EXHIBIT 13



ORGANIZATIONAL STRUCTURE OF METROPOLITAN LIFE INSURANCE COMPANY AND SUBSIDIARIES

                             AS OF DECEMBER 31, 2001

Metropolitan Life Insurance Company (Metropolitan) is a wholly-owned subsidiary
of MetLife, Inc, a publicly-traded company. The following is a list of
subsidiaries of Metropolitan updated as of December 31 2001. Those entities
which are listed at the left margin (labeled with capital letters) are direct
subsidiaries of Metropolitan. Unless otherwise indicated, each entity which is
indented under another entity is a subsidiary of such indented entity and,
therefore, an indirect subsidiary of Metropolitan. Certain inactive subsidiaries
have been omitted from the Metropolitan Organizational listing. The voting
securities (excluding directors' qualifying shares, if any) of the subsidiaries
listed are 100% owned by their respective parent corporations, unless otherwise
indicated. The jurisdiction of domicile of each subsidiary listed is set forth
in the parenthetical following such subsidiary.

A.   Metropolitan Property and Casualty Insurance Company (RI)

     1) Metropolitan Group Property and Casualty Insurance Company (RI)

          a) Metropolitan Reinsurance Company (U.K.) Limited (United Kingdom)

     2) Metropolitan Casualty Insurance Company (RI)

     3) Metropolitan General Insurance Company (RI)

     4) Metropolitan Direct Property and Casualty Insurance Company (GA)

     5) MetLife Auto & Home Insurance Agency, Inc. (RI)

     6) Metropolitan Lloyds, Inc. (TX)

     7) Met P&C Managing General Agency, Inc. (TX)

     8) Economy Fire & Casualty Company (RI)

          a) Economy Preferred Insurance Company (RI)

          b) Economy Premier Assurance Company (RI)

B.   MetLife General Insurance Agency, Inc. (DE)

     1) MetLife General Insurance Agency of Alabama, Inc. (AL)

     2) MetLife General Insurance Agency of Kentucky, Inc. (KY)

     3) MetLife General Insurance Agency of Mississippi, Inc. (MS)

     4) MetLife General Insurance Agency of Texas, Inc. (TX)



     5) MetLife General Insurance Agency of North Carolina, Inc. (NC)

     6) MetLife General Insurance Agency of Massachusetts, Inc. (MA)

C.   Metropolitan Asset Management Corporation (DE)

     1) MetLife Capital, Limited Partnership (DE). Partnership interests in
        MetLife Capital, Limited Partnership are held by Metropolitan Life
        Insurance Company (90%) and General Partnership by Metropolitan Asset
        Management Corporation (10%).

     2) MetLife Capital Credit L.P. (DE). Partnership interests in MetLife
        Capital Credit L.P. are held by Metropolitan Life Insurance Company
        (90%) and General Partnership by Metropolitan Asset Management
        Corporation (10%).

          a) MetLife Capital CFLI Holdings, LLC (DE)

               i) MetLife Capital CFLI Leasing, LLC (DE)

     3) MetLife Financial Acceptance Corporation (DE). Metropolitan Asset
        Management Corporation holds 100% of the voting preferred stock of
        MetLife Financial Acceptance Corporation. Metropolitan Property and
        Casualty Insurance Company holds 100% of the non-voting common stock
        of MetLife Financial Acceptance Corporation.

     4) MetLife Investments Limited (United Kingdom). 23rd Street Investments,
        Inc. holds one share of MetLife Investments Limited.

     5) MetLife Investments Asia Limited (Hong Kong). One share of MetLife
        Investments Asia Limited is held by W&C Services, Inc., a nominee of
        Metropolitan Asset Management Corporation.

     6) MetLife Investments, S.A. (Argentina) 23rd Street Investment, Inc.
        holds one share of MetLife Investments, S.A.

