion, flood or other calamity, whether or not covered by insurance, or from any labor dispute or court or governmental action, order or decree, otherwise than as set forth or contemplated in the Final Prospectus, and (ii) since the respective dates as of which information is given in the Final Prospectus, there shall not have been any change in the surplus of MetLife or the capital stock of the Company or any increase in the long-term debt of the Company and its respective subsidiaries considered as a whole, or any change, or any development involving a prospective change, in or affecting the business, financial position, stockholders’ equity or results of operations of the Company and its subsidiaries considered as a whole, otherwise than as set forth or contemplated in the Final Prospectus, the effect of which, in any such case described in clause (i) or (ii), is in the judgment of the Representatives so material and adverse as to make it impracticable or inadvisable to proceed with the offering or the delivery of the applicable Securities on the terms and in the manner contemplated in the Final Prospectus;

     (h) On or after the date of the Pricing Agreement relating to the applicable Securities (i) no downgrading shall have occurred in the rating accorded the debt securities of the Company or any Significant Subsidiary or the financial strength or claims paying ability of the Company or any Significant Subsidiary by A.M. Best & Co. or any “nationally recognized statistical rating organization,” as that term is defined by the Commission for purposes of Rule 436(g)(2) under the Act, and (ii) no such organization shall have publicly announced that it has under surveillance or review, with possible negative implications, its rating of any debt security or the financial strength or the claims paying ability of the Company or any Significant Subsidiary, the effect of which, in any such case described in clause (i) or (ii), is in the judgment of the Representatives so material and adverse as to make it impracticable or inadvisable to proceed with the offering or the delivery of the applicable Securities on the terms and in the manner contemplated in the Final Prospectus;

     (i) On or after the date of the Pricing Agreement relating to the applicable Securities there shall not have occurred any of the following: (i) a change in U.S. or international financial, political or economic conditions or currency exchange rates or exchange controls as would, in the reasonable judgment of the Representatives, be likely to prejudice materially the success of the proposed issue, sale or distribution of the applicable Securities, whether in the primary market or in respect of dealings in the secondary market; (ii) a suspension or material limitation in trading in securities generally on the New York Stock Exchange; (iii) a suspension or material limitation in trading in the Company’s securities on the New York Stock Exchange; (iv) a suspension or material limitation in clearing and/or settlement in securities generally; (v) a general moratorium on commercial banking activities declared by either Federal or New York State authorities; or (vi) the material outbreak or escalation of hostilities involving the United States or the declaration by the United States of a national emergency or war (including without limitation as a result of an act of terrorism) if the effect of any such event specified in this clause (vi) in the judgment of the Representatives makes it impracticable or inadvisable to proceed with the offering or the delivery of the Securities being delivered on the Closing Date on the terms and in the manner contemplated in the Final Prospectus;

     (j) The Company shall have complied with any request by the Representatives with respect to the furnishing of copies of the Final Prospectus in compliance with the provisions of Section 4(c) hereof;

     (k) At the Closing Date, the Representatives shall have received a certificate of the Company, dated as of the Closing Date, to the effect that (i) the representations and warranties of the Company contained in Section 1 hereof are true and correct in all respects with the same force and effect as though expressly made at and as of Closing Date and (ii) the

Company has complied in all respects with all agreements and all conditions on its part to be performed under this Agreement at or prior to the Closing Date; and

     (l) LeBoeuf, Lamb, Greene & MacRae, L.L.P. counsel for the Company, shall have furnished to the Underwriters their written opinion, dated the Closing Date, in form and substance reasonably satisfactory to the Underwriters, to the effect that:

     (i) The Company has been duly incorporated and is validly existing as a corporation in good standing under the laws of the State of Delaware, with corporate power and authority to own its properties and conduct its business as described in the Final Prospectus;

     (ii) The Company has the corporate power and authority to execute and deliver this Agreement, the applicable Pricing Agreements, the applicable Securities Agreements and the Securities and to consummate the transactions contemplated hereby and thereby;

     (iii) This Agreement, the applicable Pricing Agreements, the applicable Securities Agreements and the Securities have been duly authorized, executed and delivered by the Company;

     (iv) Each Significant Subsidiary is validly existing as a corporation and is in good standing under the laws of its jurisdiction of incorporation, with the corporate power and authority to own its properties and conduct its business as described in the Final Prospectus;

     (v) Neither the Company nor any Significant Subsidiary is, or after giving effect to the issue and sale of the Securities pursuant to any Pricing Agreement will be, an “investment company” required to be registered under the Investment Company Act, although certain separate accounts of MetLife and of its subsidiaries are required to register as investment companies under the Investment Company Act;

     (vi) The Company and each Significant Subsidiary has made all filings, qualifications or registrations required to be made pursuant to, and has obtained all consents, approvals, licenses, authorizations or validations required to be obtained under any law or regulation of the United States or any state thereof for the issuance and sale by the Company of the Securities, the compliance by the Company with all provisions of this Agreement, the applicable Pricing Agreements, the applicable Securities Agreements and the Securities, and the consummation of the transactions herein and therein contemplated, except for such filings, qualifications, registrations, consents, approvals, licenses, authorizations or validations (i) as may be required under state securities, insurance securities or Blue Sky laws in connection with the purchase and distribution of the Securities by the Underwriters, or (ii) individually or in the aggregate, as would not affect the validity, performance of, or adversely affect the consummation of, the transactions contemplated by this Agreement, the applicable Securities Agreements, the applicable Pricing Agreements and the Securities or would not have a Material Adverse Effect;

     (vii) To such counsel’s knowledge, no stop order suspending the effectiveness of the Registration Statement or any part thereof has been issued, and no proceedings for that purpose have been instituted or are pending or contemplated under the Act;

     (viii) The statements set forth in the Final Prospectus under the captions “Description of Debt Securities” and “Description of the Senior Notes”, insofar as they purport to constitute a summary of the terms of the Securities, and under the caption “Underwriting”, insofar as it purports to describe the provisions of the laws and documents referred to therein, are accurate and complete in all material respects;

     (ix) The discussion contained in the Final Prospectus under the caption “Certain U.S. Federal Income Tax Consequences” constitutes in all material respects (subject to the limitations and qualifications set forth therein) a fair and accurate summary of the material United States federal income tax consequences of the acquisition, ownership and disposition of the Securities.

     (x) The Registration Statement, at the time it became effective, and the Final Prospectus, as of its date, complied in all material respects with the requirements of the Act and the general rules and regulations thereunder, except that in each case such counsel need not express any opinion as to the financial statements and schedules and other financial data included or incorporated by reference therein or excluded therefrom, and, except to the extent expressly stated in paragraphs (viii) and (ix), such counsel need not assume any responsibility for the accuracy, completeness or fairness of the statements contained in the Registration Statement or the Final Prospectus;

     (xi) The Registration Statement has been declared effective by the Commission under the Act, and the Final Prospectus has been filed with the Commission in accordance with Rule 424(b) under the Act;

     (xii) When the Securities have been authenticated and delivered by the trustee in accordance with the terms of the applicable Securities Agreements and delivered to and paid for by the Underwriters in accordance with the terms of this Agreement and the applicable Pricing Agreements, (a) the Securities will constitute the valid and legally binding obligations of the Company, entitled to the benefits of the applicable Securities Agreements, and will be enforceable against the Company in accordance with their terms, except to the extent that enforcement thereof may be limited by (i) bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer or other similar laws now or hereafter in effect relating to creditors’ rights generally and (ii) general principles of equity (regardless of whether enforceability is considered in a proceeding at law or in equity), and (b) the Securities will be substantially in the form contemplated by the applicable Securities Agreements, and the Securities and the applicable Securities Agreements conform to the descriptions thereof in the Final Prospectus; and

     (xiii) The applicable Securities Agreements constitute valid and legally binding agreements of the Company, enforceable against the Company in accordance with their terms, except to the extent that enforcement thereof may be limited by (i) bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer or other similar laws now or hereafter in effect relating to creditors’ rights generally and (ii) general principles of equity (regardless of whether enforceability is considered in a proceeding at law or in equity), and the Indenture has been duly qualified under the Trust Indenture Act.

     Such counsel shall also state that while it has not itself checked the accuracy and completeness of, or otherwise verified, and is not passing upon and assumes no responsibility for, the accuracy or completeness of the statements contained in the Registration Statement or the Final Prospectus except to the limited extent stated in clauses (viii) and (ix) of this Section 6(l), no facts have come to the attention of such counsel which have led such counsel to believe that, as of the date of the Pricing Agreement, the Registration Statement or any further amendment thereto made by the Company prior to such Closing Date (other than the financial statements and schedules and other financial information contained therein, as to which such counsel need express no opinion) contained an untrue statement of a material fact or omitted to state a material fact required to be stated therein or necessary to make the statements therein not misleading or that, as of its date and as of such Closing Date, the Final Prospectus or any further amendment or supplement thereto made by the Company prior to such Closing Date (other than the financial statements and schedules and other financial information contained therein, as to which such counsel need express no opinion) contained or contains an untrue statement of a material fact or omitted or omits to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, and such counsel does not know of any amendment to the Registration Statement required to be filed or of any contracts or other documents of a character required to be filed as an exhibit to the Registration Statement or required to be described in the Registration Statement or the Final Prospectus which are not filed or described as required.

     In rendering such opinion, such counsel may state that such counsel is admitted to practice law in the State of New York and that it expresses no opinion as to the laws of any jurisdiction other than the United States, the State of New York and the DGCL; and such counsel shall be entitled to rely in respect of the above opinions upon opinions of local or in-house counsel of the Company or its subsidiaries and in respect of matters of fact upon certificates of officers of the Company or its subsidiaries, provided that such counsel shall state that such counsel believes that both the Underwriters and such counsel are justified in relying upon such opinions and certificates.

     7. Indemnification and Contribution.

     (a) The Company will indemnify and hold harmless each Underwriter, its partners, directors and officers and each person, if any, who controls such Underwriter within the meaning of either Section 15 of the Act or Section

     20 of the Exchange Act, against any losses, claims, damages or liabilities, joint or several, to which such Underwriter may become subject, under the Act or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon an untrue statement or alleged untrue statement of a material fact contained in (i) the Registration Statement or any amendment or supplement (when considered together with the document to which such supplement relates) thereto, or arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading or (ii) any Preliminary Prospectus, the Final Prospectus or any other prospectus relating to the Securities, or any amendment or supplement (when considered together with the document to which such supplement relates) thereto, or arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, and will reimburse each Underwriter for any legal or other expenses reasonably incurred by such Underwriter in connection with investigating or defending any such action or claim as such expenses are incurred; provided, however, that the Company shall not be liable in any such case to the extent that any such loss, claim, damage or liability (or action in respect thereof) arises out of or is based upon an untrue statement or alleged untrue statement or omission or alleged omission made in any Preliminary Prospectus, the Registration Statement or the Final Prospectus and any other prospectus relating to the Securities, or any such amendment or supplement(s) in reliance upon and in conformity with written information furnished to the Company by any Underwriter of the applicable Securities through the Representatives expressly for use in the Final Prospectus; provided, further, that the Company shall not be liable to any Underwriter under this Section 7(a) with respect to any Preliminary Prospectus to the extent that a court of competent jurisdiction has found by final and nonappealable order that any such loss, claim, damage or liability of such Underwriter results from the fact that such Underwriter sold Securities to a person to whom there was not sent or given, at or prior to the written confirmation of such sale, a copy of the Final Prospectus as then amended or supplemented (it being understood that if at the time of any such claim such Underwriter shall certify that it has sent or given the Final Prospectus as then amended or supplemented to any person making such claim at or prior to the written confirmation of such sale, it shall be presumed that such Final Prospectus has been so sent or given unless the Company shall have sustained the burden of proving, in a court of competent jurisdiction by a final and nonappealable order, that the facts are otherwise), if (i) such delivery to such person is required by Section 5 of the Act, (ii) the Company has furnished copies of such Final Prospectus as amended or supplemented to such Underwriter a reasonable period of time prior to such Underwriter being required so to deliver such Final Prospectus as amended or supplemented and (iii) the untrue or alleged untrue statement or omission or alleged omission of material fact contained in the Preliminary Prospectus was corrected by such Final Prospectus as amended or supplemented.

