<?xml version="1.0"?>
<edgarSubmission>

    <schemaVersion>X0708</schemaVersion>

    <submissionType>D/A</submissionType>

    <testOrLive>LIVE</testOrLive>

    <primaryIssuer>
        <cik>0000728240</cik>
        <entityName>METROPOLITAN TOWER LIFE INSURANCE CO</entityName>
        <issuerAddress>
            <street1>METROPOLITAN TOWER LIFE INSURANCE CO</street1>
            <street2>200 PARK AVENUE</street2>
            <city>NEW YORK</city>
            <stateOrCountry>NY</stateOrCountry>
            <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
            <zipCode>10166</zipCode>
        </issuerAddress>
        <issuerPhoneNumber>212-578-9500</issuerPhoneNumber>
        <jurisdictionOfInc>NEBRASKA</jurisdictionOfInc>
        <edgarPreviousNameList>
            <previousName>GENERAL AMERICAN LIFE INSURANCE Co</previousName>
            <previousName>GENERAL AMERICAN LIFE INSURANCE CO</previousName>
        </edgarPreviousNameList>
        <entityType>Corporation</entityType>
        <yearOfInc>
            <overFiveYears>true</overFiveYears>
        </yearOfInc>
    </primaryIssuer>

    <relatedPersonsList>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Marlene</firstName>
                <lastName>Debel</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>William</firstName>
                <lastName>O'Donnell</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Anne</firstName>
                <lastName>Belden</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Michael</firstName>
                <middleName>D.</middleName>
                <lastName>Borowski</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Frank</firstName>
                <lastName>Cassandra</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>501 Route 22</street1>
                <city>Bridgewater</city>
                <stateOrCountry>NJ</stateOrCountry>
                <stateOrCountryDescription>NEW JERSEY</stateOrCountryDescription>
                <zipCode>08807</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Andrew</firstName>
                <lastName>Kaniuk</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>501 Route 22</street1>
                <city>Bridgewater</city>
                <stateOrCountry>NJ</stateOrCountry>
                <stateOrCountryDescription>NEW JERSEY</stateOrCountryDescription>
                <zipCode>08807</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Richard</firstName>
                <middleName>J.</middleName>
                <lastName>Leist</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>One MetLife Way</street1>
                <city>Whippany</city>
                <stateOrCountry>NJ</stateOrCountry>
                <stateOrCountryDescription>NEW JERSEY</stateOrCountryDescription>
                <zipCode>07981</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>John</firstName>
                <middleName>D.</middleName>
                <lastName>McCallion</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Jason</firstName>
                <lastName>Manske</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>One MetLife Way</street1>
                <city>Whippany</city>
                <stateOrCountry>NJ</stateOrCountry>
                <stateOrCountryDescription>NEW JERSEY</stateOrCountryDescription>
                <zipCode>07981</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Alessandro</firstName>
                <lastName>Papa</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>200 Park Avenue</street1>
                <city>New York</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>10166</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Michael</firstName>
                <lastName>Zarcone</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>111 Washington Avenue</street1>
                <city>Albany</city>
                <stateOrCountry>NY</stateOrCountry>
                <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                <zipCode>12210</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
    </relatedPersonsList>

    <offeringData>
        <industryGroup>
            <industryGroupType>Insurance</industryGroupType>
        </industryGroup>
        <issuerSize>
            <revenueRange>Decline to Disclose</revenueRange>
        </issuerSize>
        <federalExemptionsExclusions>
            <item>06c</item>
            <item>3C</item>
            <item>3C.1</item>
            <item>3C.7</item>
        </federalExemptionsExclusions>
        <typeOfFiling>
            <newOrAmendment>
                <isAmendment>true</isAmendment>
                <previousAccessionNumber>0000728240-17-000003</previousAccessionNumber>
            </newOrAmendment>
            <dateOfFirstSale>
                <value>1999-07-01</value>
            </dateOfFirstSale>
        </typeOfFiling>
        <durationOfOffering>
            <moreThanOneYear>true</moreThanOneYear>
        </durationOfOffering>
        <typesOfSecuritiesOffered>
            <isOtherType>true</isOtherType>
            <descriptionOfOtherType>Private Placement Variable Life Insurance Policies (PPVUL) supported by General American Separate Accounts 7, 33, 49, 49A, 55, 56, 57, 68, 77 and 81</descriptionOfOtherType>
        </typesOfSecuritiesOffered>
        <businessCombinationTransaction>
            <isBusinessCombinationTransaction>false</isBusinessCombinationTransaction>
            <clarificationOfResponse></clarificationOfResponse>
        </businessCombinationTransaction>
        <minimumInvestmentAccepted>150000</minimumInvestmentAccepted>
        <salesCompensationList>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>M Holdings Securities, Inc.</associatedBDName>
                <associatedBDCRDNumber>43285</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>One Kaiser Plaza, Suite 1101</street1>