D.   SSRM Holdings, Inc. (DE)

     1) State Street Research & Management Company (DE) is the sub-investment
        manager for the State Street Research Aggressive Growth Portfolio,
        State Street Research Diversified Portfolio, State Street Research
        Growth Portfolio, State Street Research Income Portfolio and State
        Street Research Aurora Small Cap Value Portfolio of Metropolitan
        Series Fund, Inc.

          a) State Street Research Investment Services, Inc. (MA)

     2) SSR Realty Advisors, Inc. (DE)

          a) Metric Management Inc. (DE)

          b) Metric Property Management, Inc. (DE)



          c) Metric Realty (DE). SSR Realty Advisors, Inc. and Metric Property
             Management, Inc. each hold 50% of the common stock of Metric
             Realty.

          d) Metric Capital Corporation (CA)

          e) Metric Assignor, Inc. (CA)

          f) SSR AV, Inc. (DE)

          g) SSR Development Partners LLC (DE)

E.   Metropolitan Tower Realty Company, Inc. (DE)

F.   MetLife Investors Group, Inc. (DE)

     1) MetLife Investors USA Insurance Company (DE)

     2) Security First Insurance Agency, Inc. (Massachusetts) (MA)

     3) Security First Insurance Agency, Inc. (Nevada) (NV)

     4) MetLife Investors Group of Ohio, Inc. (OH)

     5) MetLife Investors Distribution Company (DE)

     6) Met Investors Advisory Corp. (DE)

     7) Security First Financial Agency, Inc. (TX)

G.   MetLife CC Holding Company (DE)

H.   VirtualFinances.com, Inc. (DE)

I.   Metropolitan Tower Life Insurance Company (DE)

J.   MetLife Security Insurance Company of Louisiana (LA)

K.   Texas Life Insurance Company (TX)

     1) Texas Life Agency Services, Inc. (TX)

     2) Texas Life Agency Services of Kansas, Inc. (KS)

L.   MetLife Securities, Inc. (DE)

M.   23rd Street Investments, Inc. (DE)



     1) Mezzanine Investment Limited Partnership-BDR (DE). Metropolitan Life
        Insurance Company holds a 99% limited partnership interest in
        Mezzanine Investment Limited Partnership-BDR. 23rd Street Investments,
        Inc. is a 1% general partner.

     2) Mezzanine Investment Limited Partnership-LG (DE). 23rd Street
        Investments, Inc. is a 1% general partner of Mezzanine Investment
        Limited Partnership-LG. Metropolitan Life Insurance Company holds a
        99% limited partnership interest in Mezzanine Investment Limited
        Partnership-LG.

          a) Coating Technologies International, Inc (DE).

N.   Santander Met, S.A. (Spain). Shares of Santander Met, S.A. are held by
     Metropolitan (50%) and by an entity (50%) unaffiliated with Metropolitan.

     1) Seguros Genesis, S.A. (Spain)

     2) Genesis Seguros Generales, Sociedad Anomina de Seguros y Reaseguros
        (Spain)

O.   Metropolitan Life Seguros de Vida S.A. (Uruguay)

     1) Jefferson Pilot Omega Seguros de Vida S.A (Uruguay)

P.   MetLife Holdings Luxembourg S.A. (Luxembourg)

Q.   Metropolitan Life Holdings, Netherlands BV (Netherlands)

R.   MetLife International Holdings, Inc. (DE)

     1) MetLife Insurance Company of the Philippines, Inc. (Philippines)

     2) Natiloportem Holdings, Inc. (DE)

          a) Servicios Administrativos Gen, S.A. de C.V.

          b) Metropolitan Insurance Services Limited. (United Kingdom) 50% of
             the shares is held by Metropolitan Life Insurance Company.

          c) Metropolitan Company Limited (Isle of Man)

          d) European Marketing Services S.r.l.- 95% of the shares is held by
             Natiloportem Holdings and 5% by MetLife International Holdings,
             Inc.

     3) Metropolitan Life Insurance Company of Hong Kong Limited (Hong Kong)

     4) Metropolitan Life Seguros de Retiro, S.A.

     5) Metropolitan Life Seguros de Vida S.A. (Argentina)


          a) Met AFJP S.A. (Argentina). Shares of Met AFJP S.A. are held by
             Metropolitan Life Seguros de Retiro S.A. (5%) and by Metropolitan
             Life Seguros de Vida S.A. (95%).