     (b) Each Underwriter will, severally and not jointly, indemnify and hold harmless the Company, its directors and officers who sign the Registration Statement and each person, if any, who controls the Company within the meaning of Section 15 of the Act or Section 20 of the Exchange Act against any losses, claims, damages or liabilities to which the Company may become subject, under the Act or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon an untrue statement or alleged untrue statement of a material fact contained in any Preliminary Prospectus, the Registration Statement, the Final Prospectus and any other prospectus relating to the Securities, or any amendment or supplement (when considered together with the document to which such supplement relates) thereto, or arise out of or are based upon the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, in each case to the extent, but only to the extent, that such untrue statement or alleged untrue statement or omission or alleged omission was made in any Preliminary Prospectus, the Registration Statement, the Final Prospectus and any other prospectus relating to the Securities, or any such amendment or supplement in reliance upon and in conformity with written information furnished to the Company by such Underwriter through the Representatives expressly for use therein; and will reimburse the Company for any legal or other expenses reasonably incurred by the Company in connection with investigating or defending any such action or claim as such expenses are incurred.

     (c) Promptly after receipt by an indemnified party under subsection (a) or (b) above of notice of the commencement of any action, such indemnified party shall, if a claim in respect thereof is to be made against the indemnifying party under such subsection, notify the indemnifying party in writing of the commencement thereof; the omission so to notify the indemnifying party shall relieve it from any liability which it may have to any indemnified party under such subsection, to the extent the indemnifying party is actually prejudiced by such omission. In case any such action shall be brought against any indemnified party and it shall notify the indemnifying party of the commencement thereof, the indemnifying party shall be entitled to participate therein and, to the extent that it shall wish, jointly with any other indemnifying party similarly notified, to assume the defense thereof, with counsel reasonably satisfactory to such

indemnified party (who shall not, except with the consent of the indemnified party, be counsel to the indemnifying party or any other indemnified party), and, after notice from the indemnifying party to such indemnified party of its election so to assume the defense thereof, the indemnifying party shall not be liable to such indemnified party under such subsection for any legal expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection with the defense thereof other than reasonable costs of investigation, unless (i) the indemnifying party and such indemnified party shall have mutually agreed to the contrary, (ii) the indemnifying party has failed within a reasonable time to retain counsel reasonably satisfactory to such indemnified party or (iii) the named parties in any such proceeding (including any impleaded parties) include both the indemnifying party and such indemnified party and representation of both parties by the same counsel would be inappropriate due to actual or potential differing interests between them. No indemnifying party shall, without the prior written consent of the indemnified party, effect the settlement or compromise of, or consent to the entry of any judgment with respect to, any pending or threatened action or claim in respect of which indemnification or contribution may be sought hereunder (whether or not the indemnified party is an actual or potential party to such action or claim) unless such settlement, compromise or judgment (i) includes an unconditional release of the indemnified party from all liability arising out of such action or claim and (ii) does not include a statement as to or an admission of fault, culpability or a failure to act, by or on behalf of any indemnified party. In no event shall the indemnifying party be liable for fees and expenses of more than one counsel (in addition to any local counsel) separate from their own counsel for all indemnified parties in connection with any one action or separate but similar or related actions in the same jurisdiction arising out of the same allegations or circumstances.

     (d) If the indemnification provided for in this Section 7 is unavailable to or insufficient to hold harmless an indemnified party under subsection (a) or (b) above in respect of any losses, claims, damages or liabilities (or actions in respect thereof) referred to therein, other than due to the express provisions thereof, then each indemnifying party shall contribute to the amount paid or payable by such indemnified party as a result of such losses, claims, damages or liabilities (or actions in respect thereof) in such proportion as is appropriate to reflect the relative benefits received by the Company on the one hand and the Underwriters on the other from the offering of the applicable Securities to which any such loss, claim, damage or liability (or action in respect thereof) relates. If, however, the allocation provided by the immediately preceding sentence is not permitted by applicable law or if the indemnified party failed to give the notice required under subsection (c) above, then each indemnifying party shall contribute to such amount paid or payable by such indemnified party in such proportion as is appropriate to reflect not only such relative benefits but also the relative fault of the Company on the one hand and the Underwriters of the applicable Securities on the other in connection with the statements or omissions which resulted in such losses, claims, damages or liabilities (or actions in respect thereof), as well as any other relevant equitable considerations. The relative benefits received by the Company on the one hand and such Underwriters on the other shall be deemed to be in the same proportion as the total net proceeds from such offering (before deducting expenses) received by the Company bear to the total underwriting discounts and commissions received by the Underwriters, in each case as set forth in the table on the cover page of the Final Prospectus relating to the applicable Securities. The relative fault shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a material fact relates to information supplied by the Company on the one hand or the Underwriters on the other and the parties’ relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. The Company and the Underwriters agree that it would not be just and equitable if contributions pursuant to this subsection (d) were determined by pro rata allocation (even if the Underwriters were treated as one entity for such purpose) or by any other method of allocation which does not take account of the equitable considerations referred to above in this subsection (d). The amount paid or payable by an indemnified party as a result of the losses, claims, damages or liabilities (or actions in respect thereof) referred to above in this subsection (d) shall be deemed to include any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending any such action or claim. Notwithstanding the provisions of this subsection (d), no Underwriter shall be required to contribute any amount in excess of the amount by which the total price at which the applicable Securities underwritten by it and distributed to the public were offered to the public exceeds the amount of any damages which such Underwriter has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged omission. No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The obligations of the Underwriters of the applicable Securities in this subsection (d) to contribute are several in proportion to their respective underwriting obligations with respect to such Securities and not joint.

     (e) The obligations of the Company under this Section 7 shall be in addition to any liability which the Company may otherwise have and shall extend, upon the same terms and conditions, to each person, if any, who controls any

Underwriter within the meaning of the Act. The obligations of the Underwriters under this Section 7 shall be in addition to any liability which the respective Underwriters may otherwise have and shall extend, upon the same terms and conditions, to each officer and director of the Company (including any person who, with his consent, is named in the Registration Statement as about to become a director of the Company) and to each person, if any, who controls the Company within the meaning of the Act.

     8. Defaulting Underwriters. (a) If any Underwriter shall default in its obligation to purchase the Securities which it has agreed to purchase under the Pricing Agreement relating to such Securities, the Representatives may in their discretion arrange for themselves or another party or other parties to purchase such Securities on the terms contained herein. If within thirty-six hours after such default by any Underwriter the Representatives do not arrange for the purchase of such Securities, then the Company shall be entitled to a further period of thirty-six hours within which to procure another party or other parties satisfactory to the Representatives to purchase such Securities on such terms. In the event that, within the respective prescribed periods, the Representatives notify the Company that the Representatives have so arranged for the purchase of such Securities, or the Company notifies the Representatives that it has so arranged for the purchase of such Securities, the Representatives or the Company shall have the right to postpone the Closing Date for such Securities for a period of not more than seven days, in order to effect whatever changes may thereby be made necessary in the Registration Statement or the Final Prospectus as amended or supplemented, or in any other documents or arrangements, and the Company agrees to file promptly any amendments to the Registration Statement or the Final Prospectus which in the opinion of the Representatives may thereby be made necessary. The term “Underwriter” as used in this Agreement shall include any person substituted under this Section with like effect as if such person had originally been a party to the Pricing Agreement with respect to such Securities.

     (b) If, after giving effect to any arrangements for the purchase of the Securities of any defaulting Underwriter or Underwriters by the Representatives and the Company as provided in subsection (a) above, the aggregate number of shares of such Securities or the aggregate principal amount of such Securities, as applicable, which remains unpurchased does not exceed ten percent of the aggregate number of shares of such Securities or the aggregate principal amount of the Securities, as applicable, to be purchased on such Closing Date, then the Company shall have the right to require each non-defaulting Underwriter to purchase the aggregate number of shares of such Securities or the aggregate principal amount of Securities, as applicable, which such Underwriter agreed to purchase under the Pricing Agreement relating to such Securities and, in addition, to require each nondefaulting Underwriter to purchase its pro rata share (based on the aggregate number of shares of such Securities or the aggregate principal amount of Securities, as applicable, which such Underwriter agreed to purchase under such Pricing Agreement) of the Securities of such defaulting Underwriter or Underwriters for which such arrangements have not been made; but nothing herein shall relieve a defaulting Underwriter from liability for its default.

     (c) If, after giving effect to any arrangements for the purchase of the Securities of a defaulting Underwriter or Underwriters by the Representatives and the Company as provided in subsection (a) above, the aggregate number of shares of such Securities or the aggregate principal amount of such Securities, as applicable, which remains unpurchased exceeds ten percent of the aggregate number of shares of such Securities or the aggregate principal amount of such Securities, as applicable, as referred to in subsection (b) above, or if the Company shall not exercise the right described in subsection (b) above to require non-defaulting Underwriters to purchase Securities of a defaulting Underwriter or Underwriters, then the Pricing Agreement relating to such Securities shall thereupon terminate, without liability on the part of any nondefaulting Underwriter or the Company, except for the expenses to be borne by the Company and the Underwriters as provided in Section 5 hereof and the indemnity and contribution agreements in Section 7 hereof; but nothing herein shall relieve a defaulting Underwriter from liability for its default.

     9. Survival. The respective indemnities, agreements, representations, warranties and other statements of the Company and the several Underwriters, as set forth in this Agreement or made by or on behalf of them, respectively, pursuant to this Agreement, shall remain in full force and effect, regardless of any investigation (or any statement as to the results thereof) made by or on behalf of any Underwriter or any controlling person of any Underwriter, the Company or any officer or director or controlling person of the Company and shall survive delivery of and payment for the Securities.

     10. Effect of Termination of Pricing Agreement or Nondelivery of Securities. If any Pricing Agreement shall be terminated pursuant to Section 8 hereof, the Company shall not then be under any liability to any Underwriter with respect to the Securities covered by such Pricing Agreement except as provided in Section 5 and Section 7 hereof; but, if for any other reason, Securities are not delivered by or on behalf of the Company as provided herein, the

Company will reimburse the Underwriters through the Representatives for all out-of-pocket expenses, including fees and disbursements of counsel, reasonably incurred by the Underwriters in making preparations for the purchase, sale and delivery of such Securities, but the Company shall then be under no further liability to any Underwriter in respect of such Securities except as provided in Section 5 and Section 7 hereof.

     11. Reliance upon Representatives. In all dealings hereunder, the Representatives shall act on behalf of the Underwriters of Securities and the parties hereto shall be entitled to act and rely upon any statement, request, notice or agreement on behalf of any Underwriter made or given by such of the Representatives, if any, as may be designated for such purpose in the applicable Pricing Agreements.

     12. Notices. All statements, requests, notices and agreements hereunder shall be in writing and shall be deemed to have been duly given if mailed or transmitted by any standard form of telecommunication; notices to the Representatives shall be directed to the address of the Representatives as set forth in the applicable Pricing Agreements with a copy to Willkie Farr & Gallagher LLP, 787 Seventh Avenue, New York, New York 10019, attention of David K. Boston, Esq.; and if to the Company shall be delivered or sent by mail, telex or facsimile transmission to MetLife, Inc., 200 Park Avenue, New York, New York 10166-0188, Attention: Treasurer. Any such statements, requests, notices or agreements shall take effect at the time of receipt thereof.

     13. Successors and Assigns. This Agreement and each Pricing Agreement shall be binding upon, and inure solely to the benefit of, the Underwriters, the Company, and, to the extent provided in Sections 7 and 9 hereof, the officers and directors of the Company and each person who controls the Company or any Underwriter, and their respective heirs, executors, administrators, successors and assigns, and no other person shall acquire or have any right under or by virtue of this Agreement or any such Pricing Agreement. No purchaser of any of the Securities from any Underwriter shall be deemed a successor or assign by reason merely of such purchase.

     14. GOVERNING LAW. THIS AGREEMENT AND EACH PRICING AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF LAW.

     15. Consent to Jurisdiction. The Company agrees that any legal suit, action or proceeding against the Company brought by any Underwriter or by any person, if any, who controls any Underwriter within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange Act, arising out of or based upon this Agreement or the transactions contemplated hereby may be instituted in any State or federal court in the Borough of Manhattan, The City of New York, New York, and, to the fullest extent permitted by applicable law, waives any objection which it may now or hereafter have to the laying of venue of any such proceeding, and irrevocably submits to the non-exclusive jurisdiction of such courts in any suit, action or proceeding.

     16. Offering Restrictions. Each of the Underwriters severally represents and agrees that it has not offered, sold or delivered and it will not offer, sell or deliver, directly or indirectly, any of the Securities, or distribute the Preliminary Prospectus, the Final Prospectus or any other offering material relating to the Securities, in or from any jurisdiction except under circumstances that will result in compliance with the applicable laws and regulations thereof and that will not impose any obligations on the Company, except as set forth in this Agreement and the applicable Pricing Agreement. In particular, each Underwriter severally represents and agrees as set forth in Annex IV to this Agreement.