                    <city>Oakland</city>
                    <stateOrCountry>CA</stateOrCountry>
                    <stateOrCountryDescription>CALIFORNIA</stateOrCountryDescription>
                    <zipCode>94612</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>HI</state>
                    <description>HAWAII</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>GA</state>
                    <description>GEORGIA</description>
                    <state>TN</state>
                    <description>TENNESSEE</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>OK</state>
                    <description>OKLAHOMA</description>
                    <state>ME</state>
                    <description>MAINE</description>
                    <state>VA</state>
                    <description>VIRGINIA</description>
                    <state>MI</state>
                    <description>MICHIGAN</description>
                    <state>OH</state>
                    <description>OHIO</description>
                    <state>ID</state>
                    <description>IDAHO</description>
                    <state>WY</state>
                    <description>WYOMING</description>
                    <state>IA</state>
                    <description>IOWA</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                    <state>SD</state>
                    <description>SOUTH DAKOTA</description>
                    <state>AR</state>
                    <description>ARKANSAS</description>
                    <state>UT</state>
                    <description>UTAH</description>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>IN</state>
                    <description>INDIANA</description>
                    <state>CT</state>
                    <description>CONNECTICUT</description>
                    <state>DC</state>
                    <description>DISTRICT OF COLUMBIA</description>
                    <state>MN</state>
                    <description>MINNESOTA</description>
                    <state>AZ</state>
                    <description>ARIZONA</description>
                    <state>KY</state>
                    <description>KENTUCKY</description>
                    <state>WI</state>
                    <description>WISCONSIN</description>
                    <state>MO</state>
                    <description>MISSOURI</description>
                    <state>KS</state>
                    <description>KANSAS</description>
                    <state>OR</state>
                    <description>OREGON</description>
                    <state>LA</state>
                    <description>LOUISIANA</description>
                    <state>NH</state>
                    <description>NEW HAMPSHIRE</description>
                    <state>WA</state>
                    <description>WASHINGTON</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>AK</state>
                    <description>ALASKA</description>
                    <state>AL</state>
                    <description>ALABAMA</description>
                    <state>CO</state>
                    <description>COLORADO</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>NC</state>
                    <description>NORTH CAROLINA</description>
                    <state>ND</state>
                    <description>NORTH DAKOTA</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>AON Benfield Securities, Inc.</associatedBDName>
                <associatedBDCRDNumber>4138</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>200 East Randolph Street</street1>
                    <city>Chicago</city>
                    <stateOrCountry>IL</stateOrCountry>
                    <stateOrCountryDescription>ILLINOIS</stateOrCountryDescription>
                    <zipCode>60601</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>GA</state>
                    <description>GEORGIA</description>
                    <state>NV</state>
                    <description>NEVADA</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>OK</state>
                    <description>OKLAHOMA</description>
                    <state>VA</state>
                    <description>VIRGINIA</description>
                    <state>MI</state>
                    <description>MICHIGAN</description>
                    <state>OH</state>
                    <description>OHIO</description>
                    <state>IA</state>
                    <description>IOWA</description>
                    <state>FL</state>
                    <description>FLORIDA</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                    <state>SC</state>
                    <description>SOUTH CAROLINA</description>
                    <state>UT</state>
                    <description>UTAH</description>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>CT</state>
                    <description>CONNECTICUT</description>
                    <state>DC</state>
                    <description>DISTRICT OF COLUMBIA</description>
                    <state>AZ</state>
                    <description>ARIZONA</description>
                    <state>MO</state>
                    <description>MISSOURI</description>
                    <state>OR</state>
                    <description>OREGON</description>
                    <state>LA</state>
                    <description>LOUISIANA</description>
                    <state>NH</state>
                    <description>NEW HAMPSHIRE</description>
                    <state>WA</state>
                    <description>WASHINGTON</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>AK</state>
                    <description>ALASKA</description>
                    <state>TX</state>
                    <description>TEXAS</description>
                    <state>AL</state>
                    <description>ALABAMA</description>