     6)  MetLife India Insurance Company Private Limited (India) -- is owned
         26% by MetLife International Holdings, Inc. and 74% by third parties.

     7)  MetLife Services Company Czechia, s.r.o. (Czech Republic) 10% of its
         shares is owned by Natiloportem Holdings, Inc.

     8)  Metropolitan Life Ubezpieczen na Zycie S.A. (Poland)

     9)  MetLife Saengmyoung Insurance Company Ltd. (Korea)

     10) Metropolitan Life Seguros E Previdencia Privada S.A. (Brazil)

          a) Seguradora America do Sul S.A. (Brazil) 99.89% is owned by
             Metropolitan Life Seguros E Previdencia Privado S.A.

S.   Metropolitan Marine Way Investments Limited (Canada)

T.   P.T. MetLife Sejahtera (Indonesia) Shares of P.T. MetLife Sejahtera are
     held by Metropolitan (94.3%) and by an entity (5.7%) unaffiliated with
     Metropolitan.

U.   Seguros Genesis S.A. (Mexico) Metropolitan holds 93.58%, and Metropolitan
     Asset Management Corporation holds 3.19%.

V.   Hyatt Legal Plans, Inc. (DE)

     1) Hyatt Legal Plans of Florida, Inc. (FL)

W.   One Madison Merchandising L.L.C. (CT)

X.   Metropolitan Realty Management, Inc. (DE)

     1) Edison Supply and Distribution, Inc. (DE)

     2) Cross & Brown Company (NY)

          a) CBNJ, Inc. (NJ)

Y.   MetPark Funding, Inc. (DE)

Z.   Transmountain Land & Livestock Company (MT)

AA.  MetLife Trust Company, National Association (United States)

AB.  Benefit Services Corporation (GA)





AC.  GA Holding Corp. (MA)

AD.  CRH Co., Inc. (MA)

AE.  334 Madison Euro Investments, Inc. (DE)

     1) Park Twenty Three Investments Company (United Kingdom) 1% Voting
        Control of Park Twenty Three Investment Company is held by St. James
        Fleet Investments Two Limited.

          a) Convent Station Euro Investments Four Company (United Kingdom) 1%
             voting control of Convent Station Euro Investments Four Company
             (United Kingdom) is held by 334 Madison Euro Investments, Inc. as
             nominee for Park Twenty Three Investments Company.

AF.  L/C Development Corporation (CA)

AG.  One Madison Investments (Cayco) Limited (Cayman Islands). 1% Voting Control
     of One Madison Investment (Cayco) Limited is held by Convent Station Euro
     Investments Four Company.

AH.  New England Portfolio Advisors, Inc. (MA) A.D. CRB Co., Inc. (MA). (AEW
     Real Estate Advisors, Inc. holds 49,000 preferred non-voting shares of CRB
     Co., Inc. AEW Advisors, Inc. holds 1,000 preferred non-voting shares of CRB
     Co., Inc.)

AI.  St. James Fleet Investments Two Limited (Cayman Islands). Metropolitan Life
     Insurance Company owns 34% of St. James Fleet Investments Two Limited.

AJ.  MetLife New England Holdings, Inc. (DE)

     1) Fulcrum Financial Advisors, Inc. (MA)

     2) New England Life Insurance Company (MA)

          a) New England Life Holdings, Inc. (DE)

               i) New England Securities Corporation (MA)

                    (1) Hereford Insurance Agency, Inc. (MA)

                    (2) Hereford Insurance Agency of Alabama, Inc. (AL)

                    (3) Hereford Insurance Agency of Hawaii, Inc. (HI)

               ii) N.L. Holding Corp. (DEL) (NY)

                    (1) Nathan & Lewis Securities, Inc. (NY)

                    (2) Nathan & Lewis Associates, Inc. (NY)

                         (a) Nathan and Lewis Insurance Agency of Massachusetts,
                             Inc. (MA)




                        (b) Nathan and Lewis Associates of Texas, Inc. (TX)

     (3) Nathan & Lewis Associates-Arizona, Inc. (AZ)