     17. Counterparts. This Agreement and each Pricing Agreement may be executed by any one or more of the parties hereto and thereto in any number of counterparts, each of which shall be deemed to be an original, but all such counterparts shall together constitute one and the same instrument.

		Very truly yours,
		METLIFE, INC.
		By:	/s/ Anthony J. Williamson
			Name: Anthony J. Williamson
			Title: Senior Vice President and Treasurer
Accepted as of the date hereof on behalf of each of the Underwriters:
DEUTSCHE BANK AG LONDON
By:	/s/ Stephanie Osatenko
	Name: Stephanie Osatenko
	Title: Vice President
By:	/s/ Ian Wheeler
	Name: Ian Wheeler
	Title: Vice President
HSBC BANK PLC
By:	/s/ Mossman Roueché
	Name: Mossman Roueché
	Title: Head of Transaction Development
THE ROYAL BANK OF SCOTLAND PLC
By:	/s/ A. Butchart
	Name: A. Butchart
	Title: Solicitor
BARCLAYS BANK PLC
By:	/s/ L. P. Fleming
	Name: L. P. Fleming
	Title: Associate Director
BNP PARIBAS
By:	/s/ H. Pryce-Davies
	Name: H. Pryce-Davies
	Title: Authorised Signatory
By:	/s/ L. B. M. Foster
	Name: L. B. M. Foster
	Title: Authorised Signatory

ANNEX I

PRICING AGREEMENT

[                                                  ]
As Representatives of the
several Underwriters
named in Schedule I hereto
c/o [                                           ]

Ladies and Gentlemen:

     MetLife, Inc., a Delaware corporation (the “Company”), proposes, subject to the terms and conditions stated herein (this “Agreement”) and in the Underwriting Agreement, dated             , 2004 (the “Underwriting Agreement”), to issue and sell to the Underwriters named in Schedule I hereto (the “Underwriters”) the Securities specified in Schedule II hereto (the “Designated Securities”). Each of the provisions of the Underwriting Agreement is incorporated herein by reference in its entirety, and shall be deemed to be a part of this Agreement to the same extent as if such provisions had been set forth in full herein; and each of the representations and warranties set forth therein shall be deemed to have been made at and as of the date of this Agreement and the Closing Date, except that each representation and warranty which refers to the Final Prospectus in Section 1 of the Underwriting Agreement shall be deemed to be a representation or warranty as of the date of the Underwriting Agreement in relation to the Final Prospectus (as therein defined) and also a representation and warranty as of the date of this Agreement in relation to the Final Prospectus as amended or supplemented relating to the Designated Securities which are the subject of this Agreement. Each reference to the Representatives herein and in the provisions of the Underwriting Agreement so incorporated by reference shall be deemed to refer to you. Unless otherwise defined herein, terms defined in the Underwriting Agreement are used herein as therein defined. The Representatives designated to act on behalf of the Representatives and on behalf of each of the Underwriters of the Designated Securities pursuant to the Underwriting Agreement and the address of the Representatives are set forth at the end of Schedule II hereto.

     An amendment to the Registration Statement, or a supplement to the Base Prospectus, as the case may be, relating to the Designated Securities, in the form heretofore delivered to you is now proposed to be filed with the Commission.

     Subject to the terms and conditions set forth herein and in the Underwriting Agreement incorporated herein by reference, the Company agrees to issue and sell to each of the Underwriters, and each of the Underwriters agrees, severally and not jointly, to purchase from the Company, at the time and place and at the purchase price to the Underwriters set forth in Schedule II hereto, the number of shares or the principal amount, as the case may be, of Designated Securities set forth opposite the name of such Underwriter in Schedule I hereto.

     If the foregoing is in accordance with your understanding, please sign and return to us    counterparts hereof, and upon acceptance hereof by you, on behalf of each of the Underwriters, this letter and such acceptance hereof, including the provisions of the Underwriting Agreement incorporated herein by reference, shall constitute a binding agreement between each of the Underwriters and the Company. It is understood that your acceptance of this letter on behalf of each of the Underwriters is or will be pursuant to the authority set forth in a form of Agreement among Underwriters, the form of which shall be submitted to the Company for examination upon request, but without warranty on the part of the Representatives as to the authority of the signers thereof.

		Very truly yours,
		METLIFE, INC.
		By:
			Name:
			Title:
Accepted as of the date hereof on behalf of each of the Underwriters:
By:
	Name:
	Title:
By:
	Name:
	Title:
By:
	Name:
	Title:

I-2

SCHEDULE I
TO PRICING AGREEMENT

	Number of Shares
	or Principal
	Amount of
	Securities to
Underwriters	be Purchased
Total	£

SCHEDULE II
TO PRICING AGREEMENT

Underwriting Agreement, dated                                         

Registration Statement Nos. 333-                                        

Title, Purchase Price and Description of Designated Securities:

                    Title:

                    Applicable Securities Agreements:

                    Aggregate Principal Amount of Designated Securities: £

                    Price to the Public:

                    Purchase Price by Underwriters (include accrued interest or amortization, if any):

                    Sinking Fund Provisions:

                    Redemption Provisions:

                    Securities into which Convertible or Exchangeable:

                    Maturity of Designated Securities:

                    Interest Rate of Designated Securities:

                    Interest Payment Dates:

                    Liquidation Preferences:

                    Dividends:

                    Voting Rights:

                    Other Provisions:

                    Additional Closing Condition:

                    Closing Date, Time and Location:

                    Names and Addresses of Representatives:

                    Designated Representatives:

                    Addresses for Notices, etc.:

                    Underwriters:

I-2

ANNEX II

SIGNIFICANT SUBSIDIARY

Metropolitan Life Insurance Company (NY)

ANNEX III

[DELOITTE & TOUCHE LLP LETTER]

ANNEX IV

Offering Restrictions

     (A) The Securities are being offered for sale in those jurisdictions in the United States, Europe, Asia and elsewhere where it is lawful to make such offers.

     (B) Each of the Underwriters hereby severally represents and agrees that it has not offered, sold or delivered and it will not offer, sell or deliver, directly or indirectly, any of the Securities, or distribute the Final Prospectus or any other offering material relating to the Securities, in or from any jurisdiction except under circumstances that will result in compliance with the applicable laws and regulations thereof and that will not impose any obligations on the Company except as set forth in the Underwriting Agreement and the applicable Pricing Agreement.

     (C) To the extent any Underwriter is not registered in the United States as a broker-dealer, it will not effect any sales of the Securities in the United States other than through an affiliate that is registered in the United States as a broker-dealer.

     (D) Securities being offered and sold outside of the United States are being offered and sold in reliance upon Regulation S under the Act. It has been estimated that up to £35,000,000, the equivalent of $66,755,000, of the Securities initially offered and sold outside the United States may be resold in the United States from time to time in transactions requiring registration under the Act. Such Securities will be offered and sold pursuant to the shelf registration statement under the Act on file with the Commission. The Final Prospectus relates to both Securities being offered and sold in reliance upon Regulation S and Securities being offered and sold pursuant to such registration statement under the Act.

     (E) Each of the Underwriters hereby severally represents and agrees specifically that: (1) it has not offered or sold and will not offer or sell any Securities to persons in the United Kingdom except to persons whose ordinary activities involve them in acquiring, holding, managing or disposing of investments (as principal or agent) for the purposes of their businesses or otherwise in circumstances which have not resulted and will not result in an offer to the public in the United Kingdom within the meaning of the Public Offers of Securities Regulations 1995, as amended; (2) it has only communicated or caused to be communicated and will only communicate or cause to be communicated any invitation or inducement to engage in investment activity (within the meaning of section 21 of the Financial Services and Markets Act 2000 (the “FSMA”)) in connection with the issue or sale of any such Securities in circumstances in which section 21(1) of the FSMA does not apply to the Company; and (3) it has complied and will comply with all applicable provisions of the FSMA and all rules and regulations made pursuant to the FSMA with respect to anything done by it in relation to the Securities in, from or otherwise involving the United Kingdom.

     (F) Each of the Underwriters hereby represents and agrees that, in connection with its initial distribution, it has not offered or sold, and will not offer or sell, directly or indirectly, Securities to the public in the Republic of France, and has not distributed or caused to be distributed and will not distribute or cause to be distributed to the public in the Republic of France, the Final Prospectus or any other offering material relating to the Securities, and that such offers, sales and distributions have been and shall only be made in the Republic of France to (1) qualified investors (investisseurs qualifiés) and/or (2) a restricted circle of investors (cercle restraint d’investisseurs), all as defined in and in accordance with articles L411-1 and L411-2 of the Code Monétaire et Financier and décret no. 98-880 dated October 1, 1998. Where an issue of Securities is effected as an exception to the rules relating to an appel public à l’épargne in the Republic of France (public offer rules) by way of an offer to a restricted circle of investors (as referred to in (2) above), such investors must, to the extent that the Securities are offered to 100 or more of such investors, provide certification as to their personal relationship of a professional or family nature with a member of our management. In the context of such exception, investors in the Republic of France may only participate in the issue of Securities for their own account in accordance with the conditions set out in décret no. 98-880 dated October 1, 1998. Securities may only be issued, directly or indirectly, to the public

in the Republic of France in accordance with articles L411-1 and L411-2 of the Code Monétaire et Financier.

     (G) In connection with the initial placement of any Securities in Germany, each Underwriter hereby agrees that it will offer and sell Securities only in accordance with the provisions of the German Securities Selling Prospectus Act and the German Securities Exchange Act (1) only for an aggregate purchase price per purchaser of at least €40,000 (or the foreign currency equivalent) or such other amount as may be stipulated from time to time by applicable German law or (2) as may otherwise be permitted in accordance with applicable German law.

     (H) Each Underwriter hereby acknowledges that the offering of the Securities has not been cleared by CONSOB (the Italian Securities Exchange Commission) pursuant to Italian securities legislation and, accordingly, represents and agrees that no Securities may be offered, sold or delivered, nor may copies of the Final Prospectus or of any other document relating to the Securities be distributed in the Republic of Italy, except (1) to professional investors (operatori qualificati), as defined in Article 31, second paragraph, of CONSOB Regulation No. 11522 of July 1, 1998, as amended; or (2) in circumstances which are exempted from the rules on solicitation of investments pursuant to Article 100 of Legislative Decree No. 58 of February 24, 1998 (the Financial Services Act) and Article 33, first paragraph, of CONSOB Regulation No. 11971 of May 14, 1999, as amended. Any offer, sale or delivery of the Securities or distribution of copies of the Final Prospectus or any other document relating to the Securities in the Republic of Italy under (1) or (2) above must be (i) made by an investment firm, bank or financial intermediary permitted to conduct such activities in the Republic of Italy in accordance with the Financial Services Act and Legislative Decree No. 385 of September 1, 1993 (the Banking Act); and (ii) in compliance with Article 129 of the Italian Banking Act and the implementing guidelines of the Bank of Italy, as amended from time to time, pursuant to which the issue or the offer of securities in the Republic of Italy may need to be preceded and followed by an appropriate notice to be filed with the Bank of Italy depending, inter alia, on the aggregate value of the securities issued or offered in the Republic of Italy and their characteristics; and (iii) in compliance with any other applicable laws and regulations.

     (I) Each Underwriter hereby represents and agrees that issues of Securities may not, directly or indirectly, be offered or sold in The Netherlands with a denomination of less than €50,000 (or its equivalent in any other currency) other than to persons who trade or invest in securities in the conduct of a profession or business (which includes banks, stock brokers, insurance companies, pension funds, other institutional investors and finance companies and treasury departments of large enterprises), except for Securities in respect of which one of the exceptions in Article 3, or one of the exemptions under Article 4, of the Securities Transactions Supervision Act 1995 (“Wet toezicht effectenverkeer 1995” “STSA”) is applicable and the conditions attached to such exemption or exception are complied with.

     (J) Each Underwriter hereby represents, warrants and agrees that (1) except in circumstances which do not constitute an offer to the public within the meaning of the Irish Companies Act 1963 to 2003 (as amended from time to time) (the “Irish Acts”), it has not offered or sold and will not offer or sell any Securities in Ireland or elsewhere, by means of any document prior to application for listing of the Securities being made and the Irish Stock Exchange having approved the relevant listing particulars in accordance with the European Communities (Stock Exchange) Regulations 1984 (the “1984 Regulations”) and thereafter by means of any document other than (i) the relevant listing particulars and/or (ii) a form of application issued in connection with the Securities which indicates where the relevant listing particulars can be obtained or inspected or which is issued with the relevant listing particulars; (2) it has not made and will not make any offer of the Securities which would require a prospectus to be issued under the European Communities (Transferable Securities and Stock Exchange) Regulations 1992 of Ireland; and (3) it has complied with and will comply with all applicable provisions of the Irish Acts, the 1984 Regulations and the Irish Investment Intermediaries Act, 1995 (as amended) (including, without limitation, Sections 9, 23 (including any advertising restrictions made thereunder) and 50 and will conduct itself in accordance with any code of conduct drawn up pursuant to Section 37) with respect to anything done by it in relation to the Securities.