                    <state>CO</state>
                    <description>COLORADO</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>NFP Securities, Inc.</associatedBDName>
                <associatedBDCRDNumber>42046</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>176 Federal Street</street1>
                    <city>Boston</city>
                    <stateOrCountry>MA</stateOrCountry>
                    <stateOrCountryDescription>MASSACHUSETTS</stateOrCountryDescription>
                    <zipCode>02110</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>IN</state>
                    <description>INDIANA</description>
                    <state>CT</state>
                    <description>CONNECTICUT</description>
                    <state>DC</state>
                    <description>DISTRICT OF COLUMBIA</description>
                    <state>MN</state>
                    <description>MINNESOTA</description>
                    <state>KY</state>
                    <description>KENTUCKY</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>MO</state>
                    <description>MISSOURI</description>
                    <state>KS</state>
                    <description>KANSAS</description>
                    <state>OR</state>
                    <description>OREGON</description>
                    <state>OK</state>
                    <description>OKLAHOMA</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>MI</state>
                    <description>MICHIGAN</description>
                    <state>DE</state>
                    <description>DELAWARE</description>
                    <state>TX</state>
                    <description>TEXAS</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Morgan Stanley Smith Barney</associatedBDName>
                <associatedBDCRDNumber>149777</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>755 E. Mulberry, Suite 300</street1>
                    <city>San Antonio</city>
                    <stateOrCountry>TX</stateOrCountry>
                    <stateOrCountryDescription>TEXAS</stateOrCountryDescription>
                    <zipCode>78212</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>HI</state>
                    <description>HAWAII</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>GA</state>
                    <description>GEORGIA</description>
                    <state>NV</state>
                    <description>NEVADA</description>
                    <state>TN</state>
                    <description>TENNESSEE</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>OK</state>
                    <description>OKLAHOMA</description>
                    <state>ME</state>
                    <description>MAINE</description>
                    <state>VA</state>
                    <description>VIRGINIA</description>
                    <state>MI</state>
                    <description>MICHIGAN</description>
                    <state>OH</state>
                    <description>OHIO</description>
                    <state>WY</state>
                    <description>WYOMING</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                    <state>SD</state>
                    <description>SOUTH DAKOTA</description>
                    <state>AR</state>
                    <description>ARKANSAS</description>
                    <state>UT</state>
                    <description>UTAH</description>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>IN</state>
                    <description>INDIANA</description>
                    <state>CT</state>
                    <description>CONNECTICUT</description>
                    <state>DC</state>
                    <description>DISTRICT OF COLUMBIA</description>
                    <state>AZ</state>
                    <description>ARIZONA</description>
                    <state>KY</state>
                    <description>KENTUCKY</description>
                    <state>MO</state>
                    <description>MISSOURI</description>
                    <state>KS</state>
                    <description>KANSAS</description>
                    <state>OR</state>
                    <description>OREGON</description>
                    <state>MT</state>
                    <description>MONTANA</description>
                    <state>LA</state>
                    <description>LOUISIANA</description>
                    <state>NH</state>
                    <description>NEW HAMPSHIRE</description>
                    <state>WA</state>
                    <description>WASHINGTON</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>NM</state>
                    <description>NEW MEXICO</description>
                    <state>AK</state>
                    <description>ALASKA</description>
                    <state>TX</state>
                    <description>TEXAS</description>
                    <state>AL</state>
                    <description>ALABAMA</description>
                    <state>CO</state>
                    <description>COLORADO</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>NC</state>
                    <description>NORTH CAROLINA</description>
                    <state>ND</state>
                    <description>NORTH DAKOTA</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Private Placement Insurance Products, LLC</associatedBDName>
                <associatedBDCRDNumber>140139</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>2754 Brandt Drive South, Suite 200</street1>
                    <city>Fargo</city>
                    <stateOrCountry>ND</stateOrCountry>
                    <stateOrCountryDescription>NORTH DAKOTA</stateOrCountryDescription>
                    <zipCode>58104</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>FL</state>
                    <description>FLORIDA</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>ND</state>