     (4) Nathan & Lewis of Nevada, Inc. (NV)

          iii) MetLife Advisers, LLC (MA)

               b) Omega Reinsurance Corporation (AZ)

               c) New England Pension and Annuity Company (DE)

               d) Newbury Insurance Company, Limited (Bermuda)

AK.  GenAmerica Financial Corporation (MO)

     1) General American Life Insurance Company (MO)

          a) Paragon Life Insurance Company (MO)

          b) Security Equity Life Insurance Company (NY)

          c) Cova Corporation (MO)

               i)   MetLife Investors Insurance Company (MO)

                    (1) MetLife Investors Insurance Company of California (CA)

                    (2) First MetLife Investors Insurance Company (NY)

               ii)  Cova Life Management Company (DE)

                    (1) Cova Life Administration Services Company (IL)

                         d) General Life Insurance Company (TX)

                         e) Equity Intermediary Company (MO)

               i)   Reinsurance Group of America, Incorporated. (MO) 9.6% of the
                    voting shares of Reinsurance Group of America, Incorporated
                    is held directly by Metropolitan Life Insurance Company.
                    48.9% is held by Equity Intermediary Company.

     (1) Reinsurance Company of Missouri Incorporated (MO)

          (a) RGA Reinsurance Company (MO)

               (i) Fairfield Management Group, Inc. (MO)



               1. Reinsurance Partners, Inc. (MO)

               2. Great Rivers Reinsurance Management, Inc. (MO)

               3. RGA (U.K.) Underwriting Agency Limited (United Kingdom)

     (2) Triad Re, Ltd. (Barbados) Reinsurance Group of America, Incorporated
         owns 100% of the preferred stock of Triad RE, Ltd. and 67% of the
         common stock.

     (3) RGA Americas Reinsurance Company, Ltd. (Barbados)

     (4) RGA Reinsurance Company (Barbados) Ltd. (Barbados)

          (a)  RGA Financial Group, L.L.C. (DE) 80% of RGA Financial Group,
               L.L.C. is owned by RGA Reinsurance Company (Barbados) Ltd. RGA
               Reinsurance Company owns 20% of RGA Financial Group, L.L.C.

     (5) RGA International Ltd. (CBCA) (Canada)

          (a)  RGA Canada Management Inc. (CBCA) Canada)

               (i)  RGA Life Reinsurance Company of Canada Limited (CBCA)
                    (Canada)

     (6) RGA Holdings Limited (United Kingdom)

          (a) RGA UK Services Limited (United Kingdom)

          (b) RGA Capital Limited U.K. (United Kingdom)

          (c) RGA Reinsurance (UK) Limited (United Kingdom)

     (7) RGA South African Holdings (Pty) Ltd. (South Africa)

          (a) RGA Reinsurance Company of South Africa Limited (South Africa)

     (8) RGA Australian Holdings Pty Limited (Australia)

          (a) RGA Reinsurance Company of Australia Limited (Australia)

     (9) General American Argentina Seguros de Vida, S.A. (Argentina)

     (10) RGA Argentina, S.A. (Argentina)

     (11) Regal Atlantic Company (Bermuda) Ltd. (Bermuda)

     (12) Malaysia Life Reinsurance Group Berhad. (Malaysia) Reinsurance Group
          of America, Incorporated owns 30% of Malaysia Life Reinsurance Group
          Berhad.



     (13) RGA Sigma Reinsurance SPC (Cayman Islands)

     (14) RGA International Co. (Nova Scotia)

          (a) RGA Financial Products Limited (Canada)

               f)   GenAm Holding Company (DE)

                    i)   Krisman, Inc. (MO)

                    ii)  Genelco de Mexico S.A. de C.V. (Mexico) 99% of the
                         shares of Genelco de Mexico S.A. de C.V. are held by
                         Krisman, Inc. and 1% is held by General American Life
                         Insurance Company.

                    iii) White Oak Royalty Company (OK)

                    iv)  GM Marketing Incorporated (MO)

               g)   John S. McSwaney & Associates, Inc. (ND)

               h)   GenAmerica Management Corporation (MO) 22.5% of the voting
                    shares of the GenAmerica Management Corporation are owned by
                    General American Life Insurance Company and 10% of the
                    voting shares of the GenAmerica Management Corporation are
                    owned by A.G. Edwards. 67% of the common stock is owned by
                    GenAmerica Financial Corporation.