EX-1.2

EXHIBIT 1.2

PRICING AGREEMENT

December 1, 2004

To the Representatives of the
several Underwriters
named in Schedule I hereto

Ladies and Gentlemen:

     MetLife, Inc., a Delaware corporation (the “Company”), proposes, subject to the terms and conditions stated herein (this “Agreement”) and in the Underwriting Agreement, dated December 1, 2004 (the “Underwriting Agreement”), to issue and sell to the Underwriters named in Schedule I hereto (the “Underwriters”) the securities specified in Schedule II hereto (the “Designated Securities”). Each of the provisions of the Underwriting Agreement is incorporated herein by reference in its entirety, and shall be deemed to be a part of this Agreement to the same extent as if such provisions had been set forth in full herein; and each of the representations and warranties set forth therein shall be deemed to have been made at and as of the date of this Agreement and the Closing Date, except that each representation and warranty which refers to the Final Prospectus in Section 1 of the Underwriting Agreement shall be deemed to be a representation or warranty as of the date of the Underwriting Agreement in relation to the Final Prospectus (as therein defined) and also a representation and warranty as of the date of this Agreement in relation to the Final Prospectus as amended or supplemented relating to the Designated Securities which are the subject of this Agreement. Each reference to the Representatives herein and in the provisions of the Underwriting Agreement so incorporated by reference shall be deemed to refer to you. Unless otherwise defined herein, terms defined in the Underwriting Agreement are used herein as therein defined. The Representatives designated to act on behalf of the Representatives and on behalf of each of the Underwriters of the Designated Securities pursuant to the Underwriting Agreement and the address of the Representatives are set forth at the end of Schedule II hereto.

     An amendment to the Registration Statement, or a supplement to the Base Prospectus, as the case may be, relating to the Designated Securities, in the form heretofore delivered to you is now proposed to be filed with the Commission.

     Subject to the terms and conditions set forth herein and in the Underwriting Agreement incorporated herein by reference, the Company agrees to issue and sell to each of the Underwriters, and each of the Underwriters agrees, severally and not jointly, to purchase from the Company, at the time and place and at the purchase price to the Underwriters set forth in Schedule II hereto, the number of shares or the principal amount, as the case may be, of Designated Securities set forth opposite the name of such Underwriter in Schedule I hereto.

     If the foregoing is in accordance with your understanding, please sign and return to us five (5) counterparts hereof, and upon acceptance hereof by you, on behalf of each of the Underwriters, this letter and such acceptance hereof, including the provisions of the Underwriting Agreement incorporated herein by reference, shall constitute a binding agreement between each of the Underwriters and the Company. It is understood that your acceptance of this letter on behalf of each of the Underwriters is or will be pursuant to the authority set forth in a form of Agreement among Underwriters, the form of which shall be submitted to the Company for examination upon request, but without warranty on the part of the Representatives as to the authority of the signers thereof.

		Very truly yours,
		METLIFE, INC.
		By:	/s/ Anthony J. Williamson
			Name: Anthony J. Williamson
			Title: Senior Vice President and Treasurer
Accepted as of the date hereof on behalf of each of the Underwriters:
DEUTSCHE BANK AG LONDON
By:	/s/ Stephanie Osatenko
	Name: Stephanie Osatenko
	Title: Vice President
By:	/s/ Ian Wheeler
	Name: Ian Wheeler
	Title: Vice President
HSBC BANK PLC
By:	/s/ Mossman Roueché
	Name: Mossman Roueché
	Title: Head of Transaction Development
THE ROYAL BANK OF SCOTLAND PLC
By:	/s/ A. Butchart
	Name: A. Butchart
	Title: Solicitor
BARCLAYS BANK PLC
By:	/s/ L. P. Fleming
	Name: L. P. Fleming
	Title: Associate Director
BNP PARIBAS
By:	/s/ H. Pryse-Davies
	Name: H. Pryse-Davies
	Title: Authorised Signatory
By:	/s/ L. B. M. Foster
	Name: L. B. M. Foster
	Title: Authorised Signatory

SCHEDULE I
TO PRICING AGREEMENT

	Principal Amount of
	5.375% Senior Notes
	due 2024 to Be
Underwriters	Purchased
Deutsche Bank AG London	£	112,000,000
HSBC Bank plc		112,000,000
The Royal Bank of Scotland plc		112,000,000
Barclays Bank PLC		7,000,000
BNP Paribas		7,000,000
Total	£	350,000,000

I-1

SCHEDULE II
TO PRICING AGREEMENT

Underwriting Agreement, dated December 1, 2004

Registration Statement Nos. 333-112073, 333-112073-01 and 333-112073-02

Title, Purchase Price and Description of Designated Securities:

     Title: 5.375% Senior Notes due December 9, 2024

     Applicable Securities Agreements: Indenture, dated as of November 9, 2001, between the Company and Bank One Trust Company, N.A. , as trustee, as supplemented by the Eleventh Supplemental Indenture, to be dated as of December 9, 2004, between the Company and J.P. Morgan Trust Company, National Association (as successor to Bank One Trust Company, N.A.) (the “Trustee”).

     Aggregate Principal Amount of Designated Securities: £350,000,000

     Price to the Public: 98.596% of the principal amount of the Designated Securities, plus accrued interest from December 9, 2004, if settlement occurs after that date.

     Purchase Price by Underwriters (include accrued interest or amortization, if any): 97.971% of the principal amount of the Designated Securities, plus accrued interest from December 9, 2004, if settlement occurs after that date.

     Sinking Fund Provisions: None

     Redemption Provisions: The Designated Securities will be redeemable, in whole or in part, at the option of the Company at any time (a “Redemption Date”), at a redemption price equal to the greater of (i) 100% of the principal amount of the Designated Securities to be redeemed and (ii) , as determined by the Calculation Agent, the price at which the yield on the outstanding principal amount of the Designated Securities on the Reference Date is equal to the yield on the Benchmark Gilt as of that date as determined by reference to the middle-market price on the Benchmark Gilt at 3:00 p.m., London time, on that date; plus, in each case, accrued and unpaid interest on such Designated Securities to, but excluding, such Redemption Date.

     “Reference Date’’ means the date that is the first dealing day in London prior to the publication of the notice of redemption referred to under “Optional Redemption” in the Final Prospectus.

     “Benchmark Gilt’’ means the 5% Treasury Stock due March 7, 2025 or such other U.K. government stock as the Calculation Agent, with the advice of three brokers and/or U.K. gilt-edged market makers or three other persons operating in the U.K. gilt-edged market that may be chosen by the Calculation Agent, may determine from time to time to be the most appropriate benchmark U.K. government stock for the Designated Securities.

     “Calculation Agent’’ means J.P. Morgan Trust Company, National Association or any successor entity.

     If less than all of the Designated Securities are to be redeemed, the Trustee will select the Designated Securities or portions of the Designated Securities to be redeemed in compliance with the rules and requirements of the Irish Stock Exchange or the principal securities exchange, if any, on which the Designated Securities are listed or, if the Designated Securities are not so listed or that exchange prescribes no method of selection, by such method as the Trustee deems fair and appropriate. The Trustee may select

II-1

Designated Securities and portions of Designated Securities in amounts of £50,000 and whole multiples of £1,000 in excess of £50,000.

     In addition, the Designated Securities will be redeemable at the option of the Company in whole, but not in part, on at least 30 days but not more than 90 days’ notice, at a redemption price equal to 100% of their principal amount, if the Company determines that as a result of any change or amendment to the laws, treaties, regulations or rulings of the United States or any political subdivision or taxing authority thereof, or any proposed change in such laws, treaties, regulations or rulings, or any change in the official application, enforcement or interpretation of those laws, treaties, regulations or rulings, including a holding by a court of competent jurisdiction in the United States, or any other action (except for an action predicated on law generally known on or before December 1, 2004 but excluding proposals before the U.S. Congress before that date) taken by any taxing authority or a court of competent jurisdiction in the United States, or the official proposal of any action, whether or not such action or proposal was taken or made with respect to the Company, (A) the Company has or will become obligated to pay additional amounts as described under “Payment of Additional Amounts’’ in the Final Prospectus on any Designated Security or (B) there is a substantial possibility that the Company will be required to pay those additional amounts.

     Securities into which Convertible or Exchangeable: None

     Maturity of Designated Securities: December 9, 2024

     Interest Rate of Designated Securities: 5.375%

     Interest Payment Dates: The 9^th of each December, commencing December 9, 2005, continuing to and including the maturity date.

     Liquidation Preferences: None

     Dividends: None

     Voting Rights: None

     Other Provisions: See “Applicable Securities Agreements” above

     Additional Closing Condition: LeBoeuf, Lamb, Greene & MacRae, L.L.P., English legal advisers to the Company, shall deliver a written opinion with respect to matters of English law relating to the Designated Securities in form and substance reasonably satisfactory to the Underwriters, which opinion shall be delivered to the Representatives at the Closing.

     Closing Date, Time and Location: December 9, 2004 at 10:00 a.m. (London time) at the offices of Willkie Farr & Gallagher LLP, 787 Seventh Avenue, New York, New York 10019

     Names and Addresses of Representatives:

     Deutsche Bank AG London
     Winchester House
     Great Winchester Street
     London, EC2N 2DB
     UK

     HSBC Bank plc
     8 Canada Square
     London, E14 5HQ
     UK

II-2

     The Royal Bank of Scotland plc
     135 Bishopsgate
     London EC2M 3UR

Designated Representatives: Deutsche Bank AG London, HSBC Bank plc and The Royal Bank of Scotland plc

Addresses for Notices, etc.: Same as above

Underwriters: Deutsche Bank AG London, HSBC Bank plc, The Royal Bank of Scotland plc, Barclays Bank PLC and BNP Paribas

II-3

EX-4.1

Exhibit 4.1

METLIFE, INC.,

Issuer

and

J.P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION,
(as successor to BANK ONE TRUST COMPANY, N.A.),

Trustee

ELEVENTH SUPPLEMENTAL INDENTURE

DATED AS OF DECEMBER 9, 2004

£350,000,000

5.375% Senior Notes

Due December 9, 2024

TABLE OF CONTENTS¹

	ARTICLE I
	5.375% SENIOR NOTES DUE DECEMBER 9, 2024
SECTION 1.01.	Establishment	1
SECTION 1.02.	Definitions	2
SECTION 1.03.	Payment of Principal and Interest	3
SECTION 1.04.	Denominations	4
SECTION 1.05.	Global Securities	4
SECTION 1.06.	Transfer	5
SECTION 1.07.	Defeasance	5
SECTION 1.08.	Redemption at the Option of the Company	5
SECTION 1.09.	Notices	5
	ARTICLE II
	MATTERS RELATING TO SECURITIES DENOMINATED IN A FOREIGN CURRENCY
SECTION 2.01.	Currency Indemnity	6
SECTION 2.02.	Satisfaction and Discharge	6
SECTION 2.03.	Defeasance and Covenant Defeasance	7
SECTION 2.04.	Distributions	8
SECTION 2.05.	Undertakings	8
SECTION 2.06.	Conversion Event	8
	ARTICLE III
	MATTERS RELATING TO ADDITIONAL AMOUNTS
SECTION 3.01.	Additional Amounts	8
	ARTICLE IV
	MISCELLANEOUS PROVISIONS
SECTION 4.01.	Recitals by the Company	9
SECTION 4.02.	Ratification and Incorporation of Original Indenture	9
SECTION 4.03.	Executed in Counterparts	9

¹ This Table of Contents does not constitute part of the Eleventh Supplemental Indenture and shall not have any bearing on the interpretation of any of its terms or provisions.