                    <description>NORTH DAKOTA</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Lifemark Securities Corp.</associatedBDName>
                <associatedBDCRDNumber>16204</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>400 West Metro Park</street1>
                    <city>Rochester</city>
                    <stateOrCountry>NY</stateOrCountry>
                    <stateOrCountryDescription>NEW YORK</stateOrCountryDescription>
                    <zipCode>14623</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>CT</state>
                    <description>CONNECTICUT</description>
                    <state>AZ</state>
                    <description>ARIZONA</description>
                    <state>KY</state>
                    <description>KENTUCKY</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>ME</state>
                    <description>MAINE</description>
                    <state>NH</state>
                    <description>NEW HAMPSHIRE</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>VA</state>
                    <description>VIRGINIA</description>
                    <state>MI</state>
                    <description>MICHIGAN</description>
                    <state>OH</state>
                    <description>OHIO</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                </statesOfSolicitationList>
                <foreignSolicitation>false</foreignSolicitation>
            </recipient>
            <recipient>
                <recipientName>Various</recipientName>
                <recipientCRDNumber>None</recipientCRDNumber>
                <associatedBDName>Kestra Investments Services, LLC.</associatedBDName>
                <associatedBDCRDNumber>42046</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>2005 Market Street, 8th Floor</street1>
                    <city>Philadelphia</city>
                    <stateOrCountry>PA</stateOrCountry>
                    <stateOrCountryDescription>PENNSYLVANIA</stateOrCountryDescription>
                    <zipCode>19103</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>SD</state>
                    <description>SOUTH DAKOTA</description>
                    <state>IL</state>
                    <description>ILLINOIS</description>
                    <state>NY</state>
                    <description>NEW YORK</description>
                    <state>IN</state>
                    <description>INDIANA</description>
                    <state>CT</state>
                    <description>CONNECTICUT</description>
                    <state>DC</state>
                    <description>DISTRICT OF COLUMBIA</description>
                    <state>MN</state>
                    <description>MINNESOTA</description>
                    <state>KY</state>
                    <description>KENTUCKY</description>
                    <state>CA</state>
                    <description>CALIFORNIA</description>
                    <state>KS</state>
                    <description>KANSAS</description>
                    <state>OR</state>
                    <description>OREGON</description>
                    <state>OK</state>
                    <description>OKLAHOMA</description>
                    <state>NJ</state>
                    <description>NEW JERSEY</description>
                    <state>MI</state>
                    <description>MICHIGAN</description>
                    <state>OH</state>
                    <description>OHIO</description>
                    <state>DE</state>
                    <description>DELAWARE</description>
                    <state>TX</state>
                    <description>TEXAS</description>
                    <state>PA</state>
                    <description>PENNSYLVANIA</description>
                    <state>MD</state>
                    <description>MARYLAND</description>
                    <state>MA</state>
                    <description>MASSACHUSETTS</description>
                </statesOfSolicitationList>
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                <recipientAddress>
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                    <description>GEORGIA</description>
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                <foreignSolicitation>false</foreignSolicitation>
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            <recipient>
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                <foreignSolicitation>false</foreignSolicitation>
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            <recipient>
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        <offeringSalesAmounts>
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            <totalRemaining>Indefinite</totalRemaining>
            <clarificationOfResponse></clarificationOfResponse>
        </offeringSalesAmounts>
        <investors>
            <hasNonAccreditedInvestors>false</hasNonAccreditedInvestors>
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            <clarificationOfResponse></clarificationOfResponse>
        </salesCommissionsFindersFees>
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            <grossProceedsUsed>
                <dollarAmount>0</dollarAmount>
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            <clarificationOfResponse></clarificationOfResponse>
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        <signatureBlock>
            <authorizedRepresentative>false</authorizedRepresentative>
            <signature>
                <issuerName>METROPOLITAN TOWER LIFE INSURANCE CO</issuerName>
                <signatureName>/s/ Sabrina K. Model</signatureName>
                <nameOfSigner>Sabrina K. Model</nameOfSigner>
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</edgarSubmission>