     2) Collaborative Strategies, Inc. (MO)

     3) Missouri Reinsurance (Barbados) Inc. (Barbados)

     4) GenAmerica Capital I (DE)

     5) Walnut Street Securities, Inc. (MO)

          a) WSS Insurance Agency of Alabama, Inc. (AL)

          b) WSS Insurance Agency of Massachusetts, Inc. (MA)

          c) WSS Insurance Agency of Nevada, Inc. (NV)

          d) WSS Insurance Agency of Ohio, Inc. (OH)

          e) WSS Insurance Agency of Texas, Inc. (TX)

          f) Walnut Street Advisers, Inc. (MO)

     6) General American Distributors, Inc. (MO)

AL.  MetLife Central European Services Spolka z Organiczona odpowiedzialmoscia
     (Poland)




AM.  MetLife (India) Private Ltd. (India)

AN.  Tossle Company (Cayman Islands)

AO.  MetDent, Inc. (DE)

AP.  334 Madison Avenue BTP-D Investor, LLC (DE)

AQ.  334 Madison Avenue BTP-E Investor, LLC (DE)

AR.  MetLife Holdings, Inc. (DE)

     1) MetLife Credit Corp. (DE)

     2) MetLife Funding Inc. (DE)

The voting securities (excluding directors' qualifying shares, if any) of each
subsidiary shown on the organizational chart are 100% owned by their respective
parent corporation, unless otherwise indicated.

In addition to the entities shown on the organizational chart, Metropolitan (or
where indicated, a subsidiary) also owns interests in the following entities:

1)   Metropolitan Structures is a general partnership in which Metropolitan owns
     a 50% interest.

2)   Metropolitan owns varying interests in certain mutual funds distributed by
     its affiliates. These ownership interests are generally expected to
     decrease as shares of the funds are purchased by unaffiliated investors.

3)   Metropolitan Lloyds Insurance Company of Texas, an affiliated association,
     provides homeowner and related insurance for the Texas market. It is an
     association of individuals designated as underwriters. Metropolitan Lloyds,
     Inc., a subsidiary of Metropolitan Property and Casualty Insurance Company,
     serves as the attorney-in-fact and manages the association.

4)   Metropolitan indirectly owns 100% of the non-voting preferred stock of
     Nathan and Lewis Associates Ohio, Incorporated, an insurance agency. 100%
     of the voting common stock of this company is held by an individual who has
     agreed to vote such shares at the direction of N.L. HOLDING CORP. (DEL), an
     indirect wholly owned subsidiary of Metropolitan.

5)   100% of the capital stock of Hereford Insurance Agency of Oklahoma, Inc. is
     owned by an officer. New England Life Insurance Company controls the
     issuance of additional stock and has certain rights to purchase such
     officer's shares.

6)   100% of the capital stock of Fairfield Insurance Agency of Texas, Inc. is
     owned by an officer. New England Life Insurance Company controls the
     issuance of additional stock and has certain rights to purchase such
     officer's shares.




7)   Mezzanine Investment Limited Partnerships (MILPs), Delaware limited
     partnerships, are investment vehicles through which investments in certain
     entities are held. A wholly owned subsidiary of Metropolitan serves as the
     general partner of the limited partnerships and Metropolitan directly owns
     a 99% limited partnership interest in each MILP. The MILPs have various
     ownership and/or debt interests in certain companies. The various MILPs
     own, directly or indirectly, 100% of the voting stock of the following:
     Coating Technologies International, Inc.

NOTE: THE METROPOLITAN LIFE ORGANIZATIONAL CHART DOES NOT INCLUDE REAL ESTATE
JOINT VENTURES AND PARTNERSHIPS OF WHICH METROPOLITAN LIFE AND/OR ITS
SUBSIDIARIES IS AN INVESTMENT PARTNER. IN ADDITION, CERTAIN INACTIVE
SUBSIDIARIES HAVE ALSO BEEN OMITTED.