     THIS ELEVENTH SUPPLEMENTAL INDENTURE is made as of the 9th day of December, 2004, by and between METLIFE, INC., a Delaware corporation (the “Company”), and J.P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION (as successor to Bank One Trust Company, N.A.), a national banking corporation, as trustee (the “Trustee”, which term includes any successor trustee):

     WHEREAS, the Company has heretofore entered into an Indenture, dated as of November 9, 2001 (the “Original Indenture”), with the Trustee;

     WHEREAS, the Original Indenture is incorporated herein by this reference and the Original Indenture, as supplemented by the this Eleventh Supplemental Indenture, is herein called the “Indenture”;

     WHEREAS, under the Original Indenture a new series of senior notes may at any time be established by the Board of Directors of the Company in accordance with the provisions of the Original Indenture or the terms of such series may be described by a supplemental indenture executed by the Company and the Trustee;

     WHEREAS, the Company proposes to create under the Indenture a new series of senior notes;

     WHEREAS, additional senior notes of other series hereafter established, except as may be limited in the Original Indenture as at the time supplemented and modified, may be issued from time to time pursuant to the Original Indenture as at the time supplemented and modified; and

     WHEREAS, all things necessary to make this Eleventh Supplemental Indenture a valid agreement of the Company, in accordance with its terms, have been done;

     NOW THEREFORE, in consideration of the agreements and obligations set forth herein and for other good and valuable consideration, the sufficiency of which is hereby acknowledged, the parties hereto hereby agree as follows:

ARTICLE I

5.375% SENIOR NOTES DUE DECEMBER 9, 2024

SECTION 1.01. Establishment.

     (a) There is hereby established a new series of senior notes to be issued under the Indenture, to be designated as the Company’s 5.375% Senior Notes due December 9, 2024 (the “2024 Senior Notes”).

     (b) There are to be authenticated and delivered 2024 Senior Notes, initially limited in aggregate principal amount of £350,000,000, and no further 2024 Senior Notes shall be authenticated and delivered except as provided by Section 2.05, 2.07, 2.11, 3.03 or 9.04 of the Original Indenture; provided, however, that the aggregate principal amount of the 2024 Senior Notes may be increased in the future, without the consent of the holders of the 2024 Senior Notes, on the same terms and with the same ISIN number and Common Code as the initially issued 2024 Senior Notes. The 2024 Senior Notes shall be issued in fully registered form.

     (c) The 2024 Senior Notes shall be issued in the form of one or more Global Securities, in substantially the form set out in Exhibit A hereto (the “Form of 2024 Senior Note”), registered in the name of Chase Nominees Limited, as nominee of the common depositary, JPMorgan Chase Bank, N.A., London branch, for Clearstream Banking, societé anonyme Luxembourg; and Euroclear Bank S.A./N.V., as more fully described in Section 1.05 of this Eleventh Supplemental Indenture.

     (d) The form of the Trustee’s Certificate of Authentication for the 2024 Senior Notes shall be substantially in the form set forth in Exhibit B hereto.

     (e) Each 2024 Senior Note shall be dated the date of authentication thereof and shall bear interest from the Original Issue Date or from the most recent Interest Payment Date to which interest has been paid or duly provided for.

SECTION 1.02. Definitions.

     (a) The following defined terms used herein shall, unless the context otherwise requires, have the meanings specified below. Capitalized terms used herein for which no definition is provided herein shall have the meanings set forth in the Original Indenture.

     “Additional Amounts” means any additional amounts which may be required by a 2024 Senior Note, under the circumstances specified herein or therein, to be paid by the Company in respect of certain taxes, assessments or other governmental charges imposed on beneficial holders specified therein and which are owing to such beneficial holders.

     “Conversion Event” means the cessation of use of (i) a Foreign Currency both by the government of the country or the confederation which issued such Foreign Currency and for the settlement of transactions by a central bank or other public institutions of or within the international banking community or (ii) any currency unit or composite currency for the purposes for which it was established.

     “Dollars” means a dollar or other equivalent unit of legal tender for payment of public or private debts in the United States of America.

     “Foreign Currency” means, with respect to any payment, deposit or other transfer in respect of principal (whether at the Stated Maturity of the 2024 Senior Notes, upon redemption, or otherwise) of, premium, if any, or interest on, or Additional Amounts, if any, in respect of any 2024 Senior Note, Pounds Sterling or, if the United Kingdom adopts the euro as its lawful currency in accordance with the Treaty establishing the European Communities, as amended from time to time, euros.

2

     “Interest Payment Date” means December 9 of each year, commencing December 9, 2005.

     “Original Issue Date” means December 9, 2004.

     “Pounds Sterling” or “£” means the lawful currency of the United Kingdom.

     “Regular Record Date” means, with respect to each Interest Payment Date, the close of business on the preceding November 30.

     “Stated Maturity” means December 9, 2024.

SECTION 1.03. Payment of Principal and Interest.

     (a) The principal of the 2024 Senior Notes shall be due at Stated Maturity. The unpaid principal amount of the 2024 Senior Notes shall bear interest at the rate of 5.375% per year until paid or duly provided for. Additional Amounts, if any, will also be payable in respect of the 2024 Senior Notes, as provided in Section 7 of the Form of 2024 Senior Note. Interest shall be paid annually in arrears on each Interest Payment Date, commencing December 9, 2005, to the Persons in whose names the 2024 Senior Notes are registered on the Regular Record Date for such Interest Payment Date, provided that interest payable at the Stated Maturity of principal will be paid to the Persons to whom principal is payable. Any such interest that is not so punctually paid or duly provided for will forthwith cease to be payable to the holders on such Regular Record Date and may be paid as provided in Section 2.03 of the Original Indenture.

     (b) Payments of interest on the 2024 Senior Notes will include interest accrued to but excluding the respective Interest Payment Dates. Interest payments for the 2024 Senior Notes shall be computed and paid on an Actual/Actual (ISMA) day fraction basis. Actual/Actual (ISMA) means that interest on the 2024 Senior Notes shall be calculated on the basis of (i) the actual number of days in the period from and including the last Interest Payment Date (or the Original Issue Date with respect to the first Interest Payment Date) to but excluding the date on which the Interest Payment Date falls divided by (ii) the product of (x) the actual number of days in the period from and including the last Interest Payment Date (or the Original Issue Date with respect to the first Interest Payment Date) to but excluding the date on which the Interest Payment Date falls and (y) the number of Interest Payment Dates per year.

     (c) In the event that any date on which interest is payable on the 2024 Senior Notes is not a Business Day, then a payment of the interest payable on such date will be made on the next succeeding day that is a Business Day (and without any interest or other payment in respect of any such delay), except that, if such Business Day is in the next succeeding calendar year, such payment shall be made on the immediately preceding Business Day, in each case with the same force and effect as if made on the date the payment was originally payable.

     For purposes of the foregoing, “Business Day” means any day, other than a day on which federal or state banking institutions in London or the Borough of Manhattan, The City of New York, are authorized or obligated by law, executive order or regulation to close.

3

     (d) The principal of and premium, if any, and interest on and Additional Amounts, if any, payable in respect of the 2024 Senior Notes shall be payable in Pounds Sterling.

     (e) In accordance with Section 2.01(14) of the Original Indenture and for the purposes of the definition of “Outstanding” in Section 1.01 of the Original Indenture, the principal amount of a 2024 Senior Note that shall be deemed Outstanding as of any date of calculation shall be the equivalent in Dollars determined as of such calculation date by using the rate of exchange quoted by Reuters at 10:00 a.m. (New York time) for spot purchases of Dollars with the Foreign Currency, including any premiums payable and costs of exchange.

     (f) All payments of principal (and Redemption Price as defined in Section 6 of the Form of 2024 Senior Note, or Tax Redemption Price, as defined in Section 7(b) of the Form of 2024 Senior Note, if any) of, interest on and Additional Amounts, if any, in respect of the 2024 Senior Notes will be made upon surrender of the 2024 Senior Notes at the office or agency of J.P. Morgan Trust Company, National Association which will be the U.S. Paying Agent in the Borough of Manhattan, The City of New York, at the main office in London, England of JPMorgan Chase Bank, N.A., London branch which will be the London Paying Agent and, for so long as the 2024 Senior Notes are listed on the Irish Stock Exchange, at the main office in Dublin, Ireland, of J.P. Morgan Bank (Ireland) plc which will be the Irish Paying Agent in Dublin, Ireland.

     (g) The principal of and interest on the 2024 Senior Notes shall be paid in such coin or currency of the United Kingdom as at the time of payment is legal tender for payment of public and private debts. Payments of interest (including interest and any Additional Amounts on any Interest Payment Date) will be made, subject to such surrender where applicable, at the option of the Company, (i) by check mailed to the address of the Person entitled thereto as such address shall appear in the Security Register or (ii) by wire transfer at such place and to such account at a banking institution in the United Kingdom as may be designated in writing to the Trustee at least 15 days prior to the date for payment by the Person entitled thereto.

     (h) Pursuant to Sections 2.05(b) and 4.03 of the Original Indenture and Section 2.05 of this Eleventh Supplemental Indenture, J.P. Morgan Trust Company, National Association will be the registrar, U.S. paying agent and U.S. transfer agent for the 2024 Senior Notes, JPMorgan Chase Bank, N.A., London branch will be the London paying agent and transfer agent for the 2024 Senior Notes and J.P. Morgan Bank (Ireland) plc will be the Irish paying agent and transfer agent for the 2024 Senior Notes.

SECTION 1.04. Denominations.

     The 2024 Senior Notes may be issued in denominations of £50,000, or whole multiples of £1,000 in excess of £50,000.

SECTION 1.05. Global Securities.

     (a) The 2024 Senior Notes will be issued in the form of one or more Global Securities registered in the name of Chase Nominees Limited, as nominee of the common depositary, JPMorgan Chase Bank, N.A., London branch (the “Common Depositary”), for Clearstream Banking, societé anonyme, Luxembourg, and Euroclear Bank S.A./N.V. Except

4

under the limited circumstances described below, 2024 Senior Notes represented by Global Securities will not be exchangeable for, and will not otherwise be issuable as, 2024 Senior Notes in definitive form. The Global Securities described above may not be transferred except by the Common Depositary to a nominee of the Common Depositary or by a nominee of the Common Depositary or the Common Depositary or another nominee of the Common Depository or to a successor Common Depositary or its nominee.

     (b) Except as otherwise provided in this Eleventh Supplemental Indenture, owners of beneficial interests in such Global Securities will not be considered the holders thereof for any purpose under the Indenture, and no Global Security representing a 2024 Senior Note shall be exchangeable, except for another Global Security of like denomination and tenor to be registered in the name of the Common Depositary or its nominee or to a successor Common Depositary or its nominee. The rights of holders of such Global Securities shall be exercised only through the Common Depositary.

     (c) A Global Security shall be exchangeable for 2024 Senior Notes registered in the names of Persons other than the Common Depositary or its nominee only as provided by Section 2.11(c) of the Original Indenture. Any Global Security that is exchangeable pursuant to the preceding sentence shall be exchangeable for 2024 Senior Notes registered in such names as the Common Depositary shall direct.

SECTION 1.06. Transfer.

     No service charge will be made for any registration of transfer or exchange of 2024 Senior Notes, but payment will be required of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection therewith.

SECTION 1.07. Defeasance.

     The provisions of Sections 13.02 and 13.03 of the Original Indenture will apply to the 2024 Senior Notes.

SECTION 1.08. Redemption at the Option of the Company.

     (a) The 2024 Senior Notes will be redeemable at the option of the Company, in whole at any time or in part from time to time pursuant to Section 6 of the Form of 2024 Senior Note. The Company may also redeem the 2024 Senior Notes upon the occurrence of certain tax events pursuant to Section 7(b) of the Form of 2024 Senior Note.

     (b) Notwithstanding Section 3.02 of the Original Indenture, the notice of redemption with respect to the redemption specified in Section 6 of the Form of 2024 Senior Note need not set forth the redemption price, but only the manner of calculation thereof. Notices of redemption of 2024 Senior Notes shall state that payment of the redemption price of such Securities to be redeemed shall be made at the offices or agencies of the Company set forth in Section 1.03(f) of this Eleventh Supplemental Indenture and shall specify the ISIN No. and Common Code of such Securities.

SECTION 1.09. Notices.

5

     If the Company is required to give notice to the holders of the 2024 Senior Notes pursuant to the terms of the Indenture, then it shall do so by the means and in the manner set forth in the Original Indenture. In addition, the Trustee shall publish notices regarding the 2024 Senior Notes in a daily newspaper of general circulation in The City of New York and in London and, for so long as the 2024 Senior Notes are listed on the Irish Stock Exchange and the rules of such exchange require notice by publication, in a daily newspaper of general circulation in Dublin, Ireland. Initially, such publication shall be made in The City of New York in The Wall Street Journal, in London in the Financial Times and in Ireland in the Irish Times. If publication in Dublin, Ireland is not practical, the Trustee will publish notices in an English language newspaper of general circulation elsewhere in Europe. Any such notice shall be deemed to have been given on the date of publication or, if published more than once, on the date of the first publication. If publication as described above becomes impossible, the Trustee may publish sufficient notice by alternative means that approximate the terms and conditions described in this Section 1.09.

ARTICLE II

MATTERS RELATING TO SECURITIES DENOMINATED IN A FOREIGN CURRENCY

SECTION 2.01. Currency Indemnity.

     The Company agrees, to the fullest extent that it may effectively do so under applicable law, that (a) if for the purpose of obtaining judgment in any court it is necessary to convert the sum due in respect of the principal of, or premium or interest, if any, on or Additional Amounts, if any, in respect of, the 2024 Senior Notes (the “Required Currency”) into a currency in which a judgment will be rendered (the “Judgment Currency”), the rate of exchange used shall be the rate at which in accordance with normal banking procedures the Trustee could purchase in The City of New York the requisite amount of the Required Currency with the Judgment Currency on the New York Banking Day preceding the day on which a final unappealable judgment is given and (b) its obligations under the Indenture to make payments in the Required Currency (i) shall not be satisfied or discharged by any tender, or any recovery pursuant to any judgment (whether or not entered in accordance with clause (a)), in any currency other than the Required Currency, except to the extent that such tender or recovery shall result in the actual receipt, by the payee, of the full amount of the Required Currency expressed to be payable in respect of such payments, (ii) shall be enforceable as an alternative or additional cause of action for the purpose of recovering in the Required Currency the amount, if any, by which such actual receipt shall fall short of the full amount of the Required Currency so expressed to be payable and (iii) shall not be affected by judgment being obtained for any other sum due under the Indenture. For purposes of the foregoing, “New York Banking Day” means any day except a Saturday, Sunday or a legal holiday in The City of New York or a day on which banking institutions in The City of New York are authorized or obligated by law, regulation or executive order to be closed.

SECTION 2.02. Satisfaction and Discharge.

     Whenever a payment, deposit or transfer is required to be made under the Indenture in respect of the 2024 Senior Notes, the Company’s obligation to make such payment, deposit or transfer shall not be satisfied or discharged unless and until such payment, deposit or transfer

6

shall be made in the Foreign Currency in which the 2024 Senior Notes are then payable including, without limitation, principal (whether at the Stated Maturity of the 2024 Senior Notes, upon redemption or otherwise) of, premium, if any, and interest on, and Additional Amounts, if any, in respect of any 2024 Senior Note.

SECTION 2.03. Defeasance and Covenant Defeasance.

     (a) Without limiting the provisions of Section 2.02 of this Eleventh Supplemental Indenture, but subject to the provisions of subsection (b) of this Section 2.03, all deposits, if any, of money made under Articles XI (Satisfaction and Discharge) and XIII (Defeasance and Covenant Defeasance) of the Original Indenture shall be made by the Company in the Foreign Currency in which the 2024 Senior Notes are then payable.

     (b) If, after a deposit referred to in Section 13.04(1) of the Original Indenture has been made in respect of 2024 Senior Notes, a Conversion Event occurs in respect of the Foreign Currency in which the deposit pursuant to Section 13.04(1) has been made, the indebtedness represented by such 2024 Senior Notes shall be deemed to have been, and will be, fully satisfied and discharged through the payment of the principal of (and premium, if any), and interest, if any, on, and Additional Amounts, if any, with respect to, such Securities as the same becomes due out of the proceeds yielded by converting the amount or other property deposited in respect of such Securities into the Foreign Currency in which such Securities become payable as a result of such Conversion Event based on the applicable market exchange rate for such Foreign Currency in effect (as nearly as feasible) at the time of such Conversion Event.

     (c) The term “Governmental Obligations”, when used with respect to the 2024 Senior Notes shall mean securities that are (i) direct obligations of the United States of America or the other government or governments or confederation or association of governments which issued the Foreign Currency in which the principal of or any premium or interest on such Securities or any Additional Amounts in respect thereof shall be payable, in each case for the payment or payments of which the full faith and credit of such government or governments or confederation or association of governments are pledged or (ii) obligations of a Person controlled or supervised by and acting as an agency or instrumentality of the United States of America or such other government or governments or confederation or association of governments, in each case the timely payment or payments of which are unconditionally guaranteed as a full faith and credit obligation by the United States of America or such other government or governments or confederation or association of governments, and which, in the case of (i) or (ii), are not callable or redeemable at the option of the issuer or issuers thereof, and shall also include a depository receipt issued by a bank (as defined in Section 3(a)(2) of the Securities Act of 1933, as amended) as custodian with respect to any such Governmental Obligation or a specific payment of principal of, or interest on, or other amount with respect to any such Governmental Obligation held by such custodian for the account of the holder of a depository receipt; provided, however, that (except as required by law) such custodian is not authorized to make any deduction from the amount payable to the holder of such depository receipt from any amount received by the custodian in respect of the Governmental Obligation or the specific payment of principal of, or interest on or other amount with respect to the Governmental Obligation evidenced by such depository receipt.

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SECTION 2.04. Distributions.

     Whenever the Indenture provides for distributions to holders of Securities, any amount in respect of any 2024 Senior Note denominated in a Foreign Currency shall be treated for any such distribution as the equivalent in Dollars determined as of the record date with respect to such 2024 Senior Notes for such distribution (or if there is no applicable record date, such other date reasonably proximate to the date of such distribution) by using the rate of exchange quoted by Reuters at 10:00 a.m. (New York time) for spot purchases of Dollars with the Foreign Currency, including any premiums payable and costs of exchange.

SECTION 2.05. Undertakings.

     (a) If the 2024 Senior Notes are listed on the Irish Stock Exchange and such stock exchange shall so require, the Company will maintain a Paying Agent for such Securities in Dublin, Ireland, or any other required city located in Ireland, for so long as such Securities are listed on such exchange and, subject to any laws or regulations applicable thereto, in a Place of Payment for such Securities located in Ireland, an office for registration of transfer or exchange of such Securities.

     (b) J.P. Morgan Trust Company, National Association is hereby appointed the Calculation Agent in respect of the 2024 Senior Notes. As long as the 2024 Senior Notes are subject to redemption at the option of the Company pursuant to Section 6 of the Form of 2024 Senior Note, the Company shall maintain a Calculation Agent for such Securities to perform the duties described in said Section 6.

SECTION 2.06. Conversion Event.

     If at any time prior to the maturity of the 2024 Senior Notes, there is a Conversion Event such that the United Kingdom adopts the euro as its lawful currency in accordance with the Treaty establishing the European Communities, as amended from time to time, the 2024 Senior Notes shall be re-denominated into euro, the regulations of the European Commission relating to the euro shall apply to the 2024 Senior Notes and the references in, and obligations arising under, the Indenture expressed in Pounds Sterling shall be translated into euro at the official rate of exchange recognized for that purpose by the Bank of England on the date of such Conversion Event or such other date reasonably proximate to such Conversion Event.

ARTICLE III

MATTERS RELATING TO ADDITIONAL AMOUNTS

SECTION 3.01. Additional Amounts.

     For the purposes of the Original Indenture, as supplemented by this Eleventh Supplemental Indenture, all references in the Indenture and the 2024 Senior Notes to interest payable on the 2024 Senior Notes shall be deemed to include references to Additional Amounts, if any, payable in respect of the 2024 Senior Notes.

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ARTICLE IV

MISCELLANEOUS PROVISIONS

SECTION 4.01. Recitals by the Company.

     The recitals in this Eleventh Supplemental Indenture are made by the Company only and not by the Trustee, and all of the provisions contained in the Original Indenture in respect of the rights, privileges, immunities, powers and duties of the Trustee shall be applicable in respect of the 2024 Senior Notes and of this Eleventh Supplemental Indenture as fully and with like effect as if set forth herein in full.

SECTION 4.02. Ratification and Incorporation of Original Indenture.

     As supplemented hereby, the Original Indenture is in all respects ratified and confirmed, and the Original Indenture and this Eleventh Supplemental Indenture shall be read, taken and construed as one and the same instrument.

SECTION 4.03. Executed in Counterparts.

     This Eleventh Supplemental Indenture may be simultaneously executed in several counterparts, each of which shall be deemed to be an original, and such counterparts shall together constitute but one and the same instrument.

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     IN WITNESS WHEREOF, each party hereto has caused this instrument to be signed in its name and behalf by its duly authorized officers, all as of the day and year first above written.

METLIFE, INC.
By:	/s/ Anthony J. Williamson
	Name:	Anthony J. Williamson
	Title:	Senior Vice President and Treasurer
J.P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION
By:	/s/ J. Michael Banas
	Name:	J. Michael Banas
	Title:	Vice President

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EXHIBIT A

Form of 5.375% Senior Note Due December 9, 2024

     THIS NOTE IS A GLOBAL SECURITY WITHIN THE MEANING OF THE ORIGINAL INDENTURE HEREINAFTER REFERRED TO. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF CLEARSTREAM BANKING, SOCIETÉ ANONYME LUXEMBOURG (“CLEARSTREAM”) OR EUROCLEAR BANK S.A./N.V. (“EUROCLEAR”) TO METLIFE, INC. OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CHASE NOMINEES LIMITED, AS NOMINEE OF THE COMMON DEPOSITARY, JPMORGAN CHASE BANK, N.A., LONDON BRANCH (THE “COMMON DEPOSITARY”) OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF CLEARSTREAM OR EUROCLEAR (AND ANY PAYMENT IS MADE TO CHASE NOMINEES LIMITED OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF CLEARSTREAM OR EUROCLEAR), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CHASE NOMINEES LIMITED, HAS AN INTEREST HEREIN.

     EXCEPT AS OTHERWISE PROVIDED IN SECTION 2.11 OF THE ORIGINAL INDENTURE (AS DEFINED HEREIN), THIS NOTE MAY BE TRANSFERRED IN WHOLE, BUT NOT IN PART, ONLY TO ANOTHER NOMINEE OF CLEARSTREAM OR EUROCLEAR OR TO A SUCCESSOR DEPOSITARY OR TO A NOMINEE OF SUCH SUCCESSOR DEPOSITARY.

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No.            ISIN No.: XS0207636712

Common Code: 020763671

METLIFE, INC.
5.375% Senior Note
Due December 9, 2024

Principal Amount:	£
Regular Record Date:	With respect to each Interest Payment Date, the close of business on the preceding November 30
Original Issue Date:	December 9, 2004
Stated Maturity:	December 9, 2024
Interest Payment Date:	December 9, commencing December 9, 2005
Interest Rate:	5.375% per year
Authorized Denomination:	£50,000

     MetLife, Inc., a Delaware corporation (the “Company,” which term includes any successor corporation under the Indenture referred to on the reverse hereof), for value received, hereby promises to pay to           , or registered assigns, the principal sum of            POUNDS STERLING (£          ) on the Stated Maturity shown above, and to pay interest thereon from the Original Issue Date shown above, or from the most recent Interest Payment Date to which interest has been paid or duly provided for, annually in arrears on each Interest Payment Date as specified above, commencing on December 9, 2005, and on the Stated Maturity at the rate per year shown above until the principal hereof is paid or made available for payment and on any overdue principal and on any overdue installment of interest to the extent permitted by law. The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date (other than an Interest Payment Date that is the Stated Maturity) will, as provided in the Indenture, be paid to the Person in whose name this Note is registered at the close of business on the Regular Record Date as specified above next preceding such Interest Payment Date, provided that any interest payable at Stated Maturity will be paid to the Person to whom principal is payable. Any such interest that is not so punctually paid or duly provided for will forthwith cease to be payable to the holders on such Regular Record Date and may be paid as provided in Section 2.03 of the Original Indenture.

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     Payments of interest on this Note will include interest accrued to but excluding the respective Interest Payment Dates. Interest payments for this Note shall be computed and paid on an Actual/Actual (ISMA) day fraction basis. Actual/Actual (ISMA) means that interest on this Note shall be calculated on the basis of (a) the actual number of days in the period from and including the last Interest Payment Date (or the Original Issue Date with respect to the first Interest Payment Date) to but excluding the date on which the Interest Payment Date falls divided by (b) the product of (x) the actual number of days in the period from and including the last Interest Payment Date (or the Original Issue Date with respect to the first Interest Payment Date) to but excluding the date on which the Interest Payment Date falls and (y) the number of Interest Payment Dates per year. In the event that any date on which interest is payable on this Note is not a Business Day, then payment of the interest payable on such date will be made on the next succeeding day that is a Business Day (and without any interest or other payment in respect of any such delay), except that, if such Business Day is in the next succeeding calendar year, payment shall be made on the immediately preceding Business Day, in each case with the same force and effect as if made on the date the payment was originally payable. The term “Business Day” means any day, other than a day on which federal or state banking institutions in London or the Borough of Manhattan, The City of New York, are authorized or obligated by law, executive order or regulation to close.

     Payment of the principal and interest due at the Stated Maturity of this Note shall be made upon surrender of this Note at the office or agency of any of the U.S. Paying Agent (as defined herein) in the Borough of Manhattan, The City of New York, the London Paying Agent (as defined herein) in London and, for so long as the Notes are listed on the Irish Stock Exchange, the Irish Paying Agent (as defined herein) in Dublin, Ireland. The principal of and interest on this Note shall be paid in such coin or currency of the United Kingdom as at the time of payment is legal tender for payment of public and private debts. Payment of interest (including interest on an Interest Payment Date) will be made, subject to such surrender where applicable, at the option of the Company, (i) by check mailed to the address of the Person entitled thereto as such address shall appear in the Security Register or (ii) by wire transfer at such place and to such account at a banking institution in the United Kingdom as may be designated in writing to the Trustee at least 15 days prior to the date for payment by the Person entitled thereto.

     The Senior Notes (as defined herein) will be unsecured obligations of the Company and will rank equally in right of payment with all of the other unsecured, unsubordinated indebtedness of the Company from time to time outstanding. The Senior Notes will rank senior to any subordinated indebtedness of the Company.

     REFERENCE IS HEREBY MADE TO THE FURTHER PROVISIONS OF THIS NOTE SET FORTH ON THE REVERSE HEREOF, WHICH FURTHER PROVISIONS SHALL FOR ALL PURPOSES HAVE THE SAME EFFECT AS IF SET FORTH AT THIS PLACE.

     Unless the certificate of authentication hereon has been executed by the Trustee by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.

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     IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed under its corporate seal.

METLIFE, INC.
By:
	Name:
	Title:

Attest:

Name:

Title:

[Seal of MetLife, Inc.]

CERTIFICATE OF AUTHENTICATION

     This is one of the 5.375% Senior Notes due December 9, 2024 referred to in the within-mentioned Indenture.

J.P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee
By:
	Authorized Officer

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(Reverse Side of Note)

     1. This Note is one of a duly authorized series of senior notes of the Company issued and issuable in one or more series under an Indenture dated as of November 9, 2001 (the “Original Indenture”), as supplemented by the Eleventh Supplemental Indenture dated as of December 9, 2004 (the “Eleventh Supplemental Indenture”) and, together with the Original Indenture, the “Indenture”), between the Company and J.P. Morgan Trust Company, National Association (as successor to Bank One Trust Company, N.A.), as Trustee (the “Trustee,” which term includes any successor trustee under the Indenture), to which Indenture and all indentures incidental thereto reference is hereby made for a statement of the respective rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and the holders of the Senior Notes issued thereunder and of the terms upon which said Senior Notes are, and are to be, authenticated and delivered. This Note is one of the series designated on the face hereof as 5.375% Senior Notes due December 9, 2024 (the “Senior Notes”), initially limited in aggregate principal amount of £350,000,000; provided, however, that the aggregate principal amount of the Senior Notes may be increased in the future, without the consent of the holders of the Senior Notes, on the same terms and with the same ISIN number and Common Code as the Senior Notes. Capitalized terms used herein for which no definition is provided herein shall have the meanings set forth in the Indenture.

     2. This Note is exchangeable in whole or from time to time in part for Senior Notes of this series in definitive registered form only as provided herein and in the Indenture. If (i) at any time the Common Depositary notifies the Company that it is unwilling or unable to continue as Common Depositary for this Note, and the Company does not appoint a successor Depositary within 90 days after the Company receives such notice or becomes aware of such condition, as the case may be, or (ii) the Company in its sole discretion determines that this Note shall be exchangeable for Senior Notes of this series in definitive registered form and executes and delivers to the Security Registrar a written order of the Company providing that this Note shall be so exchangeable, this Note shall be exchangeable for Senior Notes of this series in definitive registered form, provided that the definitive Senior Notes so issued in exchange for this Note shall be in denominations of £50,000 and any whole multiples of £1,000 in excess of £50,000, without coupons, and be of like aggregate principal amount and tenor as the portion of this Note to be exchanged. Except as provided above, owners of beneficial interests in this Note will not be entitled to have Senior Notes registered in their names, will not receive or be entitled to physical delivery of Senior Notes in definitive registered form and will not be considered the holders thereof for any purpose under the Indenture. Neither the Company, the Trustee, any Paying Agent nor the Security Registrar shall have any responsibility or liability for any aspect of records relating to or payments made on account of beneficial ownership interests in this Note, or for maintaining, supervising or reviewing any records relating to such beneficial ownership interests.

     3. If an Event of Default with respect to the Senior Notes shall occur and be continuing, the principal of the Senior Notes may be declared due and payable in the manner, with the effect and subject to the conditions provided in the Indenture.

     4. The Indenture permits, with certain exceptions as therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the

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rights of the holders of the Senior Notes under the Indenture at any time by the Company and the Trustee with the consent of the holders of not less than a majority in aggregate principal amount of the Senior Notes at the time Outstanding. The Indenture also contains provisions permitting the holders of specified percentages in principal amount of the Senior Notes at the time Outstanding, on behalf of the holders of all Senior Notes, to waive compliance by the Company with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the holder of this Note shall be conclusive and binding upon such holder and upon all future holders of this Note and of any Senior Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof, whether or not notation of such consent or waiver is made upon this Note.

     5. The Indenture contains provisions for defeasance at any time of (a) the entire indebtedness of the Company pursuant to this Note and (b) restrictive covenants and the related Events of Default, upon compliance by the Company with certain conditions set forth therein, which provisions apply to this Note.

     6. (a) The Senior Notes will be redeemable, at the option of the Company, in whole at any time or in part from time to time (a “Redemption Date”), at a redemption price (the “Redemption Price”) equal to the greater of (i) 100% of the principal amount of the Senior Notes to be redeemed and (ii) as determined by the Calculation Agent, the price at which the yield on the Outstanding principal amount of the Senior Notes on the Reference Date is equal to the yield on the Benchmark Gilt as of that date as determined by reference to the middle-market price on the Benchmark Gilt at 3:00 p.m., London time, on that date, plus, in each case, accrued and unpaid interest on the Senior Notes to be redeemed to, but excluding, the Redemption Date.

     “Benchmark Gilt” means the 5% Treasury Stock due March 7, 2025 or such other U.K. government stock as the Calculation Agent, with the advice of three brokers and/or U.K. gilt-edged market makers or three other persons operating in the U.K. gilt-edged market that may be chosen by the Calculation Agent, may determine from time to time to be the most appropriate benchmark U.K. government stock for the Senior Notes.

     “Calculation Agent” means J.P. Morgan Trust Company, National Association, or any successor entity.

     “Reference Date” means the date that is the first dealing day in London prior to the publication of the notice of redemption referred to in Section 6(b) below.

     (b) Not less than 30 days but not more than 90 days before the Redemption Date, notice of any redemption will be mailed to each holder of the Senior Notes to be redeemed and published as provided in Section 12 hereof.

     (c) If less than all the Senior Notes at the time Outstanding are to be redeemed, the Trustee will select the Senior Notes or portions of Senior Notes to be redeemed in compliance with the rules and requirements of the Irish Stock Exchange or the principal securities exchange, if any, on which the Senior Notes are listed, or, if the Senior Notes are not so listed or that exchange prescribes no method of selection, by such method as the Trustee deems fair and appropriate. If this Note is to be redeemed in part only, the notice of redemption relating to this

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Note will state the portion of the principal amount hereof to be redeemed. A new Senior Note in principal amount equal to the unredeemed portion hereof shall be issued and delivered to the Trustee, or its nominee, upon cancellation of this Note. The Trustee may select for redemption Senior Notes and portions of Senior Notes in amounts of £50,000 and whole multiples of £1,000 in excess of £50,000.

     (d) Unless the Company defaults in payment of the Redemption Price of the Senior Notes, on and after the Redemption Date interest shall cease to accrue on this Note or the portion hereof called for redemption.

     (e) On or before the opening of business on any Redemption Date, the Company shall deposit with the Trustee or with the U.S. Paying Agent (as defined herein), the London Paying Agent (as defined herein) or the Irish Paying Agent (as defined herein) or, if the Company is acting as its own paying agent, segregate and hold in trust as provided in the Original Indenture, an amount of money sufficient to pay the Redemption Price of, and except if the Redemption Date shall be an Interest Payment Date, accrued but unpaid interest on, the Senior Notes to be redeemed on the Redemption Date.

     7. (a) The Company shall pay to the beneficial owner of this Note who is a Non-U.S. Person (as defined below) such additional amounts as may be necessary so that every net payment of principal of and interest on this Note to such beneficial owner, after deduction or withholding for or on account of any present or future tax, assessment or other governmental charge imposed upon such beneficial owner by the United States of America or any taxing authority thereof or therein, will not be less than the amount provided in this Note to be then due and payable (such amounts, the “Additional Amounts”); provided, however, that the Company shall not be required to make any payment of Additional Amounts for or on account of:

     (i) any tax, assessment or other governmental charge that would not have been imposed but for (A) the existence of any present or former connection between such beneficial owner, or between a fiduciary, settlor, beneficiary of, member or shareholder of, or possessor of a power over, such beneficial owner, if such beneficial owner is an estate, trust, partnership or corporation, and the United States including, without limitation, such beneficial owner, or such fiduciary, settlor, beneficiary, member, shareholder or possessor, being or having been a citizen or resident of the United States of America or treated as a resident thereof or being or having been engaged in trade or business or present in the United States of America, or (B) the presentation of this Note for payment on a date more than 30 days after the later of (x) the date on which such payment becomes due and payable and (y) the date on which payment thereof is duly provided for;

     (ii) any estate, inheritance, gift, sales, transfer, excise, personal property or similar tax, assessment or other governmental charge;

     (iii) any tax, assessment or other governmental charge imposed by reason of such beneficial owner’s past or present status as a passive foreign investment company, a controlled foreign corporation, a personal holding company or foreign personal holding company with respect to the United States of America, or as a corporation which accumulates earnings to avoid United States federal income tax;

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     (iv) any tax, assessment or other governmental charge which is payable otherwise than by withholding from payment of principal of or interest on this Note;

     (v) any tax, assessment or other governmental charge required to be withheld by any paying agent from any payment of principal of or interest on this Note if that payment can be made without withholding by any other paying agent;

     (vi) any tax, assessment or other governmental charge which would not have been imposed but for the failure to comply with certification, information, documentation or other reporting requirements concerning the nationality, residence, identity or connections with the United States of America of the beneficial owner or any holder of this Note, if such compliance is required by statute or by regulation of the U.S. Treasury Department as a precondition to relief or exemption from such tax, assessment or other governmental charge;

     (vii) any tax, assessment or other governmental charge imposed on interest received by (A) a 10% shareholder (as defined in Section 871(h)(3)(B) of the U.S. Internal Revenue Code of 1986, as amended (the “Code”), and the regulations that may be promulgated thereunder) of the Company or (B) a controlled foreign corporation with respect to the Company within the meaning of the Code;

     (viii) any withholding or deduction that is imposed on a payment to an individual and is required to be made pursuant to that European Union Directive relating to the taxation of savings adopted on June 3, 2003 by the European Union’s Economic and Financial Affairs Council, or any law implementing or complying with, or introduced in order to conform to, such Directive; or

     (ix) any combination of items (i), (ii), (iii), (iv), (v), (vi), (vii) and (viii) in this Section 7(a);

nor shall any Additional Amounts be paid to any beneficial owner or holder of this Note who is a fiduciary or partnership to the extent that a beneficiary or settlor with respect to that fiduciary, or a member of such partnership or a beneficial owner thereof would not have been entitled to the payment of those Additional Amounts had that beneficiary, settlor, member or beneficial owner been the beneficial owner of this Note.

     “Non-U.S. Person” means any corporation, partnership, individual or fiduciary that is, as to the United States of America, a foreign corporation, a non-resident alien individual who has not made a valid election to be treated as a United States resident, a non-resident fiduciary of a foreign estate or trust, or a foreign partnership one or more of the members of which is, as to the United States of America, a foreign corporation, a non-resident alien individual or a non-resident fiduciary of a foreign estate or trust.

     (b) The Senior Notes may be redeemed at the option of the Company in whole, but not in part, on a date (such date, the “Tax Redemption Date”) to be fixed by the Company upon at least 30 days, but not more than 90 days’ notice, at a redemption price equal to 100% of the principal amount of the Senior Notes (the “Tax Redemption Price”) plus accrued but unpaid interest, if any, thereon, if the Company determines that as a result of any change in or amendment

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to the laws, treaties, regulations or rulings of the United States of America or any political subdivision or taxing authority thereof, or any proposed change in such laws, treaties, regulations or rulings, or any change in the official application, enforcement or interpretation of such laws, treaties, regulations or rulings, including a holding by a court of competent jurisdiction in the United States of America, or any other action (except for an action predicated on law generally known on or before December 1, 2004 but excluding proposals before the U.S. Congress before such date) taken by any taxing authority or a court of competent jurisdiction in the United States of America, or the official proposal of any such action, whether or not such action or proposal was taken or made with respect to the Company, (1) the Company has or will become obligated to pay Additional Amounts or (2) there is a substantial possibility that the Company will be required to pay such Additional Amounts.

     Prior to the publication of any notice of redemption pursuant to Section 12 hereof, the Company shall deliver to the Trustee (1) an Officers’ Certificate stating that the Company is entitled to effect such redemption and setting forth a statement of facts showing that the conditions precedent to the rights of the Company to so redeem have occurred and (2) an Opinion of Counsel (who shall not be an employee of the Company) to such effect based on such statement of facts.

     If the Company elects to redeem the Senior Notes pursuant to this Section 7(b), then it shall give notice to the holders pursuant to Section 12 hereof.

     On or before the opening of business on any Tax Redemption Date, the Company shall deposit with the Trustee or with the U.S. Paying Agent, London Paying Agent or the Irish Paying Agent or, if the Company is acting as its own paying agent, segregate and hold in trust as provided in the Original Indenture, an amount of money sufficient to pay the Tax Redemption Price of, and except if such Tax Redemption Date shall be an Interest Payment Date, accrued but unpaid interest on, the Senior Notes to be redeemed on such Tax Redemption Date.

     The notice of redemption having been given as specified above, the Senior Notes shall, on the Tax Redemption Date, become due and payable at the Tax Redemption Price, and from and after such date, unless the Company shall default in the payment of the Tax Redemption Price and accrued but unpaid interest, if any, the Senior Notes shall cease to bear interest. Upon surrender of the Senior Notes for redemption in accordance with such notice, the Notes shall be paid by the Company at the Tax Redemption Price, together with accrued but unpaid interest, if any, to the Tax Redemption Date.

     8. If, prior to the maturity of the Senior Notes, the United Kingdom adopts the euro as its lawful currency in accordance with the Treaty establishing the European Communities, as amended from time to time, the Senior Notes will be re-denominated into euro, and the regulations of the European Commission relating to the euro shall apply to the Senior Notes.

     9. No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation of the Company, which is absolute and unconditional, to pay the principal of and interest on this Note at the time, place and rate, and in the coin or currency, herein prescribed.

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     10. (a) As provided herein and in the Indenture and subject to certain limitations herein and therein set forth, the transfer of this Note is registrable in the Security Register, upon surrender of this Note for registration of transfer or exchange either at the office or agency to be designated and maintained by the Company for such purpose in the Borough of Manhattan, The City of New York or in London or, so long as the Notes are listed on the Irish Stock Exchange, in Dublin, Ireland, or at any of such other offices or agencies as may be designated and maintained by the Company for such purpose pursuant to the provisions of the Indenture, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Company or the Security Registrar and duly executed by, the holder hereof or his attorney duly authorized in writing, and thereupon one or more new Senior Notes, of authorized denominations and of like tenor and for the same aggregate principal amount, will be issued to the designated transferee or transferees. No service charge shall be made for any such exchange or registration of transfer, but the Company will require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

     (b) Prior to due presentment of this Note for registration of transfer, the Company, the Trustee, and any agent of the Company or of the Trustee may deem and treat the Person in whose name this Note is registered as the absolute owner of this Note (whether or not the Senior Notes shall be overdue and notwithstanding any notation of ownership or other writing hereon made by anyone other than the Security Registrar), for the purpose of receiving payments hereon, or on account hereof, and for all other purposes, and neither the Company nor the Trustee nor any agent of the Company or of the Trustee shall be affected by any notice to the contrary. All such payments made to or upon the order of such holder shall, to the extent of the amount or amounts paid, effectually satisfy and discharge liability for moneys payable on this Note.

     (c) The Senior Notes are issuable only in registered form without coupons in denominations of £50,000 and whole multiples of £1,000 in excess of £50,000. As provided in the Indenture and subject to certain limitations therein set forth, Senior Notes are exchangeable for a like aggregate principal amount of Senior Notes of a different authorized denomination, as requested by the holder surrendering the same upon surrender of the Senior Note or Senior Notes to be exchanged at the office or agency of the Company.

     (d) Notwithstanding the preceding paragraphs of this Section 10, any registration of transfer or exchange of a Global Note shall be subject to the terms of the legend appearing on the initial page thereof.

     11. J.P. Morgan Trust Company, National Association is hereby appointed the registrar for the purpose of registering the Senior Notes and transfers and exchanges of the Senior Notes pursuant to the Indenture and this Note (the “Security Registrar”), paying agent pursuant to Section 4.03 of the Original Indenture (the “U.S. Paying Agent”) and transfer agent (the “U.S. Transfer Agent”) with respect to the Senior Notes in the United States at its offices in the Borough of Manhattan, The City of New York.

     JPMorgan Chase Bank, N.A., London branch is hereby appointed paying agent pursuant to Section 4.03 of the Original Indenture (the “London Paying Agent”) and transfer agent (the “London Transfer Agent”) with respect to the Senior Notes in the United Kingdom at its offices in London.

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     J.P. Morgan Bank (Ireland) plc has been appointed, in connection with the listing of the Senior Notes on the Irish Stock Exchange, the paying agent pursuant to Section 4.03 of the Original Indenture (the “Irish Paying Agent”), and the transfer agent (the “Irish Transfer Agent”) with respect to the Senior Notes in Ireland.

     If for any reason J.P. Morgan Bank (Ireland) plc shall not continue as Irish Paying Agent or Irish Transfer Agent and the Senior Notes remain listed on the Irish Stock Exchange, the Company shall appoint a substitute Irish Paying Agent or Irish Transfer Agent, as the case may be, with an office in Ireland, in accordance with the rules then in effect of the Irish Stock Exchange and the provisions of the Indenture, including Section 2.05 of the Eleventh Supplemental Indenture, and the Senior Notes. Following the appointment of the substitute Irish Paying Agent or Irish Transfer Agent, as the case may be, the Company shall give the holders of the Senior Notes notice of such appointment pursuant to Section 12 hereof.

     12. If the Company is required to give notice to the holders of the Senior Notes pursuant to the terms of the Indenture, then it shall do so by the means and in the manner set forth in the Original Indenture.

     In addition, the Trustee shall publish notices regarding the Senior Notes in a daily newspaper of general circulation in The City of New York and in London and, for so long as the Senior Notes are listed on the Irish Stock Exchange and the rules of such exchange require notice by publication, in a daily newspaper of general circulation in Dublin, Ireland. Initially, such publication shall be made in The City of New York in The Wall Street Journal, in London in the Financial Times and in Ireland in the Irish Times. If publication in Dublin, Ireland is not practical, the Trustee will publish notices in an English language newspaper of general circulation elsewhere in Europe. Any such notice shall be deemed to have been given on the date of publication or, if published more than once, on the date of the first publication. If publication as described above becomes impossible, the Trustee may publish sufficient notice by alternative means that approximate the terms and conditions described in this Section 12.

     13. No recourse shall be had for payment of the principal of or interest on this Note, or for any claim based hereon, or otherwise in respect hereof, or based on or in respect of the Indenture, against any incorporator, stockholder, officer or director, past, present or future, as such, of the Company or of any predecessor or successor corporation, whether by virtue of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise, all such liability being, by the acceptance hereof and as part of the consideration for the issuance hereof, expressly waived and released.

     14. Unless the certificate of authentication hereon has been executed by the Trustee by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose.

     15. This Note shall be governed by, and construed in accordance with, the internal laws of the State of New York.

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ABBREVIATIONS

     The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

TEN COM	- as tenants in common	UNIF GIFT MIN ACT — Custodian under Uniform Gift to Minors Act
		(State)
TEN ENT	- as tenants by the entireties
JT TEN	- as joint tenants with right of survivorship and not as tenants in common

Additional abbreviations may also be used
though not on the above list.

FOR VALUE RECEIVED, the undersigned hereby sell(s) and transfer(s) unto

PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING POSTAL ZIP CODE OF ASSIGNEE

(please insert Social Security or other identifying number of assignee)

the within Note and all rights thereunder, hereby irrevocably constituting and appointing

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agent to transfer said Note on the books of the Company, with full power of substitution in the premises.

Dated:
	NOTICE: The signature to this assignment must correspond with the name as written upon the face of the within instrument in every particular without alteration or enlargement, or any change whatever.

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EXHIBIT B

CERTIFICATE OF AUTHENTICATION

     This is one of the 5.375% Senior Notes due December 9, 2024 referred to in the within-mentioned Indenture.

J.P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee
By:
	Authorized Officer

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EX-5.1

[Letterhead of LeBoeuf, Lamb, Greene & MacRae L.L.P.]

December 9, 2004

MetLife, Inc.
27-01 Queens Plaza North
Long Island City, New York 11101

Re: MetLife, Inc.
£350,000,000 5.375% Senior Notes due 2024

Ladies and Gentlemen:

      We have acted as special counsel for MetLife, Inc., a Delaware corporation (the “Company”), in connection with the issuance and sale by the Company of an aggregate of £350,000,000 principal amount of the Company’s 5.375% Senior Notes due 2024 (the “Securities”) pursuant to the Indenture, dated as of November 9, 2001 (the “Base Indenture”), between the Company and Bank One Trust Company, N.A., (predecessor to J.P. Morgan Trust Company, National Association) as trustee (the “Trustee”), as supplemented by the Eleventh Supplemental Indenture, dated as of December 9, 2004, between the Company and the Trustee, pursuant to which indenture, as so supplemented, the Company is issuing on the date hereof its Securities (such Base Indenture, as so supplemented, the “Indenture”).

      In connection therewith, we have examined (a) the Registration Statement on Form S-3 (Registration Nos. 333-112073, 333-112073-01 and 333-112073-02) (the “Registration Statement”), filed by the Company with the Securities and Exchange Commission (the “Commission”) under the Securities Act of 1933, as amended (the “Act”), (b) the prospectus of the Company dated March 4, 2004, as supplemented by a prospectus supplement dated December 1, 2004 relating to the Securities, as filed in final form with the Commission on December 2, 2004, pursuant to Rule 424(b) under the Act (the “Final Prospectus”) and (c) the Indenture. In addition, we have examined the originals (or copies certified or otherwise identified to our satisfaction) of such other agreements, instruments, certificates, documents and records and have reviewed such questions of law and made such inquiries as we have deemed necessary or appropriate for the purposes of the opinion rendered herein.

MetLife, Inc.
December 9, 2004
Page 2

      In such examination, we have assumed, without inquiry, the legal capacity of all natural persons, the genuineness of all signatures on all documents examined by us, the authenticity of all documents submitted to us as originals, the conformity to the original documents of all such documents submitted to us as copies and the authenticity of the originals of such latter documents. We have also assumed that the books and records of the Company are maintained in accordance with proper corporate procedures. As to any facts material to our opinion, we have, when relevant facts were not independently established, relied upon the aforesaid agreements, instruments, certificates, documents and records and upon statements and certificates of officers and representatives of the Company and public officials.

      Based upon the foregoing, and subject to the limitations, qualifications and assumptions stated herein, we are of the opinion that:

      The Securities have been duly authorized and (assuming their due authentication by the Trustee) when they have been duly executed, issued and delivered, will constitute valid and legally binding obligations of the Company entitled to the benefits provided by the Indenture.

      The opinion rendered herein are limited to the laws of the State of New York, the General Corporation Law of the State of Delaware and the Federal law of the United States.

      We consent to the filing of this opinion as an exhibit to the Company’s Current Report on Form 8-K dated December 9, 2004, which is incorporated by reference into the Registration Statement and the Final Prospectus and to the use of our name under the caption “Legal Opinions” contained in the Final Prospectus. In giving our consent, we do not thereby concede that we come within the category of persons whose consent is required by the Act or the General Rules and Regulations promulgated thereunder.

Very truly yours,

/s/ LeBoeuf, Lamb, Greene & MacRae, L.L.P.

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